Advantages

• You can use the money when you need it and pay it back when you can.
• Rates are generally lower than a personal loan or credit card.
• You only pay for what you use
• Provides you with a financial buffer to better manage your personal investment business
• Available for multiple uses

Disadvantages

• Unless care is shown it is possible to reduce the equity you have built in your home (in personal situations).
• Sometimes you may be paying a slightly higher interest rate due to the nature of the transaction