Michael,  First you need to cover the basics.  You need to understand your cash flow, working capital needs and your growth goals, both short and long term.  Once you understand these, you can project out what you should be requesting from your lender or what you will need now and what you will need down the road.  There is no reason to take the entire amount upfront if the lender is willing to work with you as needed.  Why pay interest and fees on money that is just sitting there.  Only take the funds that you can put to use and make money on.