Utah yoga studio lender support model

Draper Yoga · 2025 · Small-business credit support

Could a local yoga studio support a lender conversation after a stressed operating period? I build revenue, payroll, operating expense, balance sheet, cash-flow projections, and ratio checks into a lender-facing support package.

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	S
1	Draper Yoga
2	Cash Flow Projections
3
4	Detailed Cash Flow														12 Months Ending
5		Pre-opening	Jul 29, 2022	Aug 26, 2022	Sep 23, 2022	Oct 21, 2022	Nov 18, 2022	Dec 16, 2022	Jan 13, 2023	Feb 10, 2023	Mar 10, 2023	Apr 7, 2023	May 5, 2023	Jun 2, 2023	Jun 2, 2023	Jun 1, 2024	Jun 1, 2025
6	Cash from operations
7	Revenues
8	Drop-Ins		1,872	2,808	3,744	4,680	5,616	6,552	9,360	8,424	7,488	6,552	6,552	6,552	70,200	86,767	96,876
9	Unlimited Class Memberships		2,040	4,590	7,905	11,985	16,830	22,440	30,855	37,485	43,350	48,450	53,805	59,160	338,895	418,874	467,675
10	Nutritional Numbers		180	270	360	450	540	630	900	810	720	630	630	630	6,750	8,343	9,315
11	Nutritional Coaching		360	810	1,395	2,115	2,970	3,960	5,445	6,615	7,650	8,550	9,495	10,440	59,805	73,919	82,531
12
13	Total revenue		4,452	8,478	13,404	19,230	25,956	33,582	46,560	53,334	59,208	64,182	70,482	76,782	475,650	587,903	656,397
14	Cost of Revenues
15	Direct Labor		546	819	1,092	1,365	1,638	1,911	2,730	2,457	2,184	1,911	1,911	1,911	20,475	31,120	34,746
16	Direct Materials		231	443	703	1,011	1,367	1,772	2,455	2,821	3,139	3,409	3,746	4,083	25,178	31,120	34,746
17	Other Direct Costs		231	443	703	1,011	1,367	1,772	2,455	2,821	3,139	3,409	3,746	4,083	25,178	31,120	34,746
18	Total cost of revenues		(1,008)	(1,705)	(2,498)	(3,387)	(4,372)	(5,454)	(7,640)	(8,099)	(8,462)	(8,728)	(9,402)	(10,076)	(70,831)	(93,360)	(104,237)
19	Gross profit		3,444	6,773	10,907	15,843	21,584	28,128	38,920	45,235	50,746	55,454	61,080	66,706	404,819	494,544	552,160
20	Operating expenses
21	Payroll: Salaries & wages		11,773	11,773	11,773	11,773	11,773	11,773	11,773	11,773	11,773	11,773	11,773	11,773	141,280	168,032	176,433	Payroll: Salaries & wages
22	Payroll: taxes & benefits		738	738	738	738	738	738	738	738	738	738	738	738	8,850	23,504	24,679	Payroll: taxes & benefits
23	Advertising and Marketing	5,000	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	1,500	18,000	18,540	19,096	Advertising and Marketing
24	Communications (IT, phone, postal)	2,500	150	150	150	150	150	150	150	150	150	150	150	150	1,800	1,854	1,910	Communications (IT, phone, postal)
25	Depr/amort		1,167	1,167	1,167	1,167	1,167	1,167	1,167	1,167	1,167	1,167	1,167	1,167	14,000	14,857	14,857	Depr/amort
26	Supplies	1,000	100	100	100	100	100	100	100	100	100	100	100	100	1,200	1,236	1,273	Facility Lease
27	Facility Lease		6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	72,000	74,160	76,385	Insurance (non-benefit)
28	Insurance (non-benefit)	200	300	300	300	300	300	300	300	300	300	300	300	300	3,600	3,708	3,819	Licenses/fees/taxes
29	Licenses/fees/taxes	200	150	150	150	150	150	150	150	150	150	300	150	150	1,950	2,009	2,069	Repairs/maintenance
30	Repairs/maintenance	500	750	750	750	750	750	750	750	750	750	750	750	750	9,000	9,270	9,548	Professional Services (legal, CPA)
31	Professional Services (legal, CPA)	1,500	50	50	50	50	50	50	50	50	50	1,050	50	50	1,600	1,648	1,697	Office expenses
