{"id":22325,"date":"2026-03-01T00:26:22","date_gmt":"2026-03-01T00:26:22","guid":{"rendered":"https:\/\/borrowingnexus.com\/?p=22325"},"modified":"2026-03-01T00:26:23","modified_gmt":"2026-03-01T00:26:23","slug":"average-business-line-of-credit-interest-rates","status":"publish","type":"post","link":"https:\/\/borrowingnexus.com\/?p=22325","title":{"rendered":"Average Business Line of Credit Interest Rates"},"content":{"rendered":"<div>\n<div id=\"block_39862e9be1279602ede20c3287b9815d\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\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><br \/>\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\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\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                                                            Interest rates for business lines of credit range from 3% all the way up to 60% or higher, depending on the lender and the borrower\u2019s creditworthiness.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The best rates are offered to established business owners with good-to-excellent credit.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Business lines of credit may come with additional fees, such as annual fees, origination fees, draw fees and maintenance fees.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>A business line of credit can have an annual percentage rate (APR) ranging from 3% all the way up to 60% or higher. According to the Small Business Lending Survey, average rates for new business lines of credit in the third quarter 2025 were between 6.99% to 7.38% for fixed-rate lines of credit and 7.63% to 7.91% for variable-rate lines of credit.<\/p>\n<p>Lenders aren\u2019t required to display their rates, making it difficult to pinpoint how much you\u2019ll end up paying without applying first. That said, the best business lines of credit offer the lowest rates to established small business owners with good-to-excellent credit, while startups or those with bad credit will face higher interest rates and fees. Shopping around and comparing lenders is a highly effective method for finding the most affordable line of credit.<\/p>\n<h2 id=\"current-rates\" 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=\"Current business line of credit rates\" data-outcome=\"\">Current business line of credit rates<\/h2>\n<p>As with any financing, business lines of credit interest rates may vary between lenders and change based on market conditions. Here are the current interest rates from a small selection of lenders.<\/p><figcaption class=\"wp-element-caption\">Rates accurate as of 02\/26\/2026<\/figcaption><h2 id=\"types\" 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=\"Types of business line of credit interest rates\" data-outcome=\"\">Types of business line of credit interest rates<\/h2>\n<p>Unlike consumer lenders, business lenders charge interest rates in different ways, making it difficult to compare borrowing costs side-by-side. <\/p>\n<h3>Interest rates<\/h3>\n<p>Most lenders show business loan interest rates in the form of an APR. The APR gives you a complete picture of borrowing costs over the course of the year, including interest and fees. Some lenders also show simple interest, which doesn\u2019t include fees in the calculation.<\/p>\n<h3>Factor rates<\/h3>\n<p>Some lenders offer business lines of credit using <u>factor rates<\/u>, which are expressed as a decimal instead of a percentage. The factor rate gets multiplied by the loan amount, resulting in the total fee.<\/p>\n<p>For example, if you take out a loan for $50,000 with a factor rate of 1.2, the loan\u2019s interest would cost $10,000 ($50,000 x 1.2 = $60,000). The amount of interest would be $10,000. That figure doesn\u2019t include any other fees.<\/p>\n<p>To compare factor rates with other loans, you can <u>convert the factor rates to interest<\/u>. Then, use that interest rate to <u>estimate loan costs<\/u> if you got a business loan with the same APR. In many cases, the loan with the APR is the cheaper option.<\/p>\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<div class=\"content-wrapper\">\n<p>\n                    Early payoff and factor rates\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Because factor rates get applied to the loan upfront, you won\u2019t save money by paying off the loan early unless the lender offers a prepayment discount.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>Weekly or monthly fees<\/h3>\n<p>Some lenders charge weekly or monthly fees on outstanding balances instead of interest rates. Because these interest rates don\u2019t account for the cost of the loan over the entire year and don\u2019t include fees, they could end up costing you more than a loan with an APR. Review the total loan cost in the loan agreement and compare it against other business loans.<\/p>\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<div class=\"content-wrapper\">\n<p>\n                    SBA line of credit\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Another option to consider is an SBA line of credit. The SBA offers revolving and non-revolving lines of credit that have maximum interest rates set by the SBA.\u00a0As of February 2026, the starting interest rate for an SBA line of credit is 11.75%.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"fees\" 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=\"Business line of credit fees\" data-outcome=\"\">Business line of credit fees<\/h2>\n<p>The interest rate doesn\u2019t represent the only <u>costs of using a line of credit<\/u>. Other fees you might run across:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Annual fee<\/strong>: The annual fee is a flat fee, usually under $200, that your business may be charged each year to keep your line of credit open.