Financial Plan Forecast
Key Assumptions
Downtown Coffee & Bagels bases its financial projections on the following key assumptions:
1. We expect to average about 150 customers a day based on market averages for a coffee shop
2. Average menu order (the average overall order) = $7.00
3. Average monthly sales = $7.00 x 150 customers per day x 7 days a week x 4 weeks a month = $29,400. In our first year, we expect to gross $264,600 (our first year is a partial year)
4. We expect to make $379,260 in our second full year
5. We estimate our cost of goods to run at 28%
Downtown Coffee & Bagels expects to gross the following revenues from FY1 - FY5 as the business scales by 10% YOY.
• FY1 - $264,600
• FY2 - $379,260
• FY3 - $417,186
• FY4 - $458,904
• FY5 - $504,794
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Coffee
Bagels
Revenue by Month
Expenses by Month
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Net Profit (or Loss) by Year
Financing
Use of funds
Downtown Coffee & Bagels will use the $250,000 for the following:
• Renovations
• Operating expenses
• Exterior signage
• Equipment and operating supplies
Sources of Funds
Downtown Coffee & Bagels is seeking $250,000 from an angel investor.
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Coffee & Bagels
Downtown Coffee & Bagels 24 CONFIDENTIAL - DO NOT DISSEMINATE. This business plan contains confidential, trade-secret information and is shared only with the understanding that you will not share its contents or ideas with third parties without the express written consent of the plan author. Statements Projected Profit and Loss 2022 2023 2024 2025 2026 Revenue $264,600 $379,260 $417,186 $458,904 $504,794 Direct Costs $173,448 $238,673 $249,292 $260,973 $273,822 Gross Margin $91,152 $140,587 $167,894 $197,931 $230,972 Gross Margin % 34% 37% 40% 43% 46% Operating Expenses Rent and Utilities $27,500 $30,000 $30,000 $30,000 $30,000 Renovations $50,000 Furnishings and Décor $35,000 Equipment and Appliances $70,000 POS $1,300 Internet / Phone $1,350 $1,800 $1,800
Insurance $3,000 $3,600 $3,600
Pest Control $800 $960
Trash Removal $900 $1,200
Cleaning / Office Supplies $2,000 $2,400
Marketing $5,000 $6,000 $6,000 $6,000
Credit card fees $5,027 $7,206 $7,927 $8,719 $9,591 Total Operating Expenses $201,877 $53,166 $53,887 $54,679 $55,551 Operating Income ($110,725) $87,421 $114,007 $143,252 $175,421
$1,800 $1,800
$3,600 $3,600
$960 $960 $960
$1,200 $1,200 $1,200
$2,400 $2,400 $2,400
$6,000
Interest Incurred Depreciation and Amortization $11,467 $13,760 $13,760 $13,760 $13,760
Gain or Loss from Sale of Assets Income Taxes $0 $0 $10,343 $25,899 $32,332 Total Expenses $386,792 $305,599 $327,282 $355,311 $375,465 Net Profit ($122,192) $73,661 $89,904 $103,593 $129,329
Net Profit / Sales (46%) 19% 22% 23% 26%
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Projected Balance Sheet 2022 2023 2024 2025 2026
Cash $40,252 $128,400 $243,207 $376,777 $527,245 Accounts Receivable $0 $0 $0 $0 $0
Inventory Other Current Assets
Total Current Assets $40,252 $128,400 $243,207 $376,777 $527,245
Long-Term Assets $106,300 $106,300 $106,300 $106,300 $106,300 Accumulated Depreciation ($11,467) ($25,227) ($38,987) ($52,747) ($66,507)
Total Long-Term Assets $94,833 $81,073 $67,313 $53,553 $39,793
Total Assets $135,085 $209,473 $310,521 $430,330 $567,038
Accounts Payable $0 $0 $0 $0 $0
Income Taxes Payable $0 $0 $10,343 $25,899 $32,332
Sales Taxes Payable $7,277 $8,004 $8,804 $9,465 $10,411
Short-Term Debt Prepaid Revenue
Total Current Liabilities $7,277 $8,004 $19,147 $35,364 $42,743
Long-Term Debt Long-Term Liabilities
Total Liabilities $7,277 $8,004 $19,147 $35,364 $42,743
Paid-In Capital $250,000 $250,000 $250,000 $250,000 $250,000
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Retained Earnings
