Many states limit maximum interest rates: your state (MO) does not, except for a very limited class of small loans, which a $92,000 business or commercial loan would not fall under. Unfortunately, you therefore are not protected from excessive interest rates, and they can charge you 33%. You are held to what you signed: you *could* have read it over and refused to sign a loan or agreement for that much. (And if they tried to rush you, you could have simply refused to sign until you read it: they had no power to make you sign.) The law presumes that you read, understood, and agreed to what you signed and holds you to it.