Line of credit is good in many circumstances, but I find them a bit annoying because many (most) banks require you to qualify (re-apply) for them on a yearly basis. A credit card is a better idea for such a small amount. Get a card that gives you air miles or something like that. Another idea is, take the $10K loan, then pay $5K back on the loan right away, leaving yourself with only $5K to repay on whatever schedule you work out with them.

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Peter T Davis
Frixer, Inc.
Helping people make profitible businesses on the web.