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  • Treasury 3-Year

    4.410%+0.110%
    up 0.110 percentage points versus the prior published observation

  • Treasury 5-Year

    4.480%+0.100%
    up 0.100 percentage points versus the prior published observation

  • Treasury 7-Year

    4.590%+0.070%
    up 0.070 percentage points versus the prior published observation

  • Treasury 10-Year

    4.730%+0.060%
    up 0.060 percentage points versus the prior published observation

  • SOFR

    3.640%0.000%
    unchanged 0.000 percentage points versus the prior published observation

  • SOFR - 30-Day Avg

    3.646%0.000%
    unchanged 0.000 percentage points versus the prior published observation

  • SOFR - 90-Day Avg

    3.643%0.000%
    unchanged 0.000 percentage points versus the prior published observation

  • SOFR - 180-Day Avg

    3.659%0.000%
    unchanged 0.000 percentage points versus the prior published observation

Rates last updated Aug 28, 2026 ET

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.

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Non-Bank Lenders

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

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Government Agencies

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

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CMBS Conduit Lenders

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

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Life Insurance Companies

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

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Fannie Mae

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

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Freddie Mac and HUD

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

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Debt Funds

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

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Merchant Cash Advance Lenders

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

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Mezzanine Funds

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

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Factoring & PO Financing Lenders

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

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Equipment Finance Lenders

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

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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.

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