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actually it depends on your business initial investment and for your access for finance , and its your feasibility study recommendation, in addition keep in mind their is some principles should be taken into considerations when starts new business such as cash flow, net present value, internal rate of returns, all will help to know what is initial amount for investment,
i will recommend to read about " think small principle for SMEs"
follow the link
http://europa.eu/rapid/press-release_IP-08-1003_en.htm
