Private limited company

See some banks consider loan from directors / shareholders also as capital. But it some banks they dont accept.

Your credit ratings will be based on the equity of the company.

If you have more equity then better the chances of getting finance.

As per Companies Act, 1956 there is no problem in doing the same. No debt equity ratio is prescribed to be maintained. The only concern is the finance from bank. They hesitate to give loan if there is a low capital base.