Coffeeshop Financial Projection Template

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Company Name
Example Coffee Shop
What percentage of your monthly sales

do you typically hold in inventory?
25.00%
What is the dollar value of the inventory

you currently have on hand?
$5,000.00
Sources and Uses

Source of Funds
What is your current cash balance?
$30,000.00
Add: Current Loans

Add: Proposed Loans
Total Sources of Funds
$75,000.00
$0.00
$105,000.00
Fixed Assets
Equipment
Coffee Shop Equipment
Value
Furniture
Coffee Shop Furniture
Value
Products
Coffee Shop Sales Days to Get Paid
$30,000.00
$10,000.00
Month
Coffee Shop Sales Price
1
$5.00
Coffee Shop Sales Units Sold
1,300
5.00%
Coffee Shop Sales Labor Cost
$1.00
Coffee Shop Sales Material Cost
$1.00
Owner Draw
Operating Expenses
Accounting
Advertising
% Growth
Insurance
Legal Professional
Licenses
Maintenance
Meals Entertainment
Office Supplies
Property Tax
Rent
Telephone
Travel
Utilities
Website
Other
Miscellaneous Expense %
Income Tax %
Accounts Payable Terms
Monthly Total Sales

Monthly Material Cost
Monthly Labor Cost
Monthly Total COGS
Monthly Depreciation
Coffee Shop Sales
Product Sales
1
$0.00
1
$100.00
$100.00
5.00%
$500.00
$500.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
0.00%
0.00%
0
1
$6,500.00
$1,300.00
$1,300.00
$2,600.00
$583.33
$6,500.00
$6,500.00
Life Expectancy in Years
Life Expectancy in Years
Salvage Cost
Month Purchased
5
$0.00
Salvage Cost
Month Purchased
10
$0.00
2
$5.00
3
$5.00
4
$5.00
1,365
5.00%
1,433
5.00%
1,505
5.00%
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
2
$0.00
3
$0.00
4
$0.00
2
$100.00
$105.00
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
3
$100.00
$110.25
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
4
$100.00
$115.76
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
2
$6,825.00
$1,365.00
$1,365.00
$2,730.00
$583.33
$6,825.00
$6,825.00
3
$7,166.25
$1,433.25
$1,433.25
$2,866.50
$583.33
$7,166.25
$7,166.25
4
$7,524.56
$1,504.91
$1,504.91
$3,009.83
$583.33
$7,524.56
$7,524.56
5
$5.00
6
$5.00
7
$5.00
8
$5.00
9
$5.00
10
$5.00
1,580
5.00%
1,659
5.00%
1,742
5.00%
1,829
5.00%
1,921
5.00%
2,017
5.00%
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
5
$0.00
6
$0.00
7
$0.00
8
$0.00
9
$0.00
10
$0.00
5
$100.00
$121.55
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
6
$100.00
$127.63
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
7
$100.00
$134.01
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
8
$100.00
$140.71
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
9
$100.00
$147.75
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
10
$100.00
$155.13
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
5
$7,900.79
$1,580.16
$1,580.16
$3,160.32
$583.33
$7,900.79
$7,900.79
6
$8,295.83
$1,659.17
$1,659.17
$3,318.33
$583.33
$8,295.83
$8,295.83
7
$8,710.62
$1,742.12
$1,742.12
$3,484.25
$583.33
$8,710.62
$8,710.62
8
$9,146.15
$1,829.23
$1,829.23
$3,658.46
$583.33
$9,146.15
$9,146.15
9
$9,603.46
$1,920.69
$1,920.69
$3,841.38
$583.33
$9,603.46
$9,603.46
10
$10,083.63
$2,016.73
$2,016.73
$4,033.45
$583.33
$10,083.63
$10,083.63
11
$5.00
12
$5.00
13
$5.00
14
$5.00
15
$5.00
2,118
5.00%
2,223
1.00%
2,246
1.00%
2,268
1.00%
2,291
1.00%
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
11
$0.00
12
$0.00
13
$0.00
14
$0.00
15
$0.00
11
$100.00
$162.89
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
12
$100.00
$171.03
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
13
$100.00
$179.59
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
14
$100.00
$188.56
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
15
$100.00
$197.99
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
11
$10,587.82
$2,117.56
$2,117.56
$4,235.13
$583.33
$10,587.82
$10,587.82
12
$11,117.21
$2,223.44
$2,223.44
$4,446.88
$583.33
$11,117.21
$11,117.21
13
$11,228.38
$2,245.68
$2,245.68
$4,491.35
$583.33
$11,228.38
$11,228.38
14
$11,340.66
$2,268.13
$2,268.13
$4,536.26
$583.33
$11,340.66
$11,340.66
15
$11,454.07
$2,290.81
$2,290.81
$4,581.63
$583.33
$11,454.07
$11,454.07
16
$5.00
17
$5.00
18
$5.00
19
$5.00
20
$5.00
2,314
1.00%
2,337
1.00%
2,360
1.00%
2,384
1.00%
2,408
1.00%
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
16
$0.00
17
$0.00
18
$0.00
19
$0.00
20
$0.00
16
$100.00
$207.89
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
17
$100.00
$218.29
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
18
$100.00
$229.20
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
19
$100.00
$240.66
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
20
$100.00
$252.70
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
16
$11,568.61
$2,313.72
$2,313.72
$4,627.44
$583.33
$11,568.61
$11,568.61
17
$11,684.30
$2,336.86
$2,336.86
$4,673.72
$583.33
$11,684.30
$11,684.30
18
$11,801.14
$2,360.23
$2,360.23
$4,720.46
$583.33
$11,801.14
$11,801.14
19
$11,919.15
$2,383.83
$2,383.83
$4,767.66
$583.33
$11,919.15
$11,919.15
20
$12,038.34
$2,407.67
$2,407.67
$4,815.34
$583.33
$12,038.34
$12,038.34
