This includes many areas such as overheads, how much money is available and if we need to borrow, how much. We also have to consider our personal financial situation since we are a family business. Even though father and son had the money to start their business, we needed to determine, if necessary, how much money a bank would be willing to lend to the business if something extraordinary or unforeseen circumstances were to occur. occur. We hear that Father and Son understand our financial weaknesses well and