The choice between a commercial loan and a personal loan depends on your specific situation and goals. If you are planning to start a business, a commercial loan may be the best option for you as it will provide financial support for your business. If, however, you need funds for personal purposes, a personal loan would be a better option.I recommend contacting a bank or financial institution and discussing your specific needs and options. They will be able to tell you in detail about the different types of loans, their terms and requirements so that you can make the right choice.