21
$5.00
22
$5.00
23
$5.00
24
$5.00
25
$5.00
2,432
1.00%
2,456
1.00%
2,481
1.00%
2,505
1.00%
2,530
1.00%
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
21
$0.00
22
$0.00
23
$0.00
24
$0.00
25
$0.00
21
$100.00
$265.33
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
22
$100.00
$278.60
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
23
$100.00
$292.53
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
24
$100.00
$307.15
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
25
$100.00
$322.51
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
21
$12,158.72
$2,431.74
$2,431.74
$4,863.49
$583.33
$12,158.72
$12,158.72
22
$12,280.31
$2,456.06
$2,456.06
$4,912.12
$583.33
$12,280.31
$12,280.31
23
$12,403.11
$2,480.62
$2,480.62
$4,961.25
$583.33
$12,403.11
$12,403.11
24
$12,527.15
$2,505.43
$2,505.43
$5,010.86
$583.33
$12,527.15
$12,527.15
25
$12,652.42
$2,530.48
$2,530.48
$5,060.97
$583.33
$12,652.42
$12,652.42
26
$5.00
27
$5.00
28
$5.00
29
$5.00
30
$5.00
2,556
1.00%
2,581
1.00%
2,607
1.00%
2,633
1.00%
2,660
1.00%
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
26
$0.00
27
$0.00
28
$0.00
29
$0.00
30
$0.00
26
$100.00
$338.64
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
27
$100.00
$355.57
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
28
$100.00
$373.35
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
29
$100.00
$392.01
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
30
$100.00
$411.61
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
26
$12,778.94
$2,555.79
$2,555.79
$5,111.58
$583.33
$12,778.94
$12,778.94
27
$12,906.73
$2,581.35
$2,581.35
$5,162.69
$583.33
$12,906.73
$12,906.73
28
$13,035.80
$2,607.16
$2,607.16
$5,214.32
$583.33
$13,035.80
$13,035.80
29
$13,166.16
$2,633.23
$2,633.23
$5,266.46
$583.33
$13,166.16
$13,166.16
30
$13,297.82
$2,659.56
$2,659.56
$5,319.13
$583.33
$13,297.82
$13,297.82
31
$5.00
32
$5.00
33
$5.00
34
$5.00
35
$5.00
2,686
1.00%
2,713
1.00%
2,740
1.00%
2,768
1.00%
2,795
1.00%
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
31
$0.00
32
$0.00
33
$0.00
34
$0.00
35
$0.00
31
$100.00
$432.19
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
32
$100.00
$453.80
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
33
$100.00
$476.49
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
34
$100.00
$500.32
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
35
$100.00
$525.33
5.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
31
$13,430.80
$2,686.16
$2,686.16
$5,372.32
$583.33
$13,430.80
$13,430.80
32
$13,565.10
$2,713.02
$2,713.02
$5,426.04
$583.33
$13,565.10
$13,565.10
33
$13,700.75
$2,740.15
$2,740.15
$5,480.30
$583.33
$13,700.75
$13,700.75
34
$13,837.76
$2,767.55
$2,767.55
$5,535.10
$583.33
$13,837.76
$13,837.76
35
$13,976.14
$2,795.23
$2,795.23
$5,590.46
$583.33
$13,976.14
$13,976.14
36
$5.00
2,823
$1.00
$1.00
36
$0.00
36
$100.00
$551.60
$0.00
$0.00
$0.00
$0.00
$0.00
$100.00
$0.00
$700.00
$100.00
$100.00
$100.00
$50.00
$0.00
36
$14,115.90
$2,823.18
$2,823.18
$5,646.36
$583.33
$14,115.90
$14,115.90
Loan Amount
Length of Loan in Months
Interest Rate
Month Payments Will Start On
Bank Loan
Month Payment Number
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
Bank Loan
$75,000.00
60
7.00%
-1
Total Payment
1
$1,485.09
2
$1,485.09
3
$1,485.09
4
$1,485.09
5
$1,485.09
6
$1,485.09
7
$1,485.09
8
$1,485.09
9
$1,485.09
10
$1,485.09
11
$1,485.09
12
$1,485.09
13
$1,485.09
14
$1,485.09
15
$1,485.09
16
$1,485.09
17
$1,485.09
18
$1,485.09
19
$1,485.09
20
$1,485.09
21
$1,485.09
22
$1,485.09
23
$1,485.09
24
$1,485.09
25
$1,485.09
26
$1,485.09
27
$1,485.09
28
$1,485.09
29
$1,485.09
30
$1,485.09
31
$1,485.09
32
$1,485.09
33
$1,485.09
34
$1,485.09
35
$1,485.09
36
$1,485.09
37
$1,485.09
Interest Amount
Principal Amount
Loan Balance
$437.50
$1,047.59
$75,000.00
$431.39
$1,053.70
$73,952.41
$425.24
$1,059.85
$72,898.71
$419.06
$1,066.03
$71,838.86
$412.84
$1,072.25
$70,772.83
$406.59
$1,078.50
$69,700.58
$400.30
$1,084.79
$68,622.08
$393.97
$1,091.12
$67,537.29
$387.60
$1,097.49
$66,446.16
$381.20
$1,103.89
$65,348.68
$374.76
$1,110.33
$64,244.79
$368.28
$1,116.81
$63,134.46
$361.77
$1,123.32
$62,017.65
$355.22
$1,129.87
$60,894.33
$348.63
$1,136.46
$59,764.46
$342.00
$1,143.09
$58,628.00
$335.33
$1,149.76
$57,484.90
$328.62
$1,156.47
$56,335.14
$321.88
$1,163.21
$55,178.67
$315.09
$1,170.00
$54,015.46
$308.27
$1,176.82
$52,845.46
$301.40
$1,183.69
$51,668.63
$294.50
$1,190.59
$50,484.94
$287.55
$1,197.54
$49,294.35
$280.56
$1,204.53
$48,096.81
$273.54
$1,211.55
$46,892.29
$266.47
$1,218.62
$45,680.73
$259.36
$1,225.73
$44,462.12
$252.21
$1,232.88
$43,236.39
$245.02
$1,240.07
$42,003.51
$237.79
$1,247.30
$40,763.44
$230.51
$1,254.58
$39,516.14
$223.19
$1,261.90
$38,261.56
$215.83
$1,269.26
$36,999.66
$208.43
$1,276.66
$35,730.40
$200.98
$1,284.11
$34,453.74
$193.49
$1,291.60
$33,169.63
Job Title
Coffee Shop Manager
Manager 2
Annual Salary
Employer Taxes
Benefits
$15,000.00
15.00%
$2,000.00
$15,000.00
15.00%
$2,000.00
Coffee Shop Manager

