{"id":23185,"date":"2026-02-28T19:07:51","date_gmt":"2026-02-28T19:07:51","guid":{"rendered":"https:\/\/infinpros.com\/?p=23185"},"modified":"2026-02-28T19:07:52","modified_gmt":"2026-02-28T19:07:52","slug":"what-are-current-unsecured-business-loan-interest-rates","status":"publish","type":"post","link":"https:\/\/infinpros.com\/?p=23185","title":{"rendered":"What Are Current Unsecured Business Loan Interest Rates?"},"content":{"rendered":"<div id=\"\">\n    <div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\">\n        \n    <\/div>\n\n            <p>\n            Images by Getty Images; Illustration by Issiah Davis\/Bankrate\n        <\/p>\n    <\/div><div>\n        \n        <div id=\"block_9b24080721207c12b7a0f72b34c23fb3\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore -->\n\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/>\n    <\/h2>\n    <!-- htmlmin:ignore -->\n\n    <ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n                    <li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Unsecured loans aren\u2019t backed by collateral, making them a higher risk for lenders.\n                                                <\/li>\n                    <li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Unsecured business loan rates vary, ranging from 7% to 75% APR.\n                                                <\/li>\n                    <li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            With good credit, you could secure a low interest rate on an unsecured loan \u2014 between 7% and 8% APR.\n                                                <\/li>\n            <\/ul>\n<\/div>\n\n\n\n\n<p>Interest rates on unsecured business loans can range anywhere from 7% to 75% APR, depending on the type of loan you choose, the lender and your business\u2019s credit profile. It\u2019s possible to get low interest rates on an unsecured business loan, such as 7% to 8% APR, if your business has good credit.<\/p>\n\n\n\n\n\n\n\n<p>But lenders typically offer higher rates for unsecured versus secured business loans since unsecured loans aren\u2019t backed by collateral. These loans pose a higher risk to lenders because lenders cannot immediately seize business assets to recover the loan in the event of default.<\/p>\n\n\n\n\n\n<p>Below, you\u2019ll find current unsecured business loan rates for different unsecured business loans and what to look for when comparing loans.<\/p>\n\n\n\n\n<h2 id=\"costs\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Understanding business loan costs\" data-outcome=\"\">Understanding business loan costs <\/h2>\n\n\n\n\n<p>The cost of a business loan is directly affected by interest rates, the amount borrowed and the repayment period. The higher the interest rate, the more you\u2019ll pay to borrow that money.\u00a0<\/p>\n\n\n\n\n\n<p>Lenders charge interest rates in different ways, but an annual percentage rate is the most common and most accurate picture of the total cost. Types of interest rates lenders use:<\/p>\n\n\n\n\n<ul class=\"wp-block-list\">\n<li>\n<strong>Annual percentage rate: <\/strong>The APR uses a percentage to calculate the interest on the loan amount agreed upon. It incorporates fees into its calculation, so the APR may be slightly higher than the interest rate in your loan agreement.<\/li>\n\n\n\n<li>\n<strong>Simple interest: <\/strong>Some lenders charge a simple interest rate, which means that it shows the interest rate you\u2019ll pay without incorporating fees. The actual cost of the loan will exceed this rate.<\/li>\n\n\n\n<li>\n<strong>Monthly or weekly fee: <\/strong>In some cases, the lender will charge a flat fee or percentage of your outstanding balance either weekly or monthly.<\/li>\n\n\n\n<li>\n<strong>Factor rate: <\/strong>This rate uses a decimal like 1.10 or 1.40 rather than a percentage. The decimal gets multiplied by the entire loan amount at the beginning of the loan. Factor rates often convert to high interest rates. Make sure you understand the total loan cost before signing for a loan with factor rates.<\/li>\n<\/ul>\n\n\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n    <div class=\"card-body border-l-4 border-blue-800\">\n                    \n                <div class=\"content-wrapper\">\n                            <p>\n                    Fixed vs. variable interest rates\n                <\/p>\n                        <div class=\"content wysiwyg wysiwyg--flush\">\n                \n<p>Unsecured business loans can come with either fixed or variable interest rates. Fixed rates keep the interest rate the same for the entire length of your loan. This type of rate helps with budgeting since the cost doesn\u2019t change over time.