What type of business Loan are you?

What Type of Business Loan Are You? (Quiz Inside!)

July 16, 20252 min read

Are you the responsible planner who loves structure? Or the fast-mover who gets things done on the fly? When it comes to business funding, not all loans (or business owners) are created equal.

Let’s find out: What type of business loan are YOU?
Take this short quiz to discover whether your loan personality matches an SBA loan, a Merchant Cash Advance, or something in between!


The Quiz:

1. Your business goal this year is to:
A) Expand gradually with a clear long-term plan
B) Handle a short-term cash crunch or seize a fast opportunity

2. When it comes to paperwork, you:
A) Don’t mind it — as long as it’s organized
B) Avoid it at all costs

3. Your credit score is:
A) Solid — you've worked hard to keep it strong
B) Let’s just say it’s a work in progress

4. How quickly do you need the funds?
A) I can wait a few weeks for the right loan
B) Yesterday would be ideal

5. Your repayment style is:
A) Predictable monthly payments keep me sane
B) Flexible repayments based on how I’m doing that month


Results:

Mostly A’s – You’re an SBA Loan!

You're responsible, strategic, and patient. You’re not afraid of paperwork if it means getting low interest rates and long-term support. SBA loans are perfect for business owners who want stability and serious growth potential.

✅ Pros: Low interest, long repayment terms
❗️Cons: Longer approval process, more documentation


Mostly B’s – You’re a Merchant Cash Advance!

You're agile, fast-moving, and focused on momentum. A traditional loan might slow you down — you need access to capital ASAP. Merchant cash advances provide quick funding based on your daily sales, with flexible payback.

✅ Pros: Fast access, easy approval
❗️Cons: Higher costs, short-term use only


Mixed Results – You’re a Hybrid Hustler!

You need flexibility and a bit of structure. You may be a great fit for alternative funding options like revenue-based financing, business lines of credit, or microloans that offer the best of both worlds.


Why It Matters

Knowing your "loan personality" helps you choose the funding that fits your business — and your mindset. Don’t get stuck in a loan that doesn’t match your pace or purpose.

Whether you’re growing slow and steady or sprinting toward scale, Oracle Consults is here to match you with the right funding option — fast.


🎯 Ready to take the next step?

📩 Email us at [email protected]
🌐 Explore your options at www.oracleconsults.com

#BusinessLoanQuiz #SBAvsMCA #StartupFunding #OracleConsults #LoanPersonality #SmallBusinessFunding

Darcell has been writing for Oracle since we started and is one of our more tenured writers. Your going to love his articles.

Darcell

Darcell has been writing for Oracle since we started and is one of our more tenured writers. Your going to love his articles.

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