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事業資金調達  Financing the business funds

The other day, I talked on the phone with two friends of mine in their 70’s, who have been running their SME business respectively. 
One of them said that he can’t retire because they still have business debts he raised. The other said that he wants to sell the factory and his private residence not to leave the debts to his son. 
They may appear to be doing fine as company presidents and sometimes to be envied, but things do not go smoothly as the others think because they depend on the borrowed money called business funds, which might be just like a drug in a sense.