SBA Compliant Business Plan

CONFIDENTIAL

DowntownCoffee&Bagels

Businessplan

ExecutiveSummary Opportunity

MarketOpportunity

DuetoCovid-19,moreandmorepeoplewantsafetyandpeaceofmindtobeapartoftheircoffeeexperience. Drive-thruhasfarfewersharedtouchpointsandfeweropportunitiesforcontamination.

Thespecialty-coffeehousemarketisgrowingatahealthypace.Therehasnotbeenasingleyear;specialty coffeesaleshavenotrisen.Inseveralcases,theincreasehasbeenindoubledigits.

Inaddition,nocoffeehousechainshavefailedduringthistime,althoughthelistofcasualtiesinother industriesisquitelong.

ThesemarketconditionscreatealocalbusinessopportunityinAustintoopenadrive-thruthatprovides qualitycoffeeandconveniencewithdrive-thruwindowserviceandindoorseating.

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Solution

DowntownCoffee&Bagelsplanstotakeadvantageofthisbusinessopportunitybyopeninganindependent drive-thrucoffeeshopthatoffersspecialtycoffeeandteasinaunique,welcomingenvironmentnotfoundin othercoffeeshops.

Ourcoffeeshopwillbetastefullydecoratedandfurnishedandbetheperfectplacetorelaxcomfortably, workawayfromhomeorspendtimecatchingupwithfriends.

CompanyDescription

DowntownCoffee&BagelswillbeanindependentcoffeehouselocatedinAustin,Texas.Thecoffeeshopwill beregisteredasanLLCwithJohnFarleyasthesoleowner.Thecompanywilllaunchoperationsin2Qof 2022.

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DowntownCoffee&Bagels

MarketOverview

MarketAnalysis

MarketValue

• In2021theCoffeeShopIndustrywasvaluedatover$47billion

MarketSize

• In2021,theCoffeeShopIndustryhadover80,760businessesintheUS

MarketGrowth

• Duringtheforecastperiodof2020-2025,theCoffeeShopIndustryisexpectedtogrowbyaCAGR of4.8%

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Alternatives

DowntownCoffee&Bagelshasidentifiedthefollowingcafesastwoofourprimarycompetitorsbasedonthe overallproductsandservicestheyoffer:

CompetitorDescription: Starbucks

• World'slargestcoffeehousechain

• Establishedin1971

• Productsincludehandcraftedbeverages,signatureroastedcoffee,premiumteas,andlightbites

• MobileOrderandPayandin-storepick-upoptions

• StarbucksRewardsprogramavailableforcustomers

SummerMoonCoffee

• LocationsinAustin,SanAntonio,Dallas,Houston,OKC,Kansas,andWisconsin

• Thecoffeeshopopenedin2005

• CoffeeisroastedinhandmadebrickroastersoverseasonedTexasoak

• Customerscanordercoffeebeansandmerchandiseonline

• HighlyRatedonline-4.5onGoogle

Jo'sCoffee

• Establishedin1999

• LocationsinSouthCongress,Downtown,andRedRiver

• Thecoffeeshopregularlyhostsfundraisersandconcerts

• Dogsarewelcomed

• HighlyRatedonline-4.5onGoogle

Laterinthisbusinessplan,wewilllistourothercompetitorsinAustin,TX.Wewillincludehowcustomers haveratedthesecompetitorsonGoogleregardingtheircoffee,foodoptionsoffered,pricing,andoverall customersatisfaction.

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MissionStatement

DowntownCoffee&Bagels'missionistoprovideourcustomerswithavarietyofhigh-qualityspecialty coffees,teas,andfooditemswithexcellentserviceatanaffordableprice.Wewillhaveanunwavering commitmenttocustomerservice,ouremployees,andthelocalcommunityweproudlyserve.

KeystoSuccess

DowntownCoffee&Bagels'keystosuccessarethefollowing:

• Superior-tastingcoffee,teas,andcomplimentaryfooditemsbackedbyauniquequalitycoffeeshop

• Arelaxingandmoderninteriordesign

• Primelocation,heavypedestriantrafficfromthesite,andaconcentrationoflocalbusinesses

• Ongoing,aggressivemarketing

• Highlyqualified,experienced,andfriendlystaff

• Adynamic,easy-to-navigatewebsite

Expectations

Forecast

DowntownCoffee&BagelsexpectstogrossthefollowingrevenuesfromFY1-FY5asthebusinessscalesby 10%YOY.

