Ask HN: Would you borrow money to grow your bootstrapped subscription business?

I've gotten an offer for an advance on my recurring revenues ($3k MRR) and would need to repay the loan by giving up 5-10% of my monthly sales until it's paid off.

I could use the cash to pay for some design help, but not sure if I should just wait until my business generates enough money to hire a designer.

Anyone have experience with this?