Glossary

All-in rate

The all-in rate is everything you pay expressed as one rate — reference rate, margin and annualised fees combined — the truest single-number cost.

2 min read

EverythingRate + margin + fees
One numberTrue cost

Definition

The all-in rate rolls the reference rate, the margin and annualised fees into a single figure, so you see the real cost rather than a bare rate. It is close in spirit to the APR and the fairest single number to compare facilities on.

In plain terms

It is the rate with nothing left out — what the money actually costs you per year, fees and all.

Why it matters for your company

Ask for the all-in rate, or the APR, when comparing facilities. See APR and total amount payable.

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