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I recently received a $145K business loan at 9.5% at a fixed rate. My banker told me that a variable rate would be about 2 points higher. I thought it would be the opposite because home loan rates are usually lower when the loan is a variable rate.

I'm just wondering why business loans if business loans are lower when the rate is fixed and why? Any advice is appreciated. Are bank business loan interest rates usually lower when they're fixed or variable?