January SBA 504 Rates

Note: 10-year 504 loan fundings occur on an every other month basis. The above rate reflects the 10-year 504 rate for the January, 2025 funding. The above rates are based on loans approved during FY 2025 ending on September 30, 2025.

Start the Year Strong: SBA 504 Strategies for 2025

Are you planning to expand your business, acquire property, or invest in new equipment this year? SBA 504 loans are here to help you achieve your goals with affordable, long-term financing options.

Whether you’re a small business owner seeking to take the next step or a commercial lender supporting your clients, the SBA 504 program provides:

Low Fixed Rates: Stability in a fluctuating market.
Flexible Terms: 10, 20, or 25 years tailored to your needs.
Strategic Growth Opportunities: Ideal for real estate, renovations, and equipment.
Refinance Existing Debt: Improve cash flow by refinancing eligible existing debt.

Why Choose SBA 504 Loans in 2025?

Predictable Payments: Lock in today’s low rates to protect your bottom line.
Low Down Payment: Retain cash for working capital needs.
Economic Impact: Create jobs and invest in your community.

Contact us today to discuss how SBA 504 loans can help you and your clients thrive in 2025.

Debby Gustafson

Sheil Nelson

Mike Kinderman

Michael Kinninger

Questions about a potential 504 loan?

Our lending staff can be reached at their direct numbers listed below-

Debby Gustafson 651.302.7234 debby.gustafson@tcmcdc.com
Angie Way 651.302.7228 angie.way@tcmcdc.com

Sheil Nelson 651.302.7226 sheil.nelson@tcmcdc.com
Rachel Edgar 651.302.7225 rachel.edgar@tcmcdc.com

Mike Kinderman 651.302.7239 mike.kinderman@tcmcdc.com
Samantha Horab 651.302.7232 samantha.horab@tcmcdc.com
Michael Steck 651.302.7233 michael.steck@tcmcdc.com

Michael Kinninger 651.302.7240 michael.kinninger@tcmcdc.com
Heidi Pautsch 651.302.7227 heidi.pautsch@tcmcdc.com

To reach our main office, please call 651.481.8081 or toll-free at 1.888.481.4504.

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About Us
TCM has been a leader in SBA 504 financing since its inception in 1990. TCM provides SBA 504 lending throughout the state of Minnesota and select counties in Wisconsin including Polk, Barron, St. Croix, Dunn, Pierce, Pepin, Buffalo, Trempealeau, and LaCrosse. For more information about TCM and the SBA 504 financing tool, visit www.504lending.com.