Rates
  • Prime rate7.00%
  • Fed funds target3.75–4.00%
  • SOFR3.89%▲ 0.01
  • EFFR3.88%▬ 0.00
  • 2-yr Treasury4.79%
  • 5-yr Treasury5.00%
  • 10-yr Treasury5.21%
  • 30-yr Treasury5.56%
  • Official rates as of Oct 13, 2026
Sources

Benchmark rates for reference only. They are not offers or quotes. Funding Today is a broker and doesn’t set rates; merchant cash advances are priced by each funder, usually with a factor rate.

Prime rate: the rate most major U.S. banks set at 3 percentage points above the top of the Federal Reserve’s federal funds target range. Fed funds target, EFFR and SOFR: Federal Reserve Bank of New York. Treasury yields: U.S. Treasury daily par yield curve rates. On wide screens, market quotes are provided by TradingView and may be delayed.

The EFFR and SOFR are subject to the Terms of Use posted at newyorkfed.org. The New York Fed is not responsible for publication of the EFFR and SOFR by Funding Today, does not sanction or endorse any particular republication, and has no liability for your use. SOFR data are calculated using data provided under a license granted to the New York Fed by DTCC Solutions LLC; DTCC Solutions, its affiliates and third parties from which they obtained data have no liability for the content of this material. Funding Today is not affiliated with the New York Fed, which does not sanction, endorse or recommend any products or services offered by Funding Today.

About Funding Today

We help business owners see every option before they sign

Funding Today is a business funding broker. We take one application, shop it to independent funders in our network and lay their offers side by side, so you can choose with the full cost in front of you.

  • No cost to apply
  • No hard credit inquiry to check your options
  • No obligation to accept
Our team

The people behind Funding Today

Real people review every request, answer the phone during business hours and walk owners through each offer before anything is signed.

Leadership

Craig Wilber

Director of Operations

Craig runs the engine room. He oversees how every request moves through Funding Today, from the first review to the day funds land, and keeps our funder relationships organized so each file reaches the right desk. He brings years of experience in business funding and customer service, and he measures success simply: no file sits idle and no owner is left wondering what happens next.

  • Operations
  • Funder relationships
  • Keeping files moving

Funding advisors

Stephanie Blake

Funding Advisor

Stephanie turns fine print into plain English. With years of experience in customer service and business funding, she walks owners through each offer line by line: the total payback, the payment schedule, every fee and the early payoff terms. If something in an offer doesn’t add up, she’ll point it out before you sign, not after.

  • Offer walkthroughs
  • First-time applicants
  • Comparing total cost

Jacob Cruz

Funding Advisor

Jacob believes the fastest file is a complete one. He brings years of experience in business funding and customer service, and he’ll tell you up front exactly what funders need, from the right months of bank statements to the details that keep a request from stalling. When timing matters, that preparation is what keeps a decision moving.

  • Complete, fast files
  • Bank statement prep
  • Time-sensitive needs

Cesar Millan

Funding Advisor

Cesar starts every conversation with what the money needs to do. With years of experience in customer service and business funding, he looks at your deposits, any advances you already carry and the payment your cash flow can comfortably handle. If an advance isn’t the right fit, he’ll say so and point you toward options like bank or SBA financing.

  • Right-sized funding
  • Existing advances
  • Other options when they fit

Want to talk with someone now? Call (833) 632-3050 during business hours, or apply online any time.

Why we exist

Fast funding shouldn’t mean signing blind

A merchant cash advance can put money in your account within days. The trade-off is that it’s priced with a factor rate and repaid through fixed daily or weekly payments, which makes one offer hard to compare with another. Many owners see a single offer, under time pressure, with the real cost buried in the contract.

Funding Today exists to change that. One application reaches several funders at once. We translate each offer into the numbers that matter, total payback, payment size and schedule, fees and early payoff terms, and we’re honest when an advance isn’t the right tool for what you need.

Our goal is simple: when you sign, you should know exactly what you’re agreeing to and why it’s the best option you were offered.

What we stand for

Four promises we make to every business owner

Transparency first

For every offer you’ll see the total payback, the payment amount and schedule, and any fees before you decide.

Your decision, every time

We lay out the options and explain the trade-offs. Whether, when and with whom you sign is always up to you.

Fit over volume

If an advance would strain your cash flow, we’ll say so, and point you toward options like SBA or bank financing when they make more sense.

Privacy by default

Your details go only to funders reviewing your request. We never sell them to marketing lists or data brokers.

How a broker works

We work between you and the funders, not instead of them

Funding Today isn’t a lender. We don’t advance money, make credit decisions or set prices. Our job is to find the funders whose guidelines fit your business and help you compare what they offer.

Your businessOne short application and a few months of bank statements
Funding TodayReviews your request, matches it to funders and compares offers
Funders in our networkReview your file, make offers and fund the one you choose

What we do

  • Review your request with you and confirm what you need
  • Present it to funders whose guidelines fit your business
  • Explain each offer in plain terms and compare total cost
  • Stay with you until the funder you choose has funded

What we don’t do

  • Lend money, make credit decisions or set rates
  • Charge you an application or upfront broker fee
  • Promise approval, a specific amount or a specific price
  • Pressure you to sign, or share your details with marketing lists

How we’re paid: if you accept an offer, the funder pays Funding Today a commission. Where state law requires it, that compensation is disclosed with the offer. Any agreement you sign is directly between your business and the funder.

At a glance

Funding Today in six facts

Business funding brokerNot a lender; funders make every decision
$10K to $2MTypical merchant cash advance amounts
49 states + DCWe don’t currently work with California businesses
Apply online 24/7Or talk with an advisor during business hours
No upfront feesPaid by the funder you choose, only if you accept
Your data stays privateShared only with funders reviewing your request
Next step

See what funders could offer your business

It takes a few minutes. Keep your last 3 to 4 months of business bank statements handy.

Funding Today is a broker, not a lender. Approval, amounts, pricing and timing are set by each funder and aren’t guaranteed.