A well thought business with integrity to grow it to actualization is very challenging and a lack of finance can be very destabilizing to an individual. From the point of view of my environment I'll say taking a loan wouldn't be a great option for me, just the hassles alone pass through to access the loan seems discouraging not to talk of the conditions attached, and all of these can put the individual in a tight pressure corner while struggling to fast meet up in repaying the loan for a new business that is expected to grow from strength to strength gradually which in some cases could take a few years.

I'll prefer to work with investors that have the funds to invest in to my idea and are very much interested in making sure the idea thrive and with patient. They can as well bring in their won recommendations where necessary in guiding the business idea moving forward unlike the banks or any loan source that it's priority is foremost is in the loan and percentage interest only. The investor can also act as co-members or partners, that's what I think.