Business Analysis Tool

Edit on the left — analysis updates instantly on the right.

Business Details

Business Name

Business Type

Location

Type

Trading Days / Week

Staff Count

Revenue

Annual Revenue ($)

Catering Revenue ($)

Other Revenue ($)

Annual Expenses

Rent

Wages

Food / Materials (COGS)

Utilities

Marketing

Insurance

Fuel

Packaging

Software

Misc

Purchase & Loan

Asking Price ($)

Deposit ($)

Loan Amount ($)

Interest Rate (% p.a.)

Loan Term (years)

Owner Details

Owner Hours / Week

Replacement Salary ($)

Owner salary already in expenses?

Toggle off to deduct a replacement wage.

Scenario Testing

Sales Drop0%

Rent Increase0%

Wage Increase0%

Interest Rate Rise0pp

Live Analysis

Sunrise Café

Cafe · benchmarks: Australian industry data

HealthyLow Risk

Net Profit

$56,900

Margin 8.4%

EBITDA

$131,900

Before owner & loans

ROI

17.8%

Payback 5.6 yrs

DSCR

2.89

Debt cover ratio

Monthly Repayment

$3,801

$45,609 p.a.

Cashflow After Loan

$11,291

Break-even Revenue

$659,249

$12,678/week

Owner Earnings

$131,900

Profit + replacement salary

Investment Risk Score

100/100

Low Risk

Higher score = safer investment

Revenue Breakdown

COGS28.7%
Wages33.8%
Rent11.5%
Other17.7%
Net Profit8.4%

Industry Benchmarks · Cafe

vs Australian averages

Wage RatioHealthy

33.8%

Benchmark: 30%–38%

Rent RatioHealthy

11.5%

Benchmark: 8%–12%

COGS RatioHealthy

28.7%

Benchmark: 25%–35%

Net MarginHealthy

8.4%

Benchmark: 8%–15%

Loan Repayment Projection

Outstanding balance over loan term

Insights

Strengths

• Net margin 8.4% is within healthy range for Cafe.
• DSCR of 2.89 indicates comfortable loan serviceability.

Weaknesses

No major weaknesses detected.

Red Flags

No red flags.

Buyer Questions

• Can you provide 3 years of tax returns and BAS statements?
• What is the remaining lease term and rent review schedule?
• Are there any key staff dependencies or pending resignations?
• How transferable are supplier and franchise agreements?
• Why is the current owner selling?