There is a guy that knows this industry here that if you haven't offended may offer to help you out, but there are a lot of variables to consider when asking about a 'good rate' and you haven't given many details. That said, I recently was involved in a transaction renegotiating a $2.4M loan that was six years into a 10 year loan down from 7.2 to 5.4(something). BUT, there was a commitment from the business (a charter school) to run about $1.2M a year through the bank that renegotiated the loan. As you can imagine, it changed the cash flow considerably. The term blackmail came to mind, but I checked it out with the guy here who I haven't offended, and he said it is legal, as well as ethical.