<\/p>\n\n\n<p>However, variable interest rates often start out with lower rates upfront than fixed rates. The downside is that they may be raised at any time, at the lender\u2019s discretion, typically as market conditions change.<\/p>\n\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 id=\"rates\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Current unsecured business loan interest rates\" data-outcome=\"\"><strong>Current unsecured business loan interest rates<\/strong><\/h2>\n\n\n\n\n<p>Consult this chart for a better idea of the interest rates you\u2019ll find based on the type of unsecured business loan and lender.<\/p>\n\n\n\n\n<div class=\"w-full overflow-x-auto\"><table class=\"wp-block-table has-fixed-layout wrapped\">\n<thead><tr>\n<th><strong>Loan type<\/strong><\/th>\n<th><strong>Average interest rates<\/strong><\/th>\n<\/tr><\/thead>\n<tbody>\n<tr>\n<td><strong>Term loans<\/strong><\/td>\n<td>Bank: average 7.10% to 7.76% <br\/>Online lender: 9.00% to 75.00% <\/td>\n<\/tr>\n<tr>\n<td><strong>Business lines of credit<\/strong><\/td>\n<td>Bank: average 6.99% to 7.91% <br\/>Online lender: 6.00% to 57.00% <\/td>\n<\/tr>\n<tr>\n<td><strong>Business credit cards<\/strong><\/td>\n<td>\n17.49% to 28.99% <\/td>\n<\/tr>\n<tr>\n<td><strong>SBA loans<\/strong><\/td>\n<td>Fixed rate: 11.75% to 14.75%<br\/>Variable rate: 9.75% to 13.25%<\/td>\n<\/tr>\n<tr>\n<td><strong>Invoice factoring<\/strong><\/td>\n<td>0.5% to 4% factoring fee<\/td>\n<\/tr>\n<tr>\n<td><strong>Merchant cash advances<\/strong><\/td>\n<td>Factor rate: 1.04 to 1.32<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n\n\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n    <div class=\"card-body border-l-4 border-blue-800\">\n                    \n                <div class=\"content-wrapper\">\n                            <p>\n                    Pay attention to the fed rate\n                <\/p>\n                        <div class=\"content wysiwyg wysiwyg--flush\">\n                \n<p>The Federal Reserve Bank left rates unchanged in January 2026, maintaining the target federal funds rate of 3.5% to 3.75%. The central bank has dropped rates six times since September 2024, and the current rate is 1.75 percentage points lower than its post-pandemic peak.<\/p>\n\n\n<p>Experts are predicting additional cuts in 2026, but the FOMC has adopted a cautious, \u201cwait and see\u201d approach as inflation indicators remain stubbornly high. The next scheduled meeting will happen in March 2026.<\/p>\n\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3>Unsecured term loans<\/h3>\n\n\n\n\n<p>Some unsecured term loans come with either a low loan amount or short repayment terms to offset the risk of not having business assets tied to the loan.<\/p>\n\n\n\n\n\n<p>Since features differ among lenders, compare the unsecured business loan interest rates and terms that these lenders set.<\/p>\n\n\n\n\n<div class=\"w-full overflow-x-auto\"><table class=\"wp-block-table has-fixed-layout wrapped\">\n<thead><tr>\n<th><strong>Lender<\/strong><\/th>\n<th><strong>Interest rates<\/strong><\/th>\n<th><strong>Details<\/strong><\/th>\n<\/tr><\/thead>\n<tbody>\n<tr>\n<td>Bank of America<\/td>\n<td>From 6.50% APR<\/td>\n<td>Loan amounts from $10,000<br\/>1- to 5-year terms<br\/>$150 origination fee<\/td>\n<\/tr>\n<tr>\n<td>Fora Financial<\/td>\n<td>Not stated<\/td>\n<td>Loan amounts from $5,000 to $1.5 million<br\/>Terms up to 18 months<br\/>Eligible for additional funding after 60% repaid<\/td>\n<\/tr>\n<tr>\n<td>National Funding<\/td>\n<td>1.11+ factor rate<\/td>\n<td>Loan amounts from $5,000 to $500,000<br\/>18-month terms<br\/>1% to 3% origination fee<br\/>660 min. credit score<\/td>\n<\/tr>\n<tr>\n<td>PNC Bank<\/td>\n<td>Not disclosed<\/td>\n<td>Loan amounts from $10,000 to $100,000<br\/>Terms up to 5 years<\/td>\n<\/tr>\n<tr>\n<td>Triton Capital<\/td>\n<td>8.99% to 74.99% APR<\/td>\n<td>Loan amounts from $10,000 to $250,000<br\/>6- to 24 -month terms<br\/>1% to 2.5% origination fee<\/td>\n<\/tr>\n<tr>\n<td>U.S. Bank<\/td>\n<td>From 7.99% APR<\/td>\n<td>Loan amounts up to $50,000<br\/>Terms up to 4 years<br\/>1% prepayment fee (between $50 and $100) if loan repaid in first year<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n\n\n\n<h3>Unsecured business lines of credit<\/h3>\n\n\n\n\n<p>A business line of credit provides a way for businesses to access funding as expenses crop up. The lender sets a credit limit based on the business\u2019s ability to repay, and the business repays any amounts drawn over a set repayment term, such as one to two years.