另一种克服营销成本的方法是向银行申请贷款。银行贷款在还款期和还款量方面是灵活的。申请贷款的人必须有良好的资质(Lewis & Churchill, 1983)。从银行贷款的过程是漫长的，但它确保了企业不会吸收所有的储蓄。
Monetary Constraints: Big businesses are backed by venture capitalists or big fund houses. However, when it comes to small businesses, getting funds is not an easy road. Starting a small business and then marketing it requires a lot of money and it has happened in the past that people put in all their money to start a business. If it fails, then they go bankrupt (Ang, 1991). The owners should consider this aspect and plan their spending accordingly. Therefore, in order to save the savings and manage the business’s money efficiently, there are few points which the business owner can take into consideration.
The small business owners should consider starting business when they know that they have enough money in hand and a setback will not make them bankrupt. The best scenario is when the business owner has enough money and is not considering taking a loan because no loan means no interest to be paid. Marketing involves a lot of money and hence money poses the biggest challenge when it comes to marketing. It is considered to be a necessary evil and the business has to invest in this aspect to ensure they gain visibility.
Another way to overcome the marketing cost is to apply for a loan in a bank. Bank loans are flexible when it comes to the repayment tenure and the amount of loan required. The prerequisite is that the person applying for loan should have good credentials (Lewis & Churchill, 1983). The process of taking a loan from the bank is lengthy but it ensures that the business doesn’t soak up all the savings.
Marketing activities like giving advertisements, radio broadcasting, and printing ads in newspapers require a lot of money but the visibility which it gives is the return on investment.