($122,192) ($48,531) $41,374 $144,966
Earnings ($122,192) $73,661 $89,904 $103,593 $129,329
Total Owner's Equity $127,808 $201,469 $291,374 $394,966 $524,295
Total Liabilities & Equity $135,085 $209,473 $310,521 $430,330 $567,038
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Net
Net Profit ($122,192) $73,661 $89,904 $103,593 $129,329 Depreciation & Amortization $11,467 $13,760 $13,760 $13,760 $13,760
Change in Accounts Receivable $0 $0 $0 $0 $0
Change in Inventory Change in Accounts Payable $0 $0 $0 $0 $0
Change in Income Tax Payable $0 $0 $10,343 $15,556 $6,433
Change in Sales Tax Payable $7,277 $727 $800 $661 $946
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contains
that you will not share its contents
ideas
2022
2024
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confidential, trade-secret information and is shared only with the understanding
or
with third parties without the express written consent of the plan author. Projected Cash Flow Statement
2023
2025 2026
Cash Flow from Operations
Financing
Sold
Investing
Change in Prepaid Revenue Net Cash Flow from Operations ($103,448) $88,148 $114,807 $133,570 $150,468 Investing &
Assets Purchased or
($106,300) Net Cash from
($106,300) Investments Received $250,000 Dividends & Distributions
Change in Short-Term Debt
Change in Long-Term Debt
Net Cash from Financing $250,000
Cash at Beginning of Period $0 $40,252 $128,400 $243,207 $376,777
Net Change in Cash $40,252 $88,148 $114,807 $133,570 $150,468
Cash at End of Period $40,252 $128,400 $243,207 $376,777 $527,245
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Downtown Coffee & Bagels 30 CONFIDENTIAL - DO NOT DISSEMINATE. This business plan contains confidential, trade-secret information and is shared only with the understanding that you will not share its contents or ideas with third parties without the express written consent of the plan author. Appendix Profit and Loss Statement (With monthly detail) 2022 Jan '22 Feb '22 Mar '22 Apr '22 May '22 June '22 July '22 Aug '22 Sept '22 Oct '22 Nov '22 Dec '22 Total Revenue $29,400 $29,400 $29,400 $29,400 $29,400 $29,400 $29,400 $29,400 $29,400 Total Direct Costs $19,272 $19,272 $19,272 $19,272 $19,272 $19,272 $19,272 $19,272 $19,272 Gross Margin $10,128
Gross Margin % 34% 34% 34% 34% 34% 34% 34% 34% 34% Operating Expenses Rent and Utilities $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 Renovations $50,000 Furnishings and Décor $35,000 Equipment and Appliances $70,000 POS $1,300 Internet / Phone $150 $150 $150 $150 $150 $150 $150 $150 $150 Insurance $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 Pest Control $80 $80 $80 $80 $80 $80 $80 $80 $80 $80 Trash Removal $100 $100 $100 $100 $100 $100 $100 $100 $100
$10,128 $10,128 $10,128 $10,128 $10,128 $10,128 $10,128 $10,128
Cleaning / Office Supplies
$200 $200 $200 $200 $200 $200 $200 $200 $200 $200 Marketing $500 $500 $500 $500 $500 $500 $500 $500 $500 $500
Credit card fees $559 $559 $559 $559 $559 $559 $559 $559 $559
Total Operating Expenses $52,500 $109,880 $4,389 $4,389 $4,389 $4,389 $4,389 $4,389 $4,389 $4,389 $4,389
Operating Income ($52,500) ($109,880) $5,739 $5,739 $5,739 $5,739 $5,739 $5,739 $5,739 $5,739 $5,739
Interest Incurred Depreciation and Amortization $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 Gain or Loss from Sale of Assets Income Taxes $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Total Expenses $52,500 $111,027 $24,807 $24,807 $24,807 $24,807 $24,807 $24,807 $24,807 $24,807 $24,807
Net Profit ($52,500) ($111,027) $4,593 $4,593 $4,593 $4,593 $4,593 $4,593 $4,593 $4,593 $4,593
Net Profit / Sales 16% 16% 16% 16% 16% 16% 16% 16% 16%