<\/p>\n\n\n\n\n\n<p>Some banks will set a lower maximum credit limit, like $100,000, for unsecured lines compared to secured lines. Take a look at what traditional banks and online lenders offer for this type of unsecured loan.<\/p>\n\n\n\n\n<div class=\"w-full overflow-x-auto\"><table class=\"wp-block-table has-fixed-layout wrapped\">\n<thead><tr>\n<th><strong>Lender<\/strong><\/th>\n<th><strong>Interest rates<\/strong><\/th>\n<th><strong>Details<\/strong><\/th>\n<\/tr><\/thead>\n<tbody>\n<tr>\n<td>Bank of America<\/td>\n<td>From 8.25% <\/td>\n<td>Credit limits from $10,000<br\/>Renews annually<br\/>No draw fees<\/td>\n<\/tr>\n<tr>\n<td>Bluevine<\/td>\n<td>From 7.80% simple interest<\/td>\n<td>Credit limit up to $250,000<br\/>Up to 12-month repayment term<\/td>\n<\/tr>\n<tr>\n<td>Credibly<\/td>\n<td>3.00% to 5.00% monthly interest rate<\/td>\n<td>Credit limit up to $300,000<br\/>Offered through lending partners<br\/>May pay an origination fee<\/td>\n<\/tr>\n<tr>\n<td>Fundbox<\/td>\n<td>4.66% to 8.99% amortized weekly fee<\/td>\n<td>Credit limit from Up to $150,000<br\/>12- to 24-week terms<br\/>Accessible to fair credit and low-income borrowers<\/td>\n<\/tr>\n<tr>\n<td>Lendio<\/td>\n<td>8.00% to 60.00%<\/td>\n<td>Credit limits from $1,000 to $500,000<br\/>6 to 18-month terms<br\/>Works well for startups and bad credit borrowers<\/td>\n<\/tr>\n<tr>\n<td>PNC Bank<\/td>\n<td>Not stated<\/td>\n<td>Credit limits from $20,000 to $100,000<br\/>$175 annual fee<br\/>Payments equal 1.5% of balance (or $100 minimum)<\/td>\n<\/tr>\n<tr>\n<td>Wells Fargo<\/td>\n<td>From 8.75% <\/td>\n<td>Credit limits from $10,000 to $150,000<br\/>SBA line of credit option<br\/>Annual fee of $95 or $175 (waived first year)<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n\n\n\n<h3>Business credit cards<\/h3>\n\n\n\n\n<p>Business credit cards offer a solid option for smaller purchases while letting the business owner earn rewards. Perks vary, including cards with no annual fee and the option to earn cash back on qualifying purchases.<\/p>\n\n\n\n\n\n<p>Fair and bad credit borrowers can find credit-building options, though most unsecured business credit cards need a strong credit score of 670 or higher.<\/p>\n\n\n\n\n\n\n\n\n<h3>Invoice factoring<\/h3>\n\n\n\n\n<p>Invoice factoring is an alternative type of business financing that doesn\u2019t require collateral because it\u2019s guaranteed by the business\u2019s future invoices. Instead of interest, factoring companies charge a fee on the entire outstanding invoice amount.<\/p>\n\n\n\n\n\n<p>The fee structure may include a time window, such as invoices getting paid within 30 days, before the fees are raised or reassessed.<\/p>\n\n\n\n\n<div class=\"w-full overflow-x-auto\"><table class=\"wp-block-table has-fixed-layout wrapped\">\n<thead><tr>\n<th><strong>Lender<\/strong><\/th>\n<th><strong>Interest rates<\/strong><\/th>\n<th><strong>Details<\/strong><\/th>\n<\/tr><\/thead>\n<tbody>\n<tr>\n<td>Credibly<\/td>\n<td>Not stated<\/td>\n<td>Advances up to 95% of invoice amounts<\/td>\n<\/tr>\n<tr>\n<td>Lendio<\/td>\n<td>3.00% fee<\/td>\n<td>Advances up to $10 million<br\/>Terms up to 1 year<br\/>Works through partner lenders<\/td>\n<\/tr>\n<tr>\n<td>SMB Compass<\/td>\n<td>From 12.00%<\/td>\n<td>Loan amounts from $25,000 to $10 million<br\/>6- to 24-month terms<br\/>Funds in as little as 24 hours<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n\n\n\n<h3>Merchant cash advances<\/h3>\n\n\n\n\n<p>Merchant cash advances (MCAs) allow your business to get funding based on future credit card sales. Most MCAs assess a factor rate instead of an interest rate, which gets multiplied upfront by the entire amount borrowed.<\/p>\n\n\n\n\n\n<p>MCAs are a high-risk type of loan that businesses use if they can\u2019t get funding through a conventional business loan. That\u2019s because merchant cash advances have high approval rates as long as your business has adequate sales volume. Yet since these loans can come with steep interest rates in the triple digits, you may want to only use MCAs in an emergency.