Loan rates are varying considerably in the 4th Quarter of 2010. SBA rates are still historically low, with rates in the 5 to 6% range. Conventional loans range from 6 to 9% for practice acquisitions, and in the 10-13% range for working capital. Some equipment loans, effective lease rates, and higher risk borrowers will see rates in the 13%-15% range. In general there is plenty of lending money available, with most lenders reporting a very strong year loaning money to veterinarians.