32	Office expenses	500	50	50	50	50	50	50	50	50	50	50	50	50	600	618	637	Contractors
33	Contractors																	Travel & Meals
34	Travel & Meals		50	50	50	50	50	50	50	50	50	50	50	50	600	618	637	Utilities
35	Utilities	600	300	300	300	300	300	300	300	300	300	300	300	300	3,600	3,708	3,819	Vehicle (gas, repairs, maintenance)
36	Vehicle (gas, repairs, maintenance)	300	200	200	200	200	200	200	200	200	200	200	200	200	2,400	2,472	2,546	Other
37	Training		100	100	100	100	100	100	100	100	100	100	100	100	1,200	1,236	1,273
38	Other	5,000	400	400	400	400	400	400	400	400	400	400	400	400	4,800	4,944	5,092
39	Total operating expenses	(17,300)	(23,778)	(23,778)	(23,778)	(23,778)	(23,778)	(23,778)	(23,778)	(23,778)	(23,778)	(24,928)	(23,778)	(23,778)	(286,480)	(332,413)	(345,770)
40	Operating profit	(17,300)	(20,334)	(17,004)	(12,871)	(7,934)	(2,194)	4,351	15,142	21,457	26,969	30,526	37,302	42,928	118,339	162,131	206,390
41	Other income (expense)		(1,250)	(1,247)	(1,259)	(1,347)	(1,406)	(1,428)	(1,409)	(1,323)	(1,228)	(1,225)	(1,222)	(1,219)	(15,564)	(14,407)	(13,970)
42	Earnings before taxes	(17,300)	(21,584)	(18,251)	(14,130)	(9,281)	(3,600)	2,922	13,733	20,135	25,741	29,301	36,080	41,709	102,775	147,724	192,420
43	Provision for income tax (@25%)														(25,694)	(36,931)	(48,105)
44	Net profit	(17,300)	(21,584)	(18,251)	(14,130)	(9,281)	(3,600)	2,922	13,733	20,135	25,741	29,301	36,080	41,709	77,081	110,793	144,315
45	add Depreciation		1,167	1,167	1,167	1,167	1,167	1,167	1,167	1,167	1,167	1,167	1,167	1,167	14,000	14,857	14,857
46	Change in accounts receivable		(185)	(354)	(562)	(809)	(1,094)	(1,417)	(1,964)	(2,257)	(2,511)	(2,727)	(2,997)	(3,266)	(20,142)	(4,754)	(2,900)
47	Change in inventory		(28)	(53)	(84)	(121)	(164)	(213)	(295)	(339)	(377)	(409)	(449)	(490)	(3,021)	(713)	(435)
48	Change in other current assets		(106)	(204)	(323)	(465)	(629)	(815)	(1,129)	(1,298)	(1,444)	(1,568)	(1,723)	(1,878)	(11,582)	(2,733)	(1,668)
49	Change in accounts payable		106	204	323	465	629	815	1,129	1,298	1,444	1,568	1,723	1,878	11,582	2,733	1,668
50	Change in line of credit			2,100	13,714	9,205	3,767	(2,441)	(12,541)	(13,804)					(0)	(0)	(0)
51	Change in credit cards
52	Change in other current liabilities
53	Net cash from operations	(17,300)	(20,629)	(15,392)	105	161	76	18	100	4,902	24,020	27,332	33,801	39,119	67,917	120,184	155,837
54	Cash from investing
55	Change in furniture/fixtures	(6,000)
56	Change in equipment	(6,000)
57	Change in vehicles
58	Change in leasehold improvements	(120,000)
59	Change in other fixed assets
60	Change in other assets	(6,000)
61	Net cash from investing	(138,000)
62	Cash from financing
63	Change in long-term loans	250,000	(541)	(544)	(547)	(549)	(552)	(555)	(558)	(560)	(563)	(566)	(569)	(572)	(6,674)	(7,086)	(7,523)
64	Change in other long-term debt
65	Change in equity funding
66	Change in owner contributions/distributions	30,000
67	Net cash from financing	280,000	(541)	(544)	(547)	(549)	(552)	(555)	(558)	(560)	(563)	(566)	(569)	(572)	(6,674)	(7,086)	(7,523)
68
69	Net Cash Flow	124,700	(21,170)	(15,936)	(442)	(389)	(476)	(537)	(458)	4,342	23,457	26,766	33,232	38,548	86,936	113,097	148,314
70	Beginning Cash		124,700	103,530	87,594	87,152	86,763	86,287	85,751	85,293	89,635	113,091	139,857	173,089	124,700	211,636	324,734