<\/p>\n\n\n\n\n<div class=\"w-full overflow-x-auto\"><table class=\"wp-block-table has-fixed-layout wrapped\">\n<thead><tr>\n<th><strong>Lender<\/strong><\/th>\n<th><strong>Interest rates<\/strong><\/th>\n<th><strong>Details<\/strong><\/th>\n<\/tr><\/thead>\n<tbody>\n<tr>\n<td>Credibly<\/td>\n<td>1.11 factor rate<\/td>\n<td>Loans up to $600,000<br\/>3- to 24-month terms<\/td>\n<\/tr>\n<tr>\n<td>Lendio<\/td>\n<td>Not stated<\/td>\n<td>Loans from $5,000 to $2 million<br\/>Terms up to 3 years<br\/>Funds in as little as 24 hours<\/td>\n<\/tr>\n<tr>\n<td>Fora Financial<\/td>\n<td>Not stated<\/td>\n<td>Loans from $5,000 to $1.5 million<br\/>Funds within 24 hours<\/td>\n<\/tr>\n<tr>\n<td>Funderial<\/td>\n<td>From 1.19 factor rate<\/td>\n<td>Loans up to $5 million<br\/>Terms up to 12 months<br\/>Accepts any credit score<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n\n\n\n<h2 id=\"get\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to get the best loan rates\" data-outcome=\"\">How to get the best loan rates<\/h2>\n\n\n\n\n<p>Loan interest rates aren\u2019t set in stone until you sign the loan agreement. Take the time to use these strategies for getting the best loan rates possible.<\/p>\n\n\n\n\n<ul class=\"wp-block-list\">\n<li>\n<strong>Improve your credit score. <\/strong>You can improve your personal and business credit score by making all payments on time for vendors, credit cards and loans. You can also take out trade credit with vendors, which allows you to buy supplies from vendors that you pay for over a few months. These tips help you establish and build your credit score.<\/li>\n\n\n\n<li>\n<strong>Offer collateral or a general lien on business assets. <\/strong>Lenders tend to offer lower interest rates for secured loans versus unsecured loans. If you have valuable assets you can use to back the loan, the lender may reward you with a lower rate.<\/li>\n\n\n\n<li>\n<strong>Get multiple quotes. <\/strong>One of the best ways to ensure you\u2019re getting the lowest rate is to prequalify for a loan from multiple lenders. You can then compare the loan features and interest rates to select the best option for your business.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"factors\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Factors that influence unsecured business loan rates\" data-outcome=\"\">Factors that influence unsecured business loan rates<\/h2>\n\n\n\n\n<p>The exact interest rates you\u2019re given for an unsecured business loan are influenced by the lender you choose, the type of loan and your business revenue, among other requirements.<\/p>\n\n\n\n<ul class=\"Accordion w-full align\">\n    <li x-id=\"['panel-lender', 'heading-lender']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-lender')\" :aria-controls=\"$id('panel-lender')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Lender\n    <\/h3>\n<!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><div class=\"Accordion-contentWrapper\" :id=\"$id('panel-lender')\" :aria-labelledby=\"$id('heading-lender')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\"><div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n\n\n\n\n<p>You\u2019re more likely to get lower interest rates with a traditional bank than with an online lender. But underwriting may take longer since the bank may need extra time and documentation to verify that your business can repay the loan.<\/p>\n\n\n\n\n\n<p>Traditional banks also tend to work with businesses with a top-notch credit history, such as a score of 670 or higher. Online and alternative lenders typically have more flexible eligibility criteria, and may be a good fit if you have a lower credit score closer to 500.<\/p>\n\n<\/div><\/div>\n<\/li>\n                                                                <li x-id=\"['panel-type-of-loan', 'heading-type-of-loan']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-type-of-loan')\" :aria-controls=\"$id('panel-type-of-loan')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Type of loan\n    <\/h3>\n<!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><div class=\"Accordion-contentWrapper\" :id=\"$id('panel-type-of-loan')\" :aria-labelledby=\"$id('heading-type-of-loan')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\"><div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n\n<p>Business lines of credit and term loans offer some of the lowest rates available for unsecured loans, provided you have good credit.<\/p>\n\n\n\n\n\n<p>If you go with a business credit card, the starting rates are higher than some business loans. Credit card APRs might be lower than or on par with other loans if you have less-than-perfect credit, especially if the card has a 0% APR offer.