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I try not to use borrowed money for flat rides but will borrow large for a coaster.
The game seems to favor coasters for profit and use flat rides as only a booster for guests.
Hope you find this useful.
You're going to go into debt and that's fine.
Set loan payments to maximum and just turtle it out until it's paid off.
You'll turn a profit when it's over.
You can do the same thing with research.
You get a discount for setting payments to maximum.
Also the teacups flat ride is great for making a profit.
High guest throughput and you can charge a lot for it.