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Startups don't get 0% loans from the federal reserve. Banks "do", but interest rates for unsecured, high-risk startups is well above 0%.

Startups get investments from investors, but investors have an opportunity cost. A lower bound on opportunity cost is market index growth, around 7% per year.

That's, like, the whole point of near-zero or zero interest rates, though. It's to encourage exactly this.

These aren’t the businesses that have access to 0% interest. Look at Uber bond yields.