<\/p>\n\n<\/div><\/div>\n<\/li>\n                                                                <li x-id=\"['panel-credit-score-and-payment-history', 'heading-credit-score-and-payment-history']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-credit-score-and-payment-history')\" :aria-controls=\"$id('panel-credit-score-and-payment-history')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Credit score and payment history\n    <\/h3>\n<!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><div class=\"Accordion-contentWrapper\" :id=\"$id('panel-credit-score-and-payment-history')\" :aria-labelledby=\"$id('heading-credit-score-and-payment-history')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\"><div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n\n<p>The lowest rates are reserved for businesses with good credit, such as a score of 670+. In general, lenders keep tighter requirements for unsecured loans than secured loans to ensure that the loan gets repaid.<\/p>\n\n\n\n\n\n<p>Otherwise, you might have to go with a bad credit business loan, which charges higher rates and fees.<\/p>\n\n<\/div><\/div>\n<\/li>\n                                                                <li x-id=\"['panel-revenue', 'heading-revenue']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-revenue')\" :aria-controls=\"$id('panel-revenue')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Revenue\n    <\/h3>\n<!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><div class=\"Accordion-contentWrapper\" :id=\"$id('panel-revenue')\" :aria-labelledby=\"$id('heading-revenue')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\"><div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n\n<p>Your business\u2019s financial statements play a large role in any business loan, but especially an unsecured loan. Lenders will want to see adequate cash flow and low debt, such as a debt-to-income ratio of less than 36%.<\/p>\n\n\n\n\n\n<p>Lenders may also use the debt service coverage ratio to see how much revenue your business generates above debt repayments. It typically likes to see this ratio at 1.25 or higher, meaning that your revenue is 1.25 times that of your debt repayments.<\/p>\n\n<\/div><\/div>\n<\/li>\n                                                                <li x-id=\"['panel-fees', 'heading-fees']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-fees')\" :aria-controls=\"$id('panel-fees')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Fees\n    <\/h3>\n<!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><div class=\"Accordion-contentWrapper\" :id=\"$id('panel-fees')\" :aria-labelledby=\"$id('heading-fees')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\"><div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n\n<p>Aside from interest rates, you\u2019ll want to account for business loan fees that the lender may charge you. These fees will increase the cost of the loan. Common fees include:<\/p>\n\n\n\n\n<ul class=\"wp-block-list\"><li style=\"list-style-type: none;\"><ul class=\"wp-block-list\">\n<li>\n<strong>Origination fee. <\/strong>Usually a percentage of the loan amount like 1% or 5%, this fee is assessed for the lender processing the loan application.<\/li>\n<\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"list-style-type: none;\"><ul class=\"wp-block-list\"><li>\n<strong>Administrative or documentation fee. <\/strong>Some lenders charge these fees \u00a0to cover administrative costs related to processing the loan.<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"list-style-type: none;\"><ul class=\"wp-block-list\"><li>\n<strong>Prepayment penalty. <\/strong>This fee is sometimes charged when you pay off the loan early to offset the lender\u2019s loss in interest paid. Not every lender charges this fee, so check your loan agreement before paying off the loan early.<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"list-style-type: none;\"><ul class=\"wp-block-list\"><li>\n<strong>Draw fee. <\/strong>This fee is a percentage of the amount withdrawn from a business line of credit. It\u2019s usually charged each time you draw funds from the credit line.<\/li><\/ul><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>\n<strong>Factor rate. <\/strong>This fee is a decimal that gets multiplied by the entire loan amount instead of using an interest rate. You usually have to pay the entire fee even if you pay off the loan early.