• FY1-$264,600

• FY2-$379,260

• FY3-$417,186

• FY4-$458,904

• FY5-$504,794

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FinancialHighlightsbyYear

FinancingNeeded

DowntownCoffee&Bagelsisseeking$250,000fromanangelinvestor.

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DowntownCoffee&Bagels

BusinessPlan

ProblemandSolution

ProblemWorthSolving Background

Openingacoffeeshopcanbehighlyprofitableifyoudoitright.Ifyoupassbyanybusyspecialtycoffeeshop, itwilllikelybefullofcustomersenjoyingcoffee,espresso,lattes,teas,pastries,andothergoodies.

Withmorethan400billioncupsofdrinksconsumedeveryyear,coffeeistheworld'smostpopularbeverage.

Therearefewthingsbetterthangettingtheirfood–orcoffee–quicklyandconvenientlyforanon-the-go consumer.Itisevenbetteriftheydonothavetoleavetheircartogetit.

Drive-thrushavebeenamainstayforfastfoodrestaurantsfordecades,butnowtheyarecroppingup everywhere,frompharmaciestocoffeeshops.Thereisamethodtothemadness–anestimated50to70 percentoffast-foodsalescomefromthedrive-thru.So,itisonlyunderstandablecoffeeshopstrytoboost theirsaleswiththesamesimplesolution.

WhetherCovid-19istoblameornot,therealsoseemstobeabigpushtomakedrive-thrucoffeeaglobal trend.

LocalMarketOpportunity

DuetoCovid-19,moreandmorepeoplewantsafetyandpeaceofmindtobeapartoftheircoffeeexperience. Drive-thruhasfarfewersharedtouchpointsandfeweropportunitiesforcontamination.

Thespecialty-coffeehousemarketisgrowingatahealthypace.Therehasnotbeenasingleyear;specialty coffeesaleshavenotrisen.Inseveralcases,theincreasehasbeenindoubledigits.

Inaddition,nocoffeehousechainshavefailedduringthistime,althoughthelistofcasualtiesinother industriesisquitelong.

ThesemarketconditionscreatealocalbusinessopportunityinAustintoopenadrive-thruthatprovides qualitycoffeeandconveniencewithdrive-thruwindowserviceandindoorseating.

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OurSolution

TheContextforOurSolution

Coffeeshopscangainrevenueandretaincustomersbycreatingafast,efficient,andfriendlydrive-thru experience.Speedandconveniencemakedrive-thruattractive,appealing,andaccessibletomorecoffee drinkersthatmightnotbeabletopatronizeadine-incafe.

Coffeeshopsthatcandeliveranexceptionalproductinadrive-thrusettingcanbuildstrongcustomer loyaltyandrepeatbusinesswhilestillprovidingconvenience

OurSolution

DowntownCoffee&Bagelsplanstotakeadvantageofthisbusinessopportunitybyopeninganindependent drive-thrucoffeeshopthatoffersspecialtycoffeeandteasinaunique,welcomingenvironmentnotfoundin othercoffeeshops.

Ourcoffeeshopwillbetastefullydecoratedandfurnishedandbetheperfectplacetorelaxcomfortably, workawayfromhomeorspendtimecatchingupwithfriends.

TargetMarketSegments

DowntownCoffee&Bagels'customerbaseiscomprisedofthefollowingtargetmarketgroups:

• Maleandfemalecustomers

• 18–65-year-olds

• Working-classandwhite-collar

• Dailycoffeedrinkers

• Livewithina2-5milesradiusofthecoffeeshoplocation

DowntownCoffee&Bagelswillnotbecomeoverlydependentonanysingleconsumergroupbyappealingto severalmarketsegments.

DemographicsofAustin,Texas

In2019,Austin,TX,hadapopulationof979kpeoplewithamedianageof33.9andamedianhousehold incomeof$75,413.Between2018and2019,thepopulationofAustin,TX,grewfrom964,243to979,263,a 1.56%increase,anditsmedianhouseholdincomegrewfrom$71,543to$75,413,a5.41%increase.

