2.  The costs of operating a business are often called overhead expenses

3.  The financial needs to start a new business depend on the nature of the venture

4. Cost of Sales –  Product inventory,  Raw materials,  Equipment,  Shipping and packaging,  Shipping insurance,  Warehousing.

5. Professional Fees –  Setting up legal aspects for your business. (i.e. trademark, copyrights, patents, partnerships agreements)  One-time start-up costs often include incorporation fees.  Theses may require lawyers and accountants

6. Technology costs –  Computer hardware and software  Cellphones  Printers  Internet  IT support

7. Administrative Costs –  Office supplies,  Rent,  utilities,  Business insurance,  Desks,  Chairs,  Phones,  Copiers.

8. Sales and marketing costs:  Advertising  Tradeshow fees  Public relations  Sponsorships

9. Wages and benefits –  Employee salaries  Payroll taxes  Benefits  Workers compensation