Manager 2
1
$1,604.17
$0.00
2
$1,604.17
$0.00
3
$1,604.17
$0.00
Total Salaries
$1,604.17
$1,604.17
$1,604.17
Month Started
Month Ending
# of this Particular Employee
1
6
36
36
1
1
4
$1,604.17
$0.00
5
$1,604.17
$0.00
6
$1,604.17
$1,604.17
$1,604.17
$1,604.17
$3,208.33
7
$1,604.17
$1,604.17
8
$1,604.17
$1,604.17
9
$1,604.17
$1,604.17
10
$1,604.17
$1,604.17
11
$1,604.17
$1,604.17
12
$1,604.17
$1,604.17
$3,208.33
$3,208.33
$3,208.33
$3,208.33
$3,208.33
$3,208.33
13
$1,604.17
$1,604.17
14
$1,604.17
$1,604.17
15
$1,604.17
$1,604.17
16
$1,604.17
$1,604.17
17
$1,604.17
$1,604.17
18
$1,604.17
$1,604.17
$3,208.33
$3,208.33
$3,208.33
$3,208.33
$3,208.33
$3,208.33
19
$1,604.17
$1,604.17
20
$1,604.17
$1,604.17
21
$1,604.17
$1,604.17
22
$1,604.17
$1,604.17
23
$1,604.17
$1,604.17
24
$1,604.17
$1,604.17
$3,208.33
$3,208.33
$3,208.33
$3,208.33
$3,208.33
$3,208.33
25
$1,604.17
$1,604.17
26
$1,604.17
$1,604.17
27
$1,604.17
$1,604.17
28
$1,604.17
$1,604.17
29
$1,604.17
$1,604.17
30
$1,604.17
$1,604.17
$3,208.33
$3,208.33
$3,208.33
$3,208.33
$3,208.33
$3,208.33
31
$1,604.17
$1,604.17
32
$1,604.17
$1,604.17
33
$1,604.17
$1,604.17
34
$1,604.17
$1,604.17
35
$1,604.17
$1,604.17
36
$1,604.17
$1,604.17
$3,208.33
$3,208.33
$3,208.33
$3,208.33
$3,208.33
$3,208.33
Startup Sources and Uses

Required Starting Cash Balance
Coffee Shop Equipment
Coffee Shop Furniture
How much inventory will you start with?
Other One Time Startup Costs
Total Startup Costs
Useful Life
$30,000.00
$30,000.00
$10,000.00
$5,000.00
$50,000.00
$125,000.00
Sources of Funding
Personal Investment/Personal Savings
Outside Investment
Loans
$50,000.00
$0.00
$75,000.00
Uses of Funding
Land
Building
Equipment
Furniture
Required Starting Cash Balance
Starting Inventory
Other One Time Startup Costs
$60,000.00
$60,000.00
$30,000.00
$10,000.00
$30,000.00
$5,000.00
$50,000.00
5
10
Salvage Cost
$0.00
$0.00
Monthly Depreciation
$500.00
$83.33
Example Coffee Shop

Pro Forma Income Statement
Year 1
Month
Sales:
Coffee Shop Sales
Total Sales
$6,500
$6,500
$6,825
$6,825
$7,166
$7,166
$7,525
$7,525
Material Cost
Labor Cost
Cost of Goods Sold
$1,300
$1,300
$2,600
$1,365
$1,365
$2,730
$1,433
$1,433
$2,867
$1,505
$1,505
$3,010
Gross Margin
Percent
$3,900 $4,095 $4,300 $4,515

60.00% 60.00% 60.00% 60.00%
Operating Expenses
Accounting
Advertising
Insurance
Legal Professional
Licenses
Maintenance
Meals Entertainment
Office Supplies
Property Tax
Rent
Telephone
Travel
Utilities
Website
Other
Salaries
Loan Interest Expense
Miscellaneous Expense
Depreciation Expense
Total Operating Expenses
$100
$100
$500
$500
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$1,604
$438
$0
$583
$4,975
Net Profit
Income Tax
Net Income
($1,075)
$0
($1,075)
$100
$105
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$1,604
$431
$0
$583
$3,974
$100
$110
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$1,604
$425
$0
$583
$3,973
$100
$116
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$1,604
$419
$0
$583
$3,972
$121
$327
$542
$0
$0
$0
$121
$327
$542
10
11
12
$7,901
$7,901
$8,296
$8,296
$8,711
$8,711
$9,146
$9,146
$9,603
$9,603
$10,084
$10,084
$10,588
$10,588
$11,117
$11,117
$1,580
$1,580
$3,160
$1,659
$1,659
$3,318
$1,742
$1,742
$3,484
$1,829
$1,829
$3,658
$1,921
$1,921
$3,841
$2,017
$2,017
$4,033
$2,118
$2,118
$4,235
$2,223
$2,223
$4,447
$4,740 $4,977 $5,226 $5,488 $5,762

60.00% 60.00% 60.00% 60.00% 60.00%
$6,050
60.00%
$6,353
60.00%
$6,670
60.00%
$100
$122
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$1,604
$413
$0
$583
$3,972
$100
$148
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$388
$0
$583
$5,577
$100
$155
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$381
$0
$583
$5,578
$100
$163
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$375
$0
$583
$5,579
$100
$171
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$368
$0
$583
$5,581
$185
$472
$773
$1,089
$0
$0
$0
$0
$185
$472
$773
$1,089
$769
$0
$769
$100
$128
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$407
$0
$583
$5,576
($598)
$0
($598)
$100
$134
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$400
$0
$583
$5,576
($350)
$0
($350)
$100
$141
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$394
$0
$583
$5,576
($89)
$0
($89)
Year 1
###
###
$20,692
$20,692
$41,385
$62,077
60.00%
$1,200
$1,592
$500
$500
$0
$0
$0
$1,200
$0
$8,400
$1,200
$1,200
$1,200
$600
$0
$30,479
$4,839
$0
$7,000
$59,910
$2,167
$0
$2,167
Example Coffee Shop

