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Is it a good idea when starting a business to borrow money/loan from a bank? Would it be better to get clientele first or take a loan and set up more professionally?

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It's always better to get paying customers (clients) first. This proves to yourself and the bank that you have a viable business idea and you can sell to customers. Your product or service that you sell will be more important than the professional appearance of your business. Just explain to your first few customers (prospects) that youa re starting out and you need to prove to the bank that you can do it, before they give you funding to expand professionally. Ask those customers to give you a written letter of their opinion of your business, so you can show the bank that your business has a change with the proper funding. You will also need to keep very organized and detailed notes about the operation of your business during this startup phase, because the bank will not lend money to an un-organized fly-by-the-seat-of-your-pants business owner. Things need to run smoothly so you can grow the business. These notes must include money spent to buy materials and products that you sell to customers, and the profit you made from selling them and the money you made from selling your services, and how many hours you put in on the job to calculate how much money you can earn per day, i.e. the difference between being paid for working with customers, and doing activities liek cleaning, buying, stocking shelves, doing paperwork, advertising, etc.  Good luck.

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Thank you thats great advice :)

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