The interest rates remain between 5% to 10% that is the general rate offered by most of the banks for business loans. In modern finance, time-value-of-money concepts play a central role in decision support and planning. For each cash flow event, the present value is discounted below the future value (except for cash flow events that occur today, in which case PV=FV). The higher the interest rate, the lower the present value of a future amount.

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