We enter the amount to top up our account as the item "Loan". +100'000 in the balance; this amount must be spent on equipment purchase.
We must repay the loan with interest, so the entire year will be charged a monthly payment of 10'000.
If we have a second machine, we can handle twice as many orders, meaning profit will also increase (240'000/month).
We don't stop there, because our operating material costs have also doubled (13'000/month).
Profits have increased and there are no future cash gaps! So taking a loan for the printing machine isn't such a bad decision. In the "Cash Flow" app, calculating "What if...?" scenarios is very simple!
We enter the amount to top up our account as the item "loan". +100'000 in the balance. The future gap has been resolved-this is great.
We enter the upcoming loan transactions. We have to pay with interest, so we add recurring payments of 10'000 for the entire year.
At first, everything doesn't look that bad, but after a few months, a cash gap appears again. Perhaps it's worth reconsidering our business financial model or starting to control expenses.
We enter -30,000 for each month
Let's assume a rate of 30% - 9,000 per month
We plan to launch ads, so we need to allocate a budget for it. We'll start with 10,000 per month
Let's add the monthly profit from the advertising campaign. Let's calculate:
Take the average cost per lead from previous ad campaigns - 100. That's 100 customers per month from ads with an average invoice of 800 - that's 80,000
We'll enter increasing material costs. With sales of 100 t-shirts, we'll pay the supplier 100 PLN per piece: Total - 10,000
It seems this is currently not the most favorable solution. It won't bring us profit, so it's worth reviewing the payroll or advertising budget and recalculating. Good thing we found out about the losses only in theory!
