This answer ultimately depends on the loan you choose, your credit rating, and what you can afford. Banks and credit unions are viable options as they usually provide loans with lower interest rates, mainly for asset-based lending. This is often due to the layer of security the lender collateral provides. However, they come with stricter eligibility requirements. On the other hand, online lenders offer a broad spectrum of flexible and affordable financing options. They provide cash flow loans that are generally approved based on your company's past and projected cash flow. Though, the lack of added security (collateral) makes your loan a bit riskier for the lender, leading to potentially higher interest rates. Regardless of the lender you settle on, it's key to read the fine print thoroughly to anticipate any risks such as defaulted payments and seizures of lender collateral. Make sure to look out for any form of disclosure before affixing your sign on the loan agreement.