First, to better understand, lets go over what a fractional T1 is. A fractional T1 is a service that has a “local loop”, as well as a port that connects the local loop and the internet or PSTN. Since it takes the same amount of copper wire for a fractional or full T1, the phone company will always set the local loop at 1.54 Mbps. This means the phone company will treat full or fractional T1 users the same, and there will be no savings inferred by the phone company for using a Fractional T1. As for instillation of the fractional T1, it is the same as a full T1. The only savings on a fractional T1 come from the provider, and though it is discounted, it is only done at a minimal rate. With the exception of bandwidth expenses, it is nearly the same price to install and use a full or fractional T1.
If you are a small business owner, it would be wise to look into an integrated T1. An integrated T1 can transport both phone and internet at the same time. If you are a small business who does not need more than 6 or 7 lines, then an integrated T1 would be the way to go since you could assign the non-phone lines to be for internet. A dynamic T1 might also something you will want to look into since a Dynamic T1 can be split the same way as an integrated T1, but can also recognize when there are no phone lines in use and can transfer that bandwidth to internet use.