The amount of money that you can borrow varies. The amount that you can borrow depends on certain criteria such as how much you state that you require in your business plan, how much collateral or personal investment you are willing to put into the business, and, to some extent, personal credit history. It is up to you to gather the appropriate financial data to make informed projections regarding start up costs. These projections should show you how much you need to borrow and help you determine your ability to repay the debt. However, the decision regarding how much you can borrow rests ultimately with your lender.