Year 2
Month
Sales:
Coffee Shop Sales
Total Sales
13
14
15
16
$11,228
$11,228
$11,341
$11,341
$11,454
$11,454
$11,569
$11,569
Material Cost
Labor Cost
Cost of Goods Sold
$2,246
$2,246
$4,491
$2,268
$2,268
$4,536
$2,291
$2,291
$4,582
$2,314
$2,314
$4,627
Gross Margin
Percent
$6,737
60.00%
$6,804
60.00%
$6,872
60.00%
$6,941
60.00%
Operating Expenses
Accounting
Advertising
Insurance
Legal Professional
Licenses
Maintenance
Meals Entertainment
Office Supplies
Property Tax
Rent
Telephone
Travel
Utilities
Website
Other
Salaries
$100
$180
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$362
$0
$583
$5,583
$100
$189
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$355
$0
$583
$5,585
$100
$198
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$349
$0
$583
$5,588
$100
$208
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$342
$0
$583
$5,592
Net Profit
$1,154
$1,219
$1,284
$1,350
Income Tax
$0
$0
$0
$0
$1,154
$1,219
$1,284
$1,350
Net Income
17
18
19
20
21
22
23
$11,684
$11,684
$11,801
$11,801
$11,919
$11,919
$12,038
$12,038
$12,159
$12,159
$12,280
$12,280
$12,403
$12,403
$2,337
$2,337
$4,674
$2,360
$2,360
$4,720
$2,384
$2,384
$4,768
$2,408
$2,408
$4,815
$2,432
$2,432
$4,863
$2,456
$2,456
$4,912
$2,481
$2,481
$4,961
$7,011
60.00%
$7,081
60.00%
$7,151
60.00%
$7,223
60.00%
$7,295
60.00%
$7,368
60.00%
$7,442
60.00%
$100
$218
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$335
$0
$583
$5,595
$100
$229
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$329
$0
$583
$5,599
$100
$241
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$322
$0
$583
$5,604
$100
$253
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$315
$0
$583
$5,609
$100
$265
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$308
$0
$583
$5,615
$100
$279
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$301
$0
$583
$5,622
$100
$293
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$294
$0
$583
$5,629
$1,415
$1,481
$1,547
$1,614
$1,680
$1,747
$1,813
$0
$0
$0
$0
$0
$0
$0
$1,415
$1,481
$1,547
$1,614
$1,680
$1,747
$1,813
24 Year 2
$12,527
$12,527
###
###
$2,505 $28,481
$2,505 $28,481
$5,011 $56,962
$7,516 $85,442
60.00% 60.00%
$100 $1,200
$307 $2,858
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$100 $1,200
$0
$0
$700 $8,400
$100 $1,200
$100 $1,200
$100 $1,200
$50
$600
$0
$0
$3,208 $38,500
$288 $3,900
$0
$0
$583 $7,000
$5,636 $67,259
$1,880 $18,184
$0
$0
$1,880 $18,184
Example Coffee Shop

Year 3
Month
Sales:
Coffee Shop Sales
Total Sales
25
26
27
28
$12,652
$12,652
$12,779
$12,779
$12,907
$12,907
$13,036
$13,036
Material Cost
Labor Cost
Cost of Goods Sold
$2,530
$2,530
$5,061
$2,556
$2,556
$5,112
$2,581
$2,581
$5,163
$2,607
$2,607
$5,214
Gross Margin
Percent
$7,591
60.00%
$7,667
60.00%
$7,744
60.00%
$7,821
60.00%
Operating Expenses
Accounting
Advertising
Insurance
Legal Professional
Licenses
Maintenance
Meals Entertainment
Office Supplies
Property Tax
Rent
Telephone
Travel
Utilities
Website
Other
Salaries
$100
$323
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$281
$0
$583
$5,645
$100
$339
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$274
$0
$583
$5,654
$100
$356
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$266
$0
$583
$5,664
$100
$373
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$259
$0
$583
$5,674
Net Profit
$1,947
$2,014
$2,080
$2,147
Income Tax
$0
$0
$0
$0
$1,947
$2,014
$2,080
$2,147
Net Income
29
30
31
32
33
34
35
$13,166
$13,166
$13,298
$13,298
$13,431
$13,431
$13,565
$13,565
$13,701
$13,701
$13,838
$13,838
$13,976
$13,976
$2,633
$2,633
$5,266
$2,660
$2,660
$5,319
$2,686
$2,686
$5,372
$2,713
$2,713
$5,426
$2,740
$2,740
$5,480
$2,768
$2,768
$5,535
$2,795
$2,795
$5,590
$7,900
60.00%
$7,979
60.00%
$8,058
60.00%
$8,139
60.00%
$8,220
60.00%
$8,303
60.00%
$8,386
60.00%
$100
$392
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$252
$0
$583
$5,686
$100
$412
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$245
$0
$583
$5,698
$100
$432
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$238
$0
$583
$5,712
$100
$454
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$231
$0
$583
$5,726
$100
$476
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$223
$0
$583
$5,741
$100
$500
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$216
$0
$583
$5,758
$100
$525
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$208
$0
$583
$5,775
$2,214
$2,280
$2,347
$2,413
$2,479
$2,545
$2,610
$0
$0
$0
$0
$0
$0
$0
$2,214
$2,280
$2,347
$2,413
$2,479
$2,545
$2,610
36 Year 3
$14,116
$14,116
###
###
$2,823 $32,093
$2,823 $32,093
$5,646 $64,186
$8,470 $96,279
60.00% 60.00%
$100 $1,200
$552 $5,133
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$100 $1,200
$0
$0
$700 $8,400
$100 $1,200
$100 $1,200
$100 $1,200
$50
$600
$0
$0
$3,208 $38,500
$201 $2,894
$0
$0
$583 $7,000
$5,794 $68,527
$2,675 $27,751
$0
$0
$2,675 $27,751
Example Coffee Shop

