Restaurant & Cafe 5 Year Financial Model: Dashboard, 3 Statements, Food Cost, Loan

Description
A fully linked five year financial model built for a restaurant or a cafe. It answers the questions a lender, a landlord or a partner will ask before you sign: how much capital the opening needs, when the place breaks even, where the cash low point is, and what happens if covers come in 20% under plan.

Revenue is built from the drivers an operator actually manages: dine in covers, takeaway and delivery orders, catering and events, and retail, each with a starting volume, monthly growth, a seat capacity ceiling so growth saturates, an average check and its own food cost percentage. Prime cost is watched every month: food cost and labour as a share of sales, next to the industry benchmark, for 60 months.


Fifteen linked worksheets: Start Here, Dashboard, Inputs, Revenue, COGS, Payroll, Opex, CapEx, P&L, Cash Flow, Balance Sheet, Break even, Scenarios, Funding and Checks. Monthly for 60 months with annual summaries. One input tab, blue on yellow cells, everything else calculates. A full staff roster with start and end months: general manager, head chef, sous chef, line cooks, servers, barista, dishwasher, host and a second shift. Restaurant expense lines: rent, utilities, POS, delivery platform fees and ads, insurance, smallwares, repairs, linen and pest control, waste, licences. Opening capex for kitchen equipment, fit out, furniture, POS and signage, with depreciation.


A loan schedule with interest and principal, owner equity, and the funding gap if any. Base, Best and Worst scenarios on a single switch. A Checks tab proves the balance sheet balances every one of the 60 months.


Who it is for: anyone opening a restaurant or cafe and raising money for it, and anyone running one who needs to know what a second shift, a price change or a delivery push does to cash.


Excel 2016 or later and Google Sheets, no macros. Includes a one page quick start guide with a Google Sheets copy link.