Commercial Lending Loan Spread Rate Update - Dec, 2025
- CommCap Advisors
- 47 minutes ago
- 2 min read
The Federal Reserve’s quarter-point rate cut at the end of 2025 has strengthened market sentiment as investors head into the new year. With the federal funds rate now in the 3.50%–3.75% range, borrowing costs have begun to ease following three years of elevated volatility. Treasury yields moved lower following the decision, reflecting expectations for improved stability in 2026 as inflation continues to moderate and labor market conditions cool. While delayed federal data has added uncertainty to the outlook, the shift toward more accommodative policy is expected to support pricing clarity, narrow bid-ask spreads, and encourage renewed capital deployment. The Fed signaled it may pause additional cuts as it evaluates incoming economic indicators, but the latest move offers a constructive backdrop for investors, lenders, and owners entering the new year.
As yields fluctuate, "current rates" quickly become obsolete. However, spreads remain applicable and fitting to deal characteristics. Though rates are important, having a well articulated and defined debt plan matching your long-term investment plan is vital. The experts at NAI CommCap are here to help you understand goals and navigate the current market providing access to multiple lending sources, early rate-locks, cash out refinancing, and more.
As your exclusive advisors, CommCap utilizes proprietary systems, market expertise, and years of experience to secure aggressive financing options that best fit your property. Exclusive correspondent and servicing relationships with Life Insurance Company, CMBS, and Agency lenders ensure a broad and in-depth representation of current market conditions. Our team of advisors craft a loan structured to enhance revenue and allow you to focus on increasing cash flow.
We do not list, sell, manage, or lease property. We only arrange financing and are the best at what we do.
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