Bank loan vs. investor funding, which makes more sense?

sgreen90 · 2025-05-22T17:51:22Z

Been thinking lately about expanding my small business and I'm kinda stuck between going for a traditional bank loan or trying to find an investor. Bank loans seem straightforward, but the interest rates and repayments can be a bit scary, you know? Investors sound great, but then again, giving up some control or profits doesn't exactly thrill me either. Anyone here been through this decision before? Curious which route you took and how it worked out for you.

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bailey_diver

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I get where you’re coming from, but honestly, I’ve had investors who were way less hands-on than some banks. Like,

“Once you’re locked in, you’re locked in.”

—that’s been my experience too. At least with an investor, if you can back up your choices with solid reasoning (and a mood board or two), they’ll usually let you run with it. Banks just see numbers, not design intent. Sometimes I’d rather have a few awkward conversations than hit a brick wall every time something shifts.