Rates
Rates helps you understand the cost of borrowing for small businesses. Learn about small business loan interest rates, whether loans have fixed or variable rates, and typical short-term and working capital loan rates. Explore small business equipment loan rates, current SBA 7(a) and SBA 504 loan rates, and use a small business loan calculator to estimate payments.
Current SBA 504 Loan Rates Guide
The SBA 504 loan program offers long-term fixed rates for commercial real estate and equipment financing. As of 2026, CDC portion rates range from 5.75% to 6.45% depending on term length. This comprehensive guide explains how the two-loan structure works, what factors affect your rate, and how to qualify.
Current SBA 7a Loan Rates Guide
Small business owners seeking financing often turn to the SBA 7(a) program for its favorable terms and government backing. Understanding the rate structure helps borrowers plan cash flow, compare lenders, and negotiate better terms. This guide breaks down how rates work in 2026 and how to secure the best pricing.
Is a Small Business Loan Variable or Fixed Rate
Small business loans come with either variable or fixed interest rates. Fixed rates stay constant throughout your loan term, providing payment certainty. Variable rates fluctuate with market benchmarks, starting lower but introducing payment uncertainty. Your choice depends on risk tolerance and loan term.
Short Term Business Loan Rates Guide
Short-term business loans deliver fast capital at higher costs than traditional financing. Understanding rate structures, from APR to factor rates, and what affects your pricing is essential before borrowing. Compare banks, online lenders, and alternative options to find financing that solves your need without creating repayment problems.
Small Business Equipment Loan Rates Guide
Equipment financing rates range from 5% to 30% depending on credit, lender type, and equipment. Understanding how lenders price these loans helps you avoid paying thousands in unnecessary interest. Compare banks, credit unions, and online lenders to find competitive rates for your business.
Small Business Loan Calculator Guide
A small business loan calculator helps you estimate what borrowing money will actually cost your company before you commit to anything. Whether you're eyeing equipment financing, working capital, or expansion funds, knowing your monthly obligations and total repayment amounts prevents surprises that could strain your cash flow.
Small Business Loan Interest Rates Guide
Interest rates directly affect your monthly payments, total borrowing costs, and cash flow. A single percentage point can translate to thousands of dollars over a loan's lifetime. This guide breaks down how lenders set rates, what factors push yours higher or lower, and practical steps to secure better terms.
Working Capital Loan Interest Rate Guide
Business owners seeking working capital financing face interest rates ranging from under 10% to over 100% APR depending on loan type and qualifications. This comprehensive guide explains rate structures, qualification requirements, and strategies to secure the most favorable terms for your business.