How does one come up with cash to start a venture like this?
You borrow it.
“Hard money” hasn’t been used since the mid-20th century. The US went off the gold standard under Franklin Roosevelt, and abolished any connection with “hard money” (gold and silver) under Richard Nixon. That’s why something worth a dollar may be worth more or less than a dollar tomorrow, even if its inherent value is unchanged.
You borrow money to lend it?
Learn choshen mishpat if you plan to do business with yidden.
Apushta you’d be surprised to know how many Jews are in this business.