that's the problem here, since the borrower has no choice, he will just agree with the terms of the bank. this is why as much as possible if you have better options, just take it. banks are just securing their position so they are holding your valuable assets as collateral. in the end, no matter what, they are still of advantage with the situation. in this case, just use your funds even if it is small. you can increase it by your hard work and diligence.
Small funds will certainly take a long time to generate a lot of profit, but if you are consistent it will also increase. Collecting funds by borrowing from a bank is a solution that will be risky, because there will be a return on the loan along with the interest that is the new dependent. Do not take a loan if you do not have a definite and consistent income. It will plunge you into even greater debt.