This includes many areas such as overhead costs, how much money is available, and if we need to borrow, how much. We must also consider our personal financial situation as we are a family business. While father and son had the money up front to start their business, we needed to determine, if necessary, how much money a bank would be willing to lend the business if something extraordinary or unforeseen circumstances arose. We felt that Father and Son has a good understanding of our financial weaknesses and