Your CD is collateral in case you default on the loan. You could loan yourself the money and pay it back if you wanted to save paying the bank the interest. But if you can't touch the CD - then use it as collateral for the new loan and pay the loan off as quickly as possible (less than 6 months). You'll build credit as well for doing this.
If you haven't been in the business before and you're new to the industry - as mentioned, try working for someone else first to see if this is what you want to do with your money.
Lawn Lad, Inc.