A service business, online shop and physical store can require very different amounts of cash before the first sale.
Count one-time setup, monthly bills, money held for slow sales, and a contingency for unexpected expenses.
Supplies are only part of the budget. Check transport, business insurance, permits, and time between paying clients.
Deposits, fixtures, opening stock, payroll and repeat orders can tie up more money than the rent sign suggests.
Health permits, refrigeration, plumbing and kitchen requirements differ by location and the food you want to sell.
Our hypothetical models total about $4,413 for solo cleaning and $72,975 for a small boutique with cash reserves.
Use the full guide to compare eight industry scenarios, test cash needs and prepare a budget suited to your state.
READ THE FULL GUIDE ↓