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Commercial Property Finance Calculator Apartment Loans Rates Average Interest Rates For Business Loans The average interest rate for small business loans | Pocket Pence – Due to the riskiness of small business loans, their rate is always several points above the long-term rate. According to the Federal Reserve, the average in early 2011 for small business loans was 8.4 per cent for loans less than 65,000 and 7.6 per cent for loans between 65,000 and 0.6 million.