{"citation":"SBA loan rates today. SBA Express Loans, Janover Capital LLC (checked November 9, 2026). https://www.sbaexpress.loans/rates/ Source: 13 CFR 120.214, variable interest rates (https://www.ecfr.gov/current/title-13/section-120.214).","url":"https://www.sbaexpress.loans/rates/","title":"SBA loan rates today","data_as_of":null,"checked":"2026-11-09","sources":[{"label":"13 CFR 120.214, variable interest rates","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1, Appendix 18: 7(a) Interest Rate Requirements (effective October 1, 2026)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SBA Procedural Notice 5000-875051, 7(a) alternative base rate options","url":"https://legacy.sba.gov/document/procedural-notice-5000-875051-7a-alternative-base-rate-options"},{"label":"Federal Reserve H.15 Selected Interest Rates, bank prime loan","url":"https://www.federalreserve.gov/releases/h15/"},{"label":"Federal Reserve Bank of St. Louis, FRED series DPRIME (bank prime loan rate)","url":"https://fred.stlouisfed.org/series/DPRIME"},{"label":"Federal Reserve Board, FOMC meeting calendars, read November 9, 2026","url":"https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm"},{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"}],"data":{"note":"History and rules only. Today's Prime and today's maximum rates are live: read /api/sba-express/get_max_rates_today.","prime_history_through":"2026-10-27","rows":[{"date":"2000-01-03","prime_rate_percent":8.5,"change_percentage_points":null},{"date":"2000-02-03","prime_rate_percent":8.75,"change_percentage_points":0.25},{"date":"2000-03-22","prime_rate_percent":9.0,"change_percentage_points":0.25},{"date":"2000-05-17","prime_rate_percent":9.5,"change_percentage_points":0.5},{"date":"2001-01-04","prime_rate_percent":9.0,"change_percentage_points":-0.5},{"date":"2001-02-01","prime_rate_percent":8.5,"change_percentage_points":-0.5},{"date":"2001-03-21","prime_rate_percent":8.0,"change_percentage_points":-0.5},{"date":"2001-04-19","prime_rate_percent":7.5,"change_percentage_points":-0.5},{"date":"2001-05-16","prime_rate_percent":7.0,"change_percentage_points":-0.5},{"date":"2001-06-28","prime_rate_percent":6.75,"change_percentage_points":-0.25},{"date":"2001-08-22","prime_rate_percent":6.5,"change_percentage_points":-0.25},{"date":"2001-09-18","prime_rate_percent":6.0,"change_percentage_points":-0.5},{"date":"2001-10-03","prime_rate_percent":5.5,"change_percentage_points":-0.5},{"date":"2001-11-07","prime_rate_percent":5.0,"change_percentage_points":-0.5},{"date":"2001-12-12","prime_rate_percent":4.75,"change_percentage_points":-0.25},{"date":"2002-11-07","prime_rate_percent":4.25,"change_percentage_points":-0.5},{"date":"2003-06-27","prime_rate_percent":4.0,"change_percentage_points":-0.25},{"date":"2004-06-30","prime_rate_percent":4.25,"change_percentage_points":0.25},{"date":"2004-08-10","prime_rate_percent":4.5,"change_percentage_points":0.25},{"date":"2004-09-21","prime_rate_percent":4.75,"change_percentage_points":0.25},{"date":"2004-11-10","prime_rate_percent":5.0,"change_percentage_points":0.25},{"date":"2004-12-14","prime_rate_percent":5.25,"change_percentage_points":0.25},{"date":"2005-02-02","prime_rate_percent":5.5,"change_percentage_points":0.25},{"date":"2005-03-22","prime_rate_percent":5.75,"change_percentage_points":0.25},{"date":"2005-05-03","prime_rate_percent":6.0,"change_percentage_points":0.25},{"date":"2005-06-30","prime_rate_percent":6.25,"change_percentage_points":0.25},{"date":"2005-08-09","prime_rate_percent":6.5,"change_percentage_points":0.25},{"date":"2005-09-20","prime_rate_percent":6.75,"change_percentage_points":0.25},{"date":"2005-11-01","prime_rate_percent":7.0,"change_percentage_points":0.25},{"date":"2005-12-13","prime_rate_percent":7.25,"change_percentage_points":0.25},{"date":"2006-01-31","prime_rate_percent":7.5,"change_percentage_points":0.25},{"date":"2006-03-28","prime_rate_percent":7.75,"change_percentage_points":0.25},{"date":"2006-05-10","prime_rate_percent":8.0,"change_percentage_points":0.25},{"date":"2006-06-29","prime_rate_percent":8.25,"change_percentage_points":0.25},{"date":"2007-09-18","prime_rate_percent":7.75,"change_percentage_points":-0.5},{"date":"2007-10-31","prime_rate_percent":7.5,"change_percentage_points":-0.25},{"date":"