Should I include owners' salaries in my startup budget for loan application?

There can be. Debt is generally 'cheaper' than equity and also allows for flexibility in the event of default. Further, tying up equity precludes other investments.

If your looking for financing and not wanting to give up equity you could try to get venture debt. Check out Hercules http://www.htgc.com/ and their competitors these companies can provide big loans. Be ready to provide a lot of info on your company and your financial health. Be aware these companies exist to make money so make sure you end up with payments you can handle. You'll also have loan covenants which will outline certain financial performance metric you'll need to hit. If you miss covenants your loan terms will change for the worse and it can even end up with bank taking control of your company. Obviously a worst case scenario, but you need to be aware and make sure you are very comfortable with the covenants you agree to. - mike

Generally speaking - having access to more capital is a good thing - particularly when you aren't hemorrhaging equity to get access. Have you talked to the bank about closing on your "need" amount, and having them convert the remainder into a line of credit? Beyond that - this really comes down to a few loan terms, and some math. How does it impact the payment? Are you comfortable with the payment on the higher amount? How does it change your break even point at the cash flow level? Are there prepayment - early payment penalties? If so, are they worth the additional capital in the event you don't utilize it and want to pay it down? How is the loan interest calculated? Is it simple interest or amortized? In the case that its simple interest, you'll pay that interest regardless, because its rolled into the loan from the start. In any event - best of luck with the upcoming launch and solving the marketing challenge! Happy to help you dig into that further! Ryan Rutan

Let's first of all position who are the audiences for an Immigration Firm. If we classified immigration into: 1- Skilled immigration (Employees), and 2- Business Immigration (Investors) Skilled Immigration fees are affordable and due to the high competition the Professional Fees are competitive and payment plans are there to attract more clients. HINT: Despite that, Applicants have to conduct an overall check up about the credibility of their meant immigration consultants. On the other hand, Business Immigration which involves a bigger amounts of fees and investment are treated somehow different. As per the country of destination and the route of immigration which is almost limited between Property Investment, Financial Instruments Investment and Donation varieties of payments plans are offered to attract Investors. In other words, Legal Fees and Processing Fees are considered as a small portion of the Deal which doesn't shape a concern to Migrant Investors rather than the tool used for immigration and the success rate of that firm. HINT: When choosing an immigration program it is preferable not to pick Immigration firms relying only on RCBI programs (Residency & Citizenship by Investment) as the risk lies in the project continuity as per the demand which to some extent can delay the whole immigration files under that project.

That question can only be answered by taking your goals to a marketing company. As a web marketer we try to understand not just what the prospect is looking to achieve (leads, branding, increased profits, etc.), but by what means they feel is the best way to achieve those goals (social media, content messaging, SEO, etc.) It also helps to know how aggressive they want to tackle it. Most companies understand that despite wanting it all, their budget limitations might prohibit an all-out web market assault. With these considerations we develop a proposal that we feel will produce a successful web marketing campaign, providing the best value within whatever limitations they set. In terms of raw numbers, a web marketing campaign itself can be as low as $1000 per month (not very aggressive, even for a small, niche site) up to $10,000 per month, which ultimately may not be aggressive enough for even a large site.