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Downtown Coffee & Bagels 32 CONFIDENTIAL - DO NOT DISSEMINATE. This business plan contains confidential, trade-secret information and is shared only with the understanding that you will not share its contents or ideas with third parties without the express written consent of the plan author. 2023 Jan '23 Feb '23 Mar '23 Apr '23 May '23 June '23 July '23 Aug '23 Sept '23 Oct '23 Nov '23 Dec '23 Total Revenue $29,400 $29,400 $29,400 $32,340 $32,340 $32,340 $32,340 $32,340 $32,340 $32,340 $32,340 $32,340 Total Direct Costs $19,272 $19,272 $19,272 $20,095 $20,095 $20,095 $20,095 $20,095 $20,095 $20,095 $20,095 $20,095 Gross Margin $10,128 $10,128 $10,128 $12,245 $12,245 $12,245 $12,245 $12,245 $12,245
Gross Margin % 34% 34% 34% 38% 38% 38% 38% 38% 38% 38% 38% 38% Operating Expenses Rent and Utilities $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 Renovations Furnishings and Décor Equipment and Appliances POS Internet / Phone $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 Insurance $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 Pest Control $80 $80 $80 $80 $80 $80 $80 $80 $80 $80 $80 $80 Trash Removal $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 Cleaning / Office Supplies $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 Marketing $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 Credit card fees $559 $559 $559 $614 $614 $614 $614 $614 $614 $614 $614 $614 Total Operating Expenses $4,389 $4,389 $4,389 $4,444 $4,444 $4,444 $4,444 $4,444 $4,444 $4,444 $4,444 $4,444
$12,245 $12,245 $12,245
Operating Income $5,739 $5,739 $5,739 $7,800 $7,800 $7,800 $7,800 $7,800 $7,800 $7,800 $7,800 $7,800
Interest Incurred
Depreciation and Amortization $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147
Gain or Loss from Sale of Assets
Income Taxes $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Total Expenses $24,807 $24,807 $24,807 $25,686 $25,686 $25,686 $25,686 $25,686 $25,686 $25,686 $25,686 $25,686
Net Profit $4,593 $4,593 $4,593 $6,654 $6,654 $6,654 $6,654 $6,654 $6,654 $6,654 $6,654 $6,654 Net Profit / Sales 16% 16% 16% 21% 21% 21% 21% 21% 21% 21% 21% 21%
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Downtown Coffee & Bagels 34 CONFIDENTIAL - DO NOT DISSEMINATE. This business plan contains confidential, trade-secret information and is shared only with the understanding that you will not share its contents or ideas with third parties without the express written consent of the plan author. 2024 Jan '24 Feb '24 Mar '24 Apr '24 May '24 June '24 July '24 Aug '24 Sept '24 Oct '24 Nov '24 Dec '24 Total Revenue $32,340 $32,340 $32,340 $35,574 $35,574 $35,574 $35,574 $35,574 $35,574 $35,574 $35,574 $35,574 Total Direct Costs $20,095 $20,095 $20,095 $21,001 $21,001 $21,001 $21,001 $21,001 $21,001 $21,001 $21,001 $21,001 Gross Margin $12,245 $12,245 $12,245 $14,573 $14,573 $14,573 $14,573 $14,573 $14,573 $14,573 $14,573 $14,573 Gross Margin % 38% 38% 38% 41% 41% 41% 41% 41% 41% 41% 41% 41% Operating Expenses Rent and Utilities $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 $2,500 Renovations Furnishings and Décor Equipment and Appliances POS Internet / Phone $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 Insurance $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 Pest Control $80 $80 $80 $80 $80 $80 $80 $80 $80 $80 $80 $80 Trash Removal $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 Cleaning / Office Supplies $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 Marketing $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 Credit card fees $614 $614 $614 $676 $676 $676 $676 $676 $676 $676 $676 $676 Total Operating Expenses $4,444 $4,444 $4,444 $4,506 $4,506 $4,506 $4,506 $4,506 $4,506 $4,506 $4,506 $4,506
Operating Income
$7,800 $7,800 $7,800 $10,067 $10,067 $10,067 $10,067 $10,067 $10,067 $10,067 $10,067 $10,067
