I am concerned about what this small business is.
There are organizations that can help with small business funding. However, you need to have a 'Business Plan.' The fact that you are asking how much you should borrow makes me think you haven't thought this all the way through. You mention a marketing plan, but not a business plan. Search in your community for small business resources (often times connected to a community college). You will find someone able to assist in putting together a comprehensive business plan which will guide you to coming up with reasonable estimates for how much you actually need to borrow. The business plan is also a document that you will present to lenders to help them make the decision whether to lend funds or not.
I am afraid that by asking 'how much should I borrow', you're likely to borrow too much.
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