The numbers behind a new business

What will it take to open your business?

Explore the startup budget, monthly economics and funding case for your idea.

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A worked business case

Coffee shop

Business plan

Opening budget USD
Fit-out, equipment & furnishings	$116,000
Design, installation & contingency	$35,600
Pre-opening, stock & deposit	$31,000
Opening cash reserve	$45,000
Total startup funding	$227,600

Illustrative case · Grouped budget assumptions

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Business study / 01

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A counter-service café in an existing leased unit.

A neighborhood
coffee shop

From an empty leased space to a working café.

$227,600

Illustrative startup funding, including reserve

Business study / 02

A different business.
A different set of numbers.

Explore a four-bay self-service car wash: the site, equipment, paid washes and cash needed before opening.

Explore the car wash case ↗

Self-service car wash

$286,904

Illustrative startup funding,
including reserve

More operating formats

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General auto repair shopThree-bay independent mechanical repair shop with two technicians and an owner service adviser$246,600Illustrative opening funding, including reserve Bookkeeping serviceSmall remote bookkeeping team; ordinary reconciliation and management reports; no audit, legal, tax-filing or licensed CPA claims$65,648Illustrative opening funding; base cash gap remains Catering companySmall off-premise caterer from an existing DBPR-licensed shared commercial kitchen$126,600Illustrative opening funding including reserve Child care centerPrivate preschool for ages 3–5: four rooms, assumed licensed capacity of 48; no infant care$346,000Illustrative opening funding, including reserve Commercial cleaning companyOwner-led small team cleaning ordinary commercial offices under recurring contracts$41,283Illustrative startup funding, including reserve Commercial print shopSmall duplex-color digital general commercial print shop, with basic cutting and outsourced complex finishing; no newspaper, book or screen-printing plant$233,835Illustrative opening uses including reserve Counter-service restaurantIndependent leased counter-service restaurant; existing kitchen infrastructure; no alcohol, drive-through or franchise fees$260,574Illustrative opening funding CPA practiceSmall licensed tax/accounting practice; no audit, review, compilation or other attest engagements$101,173Illustrative startup funding General dental practiceOwner-dentist, three-room general practice in leased second-generation dental premises; preventive care, fillings and outsourced-lab crowns; no specialist surgery or sedation$680,200Modeled funding incl. reserve Electrical contractorSmall licensed residential electrical service and installation crew: one master/owner plus one journeyman and one vanExplore startup costs and funding Food truckOne owner-operated bowl-menu food truck; five three-hour private-site service windows per week$153,010Illustrative opening funding, reserve included Full-service restaurant60-seat independent restaurant in an existing leased restaurant space; no alcohol sales$487,000Illustrative opening funding, including reserve Hair salonFour-chair employee-operated hair salon with three employed stylists and a working owner$156,600Illustrative opening funding, including reserve HVAC service and installationTwo-technician residential HVAC operation: working owner, one employee and part-time dispatch support$206,500Illustrative opening funding, including reserve Independent insurance agencySmall licensed independent Texas commercial property-and-casualty agency; annual policies and carrier direct bill; no underwriting or acquired book$134,400Illustrative opening funding Residential landscaping serviceOne two-person owner-led residential maintenance crew, truck and trailer$135,500Illustrative opening funding, including reserve Self-service laundromatLeased coin/card laundromat; no dry cleaning or wash-and-fold$650,630Illustrative startup funding Local freight trucking companyTwo used 33,000-lb GVWR 26-foot liftgate dry boxes; employed driver and paid owner-driver; commercial general freight$180,250Illustrative two-truck startup funding Employee-operated nail salonLeased employee-operated nail salon; no booth rentals$218,453Illustrative opening funding Neighborhood grocery storeIndependent small general-assortment grocery store in leased former food-retail premises; no fuel, pharmacy, liquor or food preparation$314,750Illustrative opening funding, including reserve Neighborhood gymIndependent membership gym with limited personal training; no pool or spa$367,000Illustrative opening funding, including reserve Painting contractorOwner-led residential repaint crew with two employed painters; interior and exterior work; no industrial coatings or lead abatement$123,077Illustrative opening uses Pet grooming salonDog-only fixed salon with three employed groomers, one employed bather and a paid owner-manager; no boarding, mobile services, retail, training, cat grooming or veterinary care$174,854Illustrative opening uses; base cash gap is additional Physical therapy clinicSmall outpatient physical therapy practice; two licensed PTs; retained leased medical suite; no home care$260,000Illustrative opening uses; later base shortfall disclosed Residential remodeling contractorOwner-led residential remodeling crew with two employees and specialist subcontractors$189,600Illustrative opening funding, including reserve Retail bakeryOn-site pan bread, sweet buns and cookies sold retail carryout; excludes café, drinks, wholesale, cakes, delivery and property purchase$206,206Illustrative opening uses including cash reserve Roofing contractorCalifornia residential asphalt-shingle replacement contractor with a licensed subcontract installation crew and one employed repair/logistics technician$130,766Base illustrative funding, incl. reserve General veterinary clinicOwner-veterinarian outpatient clinic; no boarding, overnight hospital, grooming, aseptic surgery, anesthesia, dental suite, radiography or automated CBC/chemistry analyzerExplore startup costs and funding

28 additional cases include costs, profitability, unit economics and financing. Complete plan examples are currently available for the coffee shop and self-service car wash.

The research desk

Build on evidence.

Follow the assumptions, explore historical lending records and check the numbers for your own operation.

01Historical lending dataRecorded activity, defined samples and downloadable industry aggregates 02Work through the numbersBreak-even volume and monthly loan payments 03Prepare the document folderWhat to draft, collect and confirm 04Trace the assumptionsHow observed evidence and illustrative models are kept distinct

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