http://nymag.com/nightlife/wheretodrink/2009/costs/Not sure if that will help. I imagine the start-up costs are higher than they anticipate.
Ideas for systems:
Multiple checks on related skills that add bonus dice to a final Edge test to see if the bar is profitable (i.e. lets them start paying down the massive investment). Cap how many dice they can roll on these checks based upon the number of hours they're investing per month (or week) into the task. Start out with an initial investment (200,000 nuyen?) and monthly costs (20,000 nuyen). The bar earns a baseline of 10,000 a month. Each hit on the edge test earns 5,000 that month, so 2 hits are required to break even. Then add in one or two monthly "events" that require some other skill to deal with.
Instruction/Leadership (to manage and direct the staff): Threshold 2, +2 Edge Test
Etiquette (to maintain good business relationships): Threshold 2, +1 Edge Test
Negotiate (to try to get good deals with distributors and work out things with local politicians): Threshold 3, +1 Edge Test
Mixology Knowledge/Area Bars/Etc. (To pick your menu): Threshold 2, +1 to Edge Test
Club Music (to pick your play list and get the right vibe): Threshold 1, +1 to Edge Test
Business Knowledge (Small businesses specialization): Threshold 1, +1 to Edge test, Threshold 3, +2 to Edge Test
Monthly events:
1. Perception (Spillage is high this month, because one of the bartenders is handing out free drinks to their friends): Ongoing, threshold 2, -1,000 nuyen from earnings. If you don't catch the bartender they keep doing it and you keep losing money.
2. Security Procedures (someone tries to hit your place, see if your security holds up): Damaged from forced entry 500 nuyen, Threshold 1, or 1,000 nuyen in stolen booze.
3. Computer (Time to make your matrix site and make sure it doesn't suck):
Threshold 1: functional, sort of (-1 on Edge test)
Threshold 2: functional
Threshold 3: Good word (+1 on Edge test)
Threshold 4+: Amazing, people check the sight even when they aren't looking for a drink (+2 on Edge test)
Or pay 4000 nuyen to automatically have a functional site.
4. Sponsor a local team
5. Protection Racket
So your team of 4 (assuming), decides they'll each invest 10 hrs/week into the bar. So each one can roll up to 10 dice total in the related skills or to deal with monthly events and each skill can only be rolled once by the group. Monthly events can be rolled by multiple people with only the highest roll taking effect.
Sammi doesn't have a lot of relevant skills, so he uses 5 of his dice on Club Music (the only relevant skill he's decent at). Gets 2 hits and adds +1 to the edge test.
His club music skill is a 3 and his intuition's 3, so he could spend more (up to 6) but he's saving the other 5 to try to deal with any monthly events.
The Face has lots of relevant skills, but he knows that leadership has the biggest pay out and uses all 10 of his dice there. He gets 2 hits and adds +2 to the edge test.
His leadership is at a 1 (specialization small business) (3) and his charisma is 6 (with tailored pheromones 2), so he could roll up to 11 dice, but he's only spending 10 hrs/week there so he's still capped at 10 even with the dice pool bonuses.
The hacker doesn't have very good social skills (cha 2), but he has some business knowledge. He maxes out his roll at 8 dice. He's got 2 to maybe deal with a monthly event but not likely. He gets 2 hits on his business knowledge, +1 to the edge test.
The Mage tries to smooze up the clientèle and meets with some community planners, etc. He's trying to use etiquette. He's only has Cha 3 and Etiquette 3, so he's capped at 6 dice. He rolls 1 hit and doesn't add anything to the edge test. He has 4 dice left over to try to deal with a monthly event.
The group then picks someone to roll their edge with the bonuses (probably the person with the highest). The hacker has 4 edge and they let him roll. The edge roll does not count against the limit on dice rolled. He rolls:
4 Edge + 1 from the Sammi + 2 the Face + 1 from the Hacker + 0 from the mage = 8 dice.
The hacker rolls and gets only 2 hits, the bar broke even.
The monthly event "High spillage rates". The Sammi, the hacker, and the mage each have dice left over to try to spot the bartender stealing from their bar. The hacker bows out, because the risk of glitch is too high. The sammi rolls 5 (his left over dice) on perception and the mage rolls 4 (his left over dice). Both have perception high enough that they're not limited by their skill. The sammi gets 1 hit and the mage gets 2. The mage spots the bartender handing out free drinks and fires him, but they can't get the drinks back, so that month the bar loses 1000 nuyen.
It might seem a bit complicated, but really it's just everyone rolls 1 or 2 skills to support the bar and then they roll to see how well the bar did. If they don't want to invest any time in it, it will likely flounder and just be a money sink. If they want to invest a lot of time, they could probably turn a nice profit after a year or so.