Finally how about looking into introductory credit card deals with zero interest for a year or 6 months just to give yourself breathing room so you can make a decision going forward. 

Take a breath.....I'll wait...................................................................................................................................................................................OK.Now my comment. 

It was supposed to simplify things and at nearly 1500 pages that doesn’t seem to be the case but still lots of much needed change.I am not holding my breathe either but the noise from council and the committees is that they are going to get it done and fast.  

You might be able to find a lender that does a shorter seasoning period, @Boone Bergsma, but don't hold your breath. 6 months is standard.

One breath can kill a person. 

Sorry for the psychoanalysis but you serious sound just like me...lol I’ve learned to take a breath, put all this on a board or some notes and walk away, come back and if it still makes sense make a move.

Step one is to get your self described spending problem under control, once you do that you will have a bit more breathing room and hopefully you won't do anything out of desperation. 

@NA Martin you need to step back, take a deep breath, and start fresh. 

first piece of advice- Breathe!

Businesses are like living breathing entities they need your attention and skill set, until you put better people in place.