I don't know you, and I have no idea whether your idea will succeed or not. That being said, this is a crowded space, and your product doesn't sound capital intensive. Why don't you be smart and hold off on the loan and work on this project whenever you get a chance. If you have any tangible evidence that this thing will grow, then go for grants/loans and see what happens.
People almost expect web-based / cloud stuff now with mobile devices and multiple places they will want access to their notes.
I'm still trying to work out how you are going to differentiate with the likes of Evernote and co though.
So that in itself touches upon the major differentiator from Evernote and other 'cloud note' providers . Not everyone wants their most deepest desires & ideas in the cloud.
Example, enterprise applications are loaded with features and have a much higher price point. On the other side, there are may free applications out there that are much more lightweight.
Which market you choose to target helps determine the price point. That price point will drive the selection of features that go into the product.