At Pendrith Capital, we operate upon the core values of transparency, synergy, and trustworthiness. As a lower to middle market financial advisory firm, we put you and your visions first. We are always determined to help every client find the best capital options available.
Commercial finance investors and lenders will use bench mark of the United State Treasury as a secure interest for specific lending standards. The Treasury yields as an indicator for commercial lending practices. Treasury securities are backed by the full faith and credit of the U.S. Treasury.
| Treasury Data Last Search | Current Week | Last Month | Last Year |
|---|---|---|---|
| Ten-Year Treasury Constant Maturity | 3.600 | 3.970 | 2.410 |
| 182-day T-bill auction avg disc rate | 4.650 | 4.970 | 1.050 |
| One-Year MTA | 3.466 | 3.466 | 0.219 |
| Two-Year Treasury Constant Maturity | 4.020 | 5.000 | 2.350 |
| Five-Year Treasury Constant Maturity | 3.630 | 4.310 | 2.490 |
| 91-day T-bill auction avg disc rate | 4.675 | 4.765 | 0.605 |
| One-Year CMT (Monthly) | 4.930 | 4.930 | 1.000 |
| One-Year Treasury Constant Maturity | 4.550 | 5.220 | 1.670 |
| U.S. Treasury | (%) |
|---|---|
| 5-Year US Treasury Note | 3.592% |
| 7-Year US Treasury Note | 3.528% |
| 10-Year US Treasury Note | 3.273% |
| United States Treasury SWAP | SWAP (%) |
|---|---|
| 1-Year US Treasury | 4.848% |
| 2-Year US Treasury | 5.176% |
| 3-Year US Treasury | 5.272% |
| 5-Year US Treasury | 5.029% |
| 7-Year US Treasury | 4.457% |
| 10-Year US Treasury | 4.074% |
| 30-Year US Treasury | 3.719% |
* Treasury indexes are of interest to investors and borrowers alike, especially those who have commercial mortgages or business loans. Indexes are based of data from the Federal Reserve and the United States Treasury.
Commercial real estate is leveraged by risk. When risk is more apparent, investing entities favor a higher return of compensation. To offset this risk in lending treasury yields on many bonds and money market instruments are priced at a spread. Treasuries are always backed in full faith by the US government are considered a risk free investment vehicle.
The London Inter-bank Offered Rate is among the most common of commercial real-estate benchmark interest rate indexes. The LIBOR index is common for writing instituted investment banks mortgages.
| Libor Lending Rates | Week Average | Last Month | Last Year |
|---|---|---|---|
| 30 Day LIBOR Rate | 5.16 | 5.03 | 1.01 |
| 90 Day LIBOR Rate | 5.25 | 5.35 | 1.5 |
| 180 Day LIBOR Rate | 6.75 | 6.5 | 2.25 |
| 1 Year LIBOR Rate | |||
| Call Money | 5.94 | 6.26 | 4.43 |
| Bond Buyer's 20 bond index | 4.86 | 4.72 | 0.46 |
| FNMA 30 Year Commercial Mortgage 60 days | 5.19 | 5.72 | 2.2 |
* Libor Rates are aggregated with open market data. Data shown does constitute your lending rate. Feeds can be subject delay, use for quick reference.
Prime rate is the most common index. Prime is the widest used benchmark for equity lines of credit, business loans, credit financing and consumer based retail property financing. Prime rate is influenced directly by the federal funds rate, which is set by the Federal Reserve.
The SBA 504 Loan program is a powerful economic development loan program that offers small businesses another avenue for business financing. The intention of the 504 program is to promote business growth, and job creation.
| Key Commercial Lending Data Rates | Current Week | Last Month | Last Year |
|---|---|---|---|
| WSJ Prime Rate | 0.223 | 0.223 | 0.223 |
| Federal Discount Rate | 5 | 4.75 | 0.5 |
| Fed Funds Rate (Current target rate 4.75-5.00) | 5 | 4.75 | 0.5 |
| 11th District Cost of Funds | 8 | 7.75 | 7.75 |
* Indexes are based of data from open markets and updated daily. Feeds can be subject delay, use for quick reference.
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