Does anyone know how much money I need to start a small bean to chocolate bar shop.
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Priscilla:
1 tonne (MT, 1000kg, 2204 lbs) of chocolate is about 10,000, 100gr bars.
Your capital equipment costs will depend on what approaches you take: are you interested in a "real" roaster or are you going to be using a convection oven? Are you going work with wet-mill style grinders, a universal, or some other method?
You'll need tempering and bar molding equipment and at this scale you may want some sort of wrapping machine.
Your choices here will determine how much space you need. Are you in an industrial park (cheap but no ambiance) or in a retail location (expensive)?
Many of the people who have opened small chocolate businesses are what I would call under-capitalized with total budgets for equipment and space of under $100k. You may not need a million, but you probably want to have enough capital to see you through at least two years' rent and salaries, plus capital expenditure, build-out, ingredients, utilities, marketing and advertising, etc.