That is a good question and I commend you for your bravery. apparently you had studied and knew exactly what you wanted to do and made plans. Many people fail to plan and end up with a plan that fails. Check the market. Is your product or service something that's used a lot today and seems to have a place in the future? Personally I like multiple streams of income, but it might not be necessary in some cases. I have Network Marketing multiple streams now under one umbrella and I paid over $300 to join and it's great. So it also depends on what type of business you want to start. Some time people start with a home based business to save money and then grow to their dream which would have required getting a loan before.

In any case I suggest doing a lot of reading and checking before you invest. Look before you Leap!!!