Your process is an excellent one.

Conjuring up a State of Being first, that matches what you want, before taking physical action is always going to provide you with the shortest route to get what you want.

Regarding borrowing the money, you have to ask yourself if borrowing that money feels like the best course of action for you right now. It may not feel good but does it feel less bad than all the other options you have available to you?

If so, you may be making no mistake at all and that may be the correct course of action that aligns with your beliefs regarding money right now. It could be that your belief system as it currently is may not allow you to have the money right now without borrowing it. I can't say - your belief system is unique to you. You would need to examine your own feelings and beliefs about allowing the money through borrowing it compared to allowing the money through generating it yourself.

If you still feel hesitant about borrowing the money, I would continue to cultivate that "state of being" (generate the feeling of having it) and wait for the next inspiration to come to you from that state. Don't try and force the inspiration or keep looking for it, it will make itself known to you when the time is right. And even if you miss it, it will keep making itself known to you until you notice it :)

The job of your physical self is always to come up with "What?" you want and "Why?" you want it.

The job of your broader (non-physical) self is always to come up with the "How?" for getting it.

So to answer your title question, just remained focused on the ultimate goal and trust that the specifics of the "How?" will be inspired to you (or even enter your physical reality by itself) when you are in a vibrational state to hear it or accept it.