How Fluctuating Interest Rates Influence Your Loan

[Karen Schimpf]

The 10-year Treasury yield is emerging as 2025's crucial economic indicator, potentially outweighing Fed interest rates in importance. Key influences on the yield: • Inflation expectations • Economic growth outlook • Fed policy decisions • Geopolitical events • National debt levels Current outlook: • Yield at 4.5%, above historical 4.25% average • Moody's projects 4.3% stabilization • Fed signals fewer rate cuts than expected Impact: • Directly affects business and household borrowing costs • Serves as benchmark for mortgage rates • Reflects investor confidence and economic sentiment Risk factors: • Potential Trump tariffs (up to 60% on China) • Inflation concerns above 3% • Growing national debt ($36+ trillion) • Labor market strength affecting wage growth The yield's movements in 2025 will significantly shape borrowing costs and economic conditions for businesses and consumers.

Give us a call today at 512-354-5949 to discuss your commercial finance needs or click here get started by filling out this form! Karen Schimpf (512) 358-1511 [email protected] www.ApplyCommercialLoans.com  P.S. We help your business secure $150,000+ in working capital for restaurants, retail, hotels, IT companies, assisted living facilities, and medical practices. Whether you’re expanding, managing inventory, or covering unexpected expenses, we provide tailored solutions to keep your business thriving. Call me today to access the funding you or your clients need at 512-358-1511! P.P.S A daycare owner I helped refinance $1.8MM is now saving nearly $5,000 a month by switching from an 11.25% SBA 7A loan to a 7.25% SBA 504 loan. That’s pure profit—like earning an extra $5,000 in revenue monthly! Could you or your clients benefit from similar savings? Let’s crunch the numbers and see how refinancing could work for you. Give me a call today at 512-358-1511 and let’s lower your payment! P.P.S- Approved Commercial Correspondent Loan Broker | Help with SBA Loan, restaurant loan, foreign national loan, apartment loan, private money loan. I've assisted countless clients in obtaining financing for their commercial endeavors nationwide. Whether you're aiming to acquire, refinance, or expand your business or properties, rest assured, I possess the knowledge and resources to deliver customized commercial financing solutions perfectly suited to your individual requirements. Give me a call today at 512-358-1511 or schedule a 15 or 30-minute phone call directly on my calendar at a time that works for you. You can do so HERE https://calendly.com/karenschimpf/15min