Many YC-backed founders wouldn’t have been able to access 100k in debt before getting into YC. I imagine quite a number of very successful companies wouldn’t ha

Many YC-backed founders wouldn’t have been able to access 100k in debt before getting into YC. I imagine quite a number of very successful companies wouldn’t have been pursued if debt was their only option early on. It also just isn’t smart to start a startup with personally-guaranteed debt if you aren’t wealthy to begin with. Of course you need to believe in yourself, your idea, and your business, but that doesn’t mean pretending that there’s zero chance of failure—that’s just hubris.