Small Business Credit Efficiency Act of 1995

[AI summary unavailable — showing source text] Small Business Credit Efficiency Act of 1995 - Amends the Small Business Act to increase to five tenths of one percent (from four tenths of one percent) of the outstanding principal balance of a loan guaranteed by the Small Business Administration (SBA) the amount which may be charged as a fee for loan guarantees sold on the secondary market. Decreases the level of participation by the SBA in the guarantee of general business loans made to qualified small businesses to: (1) 80 percent of the balance of the financing outstanding if such amount is less than or equal to $100,000; and (2) 75 percent of such balance if such amount is greater than $100,000. (Currently, the level is no less than 90 percent of such balance for any amount less than or equal to $155,000.) Limits the maximum authorized interest rate for a loan guaranteed under the Preferred Lenders Program to the highest rate charged for other SBA loan guarantees. Authorizes the SBA to collect from borrowers a loan guarantee fee of: (1) two and one half percent of the outstanding loan balance for loans greater than or equal to $250,000, but less than $500,000; and (2) three percent of such balance for loans of $500,000 or gre…