SBA Announces Latest Loan Interest Rates
Published Date: 6/30/2026
Notice
Summary
The Small Business Administration set the Optional Peg Rate at 4.75% for July through September 2026, which helps decide interest rates on certain SBA loans. This affects small businesses using SBA direct or 504 loans, with lenders capped on how much interest they can charge based on state laws. If you’re borrowing or lending through SBA programs, keep an eye on these rates—they impact your loan costs this quarter!
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Optional Peg Rate set at 4.75%
You are affected if you use SBA direct loans or certain SBA-guaranteed loans: the Small Business Administration set the Optional Peg Rate at 4.75% for the July–September quarter of FY 2026 (July 1, 2026 through September 30, 2026). This rate is a published base that may be used to determine interest on some SBA loans.
Cap on 504 Project Commercial Loan Rates
If you borrow from a Third Party Lender to fund any portion of a CDC/504 project, the maximum legal interest rate on that commercial loan is capped at 6% over the New York Prime rate, unless that amount exceeds the maximum rate allowed by your State's constitution or laws, in which case the State-permitted rate applies.
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