FBA vs FBM in Canada, and before you ask: yes, I teach FBA mainly, so why am I out here preaching FBM?
Because when you're new, you don't have a capital problem you can fix. But you do have a speed problem you can fix.
Think about it. You and a bigger seller find the same deal on sale. He orders 100, you order 20. He preps it, ships it to Amazon, waits for check-in, maybe it travels east coast to west coast, 5 to 6 weeks before his first sale. If you're FBM, yours is listed day one, priced just under the Buy Box, and you're sold out before his shipment even checks in.
Now do that on a credit card and you can sell out AND reorder before the bill is even due. That's how you build capital when you don't have any.
But it's not free money. I ship 5 times a week. If you can't ship every day or every other day, you lose the whole edge and FBA is still how you actually scale.
Question for the group are you FBA only right now, or have you tried FBM? And if you haven't, what's the blocker: space, time, or no Stallion near you?