<human>:  What is the difference between a commercial loan and a personal loan?
<bot>: The main difference between a commercial loan and a personal loan is that a commercial loan is designed to help businesses finance their operations, while a personal loan is intended to help individuals finance their personal expenses. Commercial loans often have stricter qualification criteria than personal loans and are usually secured with the borrower’s assets. Personal loans typically have more flexible qualification requirements and are usually unsecured.