Short-term, of course, because short-term payment is affected by interest rate fluctuations, and the interest rate of short-term payment is relatively high. If there is a surplus after short-term repayment, it can be used for investment, and the income is definitely higher than the long-term loan interest rate.

You work for a company. If you can't get a higher return on investment than a bank, you might as well save money and close the company.