Rate Watch — Live Market Snapshot
Track the rates that drive commercial lending. Updated daily from Federal Reserve data.
Jan 30, 2025
Jan 31, 2025
Jan 31, 2025
Jan 31, 2025
Jan 31, 2025
Jan 30, 2025
| Loan Size | Variable Max | Fixed Max |
|---|---|---|
| Over $250K | 10.00%Prime + 2.50% | 15.50%Prime + 8.00% |
| $50K–$250K | 11.00%Prime + 3.50% | 15.50%Prime + 8.00% |
| Under $50K | 12.00%Prime + 4.50% | 15.50%Prime + 8.00% |
Over $250K
Variable Max
10.00%
P + 2.50%
Fixed Max
15.50%
P + 8.00%
$50K–$250K
Variable Max
11.00%
P + 3.50%
Fixed Max
15.50%
P + 8.00%
Under $50K
Variable Max
12.00%
P + 4.50%
Fixed Max
15.50%
P + 8.00%
Source: Federal Reserve Economic Data (FRED) — St. Louis Fed | Rates shown are the most recent published observations
What These Rates Mean for You
Understanding how benchmark rates translate into the loan programs you actually use.
Prime Rate & SBA Loans
The Prime Rate directly determines SBA 7(a) loan rates. When Prime drops, your SBA rate drops with it on variable-rate loans. Current Prime: 7.50%.
Treasury Yields & SBA 504
SBA 504 loan rates are fixed and based on Treasury bond yields. The 10-Year Treasury (4.54%) is the key benchmark. Lower yields mean lower 504 rates.
Treasury Yields & DSCR Loans
Most DSCR loan rates are priced off the 5-Year Treasury (4.33%) plus a lender spread. Higher DSCR ratios and credit scores earn tighter spreads.
30-Year Mortgage & Investment Property
The 30-Year Mortgage Rate (6.95%) affects conventional investment property loans. DSCR loans typically run 1–2% above this benchmark.
Want to know exactly what rate you qualify for?
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Important Disclosures
The rates, terms, and program details shown on this page are estimates based on publicly available market data as of early 2026. They are provided for informational and educational purposes only and do not constitute a loan offer, pre-qualification, or commitment to lend.
Actual rates, terms, and eligibility requirements vary significantly based on your credit profile, business financials, collateral, lender policies, and market conditions at the time of application. The information presented may not reflect all available programs or current pricing from specific lenders.
PeerSense is a commercial lending firm — we are not a direct lender. We help connect businesses with appropriate financing programs and lender partners. All lending decisions are made by the respective lenders.
Rates and program details are subject to change without notice. Consult with a qualified financial advisor or lending professional before making any financing decisions.
Last updated: February 2026 | Prime Rate: 6.75% | Sources: SBA.gov, Federal Reserve, industry lender data