Many people ask about interest rates — and the truth is, they’re a personal thing. Your rate depends on your credit, your business health, and the type of loan you choose. Because we offer such a wide variety of lending options, there’s no single number that fits everyone. Each product has its own range. With stronger credit and healthy bank statements, you’ll typically see better terms. For example, our Syndicated Line of Credit (SLOC) offers 0% interest for the first 12–18 months for those with credit scores above 680, and even after that period, the rates remain competitive. Our Business Line of Credit (BLOC) programs are similar to traditional bank-issued credit lines — flexible, steady, and backed by real lenders. Alternative options can be slightly higher, but they’re often far more accessible for those who don’t qualify through banks.

Business loans are typically short-term — one, two, maybe three years — so your strategy makes all the difference. Paying down your balance early, especially during a 0% promotional period, can save you significantly. The only loans to be cautious about are the fast “factor rate” loans (1.1, 1.2, 1.3, etc.). They serve a purpose but aren’t ideal for everyone. When you apply with us, your credit isn’t impacted, and the underwriters determine the actual rates based on your qualifications.