12-Month Trends
Commercial Loan
Rate History
Track how commercial lending rates have moved over the past 12 months across all major loan types. Understand the trend before you lock in your rate.
Rate Trends — May 2025 to Apr 2026
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By Loan Type
12-Month Snapshot
8.25%
Current typical rate
6.75%
Current typical rate
14.50%
Current typical rate
7.80%
Current typical rate
6.90%
Current typical rate
12.00%
Current typical rate
9.25%
Current typical rate
12.50%
Current typical rate
Context
Fed Funds vs. Prime Rate
The Federal Reserve cut rates 4 times between September 2025 and December 2025, bringing the Fed Funds Rate from 5.33% to 4.33%. The Prime Rate followed, dropping from 8.50% to 7.50%. Commercial loan rates have partially reflected these cuts, with SBA and CRE rates declining while short-term working capital and private bridge rates have risen due to increased demand.
Fed Funds & Prime Rate — 12 Months
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