How much more would you be delayed if did contract work 2 days a week? Would your startup be more at risk of failing if you freelanced those two days a week, or if you risked surviving without it?
Debit, I think, has a ongoing negative effect... you are committed to paying $x a month, even after you've spent the original loan on your initial bad idea. Now you've gotta come up with operating cash for the business, for yourself, /and/ the cash to make a payment.
I see debit as more of a "you have this one shot... if you fail, bankruptcy" kind of thing. Which can be okay for some things... but it's not how I work. See, usually I end up doing the wrong thing first. After that, I have a better idea of what the right thing is... but if I took out a loan and spent it on the wrong thing? now I'm stuck with a pretty big debit payment. Only spending the cash I can get my hands on through the fruits of my own labour puts an upper bound on how much money I can spend on bad ideas.
Now, for me, I ended up just spending a while contracting and paying off the debit that way... if I hadn't been an idiot to start with, I'd be a year ahead now.