Unemployment sits at 4.3%. That's a tight labor market — workers have leverage, wages are sticky, and turnover is expensive. Here's what it means for your week.
The Federal Funds Rate at 3.6% pushes the Prime Rate to 6.6%. A $100,000 business line of credit drawn in full is costing $717/month in interest. A 5-year $250,000 SBA loan runs around $4,800–$5,200/month at current rates. If you're floating variable-rate debt, that cost is not coming down quickly.
WTI crude at $71.87/barrel is sitting in a comfortable range. No major disruption to logistics or energy costs expected this week.
Track the 10-year Treasury yield on the USBaseline dashboard. Any sustained move above 4.75% means tighter credit ahead. A break below 4% would be the first real signal that borrowing costs are easing. Wall Street signals from BlackRock, Goldman, and 8 other major institutions are updated daily.
Bottom line: Inflation is still the dominant force. Protect margins, fix your borrowing costs, and build cash before the next move.
Data sourced from FRED (Federal Reserve Bank of St. Louis), BLS, and U.S. Treasury. For informational purposes only — not financial advice. Privacy Policy · Disclaimer