You don't have to have money to get a line of credit for the business. The feasibility study is what the bank looks at and it it thinks it's feasible, then money will be made available. I've done one which took months and as I worked on getting the information more questions seemed to pop up for which I had to get the answers. Once all your costs are in you then have to project your income which is nigh unto impossible. Tack, especially saddles can sit for a long time taking up floor space that may be more valuable for selling other items. You need to be able to hire knowledgeable staff even if part time. A distinterested student can kill your business in no time. I need to add. Most people buy one or two saddles in a lifetime so there's a whole bunch of people who won't be buying saddles.