Amen. Part of my motivation to get an investor was precisely to offload that financial risk to someone else. I'm already putting in at least 2 years of my life

Amen. Part of my motivation to get an investor was precisely to offload that financial risk to someone else. I'm already putting in at least 2 years of my life, including a lot of blood and sweat. If I fail then the last thing I'd want is to spend another X years getting rid of that debt... Also I'm truly baffled at your statement of: even an entrepreneur who has failed to get rich by the end of the four year can resort to taking a job at a big company. One year of that will pay off most of the loan, and will allow him to take a separate loan from the bank to cover the rest. Excuse me? After the 4th year I'd owe you roughly $120000. Most of us mere mortals would probably need closer to 7-8 years to pay that back.