text: It depends on if you want high risk with you owning everything, if this is the case go after bank loans. If you want to have little risk to yourself, then go with investors, you won't own everything, but if you put up enough capitol to own 51% of oyur company then you can make all the decisions for yourself. regardless you should incorporate, this prevents you from having to pay everything back if you're clothing line goes belly up. Hope this helps you.