<\/li>\n<li>\n<strong>Origination fee<\/strong>: If your line of credit charges an origination fee, it is usually a percentage of the loan amount, such as 1% to 3%. The fee is charged at the time that a new line of credit is opened.<\/li>\n<li>\n<strong>Draw fee<\/strong>: You may also be charged a fee every time you make a withdrawal from the line of credit. This fee often equals up to 3% of the amount withdrawn.<\/li>\n<li>\n<strong>Maintenance fee<\/strong>: A lender may charge a maintenance fee to keep the line of credit open. It is charged even when an account goes unused.<\/li>\n<\/ul>\n<h2 id=\"get\" 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=\"How to get the best business line of credit rates\" data-outcome=\"\">How to get the best business line of credit rates<\/h2>\n<p>If you\u2019ve decided this is the best financing option for your business, know how to <u>get a business line of credit<\/u> with affordable interest rates and low fees:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Shop around<\/strong>. Banks, credit unions and online lenders <u>offer business lines of credit<\/u>. To find the best interest rate, you\u2019ll want to apply or prequalify with multiple lenders to see which one offers you the lowest rate.<\/li>\n<li>\n<strong>Build your credit scores<\/strong>. The higher your credit score, the better your interest rates. You can <u>build business credit<\/u> by making payments on time, opening trade credit with current suppliers and keeping your total debt amount low.<\/li>\n<li>\n<strong>Consider a secured line of credit<\/strong>. While this <u>type of credit line<\/u> is not as appealing as unsecured lines of credit, lenders are more willing to offer favorable interest rates if you can put up an asset as collateral. The asset acts as security for the loan and reassures the lender that they will not come away empty-handed if you default on the loan.<\/li>\n<\/ul>\n<h3>Factors that influence business line of credit interest rates<\/h3>\n<p>Your interest rate determines your borrowing costs, and business line of credit interest rates are influenced by a variety of factors that determine your business\u2019s creditworthiness. Those factors include:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Credit scores.<\/strong> The higher your credit score is, the lower the interest rates lenders will be willing to offer you. Most traditional banks will want to see a personal credit score of at least 670 or higher, while online banks may go down to 625 or 600.<\/li>\n<li>\n<strong>Time in business. <\/strong>Most lenders want to see one to two years in business for a line of credit, though some online lenders will go down to six months. Lenders may offer a larger credit limit with better terms to established businesses.<\/li>\n<li>\n<strong>Business income.<\/strong> Lenders want to see steady revenue alongside other financial statements that show a picture of solid financial health. Traditional banks may want to see $150,000 to $250,000 in income yearly, while many online lenders accept $100,000.<\/li>\n<\/ul>\n<h2 id=\"alternatives\" 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=\"Alternatives to business lines of credit\" data-outcome=\"\">Alternatives to business lines of credit<\/h2>\n<p>A business line of credit <u>comes with downsides<\/u> and is far from the only way to get an injection of cash into your business. The following are some of the most common types of business loans and financing.<\/p>\n<h3>Term loans<\/h3>\n<p>A term loan may be the right choice if your business needs a set sum of cash at once versus having access to funds over time. You will repay the loan with interest over a predetermined term, such as one to five years. This loan may offer higher loan amounts than a business line of credit. You may use this loan to cover a large, one-time purchase for your business, with the purchase often specified in the loan agreement.<\/p>\n<h3>Peer-to-peer loans<\/h3>\n<p>Peer-to-peer lending allows a business owner to get a loan from multiple individual investors rather than through a traditional bank. These loans are usually funded through a peer-to-peer lending platform. They may not have strict credit score requirements when compared to bank financing. They can have high interest rates or loan fees though.<\/p>\n<p>Peer-to-peer lending is usually best for business owners who need fast cash or haven\u2019t had luck getting any other type of bad credit business loan.<\/p>\n<h3>Credit cards<\/h3>\n<p>Both <u>lines of credit and credit cards<\/u> are revolving lines of funding, allowing you to withdraw funds as needed up to the credit limit. <u>Business credit cards<\/u> may also come with 0% APR promotional periods and the chance to earn rewards on purchases. They also have easier repayment terms and can remain open for years, while your line of credit may have a maturity date.<\/p>\n<p>A line of credit can have higher funding, but a credit card won\u2019t require an origination fee or the same maintenance fees as a line of credit.<\/p>\n<h3>Invoice factoring<\/h3>\n<p><u>Invoice factoring and financing<\/u> allow you to use your unpaid invoices to gain quick access to financing. With invoice factoring, you sell your outstanding invoices to a factoring company. Invoice financing is more similar to a loan or cash advance, advancing money based on a percentage of your unpaid invoices.