OK - I have a good bit of experience with this. Understand in this economy all retail businesses are really taking a beating. If you have something cool and unique you will have a much better chance of survival. All the license stuff, permits, etc are super simple and are done in one day.
$$$ is the key, what ever you figure it is going to cost you, double it. You have many, many start up costs, here are a few: retail space build-out or modification - landlord may do this for you if the store has been empty for a while, this is very negotiable. Signage on the store/building - my last lighted channel letter sign was $4500 installed. Don't forget window vinyls. Interior fixtures - simple type are not too expensive like cantilever type but if you need something really modern or super nice they get very expensive. Be sure you get absolute guaranteed prices for the fixtures you need. Buy used fixtures whenever possible. Don't forget to add seating, sales counter, etc., etc. Flooring - also an expense you must pay. If the landlord does the build-out he MAY do the flooring. Deposit on rent - 3 months up front but you may get several free months as an incentive to move in. Utilities - expect to pay deposits on utilities. Security sys - can be reasonably priced or expensive based on your needs. Nice lighting - your expense. Advertising - unless you have had a retail operation in the past YOU WILL MAKE ADVERTISING ERRORS. Everyone that came to see me had the best program available, this mag., that mag, this paper, that paper, yellow pages (skip them completely) and on and on. Bottom line on this, find exactly where you most successful competitor is advertising and do the exact same thing. Don't forget to add the cost of business cards, fliers, web site creation, hosting, plus the computer itself. Inventory - keep it as low as possible, arrange terms with vendors but unless you are tight with them expect to have pay up front. Also - insurance: landlord will require liability insurance and glass insurance, then you need to consider insurance on contents.
The above is just a partial list but you 2 sit down and add every little thing regardless of cost. Now total it all up, grab your plan and go shopping for money - fair warning, don't expect it to come easily, new retail businesses have a high failure rate and the people with the money know that.
Your lease - unless you have done this before several times, have someone negotiate the lease with your landlord, DO NOT DO IT YOURSELF, the few bucks you pay them will be saved several times over. You will be shocked what is included in a commercial (especially retail) lease.
If you need to borrow most of the money do that first, don't spend anything but some time. In your plan you will need to know how much the space will cost so go talk to the rental agent. Remember, it is negotiable but you need a starting point.
Hope this helps a bit - good luck
Been there, done that, have the wounds