I was you about a decade ago... I can't stress enough that if you don't have serious money in the bank or rich friends, you need to keep your day job and bootstrap. One approach I've seen work well even though it may be slow and frustrating - use the proceeds from your day job to hire a developer to do the work. You create the work plan, let someone else fill in the gaps. You focus on marketing / customer interaction to grow the product. Alternatively, keep burnin the midnight oil.

I do not recommend anything that smells like a "loan." This is speculative stuff you are doing, and a loan means you'll be on the hook to pay it back regardless of how it works out.