Industry Guides
CPA Firm GuideDental Practice Guide409A Valuation GuideHVAC GuideLegal Firm GuideManufacturing GuideMedical Practice GuideOptometry GuideOrthodontist GuidePlumbing GuideVeterinary GuideFinancing Guides
A/R Aging Report Guide1031 Exchange GuideLOC GuideSBA 7(a) GuideSBA 504 GuideSection 179 GuideSelling a Business
Setting an Asking PriceUsing a Business BrokerSelling a Business During DivorceSelling a Failing BusinessTransferring Intellectual PropertyPreparing an Online Business for SalePreparing for Sale, Two Years OutSelling a Business QuicklyWriting a Selling MemorandumSelling a Business Step by StepSelling a Business With DebtChanges Worth Making Before SellingAcquisition debt is quoted as a spread over a benchmark, not as a number a lender invents. The 504 debenture prices off the ten-year Treasury, and every constant maturity series below moves the quote a lender is about to hand you.
Live feed unavailable. These are reference figures for illustration and must not be quoted.
Every observation the rate service has for each maturity, with the day-over-day move alongside it. Sort any column or page through the full history.
| # | Date↓ | 5 Years↕ | 7 Years↕ | 10 Years↕ |
|---|
FRED requires an API key and does not send cross-origin headers, so a browser cannot call it directly and a key must never appear in client code. This table therefore reads from a proxy endpoint, which calls FRED server-side and caches the result. FRED publishes constant maturity Treasury series once per business day, so caching for fifteen to thirty minutes costs nothing in accuracy and avoids exhausting your rate limit.
Enter the amount you need to borrow. Each programme is priced off its own live benchmark using published maximum spreads, and amortised on the term that programme actually offers rather than a common one.
The lowest monthly payment usually belongs to whichever option amortises longest, not whichever carries the lowest rate. A 504 blend over twenty years will beat a 7(a) over ten on monthly cost while costing considerably more in total interest, and a conventional note over seven years looks expensive monthly but may be cheapest overall before its balloon. Compare total interest alongside the payment, and remember a balloon is a refinancing you have not yet arranged.
This page prices a benchmark. These take the same numbers into a full underwriting, including fees, equity injection, coverage and eligibility.