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Latest Funding Benchmarks
Updated: EST
The table lists each benchmark, its current value, and its change over 7 days.
| Benchmark | Rate | 7 days |
|---|---|---|
| Bank prime loan rateCached observation. DPRIME · Common base rate for pricing many variable-rate business loans and credit lines. Source observation dated July 31, 2026. Retrieved August 6, 2026 7:08 pm. Source vintage August 3, 2026. | 6.75% | flat |
| Effective federal funds rate DFF · Overnight interbank rate published by the Federal Reserve Bank of New York. Source observation dated August 4, 2026. Retrieved August 6, 2026 7:08 pm. Source vintage August 5, 2026. | 3.63% | flat |
| Secured Overnight Financing Rate SOFR · Broad overnight financing benchmark based on U.S. Treasury repurchase transactions. Source observation dated August 5, 2026. Retrieved August 6, 2026 7:08 pm. Source vintage August 5, 2026. | 3.64% | down0.01 |
| 1-year Treasury yield DGS1 · One-year U.S. Treasury constant maturity market yield. Source observation dated August 4, 2026. Retrieved August 6, 2026 7:08 pm. Source vintage August 5, 2026. | 4.04% | down0.05 |
| 10-year Treasury yield DGS10 · Ten-year U.S. Treasury constant maturity market yield. Source observation dated August 4, 2026. Retrieved August 6, 2026 7:08 pm. Source vintage August 5, 2026. | 4.63% | up0.02 |
Verified Funding Partners
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3 Verified Lenders
Innovate Alabama
Funder
OpenGrants Verified Lender
Funder
Funder C
Alternative lender
Verified Lender
8.1/10
- Funding range
- $10K–$5M
- Minimum credit score
- 550+
- Funding speed
- 2–3 days
- Rate type
- Factor rate
Funder
View summary
Alternative lender with flexible revenue-based products.
Open Grant Opportunities
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1,338 Verified Open Grants
ROSES 2025: A.10 INNOVATE
- Deadline
- August 31, 2026
- Geography
- National
Eligibility Details
This program element does not have a proposal due date. Proposals may be submitted at any time, pending certain eligibility timing issues related to resubmissions and duplicate proposal avoidance, see the program element text and appropriate overview appendix (e.g., B.1 or C.1). The date shown of 8/31/2026 is the last day that proposals may be submitted subject to the ROSES-25 rules and the current GCAM.…
FY 2026 Continuation of Solicitation for the Office of Science Financial Assistance Program
- Funding
- $50,000–$5,000,000
- Deadline
- September 30, 2026
- Geography
- National
Eligibility Details
The Office of Science (SC) of the Department of Energy (DOE) hereby announces its continuing interest in receiving applications for support of work in the following program areas: Advanced Scientific Computing Research, Basic Energy Sciences, Biological and Environmental Research, Fusion Energy Sciences, High Energy Physics, Nuclear Physics, and Isotope R&D and Production. On September 3, 1992, DOE published in the Federal Register the Office of…
Topical Workshops, Symposiums, and Conferences (TWSC-24) in Space and Earth Sciences and Technology
- Deadline
- November 30, 2026
- Geography
- National
Eligibility Details
The goal of the Science Mission Directorate’s (SMD) Notice of Funding Opportunity (NOFO) entitled, “Topical Workshops, Symposiums, and Conferences (TWSC-24) in Space and Earth Sciences and Technology”, is to contribute to SMD's science, technology, and exploration research goals, such as those described by the NASA 2022 Strategic Plan. TWSC aligns to the 2022 Plan’s Goal Statement:...
Open Contract Opportunities
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2 Verified Opportunities
Open contract
OpenGrants
Table-Top Free Space Measuring System – USDA-ARS Auburn AL
- Response deadline
- December 22, 2026
- Location
- National
This is a Sources Sought notice Only. This is NOT a solicitation for proposals, proposal abstracts, or quotations. This Sources Sought is issued for information and planning purposes only as part of USDA ARS market research and does not itself constitute an RFQ. This requirement is covered under NAICS code 334516 � Ana…
Research
Technology
Open contract
OpenGrants
Design-Build Services for the Bridge of the Americas (BOTA) Land Port of Entry (LPOE) Modernization Project, El Paso, Texas (ca9fbee769dc4450b71e53f5871fb7ab)
- Response deadline
- October 15, 2026
- Location
- National
The planned project is to design and construct a U.S. Land Port of Entry that will reflect the critical importance of this crossing as a gateway to the United States of America. The DB scope of work includes all labor and materials r
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Current 2026 programs & rates
View all programs →
New 2026 program
SBA 7(a) Q1 2026 rate update — prime + 2.75% for loans over $50K
The SBA has released updated base rates for Q1 2026. Most 7(a) loans now carry a ceiling of prime + 2.75% for loans exceeding $50,000 with maturities over 7 years.
Jan 6, 2026 Read full update →
Rate change
Alternative lender rate index — Q1 2026 snapshot
Median APR across top 50 alternative lenders shifted in early 2026. Equipment financing rates and MCA factor rates show new movement heading into Q2…
Sign in to read full report
Grant alert
USDA Rural Business Development Grant — 2026 applications now open
Rural small businesses may apply for grants up to $500,000 for technical assistance, training, and working capital. New 2026 cycle opened February 1.
Feb 1, 2026 View eligibility →
Expert contributors
2026 resources & insights
View all articles →
Equipment financing
Equipment financing
How to finance equipment in 2026 without hurting cash flow
The right structure makes all the difference. Here’s what commercial banking experts recommend for equipment loans this year.
JR James Rourke
VP Commercial Lending · 5 min read
VP Commercial Lending · 5 min read
SBA programs
SBA programs
SBA 504 vs 7(a): which loan is right for your business in 2026?
A side-by-side breakdown of the two most popular SBA programs, who qualifies, and how 2026 rates compare.
ML Maria Lopes
SBA Lending Specialist · 7 min read
SBA Lending Specialist · 7 min read
Business growth
Business growth
5 funding strategies for small businesses in a 2026 rate environment
Savvy business owners in 2026 are using a mix of instruments to minimize their cost of capital.
TC Thomas Chen
Alt. Lending Strategist · 6 min read
Alt. Lending Strategist · 6 min read
User reviews
What business owners are saying
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★★★★★
Efficient, quick, and upfront about everything before you even get a quote or offer. Found the right lender in under 20 minutes.
VC Victoria Califorte
Restaurant owner, Miami FL
Restaurant owner, Miami FL
★★★★★
Found several options and now I have peace of mind. I can actually focus on my business instead of stressing about funding.
CT Cedrick Thomas
Logistics company, Atlanta GA
Logistics company, Atlanta GA
★★★★★
Explains everything clearly. Matched me with a lender that didn’t focus on credit score — something I never thought possible.
TR Theodore Radcliff
Retail business, Orlando FL
Retail business, Orlando FL