I would say anything under 9% is a good rate. I was formally a loan broker and for those with good credit (650 +) no red flags on credit history, more than 2 years in business and the business doing at least 100k+ in revenue and profitable I saw between 3-9% apr on 5 year terms. In all honesty though dealers themselves tend to have the best deals I actually lost quite a few potentials to the dealers themselves. Lenders want to know a lot of detail on your financial history where as dealers are more interested in the sale. Are you looking for a direct loan like SBA or are you looking to lease to own? If you shop around for rates make sure to ask before hand whether they will be doing a hard credit pull or soft credit pull because the more hard credit pulls the more damage you could do to your credit making financing even harder. If they give you round about number try to determine the rate yourself with a
leasing calculator. It will put you a step ahead of them and show that you are prepared.