To find out which lender offers the best rates, you’ll need to shop around and compare your options carefully. Generally, the best rates are offered to businesses that have a good credit history, but this usually means your business will need to be well established. If your business does not yet have a credit history, lenders may look at your personal credit history to give them an idea of how responsible you are as a borrower. The better your credit score, the more likely you are to be offered a competitive interest rate.