Are shortness of time and no clients a reason to go for a monolithic backend app? [closed]

I've a client who plans to create an application that'll let companies to offer its co-work spaces and users to be able to choose which of them they want to go. There will be multiple type of users that will be able to access different kind of applications/dashboards to administrate its data.

I started to think into building a microservices layer but then I start having doubts weather it'd be good to go for a monolithic approach.

My question is: is it ok to go for a monolithic pattern when having these concerns?:

• Rush to have an MVP in production.
• No clients, so no incomes yet.
• Good ideas, but not very defined. Only a small to medium workflow is clear and is the one I'm working on.
• Related to #2, they are spending a lot of money in developers and they need to start seeing some profit soon to be able to validate if the product works. Having a microservies layer will be more expensive than a monolithic due to more databases, instances, etc.