Cleaner1... you'll find after a number of years in business, the banks are more willing to work with you.   Things such as business credit cards and line of credits come more easily after at least 5 years of proven track record.  

15,000 cash in hand isn't much but it's not a bad start.  Personally I think if your building a business from nothing you might need a bit more. It also depends on what part of the business you entering.... Commercial or Residential... One is more stable the other gives you the cash flow a small business needs

GOOD LUCK TRYING TO OBTAIN FINANCING FROM TRADITIONAL SOURCES TO START A CARPET CLEANING BUSINESS. AS FAR AS SMALL BUSINESS LOANS THRU GOVERNMENT....THEY WONT EVEN TALK TO YOU BECAUSE YOU ARE CREATING COMPETETION FOR THE EXISTING MARKETPLACE.....BEEN DOWN THAT ROAD AFTER SPENDING THOUSANDS DOING BUSINESS PLANS AND MARKET RESEARCH...AND WE HAD A NEW IDEA THAT NO ONE ELSE WAS DOING....STILL NO LUCK. ALSO THE BANKS WANT SECURITY!!!!! THEY WANT CASH OR EQUITY...DOESNT MATTER...BUT THEY WANT IT!!!! LEASING IS OK BUT YOU STILL NEED CASH TO WORK WITH. I THINK DOUG OR SOMEONE POSTED $15,000 NEEDED TO START...I THINK ITS A GOOD NUMBER

IF YOU ARE NOT WILLING TO TAKE THE RISK OF USING YOUR HOME FOR EQUITY FINANCING THEN YOU ARE NOT READY TO GET IN BUSINESS FOR YOURSELF IN THIS INDUSTRY!!!!!!!

JUST MY OPINION ....BUT I HAVE BEEN DOWN MANY A WINDING ROADS FOR FINANCING AND ITS NOT EASY!!!

you even sound like Kenny

I'm off to bed

My dolls are all retro-fitted to take Big Boy Wands Steamer.........I'll have the next batch of Litte Pecker Wreckers next week to send you

                              nightrider