Some of the pessimism may be from really competent folks who realize that a business environment that is so hostile that companies that essentially have infinite money compared to you start tightening their belts and let you go then won't rehire you...
...may not be the best environment to go and start taking out loans to open your own business. Especially not for a micro-SaaS where profit margins should be something like 80 something percent on a terrible day.
SBA loans are better matched for opening a business where your margins are in the single digits and you need to pay vendors X weeks out before you can make a single sale. Not selling software you can write for $0 and host on a $10 VPS.
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Some of the pessimism may be from really competent folks who realize that a business environment that is so hostile that companies that essentially have infinite money compared to you start tightening their belts and let you go then won't rehire you...
...may not be the best environment to go and start taking out loans to open your own business. Especially not for a micro-SaaS where profit margins should be something like 80 something percent on a terrible day.
SBA loans are better matched for opening a business where your margins are in the single digits and you need to pay vendors X weeks out before you can make a single sale. Not selling software you can write for $0 and host on a $10 VPS.