If you’ve never been in business before, there are really only two ways you can fund your business — 1) borrowing from family and friends, or 2) borrowing from yourself. Lenders will turn you down if you apply.
If borrowing from yourself seems the stronger option, I urge you to read Financing Your Business with Credit Cards, an AllBusiness.com article about Arnaldo Lopez, who financed his online business using credit cards. Because of the high interest rates, Lopez borrowed more than he was able to pay back and got himself into a hole that took him a long, long time to get out of.
Using a home equity line of credit is a safer bet because the APR will be lower than credit cards. Another option may be borrowing from your 401(k), which would also offer a good rate. But whatever you do, start out with the smallest possible amount of debt, and don’t borrow more than you can pay off out of your cash flow. Not sure how much that will be? Talk with your accountant.