‘Best’ is a relative term. The act of a financial institution lending money means that they must take into account ‘risk’. The cost of the financing is actually an interpretation of the risk that the lender is gauging, based on the credit worthiness of the borrower/applicant.

‘Best’, as it relates to financing, isn't just about cost (rate). Other mechanics such as term, ease of use and type of financing also affect the sliding ‘best’ scale.

Its important to realize that the ‘best’ isn’t so, but the ‘best that my business can qualify for’ is a bit more realistic.

For example, if you state that a particular financing for your business is ‘expensive’, it’s all relative. When does ‘expensive’ get replaced with ‘best that is available for my business’.