Financial Advice

PS - I would wait. I would take the money and invest in the stock market or real estate.

With the limitation in credit now you will see a sharp increase in renters. (my predications)

Buy a one bed condo or something near a college/metro area and rent it out. Which could give you a monthly income to support you business.

Boutiques are great but you need clients first. You can easily do that without adding cost to your business from home or private consultations.