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MITEY research edition U.S. focus / dated source records
p.Private LendingTHE RATE DESK / BY MITEYExplore my options ↗

THE U.S. RATE DESK

Published numbers.
In proper context.

Explore 18 reviewed programs. Filter by financing type and price definition; keep up to four side by side.

Source review 2026-10-23. This differs from the provider’s effective date. Fees, geography and underwriting apply.

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Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.

01 · AI-assisted, source-linked research02 · Compare the whole cost, beyond the rate03 · Free tools, no credit check to enquire

We aim to help you seek competitive terms. Rates and options depend on the provider, product and your circumstances. A request is not a loan application, approval or guaranteed rate. Any provider introduction requires confirmed availability and your permission.

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About: Private loan: interest, points & exit · Private lending

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18 program records

Fix & flipReview due
Kiavi ↗

Bridge / fix & flip

From 8.25%

Posted annual interest · starting rate · not APR

Terms
12, 18 or 24 months; interest-only options.
Fees
Complete origination and third-party charges require a quote.

Investor property; underwriting and geography apply. Headline and FAQ show differing amount/leverage ranges; confirm the specific program.

Checked 2026-10-23
Review due 2026-10-30
Source & details ↗
DSCR & rentalReview due
Kiavi ↗

DSCR rental

From 6.375%

Posted annual interest · starting rate · not APR

Terms
30-year fixed, 5/1 and 7/1 ARMs; interest-only options.
Fees
Points, fees and prepayment structure require an individual quote.

Posted starting interest depends on loan terms, borrower qualifications, LTV and property factors; non-owner-occupied rentals only. Not an APR or locked quote. The footer identifies Figure Lending LLC dba Figure as rental originator/funder effective September 1, 2026; this is not a price-effective date.

Checked 2026-10-23
Review due 2026-10-30
Source & details ↗
Ground-up constructionSource reviewed
Kiavi ↗

New construction / infill

Quote required

No numerical rate recorded

Terms
Project-specific draw and maturity terms.
Fees
Quote required.

A construction program is verified; no numerical starting rate is recorded from this review.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
Fix & flipReview due
New Silver ↗

Fix & flip

8.5%–11%

Posted annual interest · range · not APR

Terms
Up to 18 months; $100,000–$5,000,000.
Fees
Product table: origination 1–1.75%; other costs may apply.

Product table lists FICO 650, up to 90% LTC and 75% ARV. Eligibility and state availability require confirmation.

Checked 2026-10-23
Review due 2026-10-30
Source & details ↗
DSCR & rentalReview due
New Silver ↗

DSCR rental

From 6%

Posted annual interest · starting rate · not APR

Terms
30-year fixed; $150,000–$3,000,000.
Fees
Product table: origination 0–1.5%; summary cards elsewhere show 0–2%. Confirm in quote.

Product table lists FICO 660, DSCR 0.75 and up to 80% LTV. A starting rate can require additional conditions.

Checked 2026-10-23
Review due 2026-10-30
Source & details ↗
Ground-up constructionSource reviewed
New Silver ↗

Ground-up construction

9.75%–11.25%

Posted annual interest · range · not APR

Terms
18 months; $100,000–$5,000,000.
Fees
Origination 1–2%; additional closing costs are separate.

Product table lists FICO 650, up to 90% LTC and 75% ARV. Confirm draw conditions.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
Rental portfoliosSource reviewed
CoreVest ↗

Rental portfolio financing

Quote required

No numerical rate recorded

Terms
Program-specific term sheet required.
Fees
Quote required.

Availability of a portfolio program is not a numerical rate quote.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
MultifamilySource reviewed
CoreVest ↗

Multifamily term / bridge

Quote required

No numerical rate recorded

Terms
Bridge and term programs have different maturities.
Fees
Quote required.

Review property stabilization, NOI, reserves and guaranties with the lender.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
Ground-up constructionSource reviewed
CoreVest ↗

Ground-up / build-to-rent

Quote required

No numerical rate recorded

Terms
Construction and stabilized financing are distinct stages.
Fees
Quote required.

No conversion approval or fixed rate is inferred.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
DSCR & rentalSource reviewed
RCN Capital ↗

Long-term investor finance

Quote required

No numerical rate recorded

Terms
Request the precise long-term product terms.
Fees
Quote required.

A program description is not confirmation of borrower eligibility.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
Equipment financeSource reviewed
SMB Compass ↗

Equipment financing

From 7.99%

Posted annual interest · starting rate · not APR

Terms
$25,000–$5,000,000; up to 10 years.
Fees
Fees and actual creditor require confirmation.

Reviewed table lists credit 600+, at least one year in business and $300,000 annual revenue. Underwriting applies.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
Asset-based lendingSource reviewed
SMB Compass ↗

Asset-based financing

From 5.25%

Posted annual interest · starting rate · not APR

Terms
Collateral-based availability; specific facility terms required.
Fees
Audits, collateral and facility charges require a quote.

Starting rate is from the financing intermediary’s product page. Not a market average or named creditor commitment.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
Invoice factoringSource reviewed
SMB Compass ↗

Invoice financing

Quote required

No numerical rate recorded

Terms
Collection and customer-credit dependent.
Fees
Request fee base, periods, advance and reserve terms.

No numerical lender fee is recorded. Illustrative calculator defaults are not this provider’s prices.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
Business term loansSource reviewed
OnDeck ↗

Business term loan

53.2% average APR

Historical average APR · Half-year ending 2026-06-30

Terms
$5,000–$400,000; up to 24 months.
Fees
Origination and early-payoff conditions vary.

Published average APR for originations in the half-year ending June 30, 2026. Not a current starting rate. Some loans issued by Celtic Bank.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
Business lines of creditSource reviewed
OnDeck ↗

Business line of credit

59.8% average APR

Historical average APR · Half-year ending 2026-06-30

Terms
$6,000–$200,000; 12, 18 or 24 month options.
Fees
Minimum draw and other agreement charges apply.

Published average APR for the half-year ending June 30, 2026; not a personalized or current offered rate.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗
Business lines of creditSource reviewed
Fundbox ↗

Embedded draw-based line

Quote required

No numerical rate recorded

Terms
Terms vary by platform; each draw has its own payment schedule.
Fees
Reviewed page says no origination fee; obtain complete draw fee schedule.

Page headline and FAQ list different term options; some are partner-only. Do not infer one universal direct-borrower product.

Checked 2026-10-23
Review due 2026-11-23
Source & details ↗

Your program comparison.

Interest and historical APR have different definitions. This table preserves each basis and date; it does not rank the cheapest eligible loan.