My opinion Idk the kind of business u want to start but it is is so risky and maybe unnecessary amount of loans u are asking if it is a small bussiness. And you should revise ur bussiness plan and show it to someone who can give u a good ideas and suggestions, someone on the bussiness field. To get loans that much u are lucky if u have some relative working on banks. since banks have a policy to give loans for employees aloan without interest if I am not mistaken. But if u are the ones you take the loan directly as the others said you should have private property with legal documents showing the ownership. Or someone in your family who had. For better info u should better go to nearby banks and u can get more explanation on this