Your startup requires $100,000 in funding. You finance the full $30,000 through a combination of $20,000 on a credit card at 20% interest, $45,000 from a personal loan at 4% interest, and $35,000 by selling shares in your company with an agreement to pay the shareholders $5,000 in dividend (total, i.e. $5000 divided evenly amongst the shareholders) per year. Your startups tax rate is 15%. What is your after-tax Weighted Average Cost of Capital?