Market Indicators
Key metrics shaping the lending landscape right now
Prime Rate
7.50%
Federal Reserve benchmark rate
SBA Approval Rate
54.2%
Small business loan approvals
Avg. Business Loan Rate
8.9%
Across all business loan types
CRE Cap Rate
6.8%
Commercial real estate avg.
MCA Factor Rate
1.28
Average merchant cash advance
Equipment Financing
7.2%
Avg. equipment loan rate
Industry Funding Outlook
Click an industry to see detailed lending intelligence
Construction
Approval
72%
Avg Fund
$385K
Avg Rate
8.4%
Healthcare
Approval
78%
Avg Fund
$520K
Avg Rate
7.8%
Restaurant & Food
Approval
48%
Avg Fund
$125K
Avg Rate
11.2%
Technology
Approval
68%
Avg Fund
$450K
Avg Rate
8.1%
Real Estate Investment
Approval
71%
Avg Fund
$750K
Avg Rate
7.5%
Retail & E-Commerce
Approval
55%
Avg Fund
$180K
Avg Rate
9.8%
Transportation & Logistics
Approval
65%
Avg Fund
$310K
Avg Rate
8.6%
Manufacturing
Approval
64%
Avg Fund
$420K
Avg Rate
8.3%
Lending Trends to Watch
What's shaping business and real estate lending in 2026
AI-Powered Underwriting
Faster approvals, lower rates for qualified borrowers
Lenders using AI can approve in hours instead of weeks. Slate Financial leads this trend.
Alternative Data Scoring
More businesses qualifying than ever
Bank statements, POS data, and revenue trends replacing traditional credit scores.
Interest Rate Cuts Expected
Borrowing costs projected to decrease
Fed signaling rate cuts through 2026. Lock in rates now or wait for better terms.
SBA Loan Processing Times
SBA streamlining approval processes
Average SBA processing time dropped from 90 days to 45 days with digital applications.
DSCR Loan Popularity
No-income-verification loans surging
Real estate investors flocking to DSCR products. No tax returns needed.
MCA Regulation Tightening
Better protections for borrowers
New state regulations creating more transparency in merchant cash advance industry.
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