Honestly, your best bet is to have a solid plan with artists renderings, traffic data, marketing plan, and demographic information and secure investors. It’s always better to use someone else’s money. Especially when the business starts to scale and they are willing to invest more.
The only drive thru coffee shop? On a busy road? There might be a reason for that.
I’ve seen Starbucks reconfigure entire city intersections in order to place a well thought out drive thru.
If you go the loan route be clear about the repayments and factor that into your daily revenue needs. Above all else make sure you will not need that loan money to keep yourself afloat, so you will need your own money while the business makes nothing for the first 2 years or more.
The economy can take a turn and suddenly $8 coffees aren’t in the budget anymore.
If it’s your dream, go for it. Do it smart though. Go to the chamber of commerce and ask for time to pitch your investment to local business owners. People that can attend a breakfast at 10 am and not be at their own business are the people you want.
At the end of your presentation ask for constructive criticism, and take note of every question they ask. It will take time.
A good rule in business is to hire for the tasks you don’t want to handle. Sounds like you need some middle management.