Additional time spent on this problem does not make your startup more likely to succeed. If you borrow a trivial sum of money from family, repay them, optional

Additional time spent on this problem does not make your startup more likely to succeed. If you borrow a trivial sum of money from family, repay them, optionally with interest. The end. (In the McKenzie family, at least, saying the word "interest" causes a heck of a lot more strife than 5% APRs are worth for either side of the conversation. This may be true in your family as well, in which case just pay them the principal and be done with it.) They can use the money to buy CDs with interest distributed monthly if they wish to, which offloads lots of tedious grunt work to banks that have systems and processes in place to deal with it.