The cash valley

Cumulative cash, month by month, from completion to the end of the first trading year. The Corner Café, expected scenario, illustrative.

Completion day. The premium, the deposit, the builders, the stock: £193,451 leaves before anyone has bought a coffee.

£0

lowest point so far

Now reshape the valley

Change what you can negotiate. The line redraws, and the lowest point and the gap move.

Your funding (savings + loans): £85,000 Premium you pay: £95,000 Your drawings a month: £2,000 Rent-free months at the start: 0 Landlord accepts rent monthly instead of quarterly in advance Sales scenario: expected

£202,198

peak funding requirement (January)

−£117,198

your funding minus the peak requirement

You run out of cash before opening day.

Rent on the English quarter days (25 March, 24 June, 29 September, 25 December), quarterly in advance, or monthly if switched. VAT paid one month and seven days after each quarter at the Chapter 4 mix. Start Up Loan £25,000 at 7.5% over five years included in the monthly outgoings. Chapter 3 midpoints for the pre-opening month; Chapter 5 costs; Chapter 4 ramp-up and seasons. Illustrative; nothing here is advice about a particular business.