SMB Tools / Startup costs
How much to open the doors?
Add up what it costs to open and to run for the first few months, with a cushion for what you forgot, so you know how much capital you really need before day one.
One-time costs
What you pay once to open the doors.
Licenses, permits & registration
$
Legal & accounting setup
$
Equipment & machinery
$
Furniture, fixtures & signage
$
Leasehold improvements / buildout
$
Initial inventory
$
Website, branding & launch marketing
$
Deposits (lease & utilities)
$
Other one-time costs
$
One-time total$62,000
Monthly fixed costs
The bills that arrive whether or not you sell anything. Leave out materials, stock and card fees: those come with each sale and are paid out of it.
Rent / lease
$
Payroll & contractors
$
Utilities, phone & internet
$
Insurance
$
Software & subscriptions
$
Marketing (ongoing)
$
Loan payments
$
Other monthly costs
$
Fixed costs per month$15,500
Cushion
Months of operating cash to hold
months
Contingency
%
Total startup capital needed
$170,500
before you open, including a 6-month cushion
One-time $62,000Working capital $93,000Contingency $15,500
- One-time costs
- $62,000
- Working capital (6 mo)
- $93,000
- Monthly fixed costs
- $15,500
A planning estimate from your figures, not a budget. Get real quotes for the big items (buildout, equipment, deposits) before you commit.