Current Commercial Loan Interest Rates
Stay informed with the latest benchmark rates and typical ranges for various commercial loan programs. These rates are dynamic and subject to change based on market conditions, borrower creditworthiness, and specific loan terms.
| Loan Program / Index | Rate/Range (Avg. Est.) | Notes |
|---|---|---|
| Prime Rate | –% | Benchmark rate for many variable-rate loans, often tied to the Federal Funds Rate. Published by sources like The Wall Street Journal. |
| SOFR (Secured Overnight Financing Rate) | –% | Primary replacement for LIBOR, published daily by the Federal Reserve Bank of New York. Used for floating-rate commercial loans. |
| SBA 7(a) Loans | –% to –% | Rates are capped and tied to the Prime Rate plus a spread, varying by loan size and term. Example: (>$350K variable: Prime + up to 3%) |
| SBA 504 Loans | –% to –% | Interest rates are tied to the 10-year U.S. Treasury note and generally include additional fees. |
| Freddie Mac Multifamily (Optigo®) | –% to –% | Common for apartments; competitive rates often based on index + spread. Varies by loan size ($6M+ vs. <$6M), term, and LTV. |
| Fannie Mae Multifamily (DUS®) | –% to –% | Another leading option for apartment financing; competitive rates, fixed and variable options available. |
| CMBS Loans | –% to –% | Commercial Mortgage-Backed Securities loans. Generally fixed rates, often tied to a Treasury index plus a spread. |
| Regional Banks/Credit Unions | –% to –% | Rates vary widely based on lender, property type, borrower strength, and local market conditions. |
| Life Insurance Companies | –% to –% | Typically offer very competitive fixed rates for stable, high-quality assets. |
| Debt Funds / Private Lenders | –% to –% | Often provide bridge or construction loans, sometimes at higher rates but with more flexibility and speed. |
⚠ Important Disclaimer:
The rates displayed here are for **illustrative purposes only** and are based on publicly available information as of **May 2025**. They are **NOT live, real-time, or legally binding financial rates** and should not be used for making financial decisions. Commercial loan interest rates are highly dynamic and subject to frequent change. Actual rates will vary significantly based on numerous factors including, but not limited to, prevailing market conditions, the borrower’s creditworthiness, the property’s financial performance, loan-to-value (LTV), debt service coverage ratio (DSCR), loan term, property type, and specific lender criteria.
For the most accurate and current rates applicable to your specific commercial loan needs, **you must consult directly with a qualified lender or financial advisor.**
Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!
⚡ Key Flexible Funding Options:
GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:
DSCR Rental Loan
- No tax returns required
- Qualify using rental income (DSCR-based)
- Fast closings ~3–4 weeks
SBA 7(a) Loan
- Lower down payments vs banks
- Long amortization improves cash flow
- Good if your business occupies 51%+
Bridge Loan
- Close quickly — move on opportunities
- Flexible underwriting
- Great for value-add or transitional assets
SBA 504 Loan
- Low fixed rates through CDC portion
- Great for construction, expansion, fixed assets
- Often lower down payment than bank loans
🌐 Learn More
For details on GHC Funding's specific products and to start an application, please visit our homepage:
Small Business Loan (Focusing on Moreno Valley Opportunities) Starting or expanding" loading="lazy" srcset="https://www.ghcfunding.com/wp-content/uploads/2024/08/Gemini_Generated_Image_gr5ekqgr5ekqgr5e-1024x1024.jpeg 1024w, https://www.ghcfunding.com/wp-content/uploads/2024/08/Gemini_Generated_Image_gr5ekqgr5ekqgr5e-300x300.jpeg 300w, https://www.ghcfunding.com/wp-content/uploads/2024/08/Gemini_Generated_Image_gr5ekqgr5ekqgr5e-150x150.jpeg 150w, https://www.ghcfunding.com/wp-content/uploads/2024/08/Gemini_Generated_Image_gr5ekqgr5ekqgr5e-768x768.jpeg 768w, https://www.ghcfunding.com/wp-content/uploads/2024/08/Gemini_Generated_Image_gr5ekqgr5ekqgr5e-1536x1536.jpeg 1536w, https://www.ghcfunding.com/wp-content/uploads/2024/08/Gemini_Generated_Image_gr5ekqgr5ekqgr5e-1080x1080.jpeg 1080w, https://www.ghcfunding.com/wp-content/uploads/2024/08/Gemini_Generated_Image_gr5ekqgr5ekqgr5e.jpeg 2048w" sizes="auto, (max-width: 1024px) 100vw, 1024px" />
Get a No Obligation Quote Today.
Use these trusted resources to grow and manage your small business—then connect with GHC Funding
to explore financing options tailored to your needs.
GHC Funding helps entrepreneurs secure working capital, equipment financing, real estate loans,
and more—start your funding conversation today.
Helpful Small Business Resources