Cash Flow Statement
Year 1
0
Cash Balance
$0
$30,000
$35,611
Cash Receipts
Product Sales
Loans
Total Cash Receipts
$0
$0
$0
$6,500
$0
$6,500
$6,825
$0
$6,825
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$40,000
$0
$0
$0
$40,000
$650
$650
$50
$50
$250
$250
$0
$0
$0
$50
$0
$350
$50
$50
$50
$25
$0
$1,604
$438
$1,048
$0
$0
$0
$0
$4,675
$889
$1,333
$1,333
$100
$103
$250
$250
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$1,604
$431
$1,054
$0
$0
$0
$0
($16)
$7,623
Net Cash Flow
($40,000)
$5,611
($798)
Cumulative Cash Flow
($40,000)
Cash Disbursements
Material Costs
Labor Costs
Accounting
Advertising
Insurance
Legal Professional
Licenses
Maintenance
Meals Entertainment
Office Supplies
Property Tax
Rent
Telephone
Travel
Utilities
Website
Other
Salaries
Loan Principal Expense
Owner Draw
Capital Purchases
Miscellaneous
Income Tax
Change in Inventory
Total Cash Disbursements
($34,389)
($35,187)
$34,813
$34,717
$34,833
$35,172
$34,141
$33,355
$7,166
$0
$7,166
$7,525
$0
$7,525
$7,901
$0
$7,901
$8,296
$0
$8,296
$8,711
$0
$8,711
$9,146
$0
$9,146
$1,399
$1,399
$100
$108
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$1,604
$425
$1,060
$0
$0
$0
$0
($17)
$7,262
$1,469
$1,469
$100
$113
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$1,604
$419
$1,066
$0
$0
$0
$0
($18)
$7,408
$1,543
$1,543
$100
$119
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$1,604
$413
$1,072
$0
$0
$0
$0
($19)
$7,562
$1,620
$1,620
$100
$125
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$407
$1,079
$0
$0
$0
$0
($20)
$9,327
$1,701
$1,701
$100
$131
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$400
$1,085
$0
$0
$0
$0
($21)
$9,496
$1,786
$1,786
$100
$137
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$394
$1,091
$0
$0
$0
$0
($22)
$9,674
($1,031)
($786)
($528)
($35,859)
($36,645)
($37,173)
($96)
($35,283)
$116
($35,167)
$339
($34,828)
10
11
12 Year 1
$32,827
$32,570
$32,598
$9,603
$0
$9,603
$10,084
$0
$10,084
$10,588
$0
$10,588
$11,117
$0
$11,117
$1,875
$1,875
$100
$144
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$388
$1,097
$0
$0
$0
$0
($23)
$9,860
$1,969
$1,969
$100
$151
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$381
$1,104
$0
$0
$0
$0
($24)
$10,056
$2,067
$2,067
$100
$159
$0
$0
$0
$0
$0
$100
$0
$700
$100
$100
$100
$50
$0
$3,208
$375
$1,110
$0
$0
$0
$0
($25)
$10,262
$2,171 $19,581
$2,171 $19,581
$100 $1,150
$167 $1,506
$0
$500
$0
$500
$0
$0
$0
$0
$0
$0
$100 $1,150
$0
$0
$700 $8,050
$100 $1,150
$100 $1,150
$100 $1,150
$50
$575
$0
$0
$3,208 $30,479
$368 $4,839
$1,117 $12,982
$0
$0
$0 $40,000
$0
$0
$0
$0
($26) $4,444
$10,478
###
($257)
($37,430)
$27
($37,402)
$326
($37,076)
$32,924 $32,924
$639
($36,437)
###
$0
###
###
###
Example Coffee Shop

Cash Flow Statement
Year 2
13
Cash Balance
14
15
16
$33,563
$34,198
$34,892
$35,644
Cash Receipts
Product Sales
Loans
Total Cash Receipts
$11,228
$0
$11,228
$11,341
$0
$11,341
$11,454
$0
$11,454
$11,569
$0
$11,569
Cash Disbursements
Material Costs
Labor Costs
Accounting
Advertising
Insurance
Legal Professional
Licenses
Maintenance
Meals Entertainment
Office Supplies
Property Tax
Rent
Telephone
Travel
Utilities
Website
Other
Salaries
Owner Draw
Capital Purchases
Miscellaneous
Income Tax
Change in Inventory
$2,235
$2,257
$2,279
$2,302
$2,235
$2,257
$2,279
$2,302
$100
$100
$100
$100
$175
$184
$193
$203
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$100
$100
$100
$100
$0
$0
$0
$0
$700
$700
$700
$700
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$50
$50
$50
$50
$0
$0
$0
$0
$3,208
$3,208
$3,208
$3,208
$362
$355
$349
$342
$1,123
$1,130
$1,136
$1,143
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
($6)
($6)
($6)
($6)
$10,593 $10,647 $10,701 $10,757
Net Cash Flow
$635
$694
$753
$812
$635
$1,329
$2,081
$2,893
17
18
19
20
21
22
23
$36,456
$37,328
$38,259
$39,250
$40,300
$41,411
$42,582
$11,684
$0
$11,684
$11,801
$0
$11,801
$11,919
$0
$11,919
$12,038
$0
$12,038
$12,159
$0
$12,159
$12,280
$0
$12,280
$12,403
$0
$12,403
$2,325
$2,349
$2,372
$2,396
$2,420
$2,444
$2,468
$2,325
$2,349
$2,372
$2,396
$2,420
$2,444
$2,468
$100
$100
$100
$100
$100
$100
$100
$213
$224
$235
$247
$259
$272
$286
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$100
$100
$100
$100
$100
$100
$100
$0
$0
$0
$0
$0
$0
$0
$700
$700
$700
$700
$700
$700
$700
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$50
$50
$50
$50
$50
$50
$50
$0
$0
$0
$0
$0
$0
$0
$3,208
$3,208
$3,208
$3,208
$3,208
$3,208
$3,208
$335
$329
$322
$315
$308
$301
$294
$1,150
$1,156
$1,163
$1,170
$1,177
$1,184
$1,191
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
($6)
($6)
($6)
($6)
($6)
($6)
($6)
$10,813 $10,870 $10,928 $10,988 $11,048 $11,109 $11,172
$871
$931
$991
$1,051
$1,111
$1,171
$1,231
$3,765
$4,696
$5,687
$6,738
$7,848
$9,019
$10,251
24 Year 2
$43,814 $43,814
$12,527
$0
$12,527
###
$0
###
$2,493 $28,340
$2,493 $28,340
$100 $1,200
$300 $2,790
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$100 $1,200
$0
$0
$700 $8,400
$100 $1,200
$100 $1,200
$100 $1,200
$50
$600
$0
$0
$3,208 $38,500
$288 $3,900
$1,198 $13,921
$0
$0
$0
$0
$0
$0
$0
$0
($6)
($70)
$11,236
###
$1,292 $11,542
$11,542 $11,542
Example Coffee Shop