<\/li><\/ul>\n<\/div><\/div>\n<\/li>\n<\/ul>\n    \n\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n    <div class=\"card-body border-l-4 border-blue-800\">\n                    \n                <div class=\"content-wrapper\">\n                            <p>\n                    Use a business loan calculator to estimate costs\n                <\/p>\n                        <div class=\"content wysiwyg wysiwyg--flush\">\n                \n<p>To help compare loan options, consider using a business loan calculator. It can help you determine the total loan cost including interest as well as show you how the interest rate and repayment terms affect the cost. Then, you can make an informed decision about how much of a business loan you can afford.<\/p>\n\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n\n\n\n\n<p>With multiple types of unsecured loans available, interest rates can vary significantly. Unsecured business loan interest rates are generally higher compared to secured loans backed by personal or business assets. Compare offers from multiple lenders and choose a loan with the most favorable rates and terms for your business to get the best deal.<\/p>\n\n        <div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n    <div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n        <div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?\n            <div id=\"Q8boPxfCF9\" class=\"hidden\">\n        <div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n                        <p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong>\n                            Your feedback helps us improve our content and services. It takes less than a minute to\n                            complete.\n                        <\/p>\n                        <p>Your responses are anonymous and will only be used for improving our website.<\/p>\n                    <\/div>\n    <\/div>\n\n\n\n\n        <\/div>\n        <p>Help us improve our content<\/p>\n        <div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\">\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">Yes<\/span>\n            <\/button>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\">\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Down Icon<\/title><path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span>\n            <\/button>\n        <\/div>\n    <\/div>\n    <!-- Yes Form -->\n    \n    <!-- No Form -->\n    \n    <div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n        \n        <p>Thank you for your\n            feedback!<\/p>\n        <p>Your input helps us improve our\n            content and services.<\/p>\n    <\/div>\n<\/div>\n\n    <\/div>\r\n<br>Read the full article <a href=\"https:\/\/www.bankrate.com\/loans\/small-business\/average-unsecured-business-loan-rates\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a>","protected":false},"excerpt":{"rendered":"<p>Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Unsecured loans aren\u2019t backed by collateral, making them a higher risk for lenders. Unsecured business loan rates vary, ranging from 7% to 75% APR. With good credit, you could secure a low interest rate on an unsecured loan \u2014 between 7% and 8% APR. Interest<\/p>\n","protected":false},"author":1,"featured_media":23186,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23185","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Are Current Unsecured Business Loan Interest Rates? | InfinPros<\/title>\n<meta name=\"description\" content=\"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Unsecured loans aren\u2019t backed by collateral, making them a higher risk for\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/infinpros.com\/?p=23185\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Are Current Unsecured Business Loan Interest Rates? | InfinPros\" \/>\n<meta property=\"og:description\" content=\"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Unsecured loans aren\u2019t backed by collateral, making them a higher risk for\" \/>\n<meta property=\"og:url\" content=\"https:\/\/infinpros.com\/?p=23185\" \/>\n<meta property=\"og:site_name\" content=\"InfinPros\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-28T19:07:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-28T19:07:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/SMB_business-loan-interest-rates.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"News Room\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News Room\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/infinpros.com\/?p=23185#article\",\"isPartOf\":{\"@id\":\"https:\/\/infinpros.com\/?p=23185\"},\"author\":{\"name\":\"News Room\",\"@id\":\"https:\/\/infinpros.com\/#\/schema\/person\/2b4f5c7443dad71cb58764b08bd37464\"},\"headline\":\"What Are Current Unsecured Business Loan Interest Rates?