Start-up Expenses Worksheet

A new business features two types of expenses: one-time expenses and operating expenses. Estimate these costs and add them to the cash flow statement. Lenders will require actual quotes from approved / certified vendors (for building contractors, franchises, etc).

» Cash Flow Statement (Download Excel Document)

Your one-time expenses section may include, but are not limited to:
Your operating expenses section of your business plan may include, but are not limited to:
Contingency expenses
Downpayment on property or deposit on rent
Downpayment or deposit on fixtures or equipment (computer, printer, telephones)
Franchise fees
Incorporation costs (where applicable)
Licenses or permits
Product development costs
Promotions for opening
Renovations or leasehold improvements
Starting inventory
Utility set-up fees
Advertising / marketing
Bad debts / sales discounts
Loan payments plus interest
Payroll expenses (CPP, EI, WCB)
Professional fees (lawyer, accountant)
Raw materials
Rent / mortgage payments
Management fees
Vehicle expenses