The only way that could work is if you obtained a loan with a very low interest rate, say under 2%, and a period of 10 years or more, and you just put the money in and leave it, paying back the monthly installments with your own money. During the pandemic, I was able to obtain a government-backed company loan with a 2% interest rate, and all of the terms were quite favorable, including payment holidays and the ability to prolong the period to reduce the payment, among other things. But, while I am investing some of the profits in the stock market, it just made more sense to invest in my business. This type of financing would make sense over a ten-year term at the very least. If I were you, I'd maintain depositing money into your own account on a monthly basis; if you do this for 10 years, you'll have a decent sum.