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DowntownCoffee&Bagels

DowntownCoffee&Bagels

ThefivelargestethnicgroupsinAustin,TX,are:

• White(Non-Hispanic)(48.8%)

• White(Hispanic)(24.2%)

• Asian(Non-Hispanic)(8.12%)

• BlackorAfricanAmerican(Non-Hispanic)(7.39%)

• Other(Hispanic)(5.79%)

ProductsandServices

DowntownCoffee&Bagelsoffersthefollowingproductsandservices:

Products

• Coffee

• Teas

• Muffins

• Bagels

• Breakfastsandwiches

• AssortedPastries

Services

• Dine-in

• Takeout

• Drive-thru

PricingStrategy

DowntownCoffee&BagelsplanstousetheAbsorptionPricingStrategytoensureallcosts(variableand fixed)involvedarecalculatedwhenestablishingpricesforourproductsandservices.

UsingthispricingstrategywillallowDowntownCoffee&Bagelstoconsistentlyensureweofferour productsandservicesatattractivepricestocustomersbutstillgenerategoodprofitmarginsforour company.

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Competition

CompetitiveAnalysis

DowntownCoffee&BagelswillhavealocalcompetitioninAustin,TX.Thefollowingbusinesseshavebeen identifiedasthetopcompetitorsinourmarket.TheyhavebeenratedonGooglebyconsumersregarding theirmenu,pricing,andoverallcustomersatisfaction.

LocalCompetitors:

• SummerMoonCoffee-4.5Google

• Jo'sCoffee-4.5Google

• Starbucks-4.1Google

• HoundstoothCoffee-4.6Google

• TheHideoutCoffeeHouse-4.4Google

• TryHardCoffeeRoasters-4.9Google

• MachineHeadCoffee-4.7Google

• Spokesman-South-4.7Google

• Mañana-4.6Google

• CartelRoastingCo.-4.3Google

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OurAdvantages

DowntownCoffee&Bagelshasseveralkeyadvantagesthatwillhelpusstandoutamongcompetitorsinour targetconsumermarketarea.Thoseadvantagesare:

• Wewillhaveadrive-thruwindowthatprovidesfastandconvenientservicetocustomers

• Significantlyhigherqualityandbettertastingspecialtycoffee,teas,andsidemenuitems

• Thebackgroundandexperienceoftheownerwillhelpguideandgrowourbusinessinthelocal coffeemarket

• Ourlocationwillbelocatednearseveralretailshops,businesses,athrivingresidentialcommunity

• Afamily-friendlyenvironmentwithfreeInternetservice

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SWOTAnalysis

Strengths

• Thesuperiortasteandqualityofourspecialtycoffeeandteas

• Thebackgroundandexperienceofourmanagement

• Strongmarketdemandforspecialtycoffeesandteas

Weaknesses

• Enteringanalreadyestablishedmarketwithlargercompetitors

• Consumersmaynotwanttotryanewcoffeeshopasmostcoffeedrinkershaveafavoriteplace wheretheyliketobuytheircoffee

• Theamountoftimeandexpenseittakestomarketanewcoffeeshopandbuildaloyalcustomer base

Opportunities

• Localbusinesses,governmentoffices,healthcarefacilities,andretailstoresthatwantourcoffeeand fooditemscanleadtoadditionalrevenuestreamsbyofferingdeliveryservices

• Expandingtoasecondlocation

• Oure-commercewebsitecanexponentiallygrowourbusinessbysellingourcoffee,tea,fooditems, andotherproducts

Threats

• Newmarketingstrategiesandtacticsbyestablishedcoffeeshopscanlimitoursalesandmarket share

• Aninterruptioninoursupplychainthatpreventsusfromgettingthetypeofspecialtycoffeesand teasweuseatourcoffeeshop

• Adownturninthelocaleconomycandirectlyimpactourcustomersandimpactourpotential revenue

• Ifamemberofourstaffbecomessickorinjured,itcouldnegativelyimpactbusinessoperations

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IndustryandMarketOverview

IndustryMarketandMarketAnalysis

IndustryDescription

Coffeehousescomeinvariousforms,buttraditionally,theysellpreparedcoffee,tea,andotherhotbeverages. Morerecently,manycoffeehousesalsocompetewithotherrestaurantsinthelimited-servicecategoryby servingbakedgoods,sandwiches,salads,andothersnackitems.In2020/21,consumersworldwidedrank morethan157.38million60kgbagsofcoffee.

