There are a lot of variables that can go into determining how much money is needed to open a restaurant. For example, someone buying into a franchise may have to pay more upfront for a franchise fee than someone who is opening a stand alone restaurant.
Costs that need to be considered when opening a restaurant include the inventory that will need to be purchased, any fees related to purchasing or renting a location and deposits for utilities. Obtaining permits for serving liquor will also be required. Restaurant owners will also need funds for purchasing things such as tables, kitchen items and dinnerware. Training employees will also require additional funds. Restaurant owners should also have funds for operating costs for the first few months.