Anatomy of a fundable $150K café plan (a worked example)
Let's put it all together. Here's how the pieces fit in a plan that would actually clear a lender's desk — using a familiar example.
Take a second café location asking for $150,000. Here's what makes the file fundable, section by section.
The operator
Six years running a profitable first location, grown to real revenue. That track record does more heavy lifting than any projection.
The ask
$150,000 against a total project of ~$185,000 — with the owner contributing the difference. Skin in the game, clearly shown.
The money
Revenue built bottom-up (customers × ticket × days), ramping over year one. Costs itemized. The result: roughly 1.4× debt-service coverage — comfortably in range.
Use of funds
Equipment, leaseholds, inventory, working capital, marketing — every dollar assigned to a line, tied to quotes.
Why it clears
Nothing here is flashy. It's checkable: a proven operator, real skin in the game, documented numbers, healthy coverage, and a clear use of funds. That's what fundable looks like — and it's exactly what our sample plan lays out in full.
See where your plan stands
Paste the plan you have into the free Scanner. It scores you against the eight criteria Canadian lenders use — in about thirty seconds, no account, nothing leaves your device.
Score my plan — freeLenderReady is an educational service, not a lender, broker, or financial advisor. Lending criteria vary by institution and change over time; treat this as a starting point, not a guarantee.