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An ordinary person with decent credit would not pay 10% on a loan.

A reasonably rich person with good credit is paying nowhere near that.

And a very rich person with great credit and who will put their assets up as collateral is paying low single digits in interest, if even.

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The feds interest rate is still 4.5% right now. And a lot of companies are preparing for a headwind (which also means very rich people don't want to put assets up). Despite people trying to pretend otherwise, we're not in a very flowing economy right now.

But yes. If you're very ambitious and very rich, you can probably find a decent loan for your idea. This odd economic situation is ripe for uncontested disruption, but has an extremely high cost of entry (hence, being unconstested).

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