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  • Treasury 3-Year

    4.890%+0.040%
    up 0.040 percentage points versus the prior published observation

  • Treasury 5-Year

    5.020%+0.030%
    up 0.030 percentage points versus the prior published observation

  • Treasury 7-Year

    5.130%+0.020%
    up 0.020 percentage points versus the prior published observation

  • Treasury 10-Year

    5.240%+0.020%
    up 0.020 percentage points versus the prior published observation

  • SOFR

    3.870%-0.010%
    down 0.010 percentage points versus the prior published observation

  • SOFR - 30-Day Avg

    3.816%+0.008%
    up 0.008 percentage points versus the prior published observation

  • SOFR - 90-Day Avg

    3.710%+0.004%
    up 0.004 percentage points versus the prior published observation

  • SOFR - 180-Day Avg

    3.688%+0.002%
    up 0.002 percentage points versus the prior published observation

Rates as of the last published business day — Treasury Oct 9, 2026, SOFR Oct 9, 2026

Rair Capital

Lending Sources

Our Lending Sources

Commercial capital does not come from one place. Rair Capital places each request with the lender type that actually fits the asset, the sponsor and the timeline — twelve distinct sources, one application.

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Capital sources

Twelve sources of commercial capital

Each source underwrites differently, prices differently and closes on a different timeline. Understanding which one fits your deal is most of the work.

Banks & Credit Unions

The cheapest capital in the market for strong sponsors willing to sign recourse and move a deposit relationship.

Learn more about Banks & Credit Unions

Non-Bank Lenders

Speed, certainty of execution and a willingness to underwrite the story rather than the tax return.

Learn more about Non-Bank Lenders

Government Agencies

Government-guaranteed programs that stretch amortization and cut the down payment for owner-occupied and rural business borrowers.

Learn more about Government Agencies

CMBS Conduit Lenders

Non-recourse, long-term fixed-rate debt for stabilized cash-flowing assets, priced off the bond market.

Learn more about CMBS Conduit Lenders

Life Insurance Companies

The most conservative and lowest-priced permanent debt in the market, reserved for best-in-class assets.

Learn more about Life Insurance Companies

Fannie Mae

Delegated multifamily execution offering non-recourse debt, long terms and pricing incentives for affordability.

Learn more about Fannie Mae

Freddie Mac and HUD

The longest amortization and most durable fixed rates in housing finance, for sponsors who can absorb the process.

Learn more about Freddie Mac and HUD

Debt Funds

Institutional private credit for construction, bridge and value-add deals that need leverage and speed.

Learn more about Debt Funds

Merchant Cash Advance Lenders

The fastest working capital in the market, repaid from revenue — and the most expensive money you can take.

Learn more about Merchant Cash Advance Lenders

Mezzanine Funds

Subordinate capital that closes the gap between what the senior lender will fund and what the sponsor can write.

Learn more about Mezzanine Funds

Factoring & PO Financing Lenders

Liquidity against invoices and confirmed orders, underwritten on your customers' credit rather than yours.

Learn more about Factoring & PO Financing Lenders

Equipment Finance Lenders

Financing secured by the equipment itself, including sale-leasebacks that convert owned assets into working capital.

Learn more about Equipment Finance Lenders

Not sure which fits?

Tell us about the deal and we will tell you where it belongs

Rair Capital reviews the asset, the sponsor and the timeline, then places the request with the lenders actively funding deals like it. All terms are indicative and subject to full underwriting.

Apply NowTalk to our team