Majorproductssoldbycoffeeshopsincludebeveragesandcomplimentaryfooditems.Beveragesinclude brewedcoffeeandtea;espressodrinks(cappuccinos,cafelattes);coldblendeddrinks;bottledwater;soft drinks,andjuices.Foodproductsincludepastries,bakeryitems,desserts,sandwiches,andcandy.

IndustryForces

Expansion/Growth

Asignificantdriverinthecoffeeshopindustryisgrowingdomesticandinternationalexpansion.Thecritical channelofdistributioninthisindustryis"company-operatedstoreslocatedinhigh-traffic,highvisibility centers,"Industrycompetitionisstructuredaroundvyingformarketsharebyopeningnewretailshopsin citiesaroundtheworld.

Product/ServiceInnovation

Aseconddrivingforceinthisindustryisproductinnovation.Seriouscoffeeshopcontendersnowoffera productselectionbroaderthanthetraditionalcupofcoffee.Nationalchainsandevenlocalcoffeeshops boastmenus,includingcoffees,teas,hotchocolate,pastries,bottledwater,andevensandwiches.

Collaboration/Partnership

Afurthercriticaldriver,whichtiesintotheindustry'sfocusongrowthandproduct/serviceinnovation,has beencollaborationandpartnership.Starbuckswasthefirsttorealizethebenefitsofpartneringwhenit reachedouttopowerhousebrandslikePepsi,BarnesandNoble,Nordstrom,Kraft,andUnitedAirlinesto createnewproducts,reachnewcustomersandenternewdistributionchannelslikegrocery,cruiselines, andtheairlineindustry.

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Image/Lifestyle

Additionally,consumers'perceptionofwhatabrandstandsforisincreasinglyimpactedbythisindustry. WhenStarbuckswasfirstcreated,itsCEO'svisionwastocreatea"thirdplace"forAmericans.Americans alreadyspentconsiderabletimeathomeandwork.HisvisionwastoprovideathirdplaceforAmericansto drinkcoffeeandinvestsignificantpersonaltime.Forthisreason,industrymarketingeffortsarecloselytied totheimage/lifestyleprojectedbythechain.

Technology

Afurtherdrivingforceistheroleoftechnology.Linemanagementisasignificantissueforcoffeehousesas oftenthedemandisconcentratedintheearlymornings.Forexample,Starbuckshasimprovedcustomer servicebyintroducingautomaticespressomachines.AccordingtoMichelleGass,ChiefMerchantofGlobal ProductStarbucks,efficiencyisacriticaldriverincustomersatisfactionascustomers"wanttheirbeverage inunderthreeminutes.

IndustryTrends

• Consumerpreferenceforpremiumspecialtycoffeeisfuelinggrowthinthespecialtycoffeeshops market

• Coffeeshopsarerevampingthemselvestobecomesocializationhubswhicharespurringindustry growth

• Coffeeshopsarethenewworkplacesfordigitalnomads

• Member-onlycoffeeshopsarebeginningtoemergeinthemarket

• GenerationZisevolvingasasignificantcustomergroupforcoffeeshops,eventhoughmanyaretoo youngtowork

• Coffeeshopsarefocusingonfoamartasawaytodelightcustomers

• Coffeehousesarestrivingforcompetitivegainsbygoingdigital

• Coffeeshopsarefocusingonwastereductionstrategiestoearncustomerloyalty

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KeyIndustryPlayers

ThefollowingcompaniesholdthelargestmarketshareintheUS.

• Starbucks

• DunkinDonuts

• Coffee&BagelBrands

• CaribouCoffee

• CoffeeBeanandTeaLeaf

• Peet'sCoffee MarketAnalysis MarketValue

• In2021theCoffeeShopIndustrywasvaluedatover$47billion

MarketSize

• In2021,theCoffeeShopIndustryhadover80,760businessesintheUS

MarketGrowth

• Duringtheforecastperiodof2020-2025,theCoffeeShopIndustryisexpectedtogrowbyaCAGR of4.8%

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Execution Marketing&Sales

MarketingPlan

DowntownCoffee&Bagelswillhavearobustmarketingstrategytocontinuouslyincreaseawarenessabout ourcoffeeshopandgrowitscustomerbase.

