SBA maximum loan rates today
WSJ Prime is 7.00% as of Nov 10, 2026. SBA caps a variable rate at Prime plus a spread set by loan size (13 CFR 120.214(d)).
| Loan size | Over Prime | 7(a) | Express |
|---|---|---|---|
| $50,000 or less | 6.5 | 13.50% | 13.50% |
| $50,001 to $250,000 | 6.0 | 13.00% | 13.00% |
| $250,001 to $350,000 | 4.5 | 11.50% | 11.50% |
| $350,001 to $500,000 | 3.0 | 10.00% | 10.00% |
| $500,001 to $5,000,000 | 3.0 | 10.00% | n/a |
Over Prime is the percentage points a lender may add to Prime. Rates use Prime as of Nov 10, 2026 and refresh from our live feed. A maximum is a ceiling, not an offer: your lender can charge less. n/a means SBA Express does not reach that size.