current small business loan rates 2026

Average Business Loan Interest Rates January 2026: The Ultimate Borrower’s Guide to Q1 Funding

Are you ready to fund your next big move? Our January 2026 guide to Average Business Loan Interest Rates reveals the massive gap between traditional bank stability and high-cost online alternatives. With the prime rate sitting at 6.75%, we break down exactly what you’ll pay for SBA loans, equipment financing, and lines of credit. Don’t fall into the 99% APR trap—learn how to navigate the post-Fed cut landscape and secure the lowest rates available today. Click to discover the best financing options for your business this quarter!

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