Cash Flow Statement
Year 3
25
Cash Balance
26
27
28
$45,105
$46,457
$47,870
$49,342
Cash Receipts
Product Sales
Loans
Total Cash Receipts
$12,652
$0
$12,652
$12,779
$0
$12,779
$12,907
$0
$12,907
$13,036
$0
$13,036
Cash Disbursements
Material Costs
Labor Costs
Accounting
Advertising
Insurance
Legal Professional
Licenses
Maintenance
Meals Entertainment
Office Supplies
Property Tax
Rent
Telephone
Travel
Utilities
Website
Other
Salaries
Owner Draw
Capital Purchases
Miscellaneous
Income Tax
Change in Inventory
$2,518
$2,543
$2,569
$2,594
$2,518
$2,543
$2,569
$2,594
$100
$100
$100
$100
$315
$331
$347
$364
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$100
$100
$100
$100
$0
$0
$0
$0
$700
$700
$700
$700
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$50
$50
$50
$50
$0
$0
$0
$0
$3,208
$3,208
$3,208
$3,208
$281
$274
$266
$259
$1,205
$1,212
$1,219
$1,226
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
($6)
($6)
($6)
($6)
$11,300 $11,367 $11,434 $11,503
Net Cash Flow
$1,352
$1,412
$1,473
$1,533
$1,352
$2,764
$4,237
$5,770
29
30
31
32
33
34
35
$50,875
$52,468
$54,122
$55,835
$57,607
$59,440
$61,331
$13,166
$0
$13,166
$13,298
$0
$13,298
$13,431
$0
$13,431
$13,565
$0
$13,565
$13,701
$0
$13,701
$13,838
$0
$13,838
$13,976
$0
$13,976
$2,620
$2,646
$2,673
$2,700
$2,727
$2,754
$2,781
$2,620
$2,646
$2,673
$2,700
$2,727
$2,754
$2,781
$100
$100
$100
$100
$100
$100
$100
$383
$402
$422
$443
$465
$488
$513
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$100
$100
$100
$100
$100
$100
$100
$0
$0
$0
$0
$0
$0
$0
$700
$700
$700
$700
$700
$700
$700
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$100
$50
$50
$50
$50
$50
$50
$50
$0
$0
$0
$0
$0
$0
$0
$3,208
$3,208
$3,208
$3,208
$3,208
$3,208
$3,208
$252
$245
$238
$231
$223
$216
$208
$1,233
$1,240
$1,247
$1,255
$1,262
$1,269
$1,277
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
($7)
($7)
($7)
($7)
($7)
($7)
($7)
$11,573 $11,645 $11,718 $11,792 $11,869 $11,946 $12,026
$1,593
$1,653
$1,713
$1,773
$1,832
$1,891
$1,950
$7,363
$9,016
$10,729
$12,502
$14,334
$16,226
$18,176
36 Year 3
$63,281 $63,281
$14,116
$0
$14,116
###
$0
###
$2,809 $31,934
$2,809 $31,934
$100 $1,200
$538 $5,011
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$100 $1,200
$0
$0
$700 $8,400
$100 $1,200
$100 $1,200
$100 $1,200
$50
$600
$0
$0
$3,208 $38,500
$201 $2,894
$1,284 $14,927
$0
$0
$0
$0
$0
$0
$0
$0
($7)
($79)
$12,107
###
$2,009 $20,185
$20,185 $20,185
Example Coffee Shop

Balance Sheet
Year 1
Months
Assets:
Current Assets:
Cash
Accounts Receivable
Inventory
Total Current Assets
$30,000
$0
$5,000
$35,000
$35,611
$0
$325
$35,936
$34,813
$0
$341
$35,154
Fixed Assets:
Equipment
Furniture
Accumulated Depreciation
Total Fixed Assets Net
$30,000
$10,000
$0
$40,000
$30,000
$10,000
($583)
$39,417
$30,000
$10,000
($1,167)
$38,833
Total Assets
$75,000
$75,352
$73,987
$0
$0
$2,475
$2,475
$2,043
$2,043
$75,000
$75,000
$73,952
$73,952
$72,899
$72,899
Total Liabilities
$75,000
$76,427
$74,941
Shareholder's Equity:
Paid in Capital
Additional Equity Injections
Owner Draw
Retained Earnings
Total Equity
$50,000
$0
$0
($50,000)
$0
$50,000
$0
$0
($51,075)
($1,075)
$50,000
$0
$0
($50,954)
($954)
Total Liabilities and Equity
$75,000
$75,352
$73,987
Liabilities and Equity

Current Liabilities:
Accounts Payable
Total Current Liabilities
Long-Term Liabilities:
Bank Loan
Total Long-Term Liabilities
$34,717
$0
$358
$35,075
$34,833
$0
$376
$35,209
$35,172
$0
$395
$35,567
$34,141
$0
$415
$34,556
$33,355
$0
$436
$33,791
$32,827
$0
$457
$33,285
$30,000
$10,000
($1,750)
$38,250
$30,000
$10,000
($2,333)
$37,667
$30,000
$10,000
($2,917)
$37,083
$30,000
$10,000
($3,500)
$36,500
$30,000
$10,000
($4,083)
$35,917
$30,000
$10,000
($4,667)
$35,333
$73,325
$72,876
$72,650
$71,056
$69,707
$68,618
$2,113
$2,113
$2,188
$2,188
$2,266
$2,266
$2,348
$2,348
$2,434
$2,434
$2,525
$2,525
$71,839
$71,839
$70,773
$70,773
$69,701
$69,701
$68,622
$68,622
$67,537
$67,537
$66,446
$66,446
$73,952
$72,961
$71,967
$70,970
$69,971
$68,971
$50,000
$0
$0
($50,627)
($627)
$50,000
$0
$0
($50,085)
($85)
$50,000
$0
$0
($49,316)
$684
$50,000
$0
$0
($49,915)
$85
$50,000
$0
$0
($50,264)
($264)
$50,000
$0
$0
($50,353)
($353)
$73,325
$72,876
$72,650
$71,056
$69,707
$68,618
10
11
12
$32,570
$0
$480
$33,051
$32,598
$0
$504
$33,102
$32,924
$0
$529
$33,453
$33,563
$0
$556
$34,119
$30,000
$10,000
($5,250)
$34,750
$30,000
$10,000
($5,833)
$34,167
$30,000
$10,000
($6,417)
$33,583
$30,000
$10,000
($7,000)
$33,000
$67,801
$67,269
$67,036
$67,119
$2,620
$2,620
$2,719
$2,719
$2,824
$2,824
$2,934
$2,934
$65,349
$65,349
$64,245
$64,245
$63,134
$63,134
$62,018
$62,018
$67,968
$66,964
$65,958
$64,952
$50,000
$0
$0
($50,168)
($168)
$50,000
$0
$0
($49,696)
$304
$50,000
$0
$0
($48,922)
$1,078
$50,000
$0
$0
($47,833)
$2,167
$67,801
$67,269
$67,036
$67,119
Example Coffee Shop

