Business Debt?

QUESTION: Tobin has a hobby that she’s turned into a full-time job, but she thinks she needs to take out a $10,000 loan to get her small business off the ground.  How can she start her business without going into debt?

ANSWER: You have to use someone else’s equipment until you make enough to pay cash for the equipment you need.  If you start making payments on equipment for your business, you’ll find yourself making payments three years from now on something you don’t even use anymore. 

Lay out a business game plan and figure out how much extra work you have to do now to pay cash for all the equipment you need.