Best Accounts Receivable Financing Lenders

Use your A/R as collateral to fund your business.

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199409-Average-offered-APRs-by-state-lowest-to-highest-2025-01-27.csv
Rank	State	Q3 2022
1	West Virginia	16.71%
2	Iowa	19.23%
3	Vermont	19.84%
4	Maryland	19.89%
5	Maine	19.94%
6	Colorado	20.03%
7	Connecticut	20.34%
8	New York	20.38%
9	Massachusetts	21.29%
10	District of Columbia	21.44%
11	New Hampshire	22.99%
12	Pennsylvania	23.14%
13	Illinois	23.80%
14	South Dakota	23.99%
15	North Dakota	24.08%
16	Oregon	25.11%
17	Georgia	25.45%
18	New Jersey	27.47%
19	Rhode Island	29.06%
20	California	31.32%
21	North Carolina	32.76%
22	Nevada	33.46%
23	Montana	33.54%
24	Alaska	34.67%
25	Wyoming	34.77%
26	Minnesota	34.89%
27	Washington	34.95%
28	Virginia	35.42%
29	Arkansas	36.42%
30	Nebraska	38.26%
31	Alabama	38.84%
32	Arizona	38.87%
33	South Carolina	39.04%
34	Florida	39.44%
35	Ohio	39.46%
36	Oklahoma	40.04%
37	Indiana	40.06%
38	Hawaii	40.20%
39	Michigan	40.71%
40	Kentucky	42.49%
41	Kansas	42.78%
42	Louisiana	43.89%
43	Delaware	45.97%
44	Idaho	46.51%
45	Texas	47.14%
46	Utah	47.35%
47	Missouri	47.36%
48	Tennessee	47.47%
49	Wisconsin	54.15%
50	New Mexico	55.69%
51	Mississippi	62.93%

Learn more about how we chose our picks.

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