\",\"datePublished\":\"2026-02-28T19:07:51+00:00\",\"dateModified\":\"2026-02-28T19:07:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/infinpros.com\/?p=23185\"},\"wordCount\":2192,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/infinpros.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/infinpros.com\/?p=23185#primaryimage\"},\"thumbnailUrl\":\"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/SMB_business-loan-interest-rates.jpg\",\"articleSection\":[\"Homes\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/infinpros.com\/?p=23185#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/infinpros.com\/?p=23185\",\"url\":\"https:\/\/infinpros.com\/?p=23185\",\"name\":\"What Are Current Unsecured Business Loan Interest Rates? | InfinPros\",\"isPartOf\":{\"@id\":\"https:\/\/infinpros.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/infinpros.com\/?p=23185#primaryimage\"},\"image\":{\"@id\":\"https:\/\/infinpros.com\/?p=23185#primaryimage\"},\"thumbnailUrl\":\"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/SMB_business-loan-interest-rates.jpg\",\"datePublished\":\"2026-02-28T19:07:51+00:00\",\"dateModified\":\"2026-02-28T19:07:52+00:00\",\"description\":\"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Unsecured loans aren\u2019t backed by collateral, making them a higher risk for\",\"breadcrumb\":{\"@id\":\"https:\/\/infinpros.com\/?p=23185#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/infinpros.com\/?p=23185\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/infinpros.com\/?p=23185#primaryimage\",\"url\":\"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/SMB_business-loan-interest-rates.jpg\",\"contentUrl\":\"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/SMB_business-loan-interest-rates.jpg\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/infinpros.com\/?p=23185#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/infinpros.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What Are Current Unsecured Business Loan Interest Rates?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/infinpros.com\/#website\",\"url\":\"https:\/\/infinpros.com\/\",\"name\":\"InfinPros\",\"description\":\"Latest Personal Finance News and Updates\",\"publisher\":{\"@id\":\"https:\/\/infinpros.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/infinpros.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/infinpros.com\/#organization\",\"name\":\"InfinPros\",\"url\":\"https:\/\/infinpros.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/infinpros.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/infinpros.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"contentUrl\":\"https:\/\/infinpros.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"width\":512,\"height\":512,\"caption\":\"InfinPros\"},\"image\":{\"@id\":\"https:\/\/infinpros.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/infinpros.com\/#\/schema\/person\/2b4f5c7443dad71cb58764b08bd37464\",\"name\":\"News Room\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/infinpros.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/03199571e9539e71e7eb7558c4619f392950645892f223ecb0fa49f2729a4284?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/03199571e9539e71e7eb7558c4619f392950645892f223ecb0fa49f2729a4284?s=96&d=mm&r=g\",\"caption\":\"News Room\"},\"sameAs\":[\"https:\/\/infinpros.com\"],\"url\":\"https:\/\/infinpros.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Are Current Unsecured Business Loan Interest Rates? | InfinPros","description":"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Unsecured loans aren\u2019t backed by collateral, making them a higher risk for","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/infinpros.com\/?p=23185","og_locale":"en_US","og_type":"article","og_title":"What Are Current Unsecured Business Loan Interest Rates? | InfinPros","og_description":"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Unsecured loans aren\u2019t backed by collateral, making them a higher risk for","og_url":"https:\/\/infinpros.com\/?p=23185","og_site_name":"InfinPros","article_published_time":"2026-02-28T19:07:51+00:00","article_modified_time":"2026-02-28T19:07:52+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/SMB_business-loan-interest-rates.jpg","type":"image\/jpeg"}],"author":"News Room","twitter_card":"summary_large_image","twitter_misc":{"Written by":"News Room","Est. reading time":"11 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/infinpros.com\/?p=23185#article","isPartOf":{"@id":"https:\/\/infinpros.com\/?p=23185"},"author":{"name":"News