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AU Business Analysis

Business Analysis Tool

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

Auto-fill from financials

Upload a P&L, BAS, tax return, Xero/MYOB export or broker IM — AI extracts the numbers and tells you what's missing.

PDF · Excel · CSV · DOCX · JPG/PNG · up to 5 files · 10 MB each

Upload P&L + BAS + tax return together for the most complete fill. Files are processed in memory for extraction only — not stored.

1

Business Details

2

Revenue

3

Annual Expenses

4

Purchase & Loan

5

Owner Details

Owner salary already in expenses?
Toggle off to deduct a replacement wage.
6

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?

General information only. This calculator provides general information only and does not take into account your personal circumstances, financial situation, objectives, taxation position, or business needs. Please seek independent professional advice before making financial or business decisions.