2007-12-11","prime_rate_percent":7.25,"change_percentage_points":-0.25},{"date":"2008-01-22","prime_rate_percent":6.5,"change_percentage_points":-0.75},{"date":"2008-01-30","prime_rate_percent":6.0,"change_percentage_points":-0.5},{"date":"2008-03-18","prime_rate_percent":5.25,"change_percentage_points":-0.75},{"date":"2008-04-30","prime_rate_percent":5.0,"change_percentage_points":-0.25},{"date":"2008-10-08","prime_rate_percent":4.5,"change_percentage_points":-0.5},{"date":"2008-10-29","prime_rate_percent":4.0,"change_percentage_points":-0.5},{"date":"2008-12-16","prime_rate_percent":3.25,"change_percentage_points":-0.75},{"date":"2015-12-17","prime_rate_percent":3.5,"change_percentage_points":0.25},{"date":"2016-12-15","prime_rate_percent":3.75,"change_percentage_points":0.25},{"date":"2017-03-16","prime_rate_percent":4.0,"change_percentage_points":0.25},{"date":"2017-06-15","prime_rate_percent":4.25,"change_percentage_points":0.25},{"date":"2017-12-14","prime_rate_percent":4.5,"change_percentage_points":0.25},{"date":"2018-03-22","prime_rate_percent":4.75,"change_percentage_points":0.25},{"date":"2018-06-14","prime_rate_percent":5.0,"change_percentage_points":0.25},{"date":"2018-09-27","prime_rate_percent":5.25,"change_percentage_points":0.25},{"date":"2018-12-20","prime_rate_percent":5.5,"change_percentage_points":0.25},{"date":"2019-08-01","prime_rate_percent":5.25,"change_percentage_points":-0.25},{"date":"2019-09-19","prime_rate_percent":5.0,"change_percentage_points":-0.25},{"date":"2019-10-31","prime_rate_percent":4.75,"change_percentage_points":-0.25},{"date":"2020-03-04","prime_rate_percent":4.25,"change_percentage_points":-0.5},{"date":"2020-03-16","prime_rate_percent":3.25,"change_percentage_points":-1.0},{"date":"2022-03-17","prime_rate_percent":3.5,"change_percentage_points":0.25},{"date":"2022-05-05","prime_rate_percent":4.0,"change_percentage_points":0.5},{"date":"2022-06-16","prime_rate_percent":4.75,"change_percentage_points":0.75},{"date":"2022-07-28","prime_rate_percent":5.5,"change_percen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or less","programs":"7(a) and SBA Express","percentage_points_over_prime":6.5},{"loan_size":"$50,001 to $250,000","programs":"7(a) and SBA Express","percentage_points_over_prime":6.0},{"loan_size":"$250,001 to $350,000","programs":"7(a) and SBA Express","percentage_points_over_prime":4.5},{"loan_size":"$350,001 to $500,000","programs":"7(a) and SBA Express","percentage_points_over_prime":3.0},{"loan_size":"$500,001 to $5,000,000","programs":"7(a) only","percentage_points_over_prime":3.0}],"lender_median_spreads":[{"loan_size":"$50,000 or less","sba_maximum_points_over_prime":"6.5","median_points_over_prime":3.75,"loans":41521},{"loan_size":"$50,001 to $150,000","sba_maximum_points_over_prime":"6.0","median_points_over_prime":3.0,"loans":39653},{"loan_size":"$150,001 to $350,000","sba_maximum_points_over_prime":"4.5 to 6.0","median_points_over_prime":2.75,"loans":30329},{"loan_size":"$350,001 to $500,000","sba_maximum_points_over_prime":"3.0","median_points_over_prime":2.5,"loans":14846},{"loan_size":"$500,001 to $1,000,000","sba_maximum_points_over_prime":"3.0","median_points_over_prime":2.25,"loans":15897},{"loan_size":"$1,000,001 to $2,000,000","sba_maximum_points_over_prime":"3.0","median_points_over_prime":2.0,"loans":10799},{"loan_size":"Over $2,000,000","sba_maximum_points_over_prime":"3.0","median_points_over_prime":1.53,"loans":9310}],"fomc_meetings":[{"first_day":"2026-12-08","decision_day":"2026-12-09","new_economic_projections":true},{"first_day":"2027-01-26","decision_day":"2027-01-27","new_economic_projections":false},{"first_day":"2027-03-16","decision_day":"2027-03-17","new_economic_projections":true},{"first_day":"2027-04-27","decision_day":"2027-04-28","new_economic_projections":false},{"first_day":"2027-06-08","decision_day":"2027-06-09","new_economic_projections":true},{"first_day":"2027-07-27","decision_day":"2027-07-28","new_economic_projections":false},{"first_day":"2027-09-14","decision_day":"2027-09-15","new_economic_projections":true},{"first_day":"2027-10-26","decision_day":"2027-10-27","new_economic_projections":false},{"first_day":"2027-12-07","decision_day":"2027-12-08","new_economic_projections":true}],"fomc_calendar_read":"2026-11-09"}}