If you are stellar with zero condition issues, then 1%. If there are issues and mega conditions, you are most likely looking at a private $$ resource or hard moeny and the spread most likely won't be worth the effort in the climate we currently have. I have seen them go 8% or more with a hard pre-pay at 7-10 years. .

My advice for you is to check with any Bank; ie Bank of America, Wells Fargo, etc. and ask for their SBA (Small Business Administration) loan agent. They will connect you with an experienced SBA loan broker. SBA lends to many small businesses and also not too small. Recently, I was inquiring about a business loan for a client and they told me that with one of their programs, they could lend up to $ 2,000,000 without too many problems. As you know, any loan is difficult to obtain nowadays, so above $ 2,000,000 it could be harder to obtain. As with every loan, they would have to evaluate your financials, the business you are interested in, their books and records, collaterals, etc. Good luck.