Is difficult to pay back loans when you don't have anything doing, and loans that usually have interest will always put you in trouble when you don't have money to repay. But I notice that if you are not doing anything, and they see you don't have anything that will be bringing money to your table, they will never borrow you the money. That is why is always good someone to have business or skills that he will be doing that will help him to be generating money and get to solve his little problems. Getting loans is not bad but you should have something doing that will help you pay back when is dew so that you won't find your self in new problem.
That's part of the steps each of us must take before considering taking out any loan. Lenders will also look at our assets and the business we run so they can trust us to lend without unnecessary worries. And what you say is true. If we don't have any business to repay the loan, it's best not to take out any loan, even though lenders won't readily approve our requests if they know we have nothing. Therefore, starting your own business in a simple and gradual manner is a necessary step before considering a loan to build a larger business in the future.
Before starting, every business owner must first know their monthly sales so they can calculate their own budget when considering a loan. This is part of preventing yourself from getting into trouble, as difficulties often arise from not knowing your own ability to repay a loan with a fixed term, which always accrues interest each month.