It's a good idea. Small business loans are a thing, I have no idea how to navigate them though. But I do know they're sometimes provided by nonprofits and NGO's. Office space rents haven't declined yet, but if the market overall takes a downturn, that will probably be some of the first real estate to feel the heat. Lots are sitting empty with the landlord holding out for a higher price they think they can achieve, so maybe look at the price history of some near you. If they're starting to decline, decent chance they'll continue. Could even start out in a strip mall, then expand to your dream facility type after getting off the ground. Only thing I'd be real worried about is physical security, in any scenario. People love stealing computers and such. It sucks.