I'm glad your group is finding a way to make it work at the micro level, but at the macro level, it's going to be a plutocracy with a bunch of oligarchs that operate the nationalized monopolies. It might not be the case that you couldn't finance your business' capital goods and eventually own them, but in true communism you will simply be unable to play the game independently. The government will seize capital and represent a behemoth against which you cannot compete.