1) I'm sure you can find a way to get some sort of bank to lend you money regardless of your credit rating. There are plenty of banks in the business lending mo

1) I'm sure you can find a way to get some sort of bank to lend you money regardless of your credit rating. There are plenty of banks in the business lending money in high-risk situations. Getting the money probably isnt the problem. 2) I see your point, but the problem with being in debt is that it is something you don't have control over or can easily fix. Having a collections agency call you all of the time threatening to repo your personal possessions is not exactly a positive motivator either. I would rather run out of money and be piss poor than have an unpaid loan over my head, personally. 3) Raising angel money is extremely hard I'm finding... This is a huge benefit of YC, IMHO. Guy Kawasaki said in one of his books that you are more likely to get struck by lightening than land VC funding. That quote is not as ridiculous as I once thought.. Thats awesome you've got dedicated users, keep it up. Aim for the sky though, dont tell yourself you wont be the next Google b/c if you think that way you surely wont be.