It depends on what you increase the interest rate to. I think most of these banks would be happy to get the interest rate up to a rate in line with the market. I'm hoping we are talking about increasing rates 1 - 2%. 2% would be a big move. Part of the lending problem is that banks have rates tied to libor and libor is so low that interet rates are in the 1-2% range. There is not enough there to cover operations of the lender. I follow several RITS. HRP is one. If you look at their financial information they have variable rate loans tied to LIBOR that are in the 1.5% range. I'm sure the lender would love to renegotiate those terms. Remember if ALD said the interest rate is going up and it will impact profitability but it is no big deal the bank might ask for more. Of course they could really try for big number and if they do hopefully ALD would have provisions that allow them to prepay.