<\/p>\n<p>In either case, your invoices act as collateral for the financing. This type of financing may work when you\u2019re in a bind, but it\u2019s likely to be more expensive than a line of credit.<\/p>\n<h3>Merchant cash advances<\/h3>\n<p>MCAs are a type of <u>business loan for bad credit<\/u> borrowers and business owners who can\u2019t qualify for fast, short-term funding through a traditional lender. While this is one of the most easily accessible loans, it comes with high interest rates and the risk of falling into a cycle of debt if you can\u2019t pay it off quickly.<\/p>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>The average commercial line of credit rates range from 6.99% to 7.91%, but rates can go up as high as 60% or more. Your exact rates are determined by your creditworthiness, taking into account your credit score, time in business and business financial health. Bear in mind that business lines of credit may come with additional fees like draw fees that make the cost of borrowing higher than other loans.<\/p>\n<p>Compare multiple <u>small business loans<\/u> to get the best rates and loan features available for your business.<\/p>\n<h2 id=\"faq\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-can-you-get-a-business-line-of-credit-with-bad-credit', 'heading-can-you-get-a-business-line-of-credit-with-bad-credit']\" 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-can-you-get-a-business-line-of-credit-with-bad-credit')\" :aria-controls=\"$id('panel-can-you-get-a-business-line-of-credit-with-bad-credit')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can you get a business line of credit with bad credit?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-you-get-a-business-line-of-credit-with-bad-credit')\" :aria-labelledby=\"$id('heading-can-you-get-a-business-line-of-credit-with-bad-credit')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Most lenders offering business lines of credit prefer borrowers with at least fair credit, such as a credit score of 600 or higher. You might qualify for a business line of credit with a bad business or personal credit score, though\u00a0you should expect higher-than-average interest rates. Customers with bad credit often have better luck with alternative lenders than traditional banks.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-long-do-you-have-to-pay-off-a-business-line-of-credit', 'heading-how-long-do-you-have-to-pay-off-a-business-line-of-credit']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-long-do-you-have-to-pay-off-a-business-line-of-credit')\" :aria-controls=\"$id('panel-how-long-do-you-have-to-pay-off-a-business-line-of-credit')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How long do you have to pay off a business line of credit?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-long-do-you-have-to-pay-off-a-business-line-of-credit')\" :aria-labelledby=\"$id('heading-how-long-do-you-have-to-pay-off-a-business-line-of-credit')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            With most business lines of credit, the repayment period begins once you draw funds from the available credit limit. Once the repayment period begins, you often have between six months and two years to repay any money you withdrew. The amount of time you have for repayment depends on the terms outlined in your loan agreement.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-do-you-need-a-business-plan-to-get-a-line-of-credit', 'heading-do-you-need-a-business-plan-to-get-a-line-of-credit']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-do-you-need-a-business-plan-to-get-a-line-of-credit')\" :aria-controls=\"$id('panel-do-you-need-a-business-plan-to-get-a-line-of-credit')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Do you need a business plan to get a line of credit?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-do-you-need-a-business-plan-to-get-a-line-of-credit')\" :aria-labelledby=\"$id('heading-do-you-need-a-business-plan-to-get-a-line-of-credit')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Some lenders may require a\u00a0business plan when applying for a business line of credit, though it\u2019s not always required. If you need help writing a business plan, many organizations offer assistance, including the SBA, SCORE and your local chamber of commerce.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\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?<\/p>\n<div id=\"SaOXYwn0X3\" 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><br \/>\n                            Your feedback helps us improve our content and services. 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rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Interest rates for business lines of credit range from 3% all the way up to 60% or higher, depending on the lender and the borrower\u2019s creditworthiness. The best rates are offered to established business owners with good-to-excellent credit. Business lines of credit may come with additional fees, such as annual fees, origination fees,<\/p>\n","protected":false},"author":1,"featured_media":22326,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22325","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>Average Business Line of Credit Interest Rates | Borrowing Nexus<\/title>\n<meta name=\"description\" content=\"Key takeaways Interest rates for business lines of credit range from 3% all the way up to 60% or higher, depending on the lender and the borrower\u2019s\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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