So, let's say we follow Bob Carter's advice, and we have done all the right research. We are confident about our ability to run a business, we have the framing skills necessary, and we have found the perfect location based on his priorities. How much cash do we need to put this business in place and survive the growing pains of the first few years. With as much information about the average successful frame shop available, I would think it would not be to difficult to come up with some recommended start-up numbers. I'm no expert, but I'll take a guess at start-up costs for a small one-person shop. $15,000 cash for basic equipment, space preparation, signage, initial marketing, lease deposit, etc. $15,000 in cash or more to ensure overhead payments can be meet the first few years. $15,000 to ensure living expenses can be meet the first few years. If we did our research correctly borrowing money is safe, as the business should support itself and be able to make loan payments. We should still have living expense tucked away. If we didn't, well I hope we have enough money to make it through the growing pains. We could always buy an existing business, but a profitable one will likely costs us as much or more.