Check your structure type : http://www.acemanagementgroup.com/downloads.htmYou can get sba financing with decent credit.http://www.borregospringsbank.com/sba_express.asphttp://www.superiorfg.com/main/Default2.aspxAs long as you turn in all your paperwork it takes about 2-3 to get money directly deposited into your bank account. There is a fee but it is only paid if you get funded. No money no fee!
I believe you mean overhead and that is the all the costs of doing business whether you are making money or not....it s your operating expenses (rent, equipment, payroll, supplies, utilities, etc.). How much overhead costs are depends on the type of business you are conducting. I have a home based business and my overhead is quite low, if I moved my business to an outside office, it would be more because I d have separate bills to pay.Overdraft is usually a protection provided by your bank in case you overdraw your account. Some use your savings account, some open a line of credit for the overage, you d need to find out from your bank how they handle overdraft protection/insurance.
