In my own opinion i wouldn't advice anyone to venture into taking a loan inorder to startup their preferred Business, tho sometimes it's usually hard to get the required capital for startup that's why most people take loans and all of that but on the contrary getting the loan is one and paying back will always be a problem for alot of person's and which will lead to some arguments between the two party but then having an investor is quite okay I would say cause they usually serve as partnership to your business and they may invest in the business in every aspects just to see it grow, or better still starting small on your own it's alot better too.