I have a Silicon Valley loan that is at a rate probably near cost for the lending institution. I did put real money down though. The big requirement for this l

I have a Silicon Valley loan that is at a rate probably near cost for the lending institution. I did put real money down though. The big requirement for this loan was for me to move most of my banking to the institution, and to keep a minimum amount of assets with them. I generally like the institution, so the move hasn't been terrible. So not only are they making interest on the loan, they also have my other business. I'm not super-high wealth (but I do pretty well), but my banking does make them money.