The interest rate a company pays on 1-year, 5-year, and 10-year loans is a function of

Its accounts payable ratio, its debt-assets ratio, and its loan default percentage over the past three years.

its current ratio, its prior-year net profit margin and operating profit margin, and its prior-year return on capital employed.

its credit rating.

its credit rating and the length of the term over which repayment is scheduled.

its working capital ratio, debt-equity ratio, and default risk ratio.