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?
Sometimes it seems to me that it is very reasonable to take a loan for something that an investor without money would be confident in. After all, sometimes you need to take risks, and life is one, and if, for example, someone did not invest in a token that is in a very favorable position, then later this person will very much regret (for example) how this token grew later.
You need to be able to take risks, and it is normal to be afraid at this time. The main thing is to be confident in your decision.