Balance Sheet
Year 2
Months
13
14
15
Assets:
Current Assets:
Cash
Accounts Receivable
Inventory
$34,198
$0
$561
$34,759
$34,892
$0
$567
$35,459
$35,644
$0
$573
$36,217
Fixed Assets:
Equipment
Furniture
$30,000
$10,000
($7,583)
$32,417
$30,000
$10,000
($8,167)
$31,833
$30,000
$10,000
($8,750)
$31,250
Total Assets
$67,176
$67,292
$67,467
$2,960
$2,960
$2,987
$2,987
$3,015
$3,015
$60,894
$60,894
$59,764
$59,764
$58,628
$58,628
Total Liabilities
$63,855
$62,752
$61,643
Paid in Capital
Owner Draw
Retained Earnings
Total Equity
$50,000
$0
$0
($46,679)
$3,321
$50,000
$0
$0
($45,460)
$4,540
$50,000
$0
$0
($44,176)
$5,824
$67,176
$67,292
$67,467

Accounts Payable
Bank Loan
16
17
18
19
20
21
$36,456
$0
$578
$37,035
$37,328
$0
$584
$37,912
$38,259
$0
$590
$38,849
$39,250
$0
$596
$39,846
$40,300
$0
$602
$40,902
$41,411
$0
$608
$42,019
$30,000
$10,000
($9,333)
$30,667
$30,000
$10,000
($9,917)
$30,083
$30,000
$10,000
($10,500)
$29,500
$30,000
$10,000
($11,083)
$28,917
$30,000
$10,000
($11,667)
$28,333
$30,000
$10,000
($12,250)
$27,750
$67,701
$67,995
$68,349
$68,762
$69,236
$69,769
$3,043
$3,043
$3,071
$3,071
$3,100
$3,100
$3,129
$3,129
$3,159
$3,159
$3,189
$3,189
$57,485
$57,485
$56,335
$56,335
$55,179
$55,179
$54,015
$54,015
$52,845
$52,845
$51,669
$51,669
$60,528
$59,406
$58,279
$57,145
$56,004
$54,858
$50,000
$0
$0
($42,826)
$7,174
$50,000
$0
$0
($41,411)
$8,589
$50,000
$0
$0
($39,930)
$10,070
$50,000
$0
$0
($38,382)
$11,618
$50,000
$0
$0
($36,769)
$13,231
$50,000
$0
$0
($35,089)
$14,911
$67,701
$67,995
$68,349
$68,762
$69,236
$69,769
22
23
24
$42,582
$0
$614
$43,196
$43,814
$0
$620
$44,434
$45,105
$0
$626
$45,732
$30,000
$10,000
($12,833)
$27,167
$30,000
$10,000
($13,417)
$26,583
$30,000
$10,000
($14,000)
$26,000
$70,363
$71,017
$71,732
$3,220
$3,220
$3,252
$3,252
$3,284
$3,284
$50,485
$50,485
$49,294
$49,294
$48,097
$48,097
$53,705
$52,546
$51,381
$50,000
$0
$0
($33,342)
$16,658
$50,000
$0
$0
($31,529)
$18,471
$50,000
$0
$0
($29,649)
$20,351
$70,363
$71,017
$71,732
Example Coffee Shop

Balance Sheet
Year 3
Months
Assets:
Current Assets:
Cash
Accounts Receivable
Inventory
25
26
27
$46,457
$0
$633
$47,090
$47,870
$0
$639
$48,509
$49,342
$0
$645
$49,988
Fixed Assets:
Equipment
Furniture
$30,000
$10,000
($14,583)
$25,417
$30,000
$10,000
($15,167)
$24,833
$30,000
$10,000
($15,750)
$24,250
Total Assets
$72,507
$73,342
$74,238
$3,317
$3,317
$3,350
$3,350
$3,384
$3,384
$46,892
$46,892
$45,681
$45,681
$44,462
$44,462
Total Liabilities
$50,209
$49,031
$47,846
Paid in Capital
Owner Draw
Retained Earnings
Total Equity
$50,000
$0
$0
($27,702)
$22,298
$50,000
$0
$0
($25,689)
$24,311
$50,000
$0
$0
($23,609)
$26,391
$72,507
$73,342
$74,238

