Current business funding rates.
Indicative ranges across the most common funding types, plus the benchmarks that move them. Your real rate depends on your profile — we help you land at the low end.
SBA 7(a) — variable
Lowest costThe flexible workhorse — working capital, acquisition, refinance, or real estate up to $5M.
SBA 504
Lowest costOwner-occupied commercial real estate and major equipment, with low down payments.
Conventional term loan
BalancedA lump sum for a defined purpose when you want predictable payments.
Business line of credit
BalancedFlexible, revolving access for recurring or seasonal cash needs.
Equipment financing
BalancedBuy vehicles, machinery, or tech while preserving working capital.
Merchant cash advance
FastFastest cash and easiest approval, but the most expensive — compare before signing.
Five things that decide where you land in the range.
The strongest lever. Higher scores move you toward the bottom of every range; weak credit pushes you up or into costlier products.
More operating history lowers a lender's perceived risk. Two-plus years opens the best programs and rates.
Healthy, consistent cash flow with a DSCR around 1.25× signals you can comfortably carry the payment.
Pledging assets or putting more money down reduces lender risk — and often the rate.
Variable loans move with the prime rate. When the Fed cuts, your payment can fall; when it hikes, it rises.
Want your actual rate, not a range?
A 2-minute pre-qual gives you real numbers from lenders that fit your profile — with no impact to your credit.
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