Potentialmarketingstrategiesareasfollows:

• WebSiteandSocialMediaMarketing-WewillensureourdynamiceCommercewebsiteinforms customersaboutourcoffeeshopandmenuitems.Wewillalsouseallsocialmediaplatformsto engagewithnewandexistingcustomersbylettingthemposttheirpicturesandvideoswhile visitingourcoffeeshop.Wewillalsoutilizeoursocialmediapostsandstoriestocreateawareness aboutourcoffeeshop,location,andthebeverageandfooditemsweserve.

• Liveevents-Wewillholdliveeventsandfunactivitiesatourcoffeeshoptobringinexistingand newconsumers.

• WordofMouth-Bygivingexistingandfirst-timecustomersgreatcoffee,teas,complimentaryfood items,andexcellentservice,thewordissuretospread.

• CustomerDiscountCards-Implementingacustomerdiscountprogramandacardwillbe investigatedtoenticecustomerstopurchasefrequentlyatourcoffeeshop.Informationgathered throughthisprogramcanbeutilizedtofeeddirectmailandemailcampaignsforspecialprogram discountsorinformation.

• CoffeeShopParaphernalia-Wewillhavevariousitemsthatbearourlogos,suchashats,coffee mugs,orshirtsthatcustomerscanbuy.Thiswillhelpdrivevisualmarketing.

Allmarketingdecisionsaboutspecificmediachoices,frequency,size,andexpenditureswillbeconducted ongoingwithcarefulconsiderationofreturnsgenerated.Allmarketingstrategiesandtacticswillbetracked foreffectivenessandresults.

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SalesPlan

DowntownCoffee&Bagelswillfocusonthefollowingsalesstrategies.Wewillusesomeorallofthe followingtacticstogetnewcustomersin,getthesecustomerstocomeback,andofferadditionalitemsto generatemorespendingpersale-percustomer.

1.Attractnewcustomerstoourcoffeeshop

• Participateineventsheldnearourlocation

• Usesocialmediaandofflinemarketingtechniquestoattractnewcustomers

• Developafirst-timecustomerprogram

2.UseCustomerRetentionStrategiestoIncreaseLoyalty

• Developacustomerloyaltyprogram

• Getinvolvedinthelocalcommunityandsupportlocaleventssoconsumersfeelveryconnectedto ourbusiness,brand,andourvalues

• Trainourstafftoofferthebestcustomerexperiencepossiblesothatcustomerswillalwayswantto return

3.OfferCustomersDifferentWaystoBuy

• Allowcustomerstoplaceordersatourcoffeeshop,drive-thru,oronourwebsite

• AllowcustomerstoorderonappslikeGrubhubandUberEats

4.TrainOurStafftoUp-sell

• Providetastetestsamplesofourdeliciouscoffeesandteas

• Describevariousmenuitems

• Assumeourcustomerswillwantothercomplimentaryitemswhentheyordercoffeeortea

• Suggestnewoptionstotrywhenitemsareaddedtoourmenu

ThecoffeeshopwillbeequippedwithaniPadrunningafamiliarpoint-of-saleapp.WewillacceptVisa, MasterCard,GooglePay,andApplePaypayments.Wealsohaveasmalltilltoacceptcashpaymentsand makechange.

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Operations

Locations&Facilities

DowntownCoffee&Bagelswillbelocatedat3721US290,Austin,TX78737.