Interest Incurred Depreciation and Amortization $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147
Gain or Loss from Sale of Assets
Income Taxes $0 $0 $0 $0 $0 $0 $1,423 $1,784 $1,784 $1,784 $1,784 $1,784 Total Expenses $25,686 $25,686 $25,686 $26,653 $26,653 $26,653 $28,076 $28,437 $28,437 $28,437 $28,437 $28,437
Net Profit $6,654 $6,654 $6,654 $8,921 $8,921 $8,921 $7,498 $7,137 $7,137 $7,137 $7,137 $7,137 Net Profit / Sales 21% 21% 21% 25% 25% 25% 21% 20% 20% 20% 20% 20%
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- DO NOT DISSEMINATE. This
information and
Revenue
Direct Costs
Gross Margin %
Expenses
fees
Incurred
Gain
Sale
Assets
CONFIDENTIAL
business plan contains confidential, trade-secret
is shared only with the understanding that you will not share its contents or ideas with third parties without the express written consent of the plan author. 2022 2023 2024 2025 2026 Total
$264,600 $379,260 $417,186 $458,904 $504,794 Total
$173,448 $238,673 $249,292 $260,973 $273,822 Gross Margin $91,152 $140,587 $167,894 $197,931 $230,972
34% 37% 40% 43% 46% Operating
Rent and Utilities $27,500 $30,000 $30,000 $30,000 $30,000 Renovations $50,000 Furnishings and Décor $35,000 Equipment and Appliances $70,000 POS $1,300 Internet / Phone $1,350 $1,800 $1,800 $1,800 $1,800 Insurance $3,000 $3,600 $3,600 $3,600 $3,600 Pest Control $800 $960 $960 $960 $960 Trash Removal $900 $1,200 $1,200 $1,200 $1,200 Cleaning / Office Supplies $2,000 $2,400 $2,400 $2,400 $2,400 Marketing $5,000 $6,000 $6,000 $6,000 $6,000 Credit card
$5,027 $7,206 $7,927 $8,719 $9,591 Total Operating Expenses $201,877 $53,166 $53,887 $54,679 $55,551 Operating Income ($110,725) $87,421 $114,007 $143,252 $175,421 Interest
Depreciation and Amortization $11,467 $13,760 $13,760 $13,760 $13,760
or Loss from
of
Income Taxes $0 $0 $10,343 $25,899 $32,332 Total Expenses $386,792 $305,599 $327,282 $355,311 $375,465 Net Profit ($122,192) $73,661 $89,904 $103,593 $129,329
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Coffee
Net Profit / Sales (46%) 19% 22% 23% 26%
Balance Sheet (With Monthly Detail)
Cash $250,000 $197,500 ($18,680) ($10,515) ($2,350) $5,815 $6,703 $14,868 $23,032 $23,922 $32,086 $40,252 Accounts Receivable $0 $0 $0 $0 $0 $0 $0 $0 $0
Inventory Other Current Assets
Total Current Assets $250,000 $197,500 ($18,680) ($10,515) ($2,350) $5,815 $6,703 $14,868 $23,032 $23,922 $32,086 $40,252
Long-Term Assets $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300
Accumulated Depreciation ($1,147) ($2,293) ($3,440) ($4,587) ($5,733) ($6,880) ($8,027) ($9,173) ($10,320) ($11,467)
Total LongTerm Assets $105,153 $104,007 $102,860 $101,713 $100,567 $99,420 $98,273 $97,127 $95,980 $94,833
Total Assets $250,000 $197,500 $86,473 $93,492 $100,510 $107,529 $107,269 $114,288 $121,306 $121,048 $128,066 $135,085
Accounts Payable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Income Taxes Payable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Sales Taxes Payable
Short-Term Debt
Prepaid Revenue
Total Current Liabilities
Long-Term Debt
$2,426 $4,851 $7,277 $2,425 $4,851 $7,276 $2,426 $4,851 $7,277
$0 $0 $2,426 $4,851 $7,277 $2,425 $4,851 $7,276 $2,426 $4,851 $7,277
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2022 Jan '22 Feb '22 Mar '22 Apr '22 May '22 June '22 July '22 Aug '22 Sept '22 Oct '22 Nov '22 Dec '22
Long-Term Liabilities
Total Liabilities
$0 $0 $2,426 $4,851 $7,277 $2,425 $4,851 $7,276 $2,426 $4,851 $7,277
Paid-In Capital $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 Retained Earnings
Earnings ($52,500) ($163,527) ($158,934) ($154,341) ($149,748) ($145,156) ($140,563) ($135,970) ($131,378) ($126,785) ($122,192)
Total Owner's Equity $250,000 $197,500 $86,473 $91,066 $95,659 $100,252 $104,844 $109,437 $114,030 $118,622 $123,215 $127,808
