A small business loan is an additional funding stream that goes over and above your traditional bank facilities and can be completed within a swift timeframe (approx 7 days). Security is required in almost all cases when advancing funds for business or investment purposes. Many small business operators gravitate towards such funding options as factoring and inventory finance. The amount that a lender is willing to offer will be pegged to a fixed percentage of the value of a property. It is a well known fact that Commercial loans come to bear a higher interest rate than that of their Residential counterparts. Yes small business loans provide reasonable flexibility when it comes to choosing loan terms.