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SBA loan curiosity rates are based mostly on the daily prime price (set by the Federal Reserve) plus the lender’s unfold. SBA loans usually have a variable charge, which implies the curiosity fee can fluctuate over time. Some lenders would possibly go for a set price, which means your curiosity rate won’t change over the lifetime of the mortgage. Some lenders might even do a hard and fast price for a portion of the loan term – for instance, a 10-12 months loan may have a hard and fast rate for three and a variable price for seven years.

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