Assume I come to you for advice because I wish to start a small business, let's say I wish to open a small ice cream stand like the one seen here (this is actually a Tastee Freez near Pittsburgh that I actually owned several years ago) and need financing. Let's say I'm looking to borrow between $150,000 to $200,000 to secure the franchise fee, the property and building, as well as other start up costs. I currently only have $40,000 in my IRA and would be reluctant to touch that, I do have other personal assets (including my home, valued at $125,000) and other personal wealth totally around $35,000. I anticipate being profitable rather quickly and hope to have revenue of $45,000 (net) in the first year alone. My credit rating is 'very good' and several family members (on both mine and my wife's sides of the family) have expressed both support for this business venture and some small interest in being a part of the business. What is the best finance option for this business venture?