working only with you and your wife are an advantage, already. And this has nothing to do with your loan applicationl.When you apply for any business loan from any bank, they just require you to submit the following: Business permits, mayors, bank account statement, your number of years in the business, collateral in some cases. More likely, they are looking on your capacity to payback the bank on any amount of loan you are acquiring from them. But there are also these so called executive loans, wherein there is no need of collateral. And definitely, they need your IDs, Residence Certificates.
NOT having to hire+pay employees is a benefit. The banks will look at you and your wife as the only workers as your business being stable versus being unstable by having to spend money on employees.Don t worry about the issue your asking us... employees or not, the banks look at other things to see if you can pay back the loan.Good luck.
I wouldn t think so, as long as you and your wife can realistically meet your financial goals set out in your plan. If anything it is one less expense. I m sure they see that as you expand and grow you could have to hire outside help.
Hire people who do drugs.It s good,because you can trick them easier and pay them like 4 bucks an hour without them knowing.Then if they try to start something or quit you can turn them in for doing drugs. hahahahahahahahahahahahahahahaha
I m very sorry, really do not know how to answer you, but I believe you will find the exact answer you want
