I forgot to factor in the cost of a commercial HVAC when getting my business loan

I decided that I have spent far too many years dreaming of someday starting my own company while stuck in a dead end job that makes me miserable.

Instead of writing insurance policies on a computer screen all day five days a week, I wanted to open a small bakery specializing in bread and pretzels. This love for baking runs in my family, as my grandparents used to own a bakery themselves years before I was born. My mother learned the skills and is the one who taught me how to make bread and cake from scratch when I was still a child. At some point in this process I discovered a love for fresh pretzels. I have had them all over the country in the years since and still love eating them to this day in much the same way I did as a child. Now I see myself working tirelessly in a kitchen every day to feed hungry patrons with a variety of fresh breads, desserts, and pretzels. Somehow I managed to secure a business loan, but not before I realized one huge error I made in my expense calculations. I forgot to account for the cost of a huge commercial HVAC system. Since the kitchen would get hot from the ovens, I knew that I needed a cooling system that could handle the additional heat. Either I’m going to need a plan on how to use money allocated for other purposes, or I’m going to be spending more of my own money before I can open my bakery. I hope it isn’t something that delays this process for another year or longer, because having HVAC inside is mandatory.

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