SBA 504 Rates Remain Low Word on the street is that the SBA 504 lending rates continue to remain low. As of this week of December 13, 2021, the published SBA 504 rates for loans funding in December are: 25-year term – 3.026% 20-year term – 2.880% And, for 504 SBA refinance projects funding in December: 25-year term – 3.040% …