Accounts Payable
Bank Loan
28
29
30
31
32
33
$50,875
$0
$652
$51,527
$52,468
$0
$658
$53,127
$54,122
$0
$665
$54,786
$55,835
$0
$672
$56,506
$57,607
$0
$678
$58,286
$59,440
$0
$685
$60,125
$30,000
$10,000
($16,333)
$23,667
$30,000
$10,000
($16,917)
$23,083
$30,000
$10,000
($17,500)
$22,500
$30,000
$10,000
($18,083)
$21,917
$30,000
$10,000
($18,667)
$21,333
$30,000
$10,000
($19,250)
$20,750
$75,194
$76,210
$77,286
$78,423
$79,619
$80,875
$3,419
$3,419
$3,454
$3,454
$3,490
$3,490
$3,527
$3,527
$3,565
$3,565
$3,603
$3,603
$43,236
$43,236
$42,004
$42,004
$40,763
$40,763
$39,516
$39,516
$38,262
$38,262
$37,000
$37,000
$46,655
$45,458
$44,254
$43,043
$41,826
$40,603
$50,000
$0
$0
($21,462)
$28,538
$50,000
$0
$0
($19,248)
$30,752
$50,000
$0
$0
($16,967)
$33,033
$50,000
$0
$0
($14,620)
$35,380
$50,000
$0
$0
($12,207)
$37,793
$50,000
$0
$0
($9,728)
$40,272
$75,194
$76,210
$77,286
$78,423
$79,619
$80,875
34
35
36
$61,331
$0
$692
$62,023
$63,281
$0
$699
$63,980
$65,290
$0
$706
$65,996
$30,000
$10,000
($19,833)
$20,167
$30,000
$10,000
($20,417)
$19,583
$30,000
$10,000
($21,000)
$19,000
$82,190
$83,563
$84,996
$3,643
$3,643
$3,683
$3,683
$3,724
$3,724
$35,730
$35,730
$34,454
$34,454
$33,170
$33,170
$39,373
$38,137
$36,894
$50,000
$0
$0
($7,183)
$42,817
$50,000
$0
$0
($4,573)
$45,427
$50,000
$0
$0
($1,898)
$48,102
$82,190
$83,563
$84,996
Product Assumptions
Coffee Shop Sales
Year 1
Sales
Coffee Shop Sales
Total Sales
Year 2
Year 3
$103,461
$103,461
$142,404
$142,404
$160,464
$160,464
Material Cost
Labor Cost
Cost of Goods Sold
$20,692
$20,692
$41,385
$28,481
$28,481
$56,962
$32,093
$32,093
$64,186
Gross Margin
$62,077
$85,442
$96,279
Operating Expenses
Accounting
Advertising
Insurance
Legal Professional
Licenses
Maintenance
Meals Entertainment
Office Supplies
Property Tax
Rent
Telephone
Travel
Utilities
Website
Other
Salaries
$1,200
$1,592
$500
$500
$0
$0
$0
$1,200
$0
$8,400
$1,200
$1,200
$1,200
$600
$0
$30,479
$48,071
$1,200
$2,858
$0
$0
$0
$0
$0
$1,200
$0
$8,400
$1,200
$1,200
$1,200
$600
$0
$38,500
$56,358
$1,200
$5,133
$0
$0
$0
$0
$0
$1,200
$0
$8,400
$1,200
$1,200
$1,200
$600
$0
$38,500
$58,633
$2,167
$18,184
$27,751
Income Tax
$0
$0
$0
Net Income
$2,167
$18,184
$27,751
Net Profit
Sales Forecast - Year 1
Sal
$12,000
$13,000
$10,000
$12,500
$8,000
$
$12,000
$6,000
$4,000
$11,500
$11,000
$2,000
$0
$10,500
1
10
11
12
13
14
Month
Annual Sales Forecast
Annual Sal
$180,000
$160,000
$140,000
$120,000
$100,000
$
$80,000
$60,000
$40,000
$20,000
$180,000
$160,000
$140,000
$120,000
$100,000
$80,000
$60,000
$40,000
$20,000
$0
Yea
$0
Year 1
Year 2
Tota
Year 3
Sources of Funding
Other O
Personal Investment/Personal Savings; $50,000.00
Loans; $75,000.00
Start
Required Sta
Break-even Analysis
3000
Break-even Analysis
3000
2000
1000
$
0
-1000
-2000
1
10 11 12 13 14 15 16 17 18 19 20 21 22 23
Month
Projected Cash Flow - Year 1
Projec
$6,000
$5,000
$4,000
$3,000
$2,000
$1,000
$0
($1,000)
($2,000)
$1,400
$1,200
$1,000
$800
$
$600
$400
$200
$0
Month
10
11
12
13
14
Net Income
1
2
3
-1075 121.1109 326.7575
4
5
6
7
542.415 768.5822 -598.3835 -349.5987
Sales Fore
$13,000
$14,500
$12,500
$14,000
$13,500
$12,000
$
$11,500
$12,500
$11,000
$12,000
$10,500
$11,500
13
14
15
16
17
18
19
20
21
22
23
Month
Annual Sales, Gross Margin, Net Profit
$13,000
$180,000
$160,000
$140,000
$120,000
$100,000
$80,000
$60,000
$40,000
$20,000
$0
Year 1
Year 2
Total Sales
Gross Margin
Year 3
Net Profit
Uses of Funding
Other One Time Startup Costs; $50,000.00
Land; $60,000.00
Starting Inventory; $5,000.00
Required Starting Cash Balance; $30,000.00
n Analysis
Furniture; $10,000.00
Building; $60,000.00
Equipment; $30,000.00
24
25
26
27
28
n Analysis
7 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36
Month
Projected Ca
$1,400
$2,500
$1,200
$2,000
$1,000
$1,500
$800
$
$600
$400
$1,000
$500
$200
$0
$0
13
14
15
16
17
18
Month
19
20
21
22
23
24
25
26
27
28
8
9
10
11
12
13
14
15
-88.65256 185.0614 472.1799 773.3717 1089.339 1154.005 1218.948 1284.155
0
25
26
27
28
29
30
Month
31
32
33
34
35
36
25
26
27
28
29
30
Month
31
32
33
34
35
36
16
17
18
19
20
21
22
23
1349.609 1415.294 1481.193 1547.285 1613.553 1679.973 1746.524 1813.181
24
25
26
27
28
29
1879.918 1946.709 2013.524 2080.334 2147.104 2213.802
30
2280.39
31
2346.83
32
2413.081
33
34
35
36
2479.1 2544.841 2610.255 2675.293

Coffeeshop Financial Projection Template

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Example Coffee Shop

What percentage of your monthly sales

What is the dollar value of the inventory

Sources and Uses

Add: Current Loans

Coffee Shop Sales Units Sold

Coffee Shop Sales Labor Cost

Coffee Shop Sales Material Cost

Monthly Total Sales

Life Expectancy in Years

Life Expectancy in Years

Coffee Shop Manager

# of this Particular Employee

Startup Sources and Uses

Example Coffee Shop

$3,900 $4,095 $4,300 $4,515

$4,740 $4,977 $5,226 $5,488 $5,762

Example Coffee Shop

Example Coffee Shop

Example Coffee Shop

Net Cash Flow

Cumulative Cash Flow

Example Coffee Shop

Net Cash Flow

Cumulative Cash Flow

Example Coffee Shop

Net Cash Flow

Cumulative Cash Flow

Example Coffee Shop

Total Liabilities and Equity

Liabilities and Equity

Example Coffee Shop

Total Liabilities and Equity

Liabilities and Equity

Example Coffee Shop

Total Liabilities and Equity

Liabilities and Equity

Sales Forecast - Year 1

Annual Sales Forecast

Projected Cash Flow - Year 1

Sales Forecast - Year 2

Annual Sales, Gross Margin, Net Profit

Projected Cash Flow - Year 2

Sales Forecast - Year 3

Projected Cash Flow - Year 3

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