US Small Business Administration loan rates: Here's an overview of this business-friendly financial resource

offered by the U.S. Small Business Administration and their rate structures to find out which one is the best fit for your company.SBA loan rates are regulated by the U.S. Small Business Administration. Private lenders negotiate their own rates with each individual borrower. But the offered loan rate cannot exceed the maximum set by the SBA for each loan program.Optional peg rate

In most cases, however, you'll find that lenders use a prime rate as the base rate. The borrower is then charged a percentage over that base rate. That amount depends on the loan amount, the type of SBA loan, and the loan maturity date.Here is how each SBA interest rate breaks down, based on the loan program and other details.can be used for general working capital needs and have interest rates that can either be variable or fixed.

You can apply for either a 10-year or a 20-year repayment period. The SBA 504 rates are incrementally pegged above the current rates for 5-year and 10-year U.S. Treasury issues. The rate typically totals 3% of the loan amount.help newer small businesses with startup or expansion costs. Borrowers can get approved for up to $50,000, although the average loan size is $13,000. The maximum repayment term is six years. Expect SBA microloan rates to range from 8% to 13%.

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