You are an early stage entrepreneur in need of money to fund your working capital Bank of America offers you a 5 year. interest-only loan (non-amortizing) at 12% interest rate with a 2% origination fee and 1% annual maintenance fee. They also require a 15% compensating balance to be held in an account that pays zero interest. What is your approximate ettective annual financing rate for this loan? 19.0% 11.5% O 13.0% O 16.3% O 10.0%