BusinessFinancial review
Review of your financial statements with key ratios
Pricefrom $19
Payment protectionDetails
- Revisions within the package are free.
- If you do not respond within 3 days of delivery, the work is accepted automatically.
The money is reserved when you pay and released only once you accept the work.
Example result
Example for the Standard package
12-month forecast: a coffee kiosk at a ferry terminal
Key assumptions
| Assumption | Value | Source |
|---|---|---|
| Average check | $6.50 | Owner's menu |
| Ingredients and cup per sale | $1.90 | Supplier price list |
| Card fees | 2.5% of revenue ($0.16) | Payment terminal tariff |
| Fixed costs per month | $9,000 | Rent $1,800, staff $6,400, utilities $350, other $450 |
| Start-up spend | $38,000 | Machine and grinders, fit-out, opening stock |
| Loan repayment | $600 per month | Loan offer |
Unit economics
- Revenue per cup: $6.50
- Variable cost per cup: $2.06
- Contribution per cup: $4.44 (68% margin)
Break-even point
$9,000 ÷ $4.44 = 2,027 cups a month, about 68 cups a day over 30 days. The forecast reaches it in month 3.
Monthly forecast
| Month | Cups sold | Revenue, $ | Profit, $ | Cash at month end, $ |
|---|---|---|---|---|
| 1 | 1,500 | 9,750 | −2,340 | 4,060 |
| 2 | 1,900 | 12,350 | −564 | 2,896 |
| 3 | 2,300 | 14,950 | 1,212 | 3,508 |
| 4 | 2,600 | 16,900 | 2,544 | 5,452 |
| 5 | 2,900 | 18,850 | 3,876 | 8,728 |
| 6 | 3,100 | 20,150 | 4,764 | 12,892 |
| 7 | 3,300 | 21,450 | 5,652 | 17,944 |
| 8 | 3,300 | 21,450 | 5,652 | 22,996 |
| 9 | 3,100 | 20,150 | 4,764 | 27,160 |
| 10 | 2,900 | 18,850 | 3,876 | 30,436 |
| 11 | 2,800 | 18,200 | 3,432 | 33,268 |
| 12 | 3,000 | 19,500 | 4,320 | 36,988 |
Year 1 totals: revenue $212,550, operating profit $37,188, cash at year end $36,988.
What the numbers say
- Months 1–2 are the tight spot. Cash drops to about $2,900 in month 2. Keep at least $3,000 in reserve or delay one hire until month 3.
- Summer carries the year. Months 5–9 bring about two-thirds of annual profit, so plan marketing and staff holidays around them.
- Price matters more than volume. Raising the average check by $0.50 lifts year 1 profit by about $16,900; selling 10% more cups adds about $15,000.
- Payback. At the current pace, the $38,000 start-up spend is covered in roughly 13 months.
All formulas are live in the Excel file: change any yellow cell on the Assumptions sheet and every month updates.
Client: Morning Dock, a coffee kiosk opening in March at a commuter ferry terminal. Owner's investment $25,000 plus a $20,000 equipment loan.
The client and all details are made up.
About this service
We build a forecast from the numbers you give us: prices, costs, expected sales and growth. You see sales, costs, profit and cash flow month by month, the break-even point and the unit economics behind them. Every assumption is listed, so you can change a number and understand what it affects.
What is included
- What you getForecast tables (sales, costs, profit, cash flow and break-even) with a list of assumptions and a short summary of what the numbers mean. Tables come as text on the order page and as an Excel (.xlsx) file. This is an estimate for planning, not financial, tax or investment advice.
- Unit economicsRevenue, cost and margin per sale or customer
- Break-even pointHow many sales you need to cover costs
- Monthly forecastSales, costs and profit, from Standard
- Cash flowWhen money comes in and goes out
- Three scenariosPessimistic, base and optimistic in Premium
- Assumptions listedEvery number you can adjust, in one place
How it works
- 1BriefYou share prices, costs and sales plans
- 2CalculationWe build the tables and assumptions
- 3CheckWe re-check every total and formula logic
- 4DeliveryYou get the tables, an Excel file and summary
What we need from you
How your business earns money, prices, fixed and per-unit costs, expected sales or growth, start-up costs and the period you need, pasted as text. Documents can also be attached as PDF, Word or Excel files.
We will ask you:
- What do you sell and how do you earn money?
- What are your prices and main costs?
- How many sales do you expect at first and how fast will they grow?
- What period and currency do you need?
- What is the forecast for?
Compare packages
| Packages | BasicBreak-even and unit economics$19 | Standard12-month forecast$39 | Premium3-year forecast with 3 scenarios$79 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 4 days |
| Revisions | 1 | 2 | 3 |
| Period | per unit and per month | 12 months | 3 years |
| Scenarios | 1 | 1 | 3 |
| Cash flow table | No | Yes | Yes |
| Tables in Excel (.xlsx) | Yes | Yes | Yes |
| Order Basic | Order Standard | Order Premium |
Payment protection
You pay when you order, but the money is released only for accepted work.
- Fixed priceThe package price does not change after you pay.
- The money is reservedWhen you pay, the amount is only reserved. It is released to the service once you accept the work.
- Checked before deliveryEvery result goes through a quality check before it reaches you, and you see it on the order page before accepting it.
- Free revisionsAsk for changes within your brief as many times as the package allows.
- Acceptance after 3 daysIf within 3 days of delivery you neither accept the work nor ask for changes, it is accepted automatically. If you write in the order chat after delivery, the order waits; once we answer, we may start the 3 days again and will say so in the chat.
- Redo or a full refundIf the result does not match your brief and the revisions did not fix it, or the work takes more than twice its deadline, write in the order chat: we will redo the work or refund the payment in full.
Questions and answers
Is this financial advice?
No. It is an estimate based on your data, with no guarantee of results. Have an accountant or financial adviser review it before important decisions.
Do I get a spreadsheet file with formulas?
Yes, the tables come as an Excel (.xlsx) file, along with the text on the order page.
Do you do bookkeeping or taxes?
No. This service is a forecast from your numbers only; bookkeeping and tax returns are not included.
What if I don't know some numbers?
We use typical assumptions for your type of business and mark them clearly, so you can replace them later.
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