Total Liabilities & Equity $250,000 $197,500 $86,473 $93,492 $100,510 $107,529 $107,269 $114,288 $121,306 $121,048 $128,066 $135,085
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2023
Cash $41,139 $49,304 $57,469 $60,661 $71,129 $81,598 $84,062 $94,530 $104,999 $107,463 $117,932 $128,400 Accounts Receivable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Inventory Other Current Assets
Total Current Assets $41,139 $49,304 $57,469 $60,661 $71,129 $81,598 $84,062 $94,530 $104,999 $107,463 $117,932 $128,400
Long-Term Assets $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300
Accumulated Depreciation ($12,613) ($13,760) ($14,907) ($16,053) ($17,200) ($18,347) ($19,493) ($20,640) ($21,787) ($22,933) ($24,080) ($25,227)
Total LongTerm Assets $93,687 $92,540 $91,393 $90,247 $89,100 $87,953 $86,807 $85,660 $84,513 $83,367 $82,220 $81,073
Total Assets $134,826 $141,844 $148,862 $150,908 $160,229 $169,551 $170,869 $180,191 $189,512 $190,830 $200,152 $209,473
Accounts Payable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Income Taxes Payable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Sales Taxes Payable $2,425 $4,851 $7,276 $2,668 $5,336 $8,004 $2,668 $5,336 $8,004 $2,668 $5,336 $8,004
Short-Term Debt Prepaid Revenue
Total Current Liabilities $2,425 $4,851 $7,276 $2,668 $5,336 $8,004 $2,668 $5,336 $8,004 $2,668 $5,336 $8,004
Long-Term Debt
Long-Term Liabilities
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Jan '23 Feb '23 Mar '23 Apr '23 May '23 June '23 July '23 Aug '23 Sept '23 Oct '23 Nov '23 Dec '23
Total Liabilities $2,425 $4,851 $7,276 $2,668 $5,336 $8,004 $2,668 $5,336 $8,004 $2,668 $5,336 $8,004
Paid-In Capital $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000
Retained Earnings ($122,192) ($122,192) ($122,192) ($122,192) ($122,192) ($122,192) ($122,192) ($122,192) ($122,192) ($122,192) ($122,192) ($122,192)
Earnings $4,593 $9,185 $13,778 $20,432 $27,086 $33,739 $40,393 $47,047 $53,700 $60,354 $67,008 $73,661
Total Owner's Equity $132,401 $136,993 $141,586 $148,240 $154,893 $161,547 $168,201 $174,854 $181,508 $188,162 $194,816 $201,469
Total Liabilities & Equity $134,826 $141,844 $148,862 $150,908 $160,229 $169,551 $170,869 $180,190 $189,512 $190,830 $200,152 $209,473
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Cash $130,865 $141,334 $151,802 $156,798 $169,801 $182,803 $187,001 $200,004 $213,006 $217,203 $230,205 $243,207 Accounts Receivable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Inventory Other Current Assets
Total Current Assets $130,865 $141,334 $151,802 $156,798 $169,801 $182,803 $187,001 $200,004 $213,006 $217,203 $230,205 $243,207
Long-Term Assets $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300 $106,300
Accumulated Depreciation ($26,373) ($27,520) ($28,667) ($29,813) ($30,960) ($32,107) ($33,253) ($34,400) ($35,547) ($36,693) ($37,840) ($38,987)
Total LongTerm Assets $79,927 $78,780 $77,633 $76,487 $75,340 $74,193 $73,047 $71,900 $70,753 $69,607 $68,460 $67,313
Total Assets $210,792 $220,114 $229,435 $233,285 $245,141 $256,996 $260,048 $271,904 $283,759 $286,810 $298,665 $310,521
Accounts Payable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Income Taxes Payable $0 $0 $0 $0 $0 $0 $1,423 $3,207 $4,991 $6,775 $8,559 $10,343
Sales Taxes Payable $2,669 $5,337 $8,005 $2,934 $5,869 $8,804 $2,935 $5,870 $8,805 $2,935 $5,869 $8,804
Short-Term Debt Prepaid Revenue
Total Current Liabilities $2,669 $5,337 $8,005 $2,934 $5,869 $8,804 $4,358 $9,077 $13,796 $9,710 $14,428 $19,147
Long-Term Debt Long-Term Liabilities
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2024 Jan '24 Feb '24 Mar '24 Apr '24 May '24 June '24 July '24 Aug '24 Sept '24 Oct '24 Nov '24 Dec '24
