£100k madness
By taking your time and paying as you go you will save a lot of heartache and bank charges!
There are thousands of options for those with the guts and creative minds!
GA is NOT dead by any means! Just look at the revival that diesel engines and NetJets have had on that industry in the EU.
If you are brave enough to leave Blighty/EU for a year or two you can get Aussie, US, SA licences for a fraction of JAR ones and convert them later WHEN you have 1000s of hours which might include B200 Flying Doctor work, Lear time or C208 Bush flying.
There are jobs out there for those willing to sweep hangar floors and instruct for £20/hr.
There are even UK FI jobs paying £20k plus for SEP work.
Keep a LONG term goal - it might even take 10 years to get the ATPL and Jet job you desire. Far better that route than to go straight from Seneca IR to B737 with nothing in between - such flying might become a job just to pay the bills no interesting flying stories to tell in the cruise above FL100!
ANOTHER REASON TO GET EXPERIENCE (or at least to keep learning whilst working at the Golden M):
There is an interesting article in this months RAeS magazine where 14000 hr Capt J Cox laments the loss of the pilot apprenticeship culture we had before the likes of Ab Initio courses and pay for your Jet Type Ratings.
He states quite bluntly that Airlines now have far lower experience levels in the cockpit with new FOs learning from relatively less experienced Captains than those of around 10 years ago. This he puts down to the rapid promotion rates in response to the last pilot shortage.
The thrust of the article is about High Altitude Aerodynamics and 3 examples of Airliners stalling. In each case the pilots lost control and disaster ensued: October 2004 CRJ FL410, August 2005 MD82 FL330, Aug 2006 Tu144 FL410.
Most of the Sim Stall training on a type rating course considers situations between FL100 and FL150 where engines and wings respond quite differently. Most simulators are unable to accurately represent aerodynamics beyond the stall - rather like many are poor simulating landings.
So the training needs to change or the pilots need to arrive with more experience / knowledge of the operating environment.
And yes it is possible to operate a B200 at FL350 but beware of windscreen cracking and possible de-pressurization!