Startup Loans - Should I take a loan out for my business?

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Toba:
"Good morning Evan thanks for all your mails, they have been quite helpful and inspiring however I'm confused about something.
I run a jewelry making business and its still small I really need to get an office to ensure more sales and to embark on the next phase of my plan which is to start a training center. But a lot of friends and coleagues are advicing me against it saying its not yet time and I should hold on till I can conveniently afford it without taking a loan or asking for favours but my gut is telling me the time is now and I should take the risk even if it involves a loan.
I don't know, please what do you think Evan?"

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