Your post is interesting from a psychological perspective. You say
you`re passionate about this business, but it sounds as if you`re
afraid to "put it all on the line," so to speak.
Yes, you could get an outside investor and "keep" the $55K somewhere in
your pocket for emergencies, a buffer, or a safety net. But you`d
likely be giving up equity in your company and putting yourself under
someone else`s more direct control.
If you`re paying on a lease, you`re still under the debt-holder`s
control, but not as immediately as with an investor. But setting all
that aside, the one thing that runs common to all entrepreneurs is
their commitment to a sort of "do or die" game. It`s no-holds-barred,
pedal to the metal, damn the torpedoes, and full-speed ahead. :-) (I
hope I didn`t leave out anyone`s favorite cliche?)
Many entrepreneurs do this sort of jumping in without first doing their
homework. So they go broke and lose their investment. But even those
who`ve done the work, and have a solid business plan---they too have to
choose which fork in the road they`ll take, where it comes to risks.
Why are you pausing at this point? Do you feel (operative word)
that your product isn`t all that great, probably won`t succeed, and
that you`re going to dump in all kinds of money for no return? Are you
trying to minimize your losses by foisting them off onto someone who
can seemingly afford those losses?
In other words, are you "dressing for failure," not success?
As usual CraigL hit my issue right on point. There is a lot of unease that seeps from your post. I believe if you take some time to seriously contemplate these questions you could very well get to the bottom of your feelings.
I would also like to emphasize the fact that there is no such thing as free money. As my experience has taught me, every venue of available funding has it own set of conditions; however repayment is inevitable whatever form it takes.
What financial options have you identified that ideally suits your demands?