BusinessRestaurant finance
Financial forecast for a restaurant, cafe or food truck
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
Financial review: 3 years of statements for a specialty coffee roaster
Key ratios
| Ratio | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Revenue | $612,000 | $698,000 | $781,000 | ▲ +12% a year |
| Gross margin | 58% | 55% | 51% | ▼ |
| Net margin | 7.4% | 6.1% | 4.2% | ▼ |
| Current ratio | 1.6 | 1.3 | 1.1 | ▼ |
| Debt to equity | 0.4 | 0.5 | 0.8 | ▲ |
| Days of inventory | 38 | 47 | 61 | ▲ |
| Operating cash flow | $61,000 | $44,000 | $18,000 | ▼ |
What drives your profit
Sales grew steadily, but each dollar of sales keeps less profit. Three things explain most of it:
- Green coffee costs rose from 24% to 31% of revenue. Café prices were raised once, in 2024; online prices were not changed.
- Wholesale share grew from 18% to 33% of revenue at a gross margin of about 35%, compared with 68% in the café.
- Wages grew in line with sales, which is healthy; they are not the problem.
Warning signs
- Inventory more than doubled ($27,000 to $64,000) while sales grew 28%. Cash is sitting in green coffee bags.
- Cash from operations fell by 70% in two years, while net profit fell by only 27%. The gap is inventory and slower payments from wholesale clients (receivables up from 21 to 39 days).
- Current ratio of 1.1 leaves very little room for a new loan repayment.
Questions to ask your accountant
- Is the inventory valued at current or historical cost, and is any of it older than 12 months?
- Are wholesale payment terms written into contracts, and are they enforced?
- What monthly repayment can the business carry if operating cash flow stays at 2025 levels?
What this means for the second café
On these numbers, a loan now would rely on cash the business is not generating. Raising online and wholesale prices and cutting inventory back to around 40 days and collecting wholesale invoices on time could release roughly $35,000 in cash within a year, before taking on new debt.
This review is not an audit or financial advice; discuss it with your accountant before acting.
Client: a coffee roaster with a small café and online sales, 9 employees Documents: profit and loss, balance sheet and cash flow statement for 2023–2025 Why: the owners are planning a second café and want to know if the business can carry a loan.
The client and all details are made up.
About this service
Send your profit and loss statement, balance sheet and cash flow statement as PDF, Word or Excel files or photos, and tell us your industry, country and why you need the review. We work out margin, liquidity, debt and working capital ratios and their trend, explain in plain words what drives your profit and point out warning signs. This is not financial or investment advice and not an audit, so take the report to your accountant or financial adviser in your country before acting on it.
What is included
- What you getA plain-language report in Word and an Excel sheet of ratios with the source figures next to each one, so you can check the arithmetic: margins, liquidity, debt and working capital with their trend, what drives profit, warning signs and questions for your accountant or bank. In Premium, also a month-by-month view and a 90-day action list.
- Key ratiosMargins, liquidity, debt and working capital
- TrendHow each ratio changed year to year
- What drives profitRevenue, costs and margins explained simply
- Warning signsWhere the numbers need a closer look
- Questions to askFor your accountant, bank or the seller
- 90-day action listIn Premium: steps to discuss with your team
How it works
- 1BriefYou upload the statements and explain the goal
- 2CalculationWe work out the ratios from your figures
- 3ReportWe explain the results in plain words
- 4DeliveryYou get the Word report and the Excel ratios
What we need from you
Your statements for the years you want reviewed (PDF with selectable text, Word, Excel or clear photos, up to 5 files), your industry and country, the reason for the review, such as a loan, an investor, buying a business or your own control, and anything unusual in those years.
We will ask you:
- What industry is the business in, and in which country?
- Why do you need the review?
- Which years or months should we cover?
- Was there anything unusual in this period?
Compare packages
| Packages | BasicOne year, P&L only$19 | StandardUp to 3 years, all three statements$39 | PremiumUp to 3 years plus monthly accounts and a 90-day action list$69 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 3 days |
| Revisions | 1 | 2 | 3 |
| Years | 1 | up to 3 | up to 3 |
| Statements | P&L only | all three | all three plus monthly accounts |
| 90-day action list | No | No | 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 or an audit?
Neither. It is a plain-language review of your figures, not financial or investment advice and not an auditor's opinion. Check it with your accountant or adviser in your country.
Will you tell me whether to buy the business or take the loan?
No. We show strengths, warning signs and questions to ask; the decision is yours.
How can I check your numbers?
The Excel sheet shows the source figures next to each ratio. The cells hold values, not live formulas, so you can recheck any line yourself.
Do you need access to my accounting software?
No. Export the statements as PDF or Excel files, or take clear photos, and upload up to 5 files.
Can I ask for changes?
Yes, within the revisions of your package.
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