Technology

DowntownCoffee&Bagelswillusethefollowingtechnologyforthedailyoperationsofthebusiness:

• Square

• Companywebsite

• Instagram

• Facebook

• TikTok

• Google

• Yelp

Equipment&Tools

DowntownCoffee&Bagelswillneedthefollowingequipmenttostartoperations:

• High-QualityEspressoMachines

• AutomaticDripCoffeeMakers

• IndustrialCoffeeGrinders

• CoffeeBrewersandFiltrationSystem

• CommercialRefrigeration

• CommercialFreezer

• OvenToaster

• Shelving/Countertops

• IndustrialBlenderandCommercialMixer

• BakeryCase

• PosSystem

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KeyMetrics

DowntownCoffee&Bagelsisfocusedonmaintainingandgrowingitsbrandinthelocalmarket.To accomplishthis,thecompanyhasidentifiedseveralkeymetricsthatwillbetrackedtoensurebusiness sustainabilityandgrowth:

BusinessandRevenueKPIs

• Newcustomersales

• Theaveragerevenuepercustomer

• Inventoryturnoverrate

• Costofgoods

• Laborcost

• Generaloperatingcosts

• Repeatconsumerpurchases

• Year-over-yearsalesgrowthrate

• Grossprofitmargin

CustomerexperienceKPIs

• Onlinecustomerreviews

• Customernetpromoterscore

SocialMediaKPIs

• Socialengagementmetrics

• Likes

• Comments

• Shares

• Engagementrate

WebsiteMetrics

• Websiteengagement

• SEOKeywordrankingsandsearchtraffic

• LeadsandConversions

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Company Overview

DowntownCoffee&BagelswillbestructuredasanLLC;theownerwillbeJohnFarley.

Team ManagementTeam

JohnFarleyplanstobuildafive-starexperienceforcustomerswhocometoDowntownCoffeeandBagels. Heaimstocontinueattractingbusyprofessionalsonthego,remoteworkerslookingforaplacetoconnect towifiandenjoycoffeeandabagel,employeesandgroupsofcoworkersfrombusinessesinthearea,and residents.

JohnattendedOhioStateUniversityandhasabachelor'sDegreeinBusinessAdministration.Healsohas over20yearsofcustomerserviceexperienceandextensivefoodserviceandoperationalrestaurant experience.

Johnhasalsoheldseveralmanagementpositions.Hehaslearnedeverythingfromcookingtoinventory controls,labor,schedulingandlaborcosts,productprepping,andhospitalitythroughouthiscareer.

Advisors

BryantHamiltonJarrett

BryantHamiltonJarrettisaCertifiedBusinessConsultantwithover25yearsofexperienceasacorporate executiveforseveralFortune500Companies.Mr.Jarrettcurrentlyownsandoperatestwosuccessful businesses.

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FinancialPlan Forecast

KeyAssumptions

DowntownCoffee&Bagelsbasesitsfinancialprojectionsonthefollowingkeyassumptions:

1. Weexpecttoaverageabout150customersadaybasedonmarketaveragesforacoffeeshop

2. Averagemenuorder(theaverageoverallorder)=$7.00

3. Averagemonthlysales=$7.00x150customersperdayx7daysaweekx4weeksamonth= $29,400.Inourfirstyear,weexpecttogross$264,600(ourfirstyearisapartialyear)

4. Weexpecttomake$379,260inoursecondfullyear

5. Weestimateourcostofgoodstorunat28%

DowntownCoffee&BagelsexpectstogrossthefollowingrevenuesfromFY1-FY5asthebusinessscalesby 10%YOY.

• FY1-$264,600

• FY2-$379,260

• FY3-$417,186

• FY4-$458,904

• FY5-$504,794

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RevenuebyMonth

ExpensesbyMonth

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NetProfit(orLoss)byYear

Financing

Useoffunds

DowntownCoffee&Bagelswillusethe$250,000forthefollowing:

• Renovations

• Operatingexpenses

• Exteriorsignage

• Equipmentandoperatingsupplies

• Sixmonthsofoperatingexpenses

SourcesofFunds

DowntownCoffee&Bagelsisseekingfundingof$250,000fromanangelinvestor.

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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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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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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

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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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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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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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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BalanceSheet(WithMonthlyDetail)

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 $2,426 $4,851 $7,277 $2,425 $4,851 $7,276 $2,426 $4,851 $7,277

Short-Term Debt

Prepaid Revenue

Total Current Liabilities $0 $0 $2,426 $4,851 $7,277 $2,425 $4,851 $7,276 $2,426 $4,851 $7,277

Long-Term Debt

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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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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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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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CashFlowStatement(WithMonthlyDetail)

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

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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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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

Change in Prepaid 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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2024

Jan '24

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

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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