Insights
Rates & lending conditions
Rates
Interest rate vs. interest cost: what your loan really costs
A lower rate isn't always cheaper. How to compare total interest, fees and interest coverage before you choose a loan.
Rates
What Fed rate moves mean for small business borrowers
The Fed doesn't set your loan rate. How a policy change travels to your benchmark, your reset date and your payment — and what to check first.
Rates
Fixed vs. variable-rate business loans: how to choose
A fixed rate buys certainty; a variable rate can start lower. How to compare them with breakeven math, reset schedules, floors and caps.
Rates
Prime rate vs. the federal funds rate: what borrowers should know
Prime and the federal funds rate are related but different. Which one your loan uses, how they move together and why it matters.
Rates
SBA 7(a) loans: fixed vs. variable rates
SBA 7(a) loans can be fixed or variable. How SBA maximum rates work, what lenders choose within them and what to ask before you sign.
Rates
How to Compare Business Loan Offers
Compare business loan offers by total cost, fees, effective APR, payment, timing and terms, plus the questions to ask each lender before you sign.