1, with different properties:

Loans are personal consumption loans, and online business loans are business loans.

2. Different lenders:

The lender of this loan is Ant Shangcheng Microfinance Company, a subsidiary of Ant Financial Services, and the lender of online merchant loan is a cooperative financial institution such as online merchant bank.

3. The loan amount is different:

The maximum loan amount for network business loans is 2 million yuan, while the maximum loan amount for loan loans is 300,000 yuan.

Extended data:

How does Alipay apply for a loan?

1. Open the Alipay application downloaded from your mobile phone, log in to your account, and click the "My" toggle button in the lower right corner of Alipay homepage to switch pages.

2. After switching pages, click "Merchant Service" under the avatar.

3. On the merchant service page, find and click "overcharge and loan".

4. After entering the page, choose the loan method suitable for us, click it and fill in the "loan application" according to the prompts.

5. Click "Confirm Use" after confirming that it is filled in correctly, and then wait for approval.