General auto repair shop
Three-bay independent mechanical repair shop with two technicians and an owner service adviser
Five guides · full plan example pending
$246,600
Illustrative opening funding, including reserve
Startup costs by business
A startup budget must fund the opening work and the period before the business supports itself.
The figures below are complete illustrative opening budgets within each stated scope. They are not price ranges or national averages. Open the detailed breakdown to see equipment, fit-out, deposits, inventory, preopening spending, contingency and operating cash separately.
Browse by category: Automotive · Education & care · Food & drink · Home & trade services · Personal & pet services · Professional services · Retail · Transport & logistics.
Read the published full plan examples. Each entry below states whether a full example is available.
30 business packages · 2 with a full plan example · 28 guide sets
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Self-service car wash
Four-bay retrofit of an existing leased wash site
Full plan example + five guides
$286,904
Illustrative startup funding · including reserve
Child care center
Private preschool for ages 3–5: four rooms, assumed licensed capacity of 48; no infant care
Five guides · full plan example pending
$346,000
Illustrative opening funding, including reserve
Catering company
Small off-premise caterer from an existing DBPR-licensed shared commercial kitchen
Five guides · full plan example pending
$126,600
Illustrative opening funding including reserve
Coffee shop
Counter-service café in an existing leased unit
Full plan example + five guides
$227,600
Illustrative startup funding · including reserve
Counter-service restaurant
Independent leased counter-service restaurant; existing kitchen infrastructure; no alcohol, drive-through or franchise fees
Five guides · full plan example pending
$260,574
Illustrative opening funding
Food truck
One owner-operated bowl-menu food truck; five three-hour private-site service windows per week
Five guides · full plan example pending
$153,010
Illustrative opening funding, reserve included
Full-service restaurant
60-seat independent restaurant in an existing leased restaurant space; no alcohol sales
Five guides · full plan example pending
$487,000
Illustrative opening funding, including reserve
Retail bakery
On-site pan bread, sweet buns and cookies sold retail carryout; excludes café, drinks, wholesale, cakes, delivery and property purchase
Five guides · full plan example pending
$206,206
Illustrative opening uses including cash reserve
Commercial cleaning company
Owner-led small team cleaning ordinary commercial offices under recurring contracts
Five guides · full plan example pending
$41,283
Illustrative startup funding, including reserve
Electrical contractor
Small licensed residential electrical service and installation crew: one master/owner plus one journeyman and one van
Five guides · full plan example pending
Itemize a Texas electrical crew’s new van, upfit, tools, pre-opening spending, material stock and opening reserve.
HVAC service and installation
Two-technician residential HVAC operation: working owner, one employee and part-time dispatch support
Five guides · full plan example pending
$206,500
Illustrative opening funding, including reserve
Painting contractor
Owner-led residential repaint crew with two employed painters; interior and exterior work; no industrial coatings or lead abatement
Five guides · full plan example pending
$123,077
Illustrative opening uses
Residential landscaping service
One two-person owner-led residential maintenance crew, truck and trailer
Five guides · full plan example pending
$135,500
Illustrative opening funding, including reserve
Residential remodeling contractor
Owner-led residential remodeling crew with two employees and specialist subcontractors
Five guides · full plan example pending
$189,600
Illustrative opening funding, including reserve
Roofing contractor
California residential asphalt-shingle replacement contractor with a licensed subcontract installation crew and one employed repair/logistics technician
Five guides · full plan example pending
$130,766
Base illustrative funding, incl. reserve
Employee-operated nail salon
Leased employee-operated nail salon; no booth rentals
Five guides · full plan example pending
$218,453
Illustrative opening funding
Hair salon
Four-chair employee-operated hair salon with three employed stylists and a working owner
Five guides · full plan example pending
$156,600
Illustrative opening funding, including reserve
Neighborhood gym
Independent membership gym with limited personal training; no pool or spa
Five guides · full plan example pending
$367,000
Illustrative opening funding, including reserve
Pet grooming salon
Dog-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
Five guides · full plan example pending
$174,854
Illustrative opening uses; base cash gap is additional
Self-service laundromat
Leased coin/card laundromat; no dry cleaning or wash-and-fold
Five guides · full plan example pending
$650,630
Illustrative startup funding
Bookkeeping service
Small remote bookkeeping team; ordinary reconciliation and management reports; no audit, legal, tax-filing or licensed CPA claims
Five guides · full plan example pending
$65,648
Illustrative opening funding; base cash gap remains
CPA practice
Small licensed tax/accounting practice; no audit, review, compilation or other attest engagements
Five guides · full plan example pending
$101,173
Illustrative startup funding
General dental practice
Owner-dentist, three-room general practice in leased second-generation dental premises; preventive care, fillings and outsourced-lab crowns; no specialist surgery or sedation
Five guides · full plan example pending
$680,200
Modeled funding incl. reserve
General veterinary clinic
Owner-veterinarian outpatient clinic; no boarding, overnight hospital, grooming, aseptic surgery, anesthesia, dental suite, radiography or automated CBC/chemistry analyzer
Five guides · full plan example pending
Review an itemized outpatient veterinary clinic opening budget, landed-equipment gaps, premises work, inventory and the first-year cash reserve.
Independent insurance agency
Small licensed independent Texas commercial property-and-casualty agency; annual policies and carrier direct bill; no underwriting or acquired book
Five guides · full plan example pending
$134,400
Illustrative opening funding
Physical therapy clinic
Small outpatient physical therapy practice; two licensed PTs; retained leased medical suite; no home care
Five guides · full plan example pending
$260,000
Illustrative opening uses; later base shortfall disclosed
Commercial print shop
Small duplex-color digital general commercial print shop, with basic cutting and outsourced complex finishing; no newspaper, book or screen-printing plant
Five guides · full plan example pending
$233,835
Illustrative opening uses including reserve
Neighborhood grocery store
Independent small general-assortment grocery store in leased former food-retail premises; no fuel, pharmacy, liquor or food preparation
Five guides · full plan example pending
$314,750
Illustrative opening funding, including reserve
Local freight trucking company
Two used 33,000-lb GVWR 26-foot liftgate dry boxes; employed driver and paid owner-driver; commercial general freight
Five guides · full plan example pending
$180,250
Illustrative two-truck startup funding
Compare equivalent scopes
A leased restaurant fit-out, a mobile maintenance crew and a licensed preschool fund different capabilities. None of these cases buys land or a building. Check the operating format, installed scope, paid roster and cash reserve before comparing the totals. A lower equipment bill can still accompany a difficult cash cycle.
Separate four kinds of cash use
- Installed assets: equipment, fit-out and commissioning. Check what the supplier excludes.
- Opening expenses: training, launch activity and other costs before trading.
- Working assets: initial stock and refundable deposits, with their own recovery timing.
- Operating reserve: money left in the bank to absorb the opening ramp. It is funding, not an expense that reduces profit on day one.
Build your quotation list before choosing debt
Give each budget line an owner, scope, quote date, payment date and evidence status. Include delivery, installation, electrical or plumbing work and taxes where applicable. A contingency does not make an unidentified scope item disappear. Model an opening delay separately because rent and payroll can start before sales.
Use the document checklist to assemble the supporting folder, then test repayment in the projection guide.