If you do not imagine it is possible for you to to repay the non-public mortgage you're taking out, then you want to cease right now. If you'll be able to make well timed repayments, then a personal loan could assist. In case your personal credit score is unhealthy (300 to 629 FICO), you will have fewer options — and you will possible pay larger charges — but securing a small-enterprise loan continues to be possible.