You seem confused. You can take a loan to start a company and that doesn't make you less of a capitalist. It's a particular strategy you can employ. Sure you can say that loans are exploitation if you want (I don't agree) but if they are it's not the same type of exploitation as selling your labor to a business that they extract surplus value from. That's what we are talking about with the proletariat not some business owner who took out a loan. Yes getting a car loan doesn't make you a capitalist because the loan is for a car not capital to start a business. It also doesn't make you a worker. It's completely irrelevant.
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