However, business financing is not all sunshine and rainbows. It sometimes comes with extra fees like origination costs (think of it as a processing charge) and closing costs (administrative fees to finalize the loan). There might even be a penalty if you pay the loan off early. So, while the interest rate might be lower, those extra fees can add up and affect your bottom line. Before you dive in, be sure to factor everything in to see which loan option truly makes the most financial sense for you.