Rates today
  • Prime rate 6.75% flat
  • Fed funds 3.63% flat
  • SOFR 3.65% up0.01
  • Treasury 1Y 4.04% down0.11
  • Treasury 10Y 4.68% down0.03
Updated: EST

This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Sign In
Get The 2026 Guide

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.

Compare Lenders Browse Free Guides
  • 6,738Funding Partners
  • 1,338Grant Opportunities
  • 544Open Contracts
  • HourlyRate Updates

Latest Funding Benchmarks

Updated: EST

The table lists each benchmark, its current value, and its change over 7 days.

Latest Funding Benchmarks
Benchmark Rate 7 days
Bank prime loan rate DPRIME · Common base rate for pricing many variable-rate business loans and credit lines. Source observation dated July 30, 2026. Retrieved August 1, 2026 7:34 pm. Source vintage July 31, 2026. 6.75% flat
Effective federal funds rate DFF · Overnight interbank rate published by the Federal Reserve Bank of New York. Source observation dated July 30, 2026. Retrieved August 1, 2026 7:34 pm. Source vintage July 31, 2026. 3.63% flat
Secured Overnight Financing Rate SOFR · Broad overnight financing benchmark based on U.S. Treasury repurchase transactions. Source observation dated July 30, 2026. Retrieved August 1, 2026 7:34 pm. Source vintage July 31, 2026. 3.65% up0.01
1-year Treasury yield DGS1 · One-year U.S. Treasury constant maturity market yield. Source observation dated July 30, 2026. Retrieved August 1, 2026 7:34 pm. Source vintage July 31, 2026. 4.04% down0.11
10-year Treasury yield DGS10 · Ten-year U.S. Treasury constant maturity market yield. Source observation dated July 30, 2026. Retrieved August 1, 2026 7:34 pm. Source vintage July 31, 2026. 4.68% down0.03

FRED rows are economic benchmarks. Product rows appear only from an approved, sourced methodology and are not lender offers.

Benchmark source: FRED®, Federal Reserve Bank of St. Louis (opens in a new tab)

This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Verified Funding Partners

View all 200+ lenders →

3 Verified Lenders

Featured partner

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

View all 200+ lenders →

1,338 Verified Open Grants

Sign Up to Unlock More Features

Create your free account today to view all verified open grants and to unlock more tools including;advanced search, grant filters, comparisons and more.

Sign Up Sign In

Open Contract Opportunities

View all 200+ lenders →

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
Browse by type

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

Get your free 2026 Business Funding Playbook

Current rates, eligibility, lender comparisons — free download. Trusted by 50,000+ business owners.
Enter your email
Get free 2026 guide →
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
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
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
User reviews

What business owners are saying

Read all reviews →
★★★★★
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
★★★★★
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
★★★★★
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