List one-time launch costs
Include formation, licenses, deposits, equipment, fixtures, website, opening inventory, installation, legal work, and launch marketing. Support major items with quotes.
Model recurring operations
Add payroll, rent, software, insurance, utilities, taxes, subscriptions, marketing, maintenance, and owner compensation by month.
Calculate runway
Start with available cash, subtract launch costs, and project the remaining monthly balance under conservative sales and collection assumptions.
Separate equity from debt
Document the owner's contribution and identify which uses have a clear repayment path. Uncertain experiments are often harder to support with scheduled debt.
Prepare a downside response
Decide which expenses can be delayed, which sales assumptions trigger a change, and how the business will preserve liquidity if launch takes longer.