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Motenza Data Desk
Interest rates today
Clear data for understanding U.S. financing benchmarks. Official sources, visible dates and reproducible calculations.
Prime rate
7.00%
SOFR
3.92%
Effective federal funds rate
3.88%
10-year Treasury yield
4.96%
Fed target range: lower limit
3.75%
Fed target range: upper limit
4.00%
Motenza calculation
What prime means for SBA 7(a) ceilings
Compare four loan-size bands of the prime-based variable ceiling. See the formula, benchmark date and policy used.
Use the right benchmark
A base rate, a Treasury yield and a regulatory ceiling answer different questions. To compare two proposals, ask for each proposal’s benchmark, margin, fees and repayment schedule.
We do not publish an average business-loan, credit-line or merchant-cash-advance rate without an identifiable survey specifying its sample, date and method.
From the data to the decision
Use these benchmarks alongside the terms of your proposal and your cash needs.