Please note that the rates quoted are fully effective rates.  This means the ongoing fees associated with the loan (such as the CDC, SBA, and central servicing agent fees) are already factored into the interest rate.  Additionally, each year, SBA recalculates the “borrower fee,” which is also part of the fully effective rate.  Therefore, the fully effective rate at the time of funding could differ from the information below, depending on what fiscal year your loan was approved.