Use this budget route to investigate a total business investment of $100,000 to less than $250,000 in Australian dollars. This is a planning band, not a list of verified offers.

What this budget needs to cover

Compare the amount tied up in transferable assets with fees and fitout that may have little resale value. Ask whether the owner must work full time and what it costs to replace that labour.

Count the entry or purchase price, establishment work, equipment, opening stock, professional fees, training and pre-opening costs, cash tied up in security, working capital and contingency. Record household living reserves separately. A minimum cash contribution or a deposit is not the total project cost.

Compare like with like

Offer type Evidence to obtain Common missing amount
New outlet or territory Itemised establishment scope, supplier quotations and a realistic opening timetable Delays, unpaid training, launch payroll and working capital
Existing franchise Purchase price allocation, trading records, stock valuation and transfer requirements Transfer charges, required refit, staff liabilities and new lease security
Advertised minimum investment Written explanation of what the headline includes and excludes Tax timing, finance fees, contingencies and personal reserves

Five decisions before shortlisting

  1. Agree whether every quotation includes GST, and check cash timing with your accountant.
  2. Keep purchase price, assets and establishment costs separate so nothing is counted twice.
  3. Record how many weeks of operating cash and household expenses you can fund without sales.
  4. Test debt payments and owner wages against a slower-than-expected trading case.
  5. Compare investment recovery with the rights you actually receive under the lease and franchise agreement.

Choose a brand after checking the evidence

Use the brand directory to find ownership guides, then obtain a current written offer for the actual location and format. Brands are not automatically assigned to this band: costs, eligibility and resale prices can vary materially. Unverified amounts remain unknown.

Your next steps

Further reading