{"id":15983,"date":"2024-06-06T20:24:56","date_gmt":"2024-06-06T18:24:56","guid":{"rendered":"https:\/\/www.fbm.nl\/refinancing-when-interest-rates-rise\/"},"modified":"2025-09-08T16:41:43","modified_gmt":"2025-09-08T14:41:43","slug":"refinancing-when-interest-rates-rise","status":"publish","type":"post","link":"https:\/\/www.fbm.nl\/en\/refinancing-when-interest-rates-rise\/","title":{"rendered":"Refinancing when interest rates rise"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15983\" class=\"elementor elementor-15983 elementor-11876\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d257a1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d257a1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6daf7a7\" data-id=\"6daf7a7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41490b1 elementor-widget elementor-widget-text-editor\" data-id=\"41490b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Many business owners have become accustomed to low interest rates. In fact, from 2010 to 2022, interest rates have been historically low. The Euribor , a widely used benchmark rate, was even negative for several years. But in 2022 came the turning point. An unprecedented rise in inflation peaked in September 2022 with a <a href=\"https:\/\/www.cbs.nl\/nl-nl\/reeksen\/tijd\/consumentenprijzen\">consumer price index<\/a> (CPI) of 14.5%.    <\/p><p>Therefore, to fight inflation, central banks gradually raise interest rates. Higher interest rates inhibit the economy and thus demand, and lower demand inhibits the rise in prices. So the thinking goes. What does that mean for <a href=\"https:\/\/www.fbm.nl\/en\/funding\/\">financing<\/a> your business?   <\/p><p>In this paper, we address:<\/p><ul><li>Interest rate trends for business loans and their impact on entrepreneurs<\/li><li>The cost structure of a business loan<\/li><li>The possibilities of influencing these cost components and making impact calculations<\/li><\/ul><p>Download this paper to determine if you should take action now.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b1f8f54\" data-id=\"b1f8f54\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34652df elementor-widget elementor-widget-heading\" data-id=\"34652df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Download paper<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a05f5a4 elementor-widget elementor-widget-hubspot-form\" data-id=\"a05f5a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hubspot-form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 144760600,\n\t\t\t\t\t\t\t\t\tformId: \"5392b7df-2d4d-496d-8bbd-82c542b7f2d1\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1779734582000-3936743772\",\n\t\t\t\t\t\t\t\t\tregion: \"eu1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1779734582000-3936743772\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29ea95f elementor-widget elementor-widget-text-editor\" data-id=\"29ea95f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This form is subject to our privacy policy. In line with the interest shown by you, we may use your contact information to provide you with targeted information. Of course you can unsubscribe from this at any time.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Many business owners have become accustomed to low interest rates. In fact, from 2010 to 2022, interest rates have been historically low. The Euribor , a widely used benchmark rate, was even negative for several years. But in 2022 came the turning point. An unprecedented rise in inflation peaked in September 2022 with a consumer [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":15216,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[128],"tags":[98,135],"class_list":["post-15983","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-papers-en","tag-funding","tag-refinancing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancing when interest rates rise - FBM Corporate Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fbm.nl\/en\/refinancing-when-interest-rates-rise\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinancing when interest rates rise - FBM Corporate Finance\" \/>\n<meta property=\"og:description\" content=\"Many business owners have become accustomed to low interest rates. 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