The lending landscape: From dormancy to opportunity

Published on August 1, 2025

The end of the zero-low interest rate era in the US and Canada led to a significant cooling in both the secured and unsecured lending markets. However, the lending market is now poised for a quick revival as the Fed's target rate sits at 4.25%-4.50% after several cuts in late 2024 - with a projected 50-bps cut coming in 2025. Meanwhile, the Bank of Canada has dropped its rate to 3.25% as of December 2024. These measures are expected to stimulate lending activity - and financial institutions will soon find themselves in a pre-2008-esque…

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