Total Liabilities $2,669 $5,337 $8,005 $2,934 $5,869 $8,804 $4,358 $9,077 $13,796 $9,710 $14,428 $19,147
Paid-In Capital $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000 $250,000
Retained Earnings ($48,531) ($48,531) ($48,531) ($48,531) ($48,531) ($48,531) ($48,531) ($48,531) ($48,531) ($48,531) ($48,531) ($48,531)
Earnings $6,654 $13,307 $19,961 $28,882 $37,802 $46,723 $54,221 $61,358 $68,494 $75,631 $82,768 $89,904
Total
Owner's Equity $208,123 $214,777 $221,430 $230,351 $239,272 $248,192 $255,690 $262,827 $269,963 $277,100 $284,237 $291,374
Total Liabilities & Equity $210,792 $220,114 $229,435 $233,285 $245,141 $256,996 $260,048 $271,904 $283,759 $286,810 $298,665 $310,521
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2022 2023 2024 2025 2026
Cash $40,252 $128,400 $243,207 $376,777 $527,245 Accounts Receivable $0 $0 $0 $0 $0
Inventory
Other Current Assets
Total Current Assets $40,252 $128,400 $243,207 $376,777 $527,245
Long-Term Assets $106,300 $106,300 $106,300 $106,300 $106,300
Accumulated Depreciation ($11,467) ($25,227) ($38,987) ($52,747) ($66,507)
Total Long-Term Assets $94,833 $81,073 $67,313 $53,553 $39,793
Total Assets $135,085 $209,473 $310,521 $430,330 $567,038
Accounts Payable $0 $0 $0 $0 $0
Income Taxes Payable $0 $0 $10,343 $25,899 $32,332
Sales Taxes Payable $7,277 $8,004 $8,804 $9,465 $10,411
Short-Term Debt
Prepaid Revenue
Total Current Liabilities $7,277 $8,004 $19,147 $35,364 $42,743
Long-Term Debt
Long-Term Liabilities
Total Liabilities $7,277 $8,004 $19,147 $35,364 $42,743
Paid-In Capital $250,000 $250,000 $250,000 $250,000 $250,000
Retained Earnings ($122,192) ($48,531) $41,374 $144,966 Earnings ($122,192) $73,661 $89,904 $103,593 $129,329
Total Owner's Equity $127,808 $201,469 $291,374 $394,966 $524,295
Total Liabilities & Equity $135,085 $209,473 $310,521 $430,330 $567,038
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Coffee
Cash Flow Statement (With Monthly Detail)
Net Cash Flow from Operations
Net Profit ($52,500) ($111,027) $4,593 $4,593 $4,593 $4,593 $4,593 $4,593 $4,593 $4,593 $4,593 Depreciation & Amortization $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147
Change in Accounts Receivable $0 $0 $0 $0 $0 $0 $0 $0 $0
Change in Inventory Change in Accounts Payable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Change in Income Tax Payable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Change in Sales Tax Payable $2,426 $2,425 $2,426 ($4,852) $2,426 $2,425 ($4,850) $2,425 $2,426
Change in Prepaid Revenue
Net Cash Flow from Operations ($52,500) ($109,880) $8,165 $8,164 $8,165 $887 $8,165 $8,164 $889 $8,164 $8,165
Investing & Financing Assets Purchased or Sold ($106,300)
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Feb
Mar
Apr
May '22 June
July
Nov
Dec
2022 Jan '22
'22
'22
'22
'22
'22 Aug '22 Sept '22 Oct '22
'22
'22
Net Cash from Investing ($106,300)
Investments Received $250,000
Dividends & Distributions Change in Short-Term Debt
Change in Long-Term Debt
Net Cash from Financing $250,000
Cash at Beginning of Period $0 $250,000 $197,500 ($18,680) ($10,515) ($2,350) $5,815 $6,703 $14,868 $23,032 $23,922 $32,086
Net Change in Cash $250,000 ($52,500) ($216,180) $8,165 $8,164 $8,165 $887 $8,165 $8,164 $889 $8,164 $8,165
Cash at End of Period $250,000 $197,500 ($18,680) ($10,515) ($2,350) $5,815 $6,703 $14,868 $23,032 $23,922 $32,086 $40,252
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Coffee & Bagels
Net Profit $4,593 $4,593 $4,593 $6,654 $6,654 $6,654 $6,654 $6,654 $6,654 $6,654 $6,654 $6,654
Depreciation & Amortization $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147
