While it is never recommended to mix business and personal expenses, both an overdraft facility and a business loan function differently, so depending on your business needs, either could be a good option. For example, if you find yourself running out of cash by the end of the month or need money to cover an unexpected expense, an overdraft facility or Business Line of Credit may be the best option for you. If you need to borrow more money to cover larger expenses, a loan is a better option. Consider a small business loan from Prospa to provide a lump sum you can use to purchase equipment, grow your business or take up an opportunity.