Room","@id":"https:\/\/infinpros.com\/#\/schema\/person\/2b4f5c7443dad71cb58764b08bd37464"},"headline":"What Are Current Unsecured Business Loan Interest Rates?","datePublished":"2026-02-28T19:07:51+00:00","dateModified":"2026-02-28T19:07:52+00:00","mainEntityOfPage":{"@id":"https:\/\/infinpros.com\/?p=23185"},"wordCount":2192,"commentCount":0,"publisher":{"@id":"https:\/\/infinpros.com\/#organization"},"image":{"@id":"https:\/\/infinpros.com\/?p=23185#primaryimage"},"thumbnailUrl":"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/SMB_business-loan-interest-rates.jpg","articleSection":["Homes"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/infinpros.com\/?p=23185#respond"]}]},{"@type":"WebPage","@id":"https:\/\/infinpros.com\/?p=23185","url":"https:\/\/infinpros.com\/?p=23185","name":"What Are Current Unsecured Business Loan Interest Rates? | InfinPros","isPartOf":{"@id":"https:\/\/infinpros.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/infinpros.com\/?p=23185#primaryimage"},"image":{"@id":"https:\/\/infinpros.com\/?p=23185#primaryimage"},"thumbnailUrl":"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/SMB_business-loan-interest-rates.jpg","datePublished":"2026-02-28T19:07:51+00:00","dateModified":"2026-02-28T19:07:52+00:00","description":"Images by Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways Unsecured loans aren\u2019t backed by collateral, making them a higher risk for","breadcrumb":{"@id":"https:\/\/infinpros.com\/?p=23185#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/infinpros.com\/?p=23185"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/infinpros.com\/?p=23185#primaryimage","url":"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/SMB_business-loan-interest-rates.jpg","contentUrl":"https:\/\/infinpros.com\/wp-content\/uploads\/2026\/02\/SMB_business-loan-interest-rates.jpg","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/infinpros.com\/?p=23185#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/infinpros.com\/"},{"@type":"ListItem","position":2,"name":"What Are Current Unsecured Business Loan Interest Rates?"}]},{"@type":"WebSite","@id":"https:\/\/infinpros.com\/#website","url":"https:\/\/infinpros.com\/","name":"InfinPros","description":"Latest Personal Finance News and Updates","publisher":{"@id":"https:\/\/infinpros.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/infinpros.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/infinpros.com\/#organization","name":"InfinPros","url":"https:\/\/infinpros.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/infinpros.com\/#\/schema\/logo\/image\/","url":"https:\/\/infinpros.com\/wp-content\/uploads\/2024\/03\/d-icon.png","contentUrl":"https:\/\/infinpros.com\/wp-content\/uploads\/2024\/03\/d-icon.png","width":512,"height":512,"caption":"InfinPros"},"image":{"@id":"https:\/\/infinpros.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/infinpros.com\/#\/schema\/person\/2b4f5c7443dad71cb58764b08bd37464","name":"News Room","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/infinpros.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/03199571e9539e71e7eb7558c4619f392950645892f223ecb0fa49f2729a4284?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/03199571e9539e71e7eb7558c4619f392950645892f223ecb0fa49f2729a4284?s=96&d=mm&r=g","caption":"News Room"},"sameAs":["https:\/\/infinpros.com"],"url":"https:\/\/infinpros.com\/?author=1"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/infinpros.com\/index.php?rest_route=\/wp\/v2\/posts\/23185","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infinpros.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infinpros.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infinpros.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/infinpros.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23185"}],"version-history":[{"count":1,"href":"https:\/\/infinpros.com\/index.php?rest_route=\/wp\/v2\/posts\/23185\/revisions"}],"predecessor-version":[{"id":23187,"href":"https:\/\/infinpros.com\/index.php?rest_route=\/wp\/v2\/posts\/23185\/revisions\/23187"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infinpros.com\/index.php?rest_route=\/wp\/v2\/media\/23186"}],"wp:attachment":[{"href":"https:\/\/infinpros.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23185"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infinpros.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23185"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infinpros.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23185"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}