What do I need to know/have prepared in order to get better business loans?

Have been using Jobber Capital for years to help grow my business. However, it is expensive and really sucks for cash flow purposes. At least in my experience. Is there a better way to do that, or should I be trying to get financing somewhere else that is cheaper?

If you recommend the Jobber Capital/ Stripe Loan, then how much have you taken? I have been approved for a little over $100K but I haven't wanted to take that risk.

Let me know what you have done and options I may not be thinking of. 

Thanks!