How Much Money Do You Need?

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.