Hello iesebeck,
after some people have now made their remarks here.........
First of all, my suggestion
Financing with the house bank is always a problem, and especially if you want to remain self-employed.
The bank always considers the overall risk. Since I don't know your business results, it's hard to help.
I would never apply for financing without having a 100% solid package. Equity capital is only important from a financing perspective, but not necessarily required.
I know now everyone will complain about me (evil uncle) but it always depends on the financing model and the customer's possibilities.
The decision is always made by the customer (customer's wish), never by the advisor. Many "experts" still haven't understood that. There are many good advisors on the market who can help you with your wishes. Hopefully you find the right one!
Regards
Stein auf Stein