All industries / Coffee shop
Coffee shop financial projections your bank can read.
Transactions a day, average ticket, rent and the espresso machine go in. Monthly cash flow, 5-year profit and loss and DSCR come out, ready to send.
- Laid out the way SBA lenders ask: assumptions, year one by month, loan payment, DSCR.
- Starts as a realistic coffee shop, so you change what's different about yours instead of starting blank.
- Plain formulas: click any cell and see where it comes from. Excel and Google Sheets.
| Example | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | |
|---|---|---|---|---|---|---|
| 4 | Revenue | $437,368 | $589,071 | $637,081 | $689,003 | $745,157 |
| 9 | EBITDA | -$4,023 | $85,708 | $108,164 | $132,915 | $160,160 |
| 13 | Net profit | -$38,063 | $43,607 | $62,271 | $82,850 | $105,513 |
| 16 | Lowest cash | $11,036 | $26,618 | $76,286 | $143,597 | $230,350 |
| 21 | DSCR | -0.16x | 3.31x | 4.18x | 5.13x | 6.18x |
| 27 | Break-even / month | $40,240 |
What your lender checks, and where it is in the file
You type the blue cells
- Sales drivers and prices for your business
- Who you'll pay and from which month
- Rent, insurance and other monthly costs
- Startup costs and the loan terms
The file works out
- 60 months of profit and loss and cash flow
- 5-year summary with margins and growth
- Loan payment, interest and DSCR by year
- Sources and uses, and break-even
The numbers a coffee shop forecast is built on
Coffee shops are a volume business: a few dollars a ticket, a lot of tickets, and rent that does not care how slow Tuesday was. This template builds revenue from transactions per day and average ticket for drinks, food and retail separately, then shows how many transactions you need to break even.
- Transactions per day
- Many shops break even around 80 to 100 transactions a day and are comfortably profitable above 150.
- Average ticket
- Varies widely by location and menu; use your own menu prices and expected mix.
- Cost of goods %
- Drinks commonly run 25% to 35%; bought-in food costs more.
- Labor
- Baristas, shift leads and a manager; labor is often 30% to 35% of sales.
- Rent
- Often 10% to 15% of sales for cafes; the biggest fixed cost.
- Equipment
- Espresso machine and grinders are the biggest single purchase; the template depreciates them over 7 years.
Questions
How much does it cost to open a coffee shop?
Reported ranges run from about $60,000 for a small counter to $250,000 or more for a full build-out. List your own quotes in Startup costs.
Do I include cups and lids in cost of goods?
Either works: the template has them as a fixed line, or move them into the direct cost % if you track per cup.
What about a drive-thru?
Add it as its own stream with its own transactions per day.
Will my lender accept it?
It includes what lenders commonly ask for: assumptions, year one by month, five annual years, the loan payment and DSCR, and sources and uses. Formats vary, so check your lender's list; every sheet is editable.
Does it work in Google Sheets?
Yes. Open the .xlsx in Google Sheets and every formula keeps working. It also works in Excel and LibreOffice.
Is it tax or legal advice?
No. It is a planning tool. Tax is a flat rate on profit; ask your accountant for your real rate.
Coffee Shop Financial Projections Template
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