It doesn't take a year or two to borrow money to do business.

At present, the long-term loan interest rates of major commercial banks are all above 5%, and some even reach above 6%. If the loan makes more money than the principal plus interest, borrow it. If you are not sure that you can make money by borrowing money, there is no need to borrow it even if you don't need interest.

Loan is because you really think your business can make money, not because you want to be a boss and don't want to work.