My two cents..
I believe the biggest risk is if the owners, cannot keep up with the repayment, whether you can sue them and recover, your capital
A business can fail for lots of reasons, even if they had good intentions, when forming - in Aus, around 75% of startups supposed to fail within the first five years
You might know that, if it's a sole proprietorship or a partnership, the owner'(s) liability extends to their personal assets. However they might not have enough personal assets to repay the investors/ lenders/ creditors, when winding down, so you can only hope for a share of the business assets at liquidation
If the incorporation is via forming a limited liability company, then they only lose their own investment in the share capital, made when formed - that means they are not liable to pay your investment with their personal assets and again the only thing you can hope for is for a share of the business assets at liquidation
The poster appears to suggest that it's a Limited liability company
I believe the Golden Key saga in SL was a (painful) reminder of the owner's limited liability at liquidation
I am not sure whether this is the right advice but in where I live, every employee has a retirement fund, called the Superannuation just like the EPF in SL. The fund invests in all sorts of ventures, from low interest earning bank deposits to high yielding shares etc.,
So if you have excess cash and invest the same in your Superannuation fund as a member contribution, it will grow and you can encash it, when you retire at 67
Usually the rate of failing for a Superannuation fund is less in Aus because of the expertise and qualifications of the management and rules and regulations
EPF in SL has been operating since 1950s and has trillions of assets and never failed, touch wood..!
However I am not sure if member contributions are possible with the EPF fund in SL