What SBA loan rates are you getting for $1M-$2M deals in MA?

searcher profile

December 26, 2025

by a searcher in Boston, MA, USA

Any changes after the latest FED rate cut in December? Any expectations on lower SBA Loan rates with the next FED rate cut ?
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commentor profile
Reply by a lender
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA
I concur with Sean. Interest rates can vary quite a bit depending on the lender and deal strength. The prime rate is now at 6.75%. Most lenders for SBA loans lend at a spread over prime, anywhere from Prime to Prime plus 3.00% (which is the maximum for loans of $350,000 or more they can charge). We are seeing some lenders for very strong deals offering fixed rates and others in the Prime plus 1% to 2.50% range depending on deal risk. We would be happy to discuss any specific deals you are looking at and try to give you more detailed pricing. We also offer a free deal review. You can reach me here or directly at redacted Good luck with your search and have a great day!
commentor profile
Reply by a lender
from University of Missouri in Denver, CO, USA
This totally depends on every lender and the quality of the deal. Most lenders price variable off prime, but some will offer fixed for the right deals
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