Appreciate your input Snoopy, it's certainly a loan and will have (minimal) repayment and cashflow impact.

Leverage to me means a chance to get liquidated. Liquidation is possible with everything in life. The $10K I put into the market today could be $0 tomorrow and the next week I might need money urgently.

I have considered my financial position with my accountant too and the real chance of liquidation is nil unless the world ends. If that happens this small loan will be the least of my worries.