Business Loans Rates
Small-business loan pricing varies by program, collateral, and creditworthiness. SBA-backed loans carry program-capped maximum rates; the bank prime loan rate is a common reference for variable pricing.
Quick answer
No single official figure is published for this product — the official source links below show where to check the latest.
Benchmarks
| Benchmark | Rate | Source |
|---|---|---|
| Bank prime loan rate (reference for variable pricing) FRED series DPRIME publishes the bank prime loan rate — see the latest published figure at the source link. | See the latest published figure at the source link below. as of 2026-09-10 | Federal Reserve Bank of St. Louis / Federal Reserve Board fred.stlouisfed.org |
| SBA 7(a) maximum rates Maximum rates are capped by SBA program rules — see the latest published figures at the official SBA page. | See the latest published figure at the source link below. as of 2026-09-10 | U.S. Small Business Administration sba.gov |
National averages for context, not offers. Retrieved 2026-09-10 — always confirm the latest published figure at the source link.
Frequently asked questions
Where do business loan rates come from?
There is no single national business-loan rate. The bank prime loan rate (FRED series DPRIME) is the reference many variable-rate business loans are priced against, and SBA-backed 7(a) loans have program-capped maximum rates set by the SBA. Both official sources are linked on this page.
Why does this page not show one business loan rate?
Business loan pricing depends on the program, collateral, revenue, and creditworthiness, so no single published figure represents it. Rather than quote a number that would mislead, we link the official sources so you can check the latest.
Is an SBA loan cheaper than a conventional business loan?
SBA-backed loans often carry lower rates because the government guarantees part of the loan, but they have eligibility rules, fees, and paperwork. Compare the SBA maximum-rate schedule with a conventional lender disclosure.
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Cite this page
LoanMatchers Editorial Team. “Business Loans Rates.” https://loanmatchers.com/rates/business/. Accessed 2026-09-10.
Sources
- Consumer Financial Protection Bureau — Ask CFPB — Consumer Financial Protection Bureau — consumerfinance.gov
- FRED series DPRIME — Bank Prime Loan Rate — Federal Reserve Bank of St. Louis / Federal Reserve Board — fred.stlouisfed.org
- SBA 7(a) loans — terms, rates, and fees — U.S. Small Business Administration — sba.gov
- SBA microloan program — U.S. Small Business Administration — sba.gov
Benchmarks are national averages from the publishers above, not offers. See our methodology.
Not financial advice. LoanMatchers is not a lender. Rates and terms vary by lender and creditworthiness. This page provides general educational information, not financial advice — consult a qualified professional before making financial decisions.
By the LoanMatchers Editorial Team. Last updated 2026-09-10. Educational information only — not financial advice.