What can I do if my credit is good but still cannot get an appropriate interest rate?

This is a very important question and very fundamental concept for a business owner to understand. Most people believe that the interest rate is the basic measure of the value of a loan. This is untrue. The availability of capital is the key. For example, if I am a business person in need of a loan to seize the opportunity to capture a new large project, I must act quickly. If my bank turns me away, I could always look for another bank or shop for a good rate. But if this goes on for even a short time I may loose the opportunity to a competitor. Going to a loan broker could save the day.