Have a question on commercial interest rates…hope y’all can help.
Is there a rule of thumb on commercial loan (conventional or SBA) interest rates as it’s compared to the 30-yr or 15-yr fixed. For example if the 30-yr fixed is at 5.5% you would add 1% for commercial loans. 

Only reason I ask is it’s more readily available to find out those interest rates than a commercial loans rate.
[{"id": "izd1fuu", "text": "Conventional (not hard $) around prime plus 200 or so bps (2%)", "replies": [], "depth": 1}, {"id": "izd6cyu", "text": "Conventional would be around 10 year  +1-2% and sba around prime +2-3%\n\nThere's so many other factors in the loan though, what is for? Equipment? Real estate? Working capital? That'll determine 10/10 or 10/25.\n\nRelationship with Bank also matters. Variance is high throughout", "replies": [{"id": "izhcnut", "text": "Real estate and would be doing SBA 504", "replies": [{"id": "izhxv77", "text": "So owner occupied 504... im closing at 6.25% this month. But this is a low ltv (60%) and he had to park additional 100k at the bank", "replies": [], "depth": 3}], "depth": 2}], "depth": 1}, {"id": "izegnt9", "text": "Regional bank:\n\nCost of funds + 2% is what we advertise, and in a competitive situation can go to +1%, but we\u2019d need strong deposit relationship to get there (operating account and other services)\n\nWe use WSJ Prime and/or FHLB Curve for our basis", "replies": [], "depth": 1}, {"id": "izh0pj0", "text": "Thank you all for the input! Helps a lot!", "replies": [], "depth": 1}, {"id": "izmtlxz", "text": "I\u2019m a conventional lender but if you\u2019re interested in SBA, I have a colleague who\u2019s a good national SBA lender. Let me know if you\u2019re interested in an introduction.", "replies": [], "depth": 1}, {"id": "izogn8a", "text": "It will be very difficult to find 30 year fixed rate commercial mortgages. Typically the rates for commercial mortgages will be 3, 5, 7, 10 or 15 year fixed rates with adjustment periods and possibly balloon (higher rate typically for longer fixed period). SBA 7a will most typically have adjustable rates and SBA 504 will typically have a different fixed rates period for the 1st and 2nd.\n\nI am work for a nationwide CRE lender (conventional + SBA). PM me if you\u2019re interest in getting an LOI/quote.", "replies": [], "depth": 1}]