Bizzaly — Your Business Ally
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Day-one cash calculator

How much money do you need before you open?

The monthly forecast says whether the business works. This says whether you can get there — the deposit, the build-out, the permits, the equipment, the first order of stock, and a cushion for the months before customers arrive.

Where you'll open

Local rules shown for Sunnyvale, CA (Santa Clara County). State and federal rules apply wherever you open.

One-time costs

Change any number to match your quotes.

  • Lease deposit

    Usually two months' rent up front.

    $

  • First month's rent

    Paid before you get the keys.

    $

  • Build-out & renovation

    Counters, plumbing, partitions, kitchen.

    $

  • Permits & plan check

    City and county fees to get the work approved.

    $

  • Licences & registrations

    City certificate, industry licence, filings.

    $

  • Equipment & fixtures

    Ovens, chairs, tools, shelving, computers.

    $

  • Opening stock & supplies

    Enough to serve the first weeks.

    $

  • Signage & wraps

    Storefront sign, window graphics, vehicle wrap.

    $

  • Website & branding

    Domain, design, your own photography.

    $

  • Payments & records setup

    Card reader, POS, booking or accounting software.

    $

  • Insurance down payment

    First instalment on your policies.

    $

$191,900 of one-time costs.

Your cushion

Most small businesses trade at a loss for the first few months. Keep 3 months of running costs aside.

Rent, insurance, software, utilities, licences. Set it in the planner and it'll match.