There's also a place where you can get a loan on the Web Loanwise . The other mistake people make is overbuying equipment or not buying equipment when it's really needed. A lot of times, you'll see people deciding they're going to start a business, and they buy every piece of equipment under the sun to start their business. They're going to have to do a lot of business to cover those costs, and they probably didn't need half of what they bought. Going slowly and not overbuying is another way to keep your budget in tune and not go broke.
Some businesses have to spend a lot on advertising.
If you're selling to consumers in a mass market kind of situation, you have to budget a lot for advertising. You have to look at the nature of your business and then set realistic estimates for what it's going to cost. If you've been in business for a while, look at your past records to see what you've been spending and if there are places where you can trim costs without harming your business. You talk about advertising taking up a huge part of the budget. One is to be sure you're advertising to the right market.