Please find a local adviser who can help you.
If you go to the bank to get a $50k loan to rent a store for a year for $10k and buy $40k worth of ovens, the bank will be thinking, "If this doesn't work, he can sell the ovens for $20k, and we don't lose all our money". It's just like with a car loan. The thing you buy is collateral for the loan.
Will the bank give you a $50k loan without any security (collateral)? Maybe, but it is less likely.
There are two ways to do this: sole proprietorship or corporation. (There is also an LLC, but for this answer, it can be lumped in with a corporation.) With a sole proprietorship, you are Mr. Smith doing business as (DBA) Smith's Bakery. Legally (including for the IRS), you and the bakery are the same entity. You can keep a business checking account for Smith's Bakery, and at the end of the year, your accountant will file a schedule C to report the income and expenses of Smith's Bakery to calculate the business profit or loss. The business profit (or loss) will be added (or subtracted) to your personal income. If someone sues Smith's Bakery because of an unpaid loan or because you make people sick with your defective baked goods, then they are suing you. You can pay the judgement from whatever account you want, but you are personally on the hook.
If you become a corporation (or LLC), the corporation is a separate entity that you happen to own. There are extra forms that need to be filed with the state, and you have to pay filing fees when you file them. It costs a lot of money. If the bank gives a loan to the corporation and the business goes bankrupt, you are not personally responsible for the balance remaining after the ovens have been sold. That's why the bank won't give your corporation a loan unless you personally sign the note, making you personally responsible for the debt. If you bake some toxic scones and people sue the corporation, they will sue you personally anyways,and they will also do what is called "piercing the veil", making you as the owner personally responsible for the judgement against the corporation.
Don't waste your money incorporating. Buy errors and omissions insurance if there is any chance of being sued.