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A good rule of thumb is to have twice the amount of capital on hand equal to your expected loan volume. In your business plan a large part of your income (about 1/3) is generated from loan interest. So if your plan shows you having and maintaining $25k in loans a month, that would generate $6250 in interest. So, on average, you should have on hand or access to at least $12k. Your startup cost varies with factors like rent, but generally you can get started with around $30 - 35k all in.

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