Data
SBA Rate Tracker
Most 7(a) loans float at prime plus a spread; this page tracks the number that moves every payment.
Prime Rate Today
6.75%
In effect since Dec 11, 2025
Typical Borrower Pays
~9%
Prime + ~2.25% spread
Change History
| Effective Date | Prime Rate | Typical Borrower (~+2.25%) |
|---|---|---|
| Dec 11, 2025 | 6.75% | ~9.00% |
| Oct 30, 2025 | 7% | ~9.25% |
| Sep 18, 2025 | 7.25% | ~9.50% |
| Dec 19, 2024 | 7.5% | ~9.75% |
| Nov 8, 2024 | 7.75% | ~10.00% |
| Sep 19, 2024 | 8% | ~10.25% |
| Jul 27, 2023 | 8.5% | ~10.75% |
See What a Rate Change Does to Your Deal
The SBA Acquisition Calculator uses these figures; a quarter point moves the payment on a typical seven-figure loan by more than most buyers expect. Full lending statistics live on the SBA Loan Statistics page.
Everything here is educational information, not financial, legal, tax, or investment advice. Figures are estimates or cited third-party data; verify anything that matters against primary sources and your own advisors before acting on it.