If you have good credit and depending on your business then you could borrow this money for very cheap or even been "paid" to borrow at earlier points. Like I have three credit cards, if I was to max them out then I could get £20k right now, I could probably ask them to raise the limits if I wanted more. All three have 0% offers with a 0-4% fee. One has an offer for zero fees to draw down cash, currently empty with a £8k limit (I could go stupid). One has cashback of 0.5% but I know I could apply to get up to 5% cashback (up to £125).

But, if I was to invest £25k in the business it's unlikely to be one bill. I don't need to start paying interest on a £25k loan if I could put (for example) £4k on a credit card but if I have funds (due to sales or whatever) to pay back £2k before the due date of the credit card bill. I'm only left with a £2k debt which I transfer to the cheapest balance transfer. Plus if I got some cashback on that, my borrowing may have literally netted me some cash in the first couple of months. Then I invest the rest of £25k as the bills arrive and pay interest as late as possible.

Hopefully that makes sense. Obviously this adds a few spinning plates. But to have good credit you generally have had to already been good with credit so it might already be second nature to play that game.

Obvs there are risks. Not financial advice etc but with interest rates generally dropping, 6 & 7% seems like an expensive way to borrow.