Sba is not going to really look at you unless you are legit and looking for a major upgrade in you 1-2 mil company. I would suggest you do a budget and try to grow slowly till you know what you can really do. Don't forget about real costs and unforeseen costs. Cutting for less draws down what the real worth is and can bite you later. Just a thought. Work on quality rather than cheap.
What ever I do I must do it right!