Dallas franchise owner, 4 locations profitable. Expanding to 7. SBA package built. L5 hit break-even month 4, 2 months ahead of model.
01The Situation
A profitable Dallas franchise owner wanted to grow from 4 to 7 locations. His bank needed a consolidated financial model across all 4 existing locations, which were held in 4 separate QuickBooks files, and a forward-looking projection showing how the consolidated business would service the SBA debt at each stage of expansion.
02What We Did
We consolidated 4 QuickBooks files into a single management P&L with proper cost allocation, built expansion model location by location with ramp curves calibrated to actual historical ramp rates, and built debt service coverage calculations for each SBA tranche. SBA package submitted, loan approved in 44 days.
Breakdown
| Location | City | Status | Revenue | Margin | Break-even | Status |
|---|---|---|---|---|---|---|
| L1 Flagship | Dallas | Open 4yr | $1.24M | 44% | Long achieved | |
| L2 | Plano | Open 3yr | $1.04M | 42% | Achieved | |
| L3 | Frisco | Open 2yr | $980K | 41% | Achieved | |
| L4 | Allen | Open 1yr | $840K | 39% | Month 8 | |
| L5 | McKinney | Open 3mo | $600K run rate | 38% | Month 4 | |
| L6 | Garland | Opening Q3 2025 | Projected $480K | 38% | Month 6 est. |
The owner told us the consolidation was the most valuable part. Seeing all 4 locations on one page changed how he thought about the business. He understood he was running a company, not 4 restaurants.
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