Commercial Lending Loan Spread Rate Update - April 8th, 2025
- CommCap Advisors
- 2 hours ago
- 2 min read
The 10-Year U.S. Treasury has dropped 15 basis points from this time last month but is up 19 basis points from just a few days ago. Uncertainty remains high in both the stock and bond Panic has gripped global financial markets following President Trump’s announcement of reciprocal tariffs on countries that impose tariffs on the U.S., along with a new baseline tariff rate of 10%. In response, the S&P 500 has dropped more than 400 points, pushing the index close to bear market territory. Initially, the 10-Year U.S. Treasury yield fell 37 basis points on the news but has since reversed course, rising 38 basis points to reach 4.25%. While many expected the market selloff to push Treasury yields lower, that hasn’t been the case thus far. The uncertainty surrounding these new trade policies is leading lenders to exercise caution by widening spreads to account for the added risk. Both investors and lenders are now waiting for further clarity on whether the tariffs are here to stay or simply a tool for negotiation.
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 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.
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