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Overview

Most F&B failures are cash-flow failures, not “food” failures. Funding is about matching:

Your setup costs
Your working capital buffer
Your ramp-up timeline

Key takeaways

Separate setup costs from working capital.
Plan for a slower ramp-up than your optimistic forecast.
Grants are reimbursement-based — plan for the cash gap.
Your numbers need to be defensible (banks and partners can smell fluff).

How much capital you really need

3 buckets to plan

1) Fit-out + equipment

2) Pre-opening costs (training, marketing, licences)

3) Working capital buffer (rent, payroll, inventory)

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Practical rule: plan 3–6 months of fixed costs as buffer.

Funding options (quick compare)

Owner capital (most flexible, highest risk to you)
Bank loans (requires credible plan + cash flow)
Government support (reduces cost but has claim timelines)
Investors (trade cash for equity + control)
Vendor financing (helpful but watch total cost)

Government support (where to start)

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Start with the fastest, simplest wins

PSG for approved tech/equipment
EDG for larger capability projects (if eligible)

Bank loan readiness

What banks typically want

Clear concept + positioning
Conservative revenue model
Cost assumptions (COGS, labour, rent)
Owner equity injection
Cash flow forecast
Team capability (experience)

Cash flow discipline (grant timing)

Grants often reimburse after delivery/implementation. Plan for:

Vendor payment schedule
Claim submission timeline
4–12+ week reimbursement lag

Checklists

Funding pack checklist

12-month cash flow forecast
Startup cost breakdown
Menu pricing + margin logic
Staffing plan + payroll estimate
Lease terms summary

Grant cash gap checklist

When you pay vendor
When you can submit claim
Expected payout date
Bridge plan (cash/overdraft)

Templates (free, export-ready)

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These are designed to export cleanly as a PDF worksheet.

Startup cost list (fill-in)

Cost item	Budget (S$)	Notes
Fit-out
Equipment
Licences
Pre-opening marketing
Initial inventory
Working capital buffer (months)		Recommended: 3–6 months fixed costs

Cash flow assumptions (fill-in)

Assumption	Value	Notes
Average cheque / ATV (S$)
Estimated covers/day (Month 1)
Estimated covers/day (Month 2)
Estimated covers/day (Month 3)
Days open / month
COGS % target
Labour % target
Rent (all-in) / month (S$)
Marketing % of sales

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Members get deeper finance tools (dashboards, break-even, prime cost) inside Templates & Tools.

Recommended Next Steps (Members Only)

Compliance & Risk Kits

F&B Grants & Funding in Singapore

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