This sin't the type of advice you asked for but I'll give it anyway. One of the reason that most small businesses fail in the first two years is because of debt. I don't believe it's a good idea to go into debt to start a business particularly a horse related business. If you are deep I debt sometimes it only takes a hiccup to put your business in cardiac arrest. If I were you I'd find a good job and eat nothing but rice and beans and drive an old clunker car until I had the money to build what was needed. You'd be suprised how soon you can save serious dollars when you get serious and live by a budget.
There's nothing like the Rockies in the springtime... Nothing like the freedom in the air... And there ain't nothing better than draggin calves to the fire and there's nothing like the smell of burning hair. -Brenn Hill