I started from scratch and it isn't more risky.Don’t want to start from scratch because that would be too much work and way too risky.
Its about the hours you put in. The advantage is that you can build your team as you want it.
On the flipside; In a already established business you have huge risk in that the team is already set and it might be very hard to turn that oil-tanker ship around.
But yes you might have already established working business model that is more or less working. But you also inherit all the problems that comes along with it.
So there is of course pros and cons with both models.
And by the way, just for the record; there isn't such a thing as "too much work".
You will have to work your butt off in both startup models. So the amount of work will highly likely equals the same amount of work hours in both situations. Either you are willing to pay the price or you don't.
Why do you want to talk to sales guy about running your business? (Banker = sales staff). It is like talking to the plummer to fix your car then then ask the car mechanic to fix your house pipes really. I have been in that sector for many years and know they do not know jack s'hit. But hey they will gladly take your money.This Monday I’m going to go talk to a banker
If you want real business advice about building a company, then you must talk to a business owner which is a "certified expert" in just that; running a business. Not the local sales guy around the corner in the bank or whatever.
Also why do you want to put yourself in debt as the first thing you do?
Establishing a business should make you debt free over the long run (And your business should be cash rich and not cash poor by being in debt).
That's an easy answered question:How did you get started
By picking up the phone and start cold calling, (potential prospects).
E.g. make loads of phone calls every day to generate new business.