Would trying to start up the business in your own little way the best option or can you consider bringing a third party into the business who will just serve as a partner that contributes just money?
Looking at the current situation I seem to prefer to do it by embracing investors rather than borrowing for business ideas.
I have experienced the option of making loans to the business that I did even though it was classified as not too failed but when we do it with loans then of course we will be chased to repay the debts that we do which is not a comfort. Although it is true that debt is not bad for doing business, when we cannot control debt properly then indeed this will make a difficult situation for us to go through so that this will have an impact on the business you are doing.
Instead of something like this happening, it will be more possible if you do business maximizing personal capital first and if possible there are investors this is also a good addition because apart from capital support at least with the presence of investors we will be more able to make some good solutions, especially for internal business problems we become have a big responsibility because it is not only about our capital but about the capital of others who become our investors.