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Current indicative rates across all 9 loan types — formatted for client presentations. Updated quarterly.
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Indicative rates as of Q2 2026 · equityridge.com
For broker use only — not for distribution to borrowers
| Product | Rate Range | Typical Rate | Term | Loan Size | LTV / Advance | Time to Fund |
|---|---|---|---|---|---|---|
SBA 7(a) — Variable Working capital, equipment, real estate, acquisition | Prime + 2.75% | 11.25% | Up to 25 yrs | $50K – $5M | Up to 90% | 30–90 days |
SBA 7(a) — Fixed Borrowers who want payment certainty | 10.50% – 13.00% | 11.75% | Up to 25 yrs | $50K – $5M | Up to 90% | 30–90 days |
SBA 504 Owner-occupied CRE, heavy equipment | 6.00% – 7.50% | 6.85% | 10 or 20 yrs | $125K – $20M+ | Up to 90% | 45–90 days |
SBA 7(a) — Variable: Rate capped by SBA. Variable tied to WSJ Prime Rate.
SBA 7(a) — Fixed: Fixed rate option available on select lenders.
SBA 504: Fixed rate tied to 5/10-yr Treasury. 50/40/10 structure.
| Product | Rate Range | Typical Rate | Term | Loan Size | LTV / Advance | Time to Fund |
|---|---|---|---|---|---|---|
Term Loan — A Paper Established businesses, 680+ credit, 2+ yrs | 8.00% – 15.00% | 10.50% | 1 – 5 years | $50K – $500K | N/A | 3–7 days |
Term Loan — B Paper Lower credit, newer businesses, fast funding | 18.00% – 35.00% | 24.00% | 6 mo – 3 yrs | $25K – $250K | N/A | 1–3 days |
Merchant Cash Advance High card volume businesses, urgent needs | 1.15x – 1.50x factor | 1.30x avg | 3 – 18 months | $10K – $500K | N/A | Same day |
Term Loan — A Paper: Best rates for strong credit profiles.
Term Loan — B Paper: Factor rate pricing common (1.15x – 1.45x).
Merchant Cash Advance: Not a loan — advance on future receivables. Daily/weekly repayment.
| Product | Rate Range | Typical Rate | Term | Loan Size | LTV / Advance | Time to Fund |
|---|---|---|---|---|---|---|
Equipment Loan Machinery, vehicles, medical, tech | 5.00% – 15.00% | 8.25% | 2 – 7 years | $10K – $5M | Up to 100% | 2–5 days |
Equipment Lease Technology, equipment with short useful life | 6.00% – 18.00% | 9.50% | 2 – 5 years | $10K – $2M | N/A | 2–5 days |
Equipment Loan: Equipment is collateral. 0% down available for strong credit.
Equipment Lease: Operating or capital lease options. Buyout at end of term.
| Product | Rate Range | Typical Rate | Term | Loan Size | LTV / Advance | Time to Fund |
|---|---|---|---|---|---|---|
CRE — Conventional Investment properties, multi-family, retail, office | 6.50% – 9.00% | 7.25% | 5 – 30 years | $500K – $50M+ | Up to 75% | 30–60 days |
DSCR Rental Loan Residential investment properties, 1–4 units | 7.00% – 9.50% | 7.75% | 30 years | $100K – $3M | Up to 80% | 21–45 days |
Construction Loan Ground-up construction, major renovation | 8.00% – 12.00% | 9.50% | 12 – 36 months | $500K – $25M+ | Up to 75% of completed value | 30–60 days |
CRE — Conventional: DSCR 1.25x minimum. Balloon payments common at 5/7/10 yrs.
DSCR Rental Loan: No personal income verification. Qualified on property cash flow.
Construction Loan: Interest-only during construction. Converts to perm at completion.
| Product | Rate Range | Typical Rate | Term | Loan Size | LTV / Advance | Time to Fund |
|---|---|---|---|---|---|---|
Business Line of Credit Seasonal businesses, B2B, ongoing working capital | Prime + 1% – 10% | 9.50% – 18.50% | Revolving (annual) | $25K – $1M | N/A | 5–14 days |
Business Line of Credit: Draw as needed, pay interest only on drawn amount.
| Product | Rate Range | Typical Rate | Term | Loan Size | LTV / Advance | Time to Fund |
|---|---|---|---|---|---|---|
Invoice Factoring B2B businesses with slow-paying customers | 1% – 5% per 30 days | 2.5% avg | Per invoice | $25K – $5M/mo | 70% – 95% advance | 1–3 days |
Private / Bridge Loan Time-sensitive deals, credit-challenged, non-standard | 9.00% – 15.00% | 11.50% | 6 – 36 months | $100K – $10M+ | Up to 65–70% | 3–10 days |
Invoice Factoring: Approval based on customer creditworthiness, not borrower.
Private / Bridge Loan: Asset-based. Exit strategy required. Points: 2–4%.
Rates shown are indicative ranges as of Q2 2026 and are subject to change without notice. Actual rates depend on borrower creditworthiness, loan-to-value ratio, debt service coverage, business financials, and lender-specific criteria. These rates are for broker reference only and do not constitute a loan commitment or guarantee of terms. All loans subject to credit approval.
Last updated: Q2 2026 · Rates subject to change without notice
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