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the true cost of borrowing So often, entrepreneurs and their advisors look only at the interest rate to determine the cost of borrowing. What they really should be looking at is the benefit to the company of that borrowing. In making comparisons between lenders, if ALL ELSE is identical, then of course choose the lender offering the lower rate. But, if you have a line of credit from a bank, you may be able to get a higher return by replacing or supplementing the bank line with a line from another lender, even at higher rates. To test the impact, we have devised the calculator below. Fill in the yellow boxes to see how the additional resources can make an impact.  
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