I am going to give you some suggestions here. I want to say, I am trying to help and not puting you down, so if you get the put down "vibe" from me, that is not my heart (sometimes I might come off as blunt, but I really care about you!)
Before you spend $1.00. Start the company and do the work yourself for 3 months. See how the bidding goes, test the waters. Then go for it, not before. Read the books The E-Myth Revisted
before you start.
I am a 100% green company. If it does not pass a A at www.ewg.org
I do not use it! For 90% of the time I have found they work better than chemicals.
I always have profit. I would not run a business without profit. I take home 20% of gross profits.
I started my company for $150. I now have 14 people working for me 5+ years later. I think a better question is, how fast do you want to grow? Is it wise to spend 15k when you haven't done this before? Have you run a small business before? And I would never us a loan of any kind (credit card, SBA, mortgage, etc).
$3000 for advertising (I am assuming per month) would be a lot for a start up. I would stop there and think about what you are going to do with that money. You can easily put money into a marketing idea that does not work, it happens to me all the time. As far as a wrap, my car just got a wrap on it last week for the first time. Get some cheap magnets at http://www.magnetsonthecheap.com/
, I buy them for $10 each with coupon codes. Don't get me wrong, $3000 if you want to grow fast is a perfect amount, I am concerned about spending $3000 that goes no where.
$3000 vehicle down payment. really? Why do you need a "new" vehicle for this job. If you need a car, buy a used one for $3000. If your car works, keep it. I had a used 2000 Toyota Corolla until last month (no hub caps). It does not detour people from taking your services.
Cleaning supplies - We spend $250 in supplies per person when we hire them. Vacuum = Goodwill for $20 each.
Misc Fees - umm, telephone = magicjack
$50 per year; insurance including liability, bonding, and workmen's comp = $3000 (depends on the area too); business license in Colorado was $25.
Employee expenses - advertising for people maybe $100 + free places like craigslist and churches. Background and Drug screening $50 per person. As far as that, they only get paid when you get paid, so you don't need any other start up costs.
I would say without starting from scratch like I did, it would be nice to have $6,000 to start and 50% of that going into marketing. You need to set aside 3 months worth of marketing money because you will not have enough profits to pay for that much to start. This should be enough for 2 people to be working for you.
I say this with caution. Before you start anything, call a medium size carpet cleaning place near you and see if you can have coffee with the owner. Tell him you are opening a Maid Service and see if he will talk to you about what marketing works for him.
Hope that helps,