You typical borrow money if you have a cashflow issue. Example: you need to order the parts to make up an order and ship it but don't have the cash for parts. You can then lend against the invoice and hopefully all goes well and you pay the lender back once the order has been paid by the client.
You typical take investment, when you have a cool idea and you need cash to set up the operation and you sell a stake in the company to someone with cash to make it happen.
Specifics on lending will come only from lenders. They will review you based on what you have and how risky you are (and you sound high risk).
Just to restate. IMO, fixing your messaging so investors/advisors understand you better, thats likely your best bet. If you make ugly UI. Consider a service like http://www.sketchdeck.com/ .
I found this on your site http://www.spiritway.co/hostwise . It looks like it does some cool stuff potentially investable stuff. I had to hunt for it though and its UX and cosmetics don't do you justice. Also, when I type your naked URL in I get a blank page. These are red flags to investors, that you make just make tech and are not building a company.
If you can earn good money, earn the money and pay out of pocket from not debt. Do consulting on the side (that's what I do with aperations while I am ramping up Tinycall).
I know of companies (on a personal level) that have used credit card debt as you describe and I give you my warning, its a very dangerous game to play. From what I see from you, you shouldn't be at that stage yet. where its logical.
Using money from investors to grow your business, should be your goal. Investors make money by investing in companies and selling the stock after the value goes up or from dividends, aka they win if you win.
Banks/lenders, have cash (often other peoples cash) and make money lending it (not 'investing'), they don't like to take on risk so they want assurances that if you fail they still get paid back, they then make money through interest (which is not tied to your success). These are very different models.
To be fair, if you did a credit card/bank loans route and it paid off, you could do well out of it. So long as the company succeeds and you can pay back the debt. It's cheaper than giving up % of your company to investors and may get you funds faster. Just know you have to live with the downside if it fails. Consult your accountants and legal people so you understand the risks fully though!
I've seen VC's tell founders to max out credit cards before "if they believe in the business". It's crazy IMO to not share the failure risk. If you need to use a credit card to fund the business, you can't afford to that level of risk. On the other hand, if you have $1M in the bank, it might not sound risky at all.....
Do the easy fixes first! Then ask for feedback on your pitch from people you consider friends and take it from there. Forget the credit cards.