Motenza Data Desk
SBA 7(a) variable rate ceilings
Clear data for understanding U.S. financing benchmarks. Official sources, visible dates and reproducible calculations.
Calculated prime-based variable ceilings; not loan offers, fixed rates, APRs or an eligibility decision.
Calculation base: prime 7.00% · Oct 21, 2026. Policy checked: Oct 25, 2026.
Up to $50,000
13.50%Over $50,000 through $250,000
13.00%Over $250,000 through $350,000
11.50%Over $350,000
10.00%Ceilings compared
| Loan amount | Spread (points) | Ceiling |
|---|---|---|
| Up to $50,000 | 6.50 | 13.50% |
| Over $50,000 through $250,000 | 6.00 | 13.00% |
| Over $250,000 through $350,000 | 4.50 | 11.50% |
| Over $350,000 | 3.00 | 10.00% |
How to read the calculation
SBA allows the rate to be negotiated within its limits. This calculation uses prime; another permitted base may apply. Total borrowing cost also depends on fees and contract terms. Fixed-rate maximums are published separately.
Policy source: U.S. Small Business Administration — 7(a) variable-rate maximums.
This table applies the checked policy to the latest prime observation. It does not reconstruct historical legal ceilings.
View the full available prime history and download itFrom the data to the decision
Use these benchmarks alongside the terms of your proposal and your cash needs.