Market Rates and Indexes

Market Rates

Conventional

Rate: 6.5-7.5%+ LTV: 75% Term: 5-yr fixed Amortization: 25–30 yrs

Owner User

SBA: Rate: 9-10%+ LTV: 90% Term: 25 yrs Amortization: 25 yrs

Bank: Rate: 6.5-7.5%+ LTV: 90% Term: 5-yr fixed Amortization: 25 yrs

DSCR

Rate: 9-11%+ LTV: 75% Term: 5-yr fixed Amortization: 30 yrs

Bridge

Rate: 9-13%+ LTV: 65-75% Term: 12–24 months Amortization: Interest only

Construction

Private: Rate: 10-13%+ LTC: 75-85% Term: 12–36 months Amortization: Interest only

Bank: Rate: 7-9%+ LTC: 65-75% Term: 12–36 months Amortization: Interest only

Market Indexes

Latest close: Oct 30, 2026

5-Year Treasury

4.71%▲ 0.99 vs 1 yr

10-Year Treasury

4.94%▲ 0.81 vs 1 yr

SOFR

3.94%▼ 0.19 vs 1 yr

Prime Rate

7.00%– 0.00 vs 1 yr

SBA 504 Debenture · 25-yr

5.85%▲ 1.12 vs 1 yr

6.97% all-in with fees · Oct 8, 2026

Sources: US Treasury (constant-maturity yields), Federal Reserve Bank of New York (SOFR; fed funds target), Eagle Compliance / NADCO (504 debenture) and SomerCor (504 effective rate). Prime is the fed funds target upper bound + 3%. Updated each business day; the 504 rate once a month, after each debenture sale. Charts show the last 12 months. Conventional, owner-user and bank-construction rate ranges follow these indexes daily; all rates are for discussion only, not a commitment to lend, and subject to underwriting.