MATTHEWS™Capital Markets
Current market indicative terms across every major commercial real estate program — reflecting active lender appetite for high-quality sponsorship and assets.
Live rates
Index rates that underpin every financing program on the sheet below — pulled fresh from the Federal Reserve.
SOFR
3.64%
3YR UST
3.80%
5YR UST
3.91%
7YR UST
4.09%
10YR UST
4.30%
Prime
6.75%
Source: Federal Reserve (FRED) · As of April 22, 2026
Every program
Indicative terms across seven capital sources. Find the program that fits your deal.
Conventional
| Terms | Bank / CU Conventional | Life Co. | CMBS | Bridge | Mezz / Pref** | USDA | C-PACE |
|---|---|---|---|---|---|---|---|
| Max LTV / LTC | 70% | 65% | 68% | 80% | 85% | 80% | 35% |
| Min DSCR | 1.25x | 1.50x | 1.35x | <1.00x | <1.00x | 1.25x | N/A |
| Loan Term | 3–10 Yrs | 3, 5, 7, 10 Yrs | 5, 10 Yrs | 3+1+1 Yrs | Cotermous w/ Sr. | 30 Yrs | 25 Yrs |
| Amortization | 20–25 Yrs | 25–30 Yrs | 30 Yrs | 30 Yrs | None | Self Amort. | Self Amort. |
| Interest-Only | 1–2 Yrs | Partial-Term | Full-Term | 3 Yrs | Full Term | 3 Yrs | 3 Yrs |
| Index | Prime / UST | 3, 5, 7, 10YR UST | 5, 10YR UST | SOFR | Fixed Rate | Prime | 10YR UST |
| Interest Rate Range | 5.75–7.75% | 5.81–6.85% | 5.76–7.11% | 6.65–11.15% | 12.00–18.00% | 8.25–8.75% | 7.19–7.49% |
| Prepayment Penalty | Negotiable | Declining / YM | Defeasance | Negotiable | Negotiable | Declining | Declining |
| Recourse | Negotiable | Non / Partial | Non-Recourse | Non-Recourse | Non-Recourse | Non if <20% Own. | Non-Recourse |
| Ground Up Construction | Yes | Yes | No | Yes | Yes | Yes | Yes |
| Origination Fee | 0.25–1.00% | None | None | 1.00–2.00% | 1.00% | 2.80% | 1.00% |
| Exit Fee | None | None | None | Negotiable | 1.00% | None | None |
** Mezzanine / Preferred Equity terms are indicative and subject to senior capital structure, sponsorship, and business plan.
Ready when you are
Reach out to structure debt that fits your deal — from acquisition to refinance to ground-up.
Luke Thompson
VP & Director, Capital Markets
Disclaimer.The information contained in this rate sheet is for informational purposes only and represents general market indications as of the date shown. Rates, spreads, and terms are indicative, vary by transaction, and are subject to change without notice based on market conditions, sponsorship, property-level performance, and lender underwriting. This material does not constitute an offer, commitment, or solicitation to lend. All loans are subject to credit approval and customary closing conditions. Matthews Real Estate Investment Services™.