Every funding option, explained in plain English
Know what funding really costs before you sign.
Live rates, plain-English guides, and a directory of lenders across every way to fund a business — term loans, lines of credit, SBA, equipment, and more. Compare your options and find what actually fits.
- 200+Lenders Tracked
- 89Grant Programs
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- EveryFunding Type
Today's funding benchmarks
Data through
The table lists each benchmark, its current value, and its change over 7 days.
| Benchmark | Rate | 7 days |
|---|---|---|
| Bank prime loan ratecached DPRIME · Common base rate for pricing many variable-rate business loans and credit lines. Source observation dated July 10, 2026. Retrieved July 14, 2026 7:36 pm. Source vintage July 13, 2026. | 6.75% | flat |
| Effective federal funds ratecached DFF · Overnight interbank rate published by the Federal Reserve Bank of New York. Source observation dated July 10, 2026. Retrieved July 14, 2026 7:36 pm. Source vintage July 13, 2026. | 3.62% | down0.01 |
| Secured Overnight Financing Rate SOFR · Broad overnight financing benchmark based on U.S. Treasury repurchase transactions. Source observation dated July 13, 2026. Retrieved July 14, 2026 7:36 pm. Source vintage July 14, 2026. | 3.60% | down0.03 |
| 1-year Treasury yieldcached DGS1 · One-year U.S. Treasury constant maturity market yield. Source observation dated July 10, 2026. Retrieved July 14, 2026 7:36 pm. Source vintage July 13, 2026. | 4.06% | up0.10 |
| 10-year Treasury yieldcached DGS10 · Ten-year U.S. Treasury constant maturity market yield. Source observation dated July 10, 2026. Retrieved July 14, 2026 7:36 pm. Source vintage July 13, 2026. | 4.56% | up0.07 |
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business owners
business owners
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verified lenders
verified lenders
$2B+
funding facilitated
funding facilitated
Weekly
2026 rate updates
2026 rate updates
Funder A Funder B Funder C
Verified & vetted
Featured funding partners
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Featured partner
FA Funder A
Online term lender
Online term lender
★★★★★ 4.8 verified reviews
Loan range
$5K–$250K
$5K–$250K
Min. rate
29.9% APR
29.9% APR
Min. credit
625+
625+
Funding speed
Same day
Same day
Term loans Fast approval
Featured partner
FB Funder B
Fintech lender
Fintech lender
★★★★★ 4.8 verified reviews
Loan range
$6K–$250K
$6K–$250K
Min. rate
6.2% simple
6.2% simple
Min. credit
625+
625+
Funding speed
24 hours
24 hours
Term loans Fast approval
FC Funder C
Alternative lender
Alternative lender
★★★★★ 4.8 verified reviews
Loan range
$10K–$5M
$10K–$5M
Min. rate
Factor rate
Factor rate
Min. credit
550+
550+
Funding speed
2–3 days
2–3 days
Term loans Fast approval
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Find funding for your situation
💼
SBA loans
Government-backed rates from prime + 2.25%
↗
Lines of credit
Revolving access to capital on demand
▣
Equipment financing
Finance machinery, vehicles & tech assets
★
Grants
Non-repayable funding for eligible businesses
📈
Startup funding
Capital for pre-revenue and early-stage ventures
▤
Invoice factoring
Turn outstanding invoices into immediate cash
▥
Working capital
Bridge gaps in day-to-day operating cash
▰
Commercial real estate
Finance property acquisition & expansion
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Updated weekly
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