The right circumstances
I had to go back and see if I read that correctly, the part about the $1000 bankroll. It's sort of like this... to borrow money to gamble on is crazy AND stupid. Flash pointed out about those people whacking a credit card at the cage and paying outrageous fees to do this. They lost big before they even lost! (Or are about to continue to lose since I doubt those people strolled into the casino with zero cash on them and only a credit card to play on). AutoMonkey had an interesting twist and a great way to scam yourself a bankroll together but that only works if you have no diversified assets, real property, etc. and have no problem having your credit destroyed besides. Of course this also means that if you bust out your bankroll you have nothing and get to live with those people under the drainpipes talked about on another message thread...
Let's talk about the right circumstances (and the ONLY circumstances that "borrowing" up a bankroll makes sense). The drawback is that there is only one and you DON'T qualify. A professional card-counter with a proven track record getting "financial backing" or involvement with team play and not a loan at all. Even this is not too feasible--why is that? Because a professional card-counter with a proven track record does not NEED or WANT anyone's financial backing. He has made enough to operate quite comfortably on his own. I have had an offer or two over the years along the lines of "financial backing" and flatly refused it.
In the case of a long-term investment (rather than a loan) you lose some of your hard earned money and there is only so much of the pie to go around! Let's say over the long haul you average $25-50 an hour; Let's say also this is about the very best you can do (proven out over a long period of time, years of play) with a relatively large amount of money backing you up to keep ROR minimal. Chopping that small amount up means you could do something risk-free that you could make more money at, such as a convenience store clerk! Things swing up and down and back and forth in the THOUSANDS but ultimately if you are the best there is you can plow out a reasonable hourly income (based on averaging out years of play). Chopping up this profit means you make just about nothing for your monumental efforts. In addition to that if things go bad theoretically your investor(s) could pull the plug on a whim! You essentially answer to them! You would also have to be playing higher stakes in order to meet "the vig" to investor(s) and still make a livable wage. Higher stakes means more scrutiny, more moving around, more paranoia, more problems, etc.
A $1000 dollar bankroll means you DO NOT have a tried and proven track record. It also means that you do not have enough money to even call it "a bankroll". It's a "catch 22" situation. Those that have money can easily obtain more money (with strings attached) but don't need it or want it and those that really need it can't afford it. They are insolvent enough that they shouldn't borrow it and are obviously too high of a risk for any potential lender, public or private. Do things "under your own steam". If you can perform the miraculous and make a profit on a $1000 bankroll and make it grow into something significant, eventually you will not NEED or WANT anyone's financial backing even if they OFFER it to you. If you borrow money at interest, the pathetically small expected income will be eaten up by interest and you make nothing, fighting an uphill battle doing it. If you have "financial backing" you open yourself up to lots of potential problems and the pathetically small income is even smaller!
Understanding the financial management aspect of blackjack is as important as being able to count. Most everyone fails for one reason or another and this little thing goes right up toward the top of the list! One time I was with a friend at the casino and they remarked to me,"Holy sh*t! You made nearly $3000 dollars today!" after we stopped by the cashier's window. I paused, thought about it and said, "No, actually I made roughly $35 an hour." "You only played about 2 hours, so that's $1500 an hour!" He couldn't comprehend the concept... few casual gamblers do. One day does not count... one WEEK does not count... with this all being the case, I have determined that if you play it carefully and play a perfect game, you will make $1.75 an hour on your $1000 bankroll. They have a $1 minimum table at the Isleta casino in New Mexico during the weekdays...
I heard that Jennifer Harmon, (the professional poker player) at one point years back essentially busted out to broke and had to borrow $10,000 to keep rolling. She was even considering giving up poker because of this... over the bad run and being forced to borrow what in the grand scheme of things is a very small amount of money. She had a proven track record though; She came back from the brink of doom and slid by to come back. She did this because she is one of the best poker players in the WORLD! She fulfilled the criteria for this unusual or special circumstance that so few can. The world of blackjack is much the same and only the best make it; To risk money you don't even have makes it even ROUGHER and you DON'T have that tried and proven track record backing you up. Joe Blow the Eskimo typical bonehead that is busted out and looking for more money to gamble with... I would rate as a problem gambler type that will only lose MORE given the opportunity as my first guess.
The summarization of all this leads right back to the very first few posts on this thread!