Hello, There are a few things to consider. For the bank loan:- PROS - you can retain full ownership. - Fixed Repayment Terms - interest payments on business loans are often tax deductible. CONS - Debt obligation; you have to pay back the loan with interest which can strain your cash flow. - Collateral: some banks will require collateral which can put your company assets at risk. Private investor: PROS - No repayment obligations - potential for growth capital - expertise and network: investors can bring valuable expertise & connections to your business and can help it grow. CONS - you have to give up a portion of your ownership and control of your company - New investors might have a different vision and expectations for the business - investors typically expect a return on investment which can create tension in the company and eventually pressure your to expand and grow or sell the business or go public Other things to factor in: - Cash flow; assess your company’s ability to handle the loan repayments without compromising any operations - Ownership Preference; Decide how much ownership and control you want to give up - Risk Tolerance; Consider the risk of taking on the debt vs. the risk of bringing in an outside investor. - Long term goals; align your choice with your long term business objectives.