Speaking as an entrepreneur for 30+ years, I never borrowed a dime to meet a payroll. Must be talking about large corporations with wide fluctuations in sales.
Well, neither of these cats has run a business....you dont borrow money from the bank to make payroll....you have a credit line if you dont have enough cash reserves...
Credit lines are now running 10% interest if you have stellar credit, and higher if you dont. We havent carried one for 10 years, thankfully.