Own and borrowed capital

Capital contributed by the owner or entrepreneur of a business, and obtained, for example, by means of savings or inheritance, is known as own capital or equity, whereas that which is granted by another person or institution is called borrowed capital, and this must usually be paid back with interest. The ratio between debt and equity is named leverage. It has to be optimized as a high leverage can bring a higher profit but create solvency risk.

http://capital-edu.blogspot.com/2010/12/own-and-borrowed-cap...

Equity is one of those words in property investment that is bandied about by many yet understood by relatively few.
For small business owners, the definition of equity is simple:

It is the difference between what your business is worth (your assets) minus what you owe on it (your debts and liabilities).

Equity = Assets – Liabilities

In other words, the equity you have in a business is how much is actually yours, as opposed to the banks and any other creditors, if you were to sell it.

https://www.realcommercial.com.au/news/equity-guide-small-bu...

Keep in mind that banks will most likely require collateral for a small-business loan, which means you’ll have to pledge an asset for security of the loan. Although a default could result in forfeiting the asset, putting up collateral is likely to get you a lower interest rate on the loan than what you’d receive with a business credit card or an unsecured online loan.
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The lending requirements are more stringent for business loans through banks than with business credit cards and online lenders. You’ll likely need to supply the bank with personal and business financial statements, profit and loss statements, income tax returns and a detailed business plan to prove you can repay the loan, and you’ll need good personal or business credit and collateral. For larger loans, a down payment may be required.

https://www.nerdwallet.com/blog/small-business/business-cred...

see
Polish term or phrase: kredytowane nieruchomości
English translation: real estate financed (by bank loan) / credit-financed real estate
http://www.proz.com/kudoz/polish_to_english/finance_general/...