U.S. Small Business Administration*

To help you estimate the amount of financing you will need to get your venture off the ground, use the following checklist.  Keep in mind, however, that not every category applies to all businesses. Estimate monthly amount.

Salary of owner-manager (if applicable)	$__________
All other salaries and wages	__________
Rent	__________
Advertising	__________
Delivery expenses	__________
Supplies	__________
Telephone	__________
Utilities	__________
Insurance	__________
Taxes, including Social Security	__________
Interest	__________
Maintenance (facilities/equipment)	__________
Legal and other professional fees	__________
Dues/Subscriptions	__________
Lease (equipment/furniture/etc.)	__________
Inventory purchases	__________
Miscellaneous	__________
One-Time Start-Up Costs:
Fixtures/equipment/furniture	__________
Decorating and remodeling	__________
Installation of fixtures/equipment/furniture	__________
Starting inventory	__________
Deposits with public utilities	__________
Legal and other professional fees	__________
Licenses and permits	__________
Advertising and promotion for opening	__________
Accounts receivable	__________
Cash reserve/operating capital	__________
Other	__________
Total	__________

Your total amount will depend on how many months of preparation you want to allow for before actually beginning operations.

*Excerpted with permission from "Small Business Success" magazine, Volume 5, produced by Pacific Bell Directory in partnership with the U.S. Small Business Administration and the Partners for Small Business Excellence.