You can try and refinance with another loan but a 6.5% rate is pretty good for a business loan of any kind, especially for the amount of money that you’ve borrowed. I would suggest looking for ways to pay down the loan faster instead of looking for ways to reduce the interest rate. Keep in mind, as well, that your interest rate might be a variable rate. This means that it will go up and down with the prime rate. If that’s the case then your rate could continue to climb this year as it’s expected that the United States prime rate will increase at least one more time, if not more, during 2018.
If you’re a strong borrower and you have a lot of collateral to put down towards your loan then there’s no harm in walking into your bank to see if they can give you a better rate than the 6.5%, but that might be your only shot when you’re borrowing more than $1 million, unless a lot of your loan is for commercial real estate. Then you could have some options from private lenders. Good luck!