Current Interest Rates

January 2023 504 Effective Fixed Rates:

6.28%   20 -Yr Fixed
6.31%    25 -Yr Fixed

SBA 504 Rates are published monthly

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For Lenders



For SBA 504 loans, Capital Solutions works directly with Community Development Companies to market, gather information, underwrite, present for approval and assist with closing and funding of commercial, owner-occupied real estate and long-life equipment finance projects.

Capital Solutions has been in operation over 26 years, so we know how to make the process go quickly and efficiently.

With Capital Solutions handling the SBA side of a 504 loan, your bank and your borrower are in the good hands!

Bank Consulting: In addition to packaging and assisting with closing SBA 7a and 504 loans, we also offer a full complement of consulting services designed to expand a bank’s market presence, preserve the SBA guarantee, and expand revenue sources. These services are customized to fit each bank’s requirements. A sample of our services include:

  1. Sales and marketing coaching for the SBA 7a and 504 programs
  2. SBA loan training, screening and structuring
  3. Secondary market transactions
  4. Review of the bank’s existing loan portfolio to identify refinance opportunities

For community banks these benefits include:

* Increased loan volume

* An additional revenue stream

* Development and retention of long-time, loyal business customers

* Cross-selling opportunities

* A 75% to 85% guarantee on business loans

* Improved credit quality of the existing loan portfolio

* No full-time SBA staff required

* Just-in-time expertise with Capital Solutions

* Preservation of SBA guarantee