Own your business?
Own your building.
Take advantage of a long-term, fixed-rate, low down payment commercial real estate loan today.
Advantage CDC is a private not-for-profit corporation licensed and certified by the U.S. Small Business Administration (SBA) to provide low-cost, long-term SBA loans to assist eligible small businesses in California.
Today’s market rates
Fully Amortized Fixed Rates as of January 2026
Current SBA 504 Rates
25-Year
5.85%
20-Year
5.91%
5.67%
10-Year
Current SBA 504 Refinance Rates
5.85%
25-Year
5.91%
20-Year
5.67%
10-Year
Current SBA 504 Manufacturing Rates
5.61%
25-Year
20-Year
5.66%
5.42%
10-Year