If you are not sure how much cash to borrow when it comes to asking the bank for a loan, you need to have a CFO put together the financials for your company so you can see what your net worth is.  This way you will know how much of a loan your company can afford before you approach the bank.  This is important to know.  Further, the financials will help the bank decide the amount they are comfortable lending to you.  After all, they don’t want to lend too much because if you cannot pay it back, then they are stuck.