What is your current cash flow? That is all that matters. At a minimum your cash flow needs to be enough to service your debt and living expenses. Then, you can

What is your current cash flow? That is all that matters. At a minimum your cash flow needs to be enough to service your debt and living expenses. Then, you can all work for equity and make a go of this. Figure out what this number is, and then ask yourself how you can earn that money. You may need to do a part time job in order to get that money. Yes, your ability to focus on this company will be hindered. But imagine how much of a bottleneck being absolutely broke and potentially bankrupt will be to the progress of your company. EDIT: You may as well call up your credit card issuers and ask them to drop your interest rate. I've had about a 50/50 success with this approach. Both times I was successful I went from an 18% interest rate on an account down to 12%.