Project Budget Builder
Add up what your project will cost, note the cash and funding you already have, and see the financing need to discuss with lenders. Rough numbers are fine — the free advisors on our free help page can pressure-test them with you.
This worksheet is free to use and your numbers stay in your browser — no account needed, including printing. Nothing is saved after you leave the page, so print your summary before you go.
This page does simple arithmetic on the numbers you type, and nothing else. It never quotes a rate, payment, fee, or approval odds, and filling it in is not an application. Every figure is your own estimate to refine with each lender.
What the project costs
Every field is optional. Fill in what you know, skip what you don't, and use round numbers.
Money you bring
These amounts reduce the amount you would discuss borrowing.
Line-item summary
| Line item | Amount |
|---|---|
| Real estate purchase price | Not entered |
| Construction and improvements | Not entered |
| Equipment | Not entered |
| Inventory | Not entered |
| Working capital | Not entered |
| Closing and soft costs | Not entered |
| Other project costs | Not entered |
| Total project cost | $0 |
| Minus cash you plan to put in | Not entered |
| Minus other funding already arranged | Not entered |
| Financing need to discuss with lenders | $0 |
Expect the down-payment question
Lenders will ask how much of the project you plan to cover yourself — a down payment, sometimes called an owner cash injection. The amount they look for depends on the program, the project, and the lender.
That is why this page shows no target number. Ask each lender what they would expect for a project like yours, and ask what can count toward it — cash, seller financing, or other sources they accept.
Use these numbers next
- Bring these numbers into the readiness pre-screen — the budget and amount questions will go faster.
- Sketch the month-by-month picture in the 12-month projections so you are ready to discuss repayment.
Printing is free — no account needed. Your numbers never leave your browser.
Project Budget Worksheet
[Business Name]
Planning worksheet — not an application, quote, or offer.
Project costs
| Line item | Amount |
|---|---|
| Real estate purchase price | Not entered |
| Construction and improvements | Not entered |
| Equipment | Not entered |
| Inventory | Not entered |
| Working capital | Not entered |
| Closing and soft costs | Not entered |
| Other project costs | Not entered |
| Total project cost | $0 |
Money brought to the project
| Minus cash you plan to put in | Not entered |
|---|---|
| Minus other funding already arranged | Not entered |
| Financing need to discuss with lenders | $0 |
Expect the down-payment question
Lenders will ask how much of the project you plan to cover yourself — a down payment, sometimes called an owner cash injection. The amount they look for depends on the program, the project, and the lender.
That is why this page shows no target number. Ask each lender what they would expect for a project like yours, and ask what can count toward it — cash, seller financing, or other sources they accept.
Every figure is the owner's own planning estimate.
Independent educational tool, not affiliated with or endorsed by the SBA, any government agency, or any lender. SBA information is based on public guidance and should be verified against current SBA rules, forms, and lender policy.