Short term financing - less than one year

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by a professional from Northwestern University - Kellogg School of Management
in Southborough, MA, USA

2yrs ago

Short term financing - less than one year

What are people seeing for rates right now for short term debt?

I have a financing company that I'm looking at, and they essentially finance certain events and premiums that last less than 10 months.

It's a pure arbitrage play against what they can charge their customers and what their lenders are charging them.

What would you guess they're paying for interest on their short term debt?

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reply by an intermediary 2yrs ago
from Creighton University in Los Angeles, CA, USA

At least in SBA terms, most loans are being offered around prime + 2%. If you're a strong borrower, it could even be under prime. P.S. I've built an automated loan broker which is why I know where the market is today.

reply by a lender 2yrs ago
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA

It really depends on what type of debt they are securing. If they have more traditional bank operating lines of credit those are typically priced at Prime to Prime plus 1.00%. With Prime at 8.50% that puts interest rates in the range of 8.50% to 9.50%. Financing companies do not qualify for SBA lending so if it is a true financing company then you cannot secure SBA financing. If you are using non-bank lenders offering lines of credit you can be in the 10:00% to high teens depending on who is providing the financing. If you have additional questions you can reach me at redacted Good luck.