Starting a Business: Operating Budget

When you are seeking financing for your small business, your lender will probably ask you for several financial statements, including an operating budget. The following is a sample operating budget, which tracks common expenses and overhead costs associated with operating a business. This sample budget is intended to serve as a guide for commonly incurred business expenses; do not forget to include expenses particular to your business.

Rent $__________

Salaries/wages $__________

Payroll expenses $__________

Equipment leases (copiers, fax machines,telephone system, computer) $__________

Depreciation $__________

Supplies $__________

Inventory $__________

Advertising $__________

Utilities $__________

Licenses/permits $__________

Insurance $__________

Accountant's fees $__________

Attorney's fees $__________

Dues/subscriptions/fees $__________

Repairs/maintenance $__________

Taxes $__________

Loan payments $__________

Other expenses $__________