Leveraging other peoples money is a core business tenet. Having a solid nest egg to protect yourself against bad deals with loans against them is a handy thing to have, but, as they say, never spend your own money.
The problem is not so much the idea of getting a loan, it's the matter of how the lender secures the loan when the borrower goes of track, gets their cargo lifted in deep space, misjumps, comes back with a story "yea, but..." and returns a load of merchandise ruined with laser scorch marks all over it.
Financing a ship is easy(-ish) as you have a monster chunk of valuable collateral. But lenders aren't really interested in a 20 tons of pork bellies should your deal gone bad.