Use savings or borrow?

I am setting up a business this summer and also building a townhouse (accomodation over shop) before the end of the year. I have already paid for my site, and have €35000 in savings which I was planning to use for building.

However, this leaves no money for business start up costs. I was going to borrow this as a business loan from a bank. Would it be more advantageous for my personal finances if I loaned the €35k to the business and borrowed from the bank for building, or if I left the money where it is and borrowed for the business?

might be useful? - business fact, 75% of business closures is due to cashflow problems. My advise as long as you get a good rate - use someone else's money.

Youn are likely to be able to borrow at a much lower rate to build the townhouse than you are to start the business