A projected cash-flow table for a student venture shows months 1-3 as negative, months 4-6 as slightly positive, and months 7-12 as strongly positive. Text exhibit: Cash-flow projection table with columns Month range, Net cash after expenses, Financing implication. Rows: Months 1-3 negative $2,000 per month, immediate payment stress; Months 4-6 positive $400 per month, limited cushion; Months 7-12 positive $2,500 per month, stronger repayment potential. Which financing choice best fits a need for cash now without immediate fixed payments?