Hey everyone, I’m at the point where I might need a small business loan to cover expansion costs, but I’m getting stuck trying to figure out if the interest rates I’m being offered are actually good or just “standard marketing numbers.” One bank gave me a rate that looks low, but then there are fees I didn’t expect, and another lender gave a higher rate but seemed more transparent overall. I don’t really have experience with this, so I’m trying to understand what people actually look at when comparing offers in real life. I also read this guide business loan percentage rate read more which explained the basics like risk, credit profile, and loan structure, but I’d like to hear how others evaluate real offers beyond just the advertised rate.