Change in Accounts Receivable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Change in Inventory Change in Accounts Payable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Change in Income Tax Payable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Change in Sales Tax Payable ($4,852) $2,426 $2,425 ($4,608) $2,668 $2,668 ($5,336) $2,668 $2,668 ($5,336) $2,668 $2,668
in Prepaid
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2023 Jan '23 Feb '23 Mar '23 Apr '23 May '23 June '23 July '23 Aug '23 Sept '23 Oct '23 Nov '23 Dec '23
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Net Cash Flow from Operations
Change
Revenue Net Cash Flow from Operations $887 $8,165 $8,164 $3,192 $10,468 $10,468 $2,464 $10,468 $10,468 $2,464 $10,468 $10,468 Investing & Financing Assets Purchased or Sold Net Cash from Investing
Investments Received
Dividends & Distributions Change in Short-Term Debt Change in Long-Term Debt
Net Cash from Financing
Cash at Beginning of Period $40,252 $41,139 $49,304 $57,469 $60,661 $71,129 $81,598 $84,062 $94,531 $104,999 $107,463 $117,932
Net Change in Cash $887 $8,165 $8,164 $3,192 $10,468 $10,468 $2,464 $10,468 $10,468 $2,464 $10,468 $10,468
Cash at End of Period $41,139 $49,304 $57,469 $60,661 $71,129 $81,598 $84,062 $94,530 $104,999 $107,463 $117,932 $128,400
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Coffee
Bagels
Net Cash Flow from Operations
Net Profit $6,654 $6,654 $6,654 $8,921 $8,921 $8,921 $7,498 $7,137 $7,137 $7,137 $7,137 $7,137 Depreciation & Amortization $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147 $1,147
Change in Accounts Receivable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Change in Inventory Change in Accounts Payable $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Change in Income Tax Payable $0 $0 $0 $0 $0 $0 $1,423 $1,784 $1,784 $1,784 $1,784 $1,784
Change in Sales Tax Payable ($5,335) $2,668 $2,668 ($5,071) $2,935 $2,935 ($5,869) $2,935 $2,935 ($5,870) $2,934 $2,935
Change in Prepaid Revenue
Net Cash Flow from Operations $2,465 $10,468 $10,468 $4,996 $13,002 $13,002 $4,198 $13,002 $13,002 $4,197 $13,001 $13,002
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Feb
Mar '24 Apr '24 May '24 June '24 July '24 Aug '24 Sept '24 Oct '24 Nov
Dec '24
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'24
'24
Investing & Financing Assets Purchased or Sold Net Cash from Investing
Investments Received
Dividends & Distributions Change in Short-Term Debt Change in Long-Term Debt
Net Cash from Financing
Cash at Beginning of Period $128,400 $130,865 $141,334 $151,802 $156,798 $169,801 $182,803 $187,001 $200,004 $213,006 $217,203 $230,205
Net Change in Cash $2,465 $10,468 $10,468 $4,996 $13,002 $13,002 $4,198 $13,002 $13,002 $4,197 $13,001 $13,002
Cash at End of Period $130,865 $141,334 $151,802 $156,798 $169,801 $182,803 $187,001 $200,004 $213,006 $217,203 $230,205 $243,207
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2022 2023 2024 2025 2026
Net Cash Flow from Operations
Net Profit ($122,192) $73,661 $89,904 $103,593 $129,329
Depreciation & Amortization $11,467 $13,760 $13,760 $13,760 $13,760
Change in Accounts Receivable $0 $0 $0 $0 $0
Change in Inventory
Change in Accounts Payable $0 $0 $0 $0 $0
Change in Income Tax Payable $0 $0 $10,343 $15,556 $6,433
Change in Sales Tax Payable $7,277 $727 $800 $661 $946
Change in Prepaid Revenue
Net Cash Flow from Operations ($103,448) $88,148 $114,807 $133,570 $150,468
Investing & Financing
Assets Purchased or Sold ($106,300)
Net Cash from Investing ($106,300)
Investments Received $250,000
Dividends & Distributions
Change in Short-Term Debt
Change in Long-Term Debt
Net Cash from Financing $250,000
Cash at Beginning of Period $0 $40,252 $128,400 $243,207 $376,777
Net Change in Cash $40,252 $88,148 $114,807 $133,570 $150,468
Cash at End of Period $40,252 $128,400 $243,207 $376,777 $527,245
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