When opening your business there will be ongoing and one-time cost items that you should be aware of. Many businesses don’t have a regular cash stream in the beginning. So, it is important to estimate when it will begin to flow into the company. This is done by making an assumption of how many months of recurring items, in addition to one-time expense, you will have to fund out of savings or initial investment. In the template, you will find an example of a coffee shop business finance plan.