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Florida SBDC at Daytona State College
The Small Business Development Center (SBDC) helps businesses become more successful today and meet the challenges of tomorrow. Whether you are starting a business, buying a business, growing a business, selling a business or looking for financing, we can help you.

The SBDC at Daytona State College is a member of the Florida SBDC Network, a statewide service network funded in part through a cooperative agreement with the U.S. Small Business Administration (SBA).

As a subcenter of the SBDC at UCF, the SBDC at Daytona State College has been actively serving the entrepreneurs of Volusia and Flagler Counties since 1992.
Working Capital
 Working Capital

You also need to determine your working capital needs - that is, how much money do you need to have on hand to cover operating expenses while you get your business off the ground. Working capital also provides cash to finance accounts receivable if you offer your customers credit terms. While you are waiting for them to pay, working capital is what pays your bills.

Working capital is also important to have on hand for seasonal businesses, where all your sales are made during a certain time of year. To determine how much working capital you need to have on hand as you start or grow your business, a good rule of thumb is to have enough money to cover three to six months of your operating expenses - based on the financial projections you calculated in the business planning process. For a simple worksheet to build your list of start up costs and project monthly expenses, visit
Business Know How.net.
State Designated as Florida's Principal Provider of Small Business Assistance
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