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Interest Rates

Current SBA 504 Effective Rates

March 2018 Standard Refinance 
10-Year 5.11%  5.17%
20-Year 4.92%  4.97%
Updated 3/12/18
Click here for historical rates


Monthly Newsletter
Click here for the latest SEDA-COG Finance Monthly Newsletter. 




The SBA has released the guidelines for the reauthorization of the 504 Debt Refinancing Program.  The SBA began accepting applications on June 24, 2016.  Click here for more details.

SEDA-COG has reduced the cost of borrowing for an SBA 504 loan to further assist small businesses with the financing of their expansion needs.

SEDA-COG will cover half of the 0.5% fee (Third Party Lender Fee) on the bank loan involved in the financing package for SBA 504 loans approved by the SBA this year. For example, for a $1 million expansion project, borrowers would save $1,250. For much larger projects, the savings could be thousands of dollars.


SEDA-COG LDC is proud to be a part of NADCO's VetLoan Advantage Program, founded in cooperation with the U.S. Small Business Administration, to offer financial incentives to veterans who own businesses or are interested in small business ownership.

Click here for more information.