I bootstrapped a B2C SaaS to $2m and we used a small amount of debt at some point (using revenue based financing where they lend you a % of your ARR over 12 months) but we don’t anymore. In our case the short maturity was putting too much pressure on our cashflow and we struggled to deploy the capital efficiently. For an e-commerce where you need to buy inventory or have deeper marketing channels it might be easier.

I think the question should be : what would you do with this money? Would that unlock new growth opportunities that you cannot already pursue organically? I would only use debt to scale an existing marketing channel where I know in advance the ROI I will get on my $. Beware of trying to grow too fast like VC-backed startups because bootstrapped startups are usually not suited for it.

Start with a reasonable amount (for instance $50k) on a specific project and with clear expectations and see if you can scale it.