I think your first port of call would be your accountant or tax advisor.

However I believe that if you subscribe for shares then should your business fail then you can offset the capital loss against future income, i.e. you can recoup 40% of your loss against income tax not future capital gains. I'm not up to date on this but I know it used to be so. Hence contact your accountant or tax advisor. With the loan method you may charge interest but of course if your company fails then you might not see any cash back. I'd be interested if anyone can confirm that this is still the case.

Also, start ups need to preserve their cash so I would lease where possible rather than buy, but individual circumstances may dictate otherwise.