Answer

Should I take investment or borrow to keep full ownership?

Investment costs no interest but a permanent share of the business and its future profits; borrowing costs interest but you keep full ownership and control.

2 min read

Keep ownershipDebt, not equity

No forever shareRepay and it's done

Weigh the costInterest vs equity

What each really costs

Equity investment brings money without repayments, but you hand over a permanent share of the business and its future profits. Borrowing costs interest, but once repaid you owe nothing and keep 100% of the upside.

Why ownership often wins

For a profitable, growing business a business loan is usually cheaper over time than giving away equity that keeps paying out forever. See our guide to borrowing to grow.

When investment fits better

Equity suits ventures that are pre-profit or need patient capital and expertise. If you have reliable cash flow and just need funding, debt lets you keep control.

What it means for you

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online when the numbers work.

Frequently asked questions

Is it cheaper to borrow or take investment?

For a profitable business, borrowing is usually cheaper over time — you pay interest for a period, then owe nothing. Equity gives away a share of every future year's profit, permanently.

When should I take equity instead of debt?

When the business is pre-profit, needs patient capital, or benefits from an investor's expertise and network. If you have reliable cash flow, debt keeps you in full control.