The immediate benefit of a commercial loan is your business gets the money it needs to expand right away. You don’t need to wait until you’ve saved up from your existing revenues, which can take years. Since commercial loans divide the repayment schedule over a lengthy amount of time, often 10 years or more, your monthly payments are more manageable even for large amounts.
The lender could be willing to set a more flexible payment schedule, that matches when you think you’ll best be able to repay, an option that might not be available for a smaller loan. While the lender will charge interest on your loan, whatever you end up paying in interest will be tax deductible.
Finally, with a commercial loan, you’ll get a large amount of money for your business without giving up any ownership. It’s not like bringing on an investor who will take a percentage of your company in exchange for the money.