First - do you want to build it to run, or sell?   That will influence the amount of polish, features and security you want. 
Second - are you going to do it legitimately. or try to embezzle funds to make a living?  That will influence the amount you'll spend on reports, client access, provability, etc.
Third - what do you expect to pay for developers?   $1/hr?  $10/hr?  $30/hr?   Tokens?