I can't say which one is cost-effective. It's the most cost-effective not to borrow money, haha. Interest first, then funds. It can only be borrowed for six months, and the interest of100000 is more than 6000. If I do business, the income of100000 in half a year will exceed 6000, which is very suitable! On the average capital, the annual interest of100000 is more than 7000, and the available principal is less and less. Compared with other credit loans, the interest is still high. Interest first, then funds. Only the online business loan was found, but nothing else was found. Take a look at the above interest comparison.

Interest before capital.

Average capital