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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Key Dates
Department and Agencies
Related Federal Register Documents
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This Regulatory Agenda (Agenda) is a summary of current and projected rulemakings and completed actions of the U.S. Small Business Administration (SBA). This summary information is intended to enable the public to be more aware of, and effectively participate in, SBA's regulatory activities. Accordingly, SBA invites the public to submit comments on any aspect of this Agenda.
2026-16558, Administrative Declaration of an Economic Injury Disaster for the State of Arizona
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2026-16554, Presidential Declaration Amendment of a Major Disaster for the State of Louisiana
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2026-16551, Presidential Declaration Amendment of a Major Disaster for Public Assistance Only for the State of Louisiana
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