So, when I started out, I was flat broke. Since I had about as much experience as what you’ve explained you had, I knew what tools I needed. I made a list of all the minimum good quality tools that I would need to start,(I am still working with those tools today plus some others I’ve added on). added up the cost, booked a residential job that would cover all the expense, bought tools on credit (less than $300) then did the job, and paid off my credit then boom! I now had my tools to get running on my jobs
And good thinking, keep it all honest, get all your work by never stealing it out from under someone like that. Down the road though, you may end up with some of your current clients.