the funding process
Rates and Fees
A clear breakdown of how loan pricing works, what you’ll pay, and why this matters at closing.
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How costs are calculated
- Rates reflect risk: Interest rates are based on factors like cashflow, time in business, industry, and credit history.
- Terms matter: Short-term loans carry lower rates, while longer terms increase cost as risk stretches over time.
- Fee breakdown: Common fees include origination, processing, filing, and closing — typically 2% to 5%.
- Transparency: Knowing rates and fees upfront helps you compare options and avoid surprises.
Rates and Fees Library
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