71	Ending Cash	124,700	103,530	87,594	87,152	86,763	86,287	85,751	85,293	89,635	113,091	139,857	173,089	211,636	211,636	324,734	473,048
72
73
74
75	Balance Sheet														Last Day of
76		Pre-opening	Jul 29, 2022	Aug 26, 2022	Sep 23, 2022	Oct 21, 2022	Nov 18, 2022	Dec 16, 2022	Jan 13, 2023	Feb 10, 2023	Mar 10, 2023	Apr 7, 2023	May 5, 2023	Jun 2, 2023	Jun 2, 2023	Jun 1, 2024	Jun 1, 2025
77	Assets
78	Current assets
79	Cash	124,700	103,530	87,594	87,152	86,763	86,287	85,751	85,293	89,635	113,091	139,857	173,089	211,636	211,636	324,734	473,048
80	Accounts receivable		185	539	1,101	1,910	3,004	4,421	6,385	8,642	11,153	13,880	16,876	20,142	20,142	24,896	27,796
81	Inventory		28	81	165	286	451	663	958	1,296	1,673	2,082	2,531	3,021	3,021	3,734	4,169
82	Other currents assets		106	310	633	1,098	1,727	2,542	3,671	4,969	6,413	7,981	9,704	11,582	11,582	14,315	15,983
83	Total current assets	124,700	103,848	88,524	89,051	90,058	91,469	93,376	96,307	104,541	132,330	163,800	202,200	246,382	246,382	367,679	520,996
84	Fixed assets
85	Furniture/Fixtures	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000
86	Equipment	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000
87	Vehicles
88	Facility buildout	120,000	120,000	120,000	120,000	120,000	120,000	120,000	120,000	120,000	120,000	120,000	120,000	120,000	120,000	120,000	120,000
89	Facilities puchased
90	Accumulated depr	0-	(1,167)	(2,333)	(3,500)	(4,667)	(5,833)	(7,000)	(8,167)	(9,333)	(10,500)	(11,667)	(12,833)	(14,000)	(14,000)	(28,857)	(43,714)
91	Net fixed assets	132,000	130,833	129,667	128,500	127,333	126,167	125,000	123,833	122,667	121,500	120,333	119,167	118,000	118,000	103,143	88,286
92	Other assets	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000
93	Total assets	262,700	240,681	224,191	223,551	223,391	223,636	224,376	226,140	233,208	259,830	290,133	327,367	370,382	370,382	476,822	615,282
94	Liabilities
95	Current liabilities
96	Accounts payable balance		106	310	633	1,098	1,727	2,542	3,671	4,969	6,413	7,981	9,704	11,582	11,582	14,315	15,983
97	Line of credit balance			2,100	15,814	25,019	28,786	26,345	13,804	(0)	(0)	(0)	(0)	(0)	(0)	(0)	(0)
98	Credit cards
99	Other current liabilities balance
100	Total current liabilities		106	2,410	16,447	26,118	30,513	28,887	17,475	4,969	6,413	7,981	9,704	11,582	11,582	14,315	15,983
101	Long-term loan	250,000	249,459	248,915	248,369	247,819	247,267	246,713	246,155	245,595	245,032	244,466	243,897	243,326	243,326	236,239	228,716
102	Other long-term debt
103	Total Liabilities	250,000	249,565	251,325	264,816	273,937	277,780	275,600	263,630	250,564	251,445	252,447	253,601	254,908	254,908	250,554	244,699
104	Owners equity
105	Equity Investment
106	Owner contributions/distributions	30,000	30,000	30,000	30,000	30,000	30,000	30,000	30,000	30,000	30,000	30,000	30,000	30,000	30,000	30,000	30,000
107	Retained earnings	(17,300)	(38,884)	(57,135)	(71,264)	(80,546)	(84,146)	(81,223)	(67,490)	(47,355)	(21,615)	7,686	43,766	85,475	85,475	196,268	340,583
108	Total owners equity	12,700	(8,884)	(27,135)	(41,264)	(50,546)	(54,146)	(51,223)	(37,490)	(17,355)	8,385	37,686	73,766	115,475	115,475	226,268	370,583
109
110	Total liabilities & equity	262,700	240,681	224,190	223,552	223,391	223,634	224,377	226,140	233,209	259,830	290,133	327,367	370,383	370,383	476,822	615,282
111
112				(1)	1		(2)	1		1				1	1
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