Start-Up Costs Worksheet:
Instructions
- These two worksheets list the things you need to consider whendetermining your start-up costs.
- The first worksheets includes the one-time initialcosts needed to open your doors.
- The second worksheet covers ongoing costs you’ll face eachmonth.
Capital Requirements: One-Off Start-Up Expenses
| Start-up Expenses | Amount | Description |
| Advertising | Promotion for opening the business | |
| Starting inventory | Amount of inventory required to open | |
| Building construction | Amount per contractor quote and other | |
| Cash | Amount needed for the cash register | |
| Decorating | Estimate based on quote if appropriate | |
| Deposits | Check with utility companies | |
| Fixtures and equipment | Use actual quotes | |
| Insurance | Quote from insurance agent | |
| Lease payments | Fee to be paid before opening | |
| Licenses and permits | Check with city or municipal offices | |
| Miscellaneous | All other | |
| Professional fees | Include CPA, attorney, etc. | |
| Remodeling | Use contractor quotes | |
| Rent | Fee to be paid before opening | |
| Services | Cleaning, accounting, etc. | |
| Signs | Use contractor quotes | |
| Supplies | Office, cleaning, etc. supplies | |
| Unanticipated expenses | Include an amount for the unexpected | |
| Other | ||
| Other | ||
| Other | ||
| Total Start-up Costs | Amount of costs before opening |
Capital Requirements: Ongoing Monthly Expenses
| Start-Up Expenses | Amount | Description |
| Advertising | ||
| Bank service fees | ||
| Credit card charges | ||
| Delivery fees | ||
| Dues and subscriptions | ||
| Health insurance | Exclude amount on preceding page | |
| Insurance | Exclude amount on preceding page | |
| Interest | ||
| Inventory** | ||
| Lease payments | Exclude amount on preceding page | |
| Loan payments | Principal and interest payments | |
| Office expenses | Payroll other than owner | |
| Payroll taxes | ||
| Professional fees | ||
| Rent | Exclude amount on preceding page | |
| Repairs and maintenance | ||
| Sales tax | ||
| Supplies | ||
| Telephone | ||
| Utilities | ||
| Your Salary | If applicable for first three months | |
| Other | ||
| Total Ongoing Costs | ||
| Total Start-up Costs | Amount from preceding table | |
| Total Cash Needed |
*Include the first three months’ cash needs unless otherwise noted.
**Include amount required for inventory expansion.
If inventory is to be replaced from cash sales, do not include here. Assume sales will generate enough cash for replacements.
