Business loans or credit could be from banks cooperative societies and friends and must be repaid in due time while partners in a business could also contribute for the initial capital needed for the business to take off Out of all personal savings is still the best for any new beginner in business

Could you correct the punctuation please?
Business loans or credit could be from banks, cooperative societies and friends and must be repaid in due time, while partners in a business could also contribute for the initial capital needed for the business to take off. Out of all, personal savings is still the best for any new beginner in business.