Finance

Finance tools track money moving through the bank account and capital decisions. Capital budgeting discounts project cash flows to NPV and profitability index with simple or discounted payback. Franchise investment totals brand opening cash, scores ROI after royalty and marketing fees, and sizes loan coverage. Restaurant valuation estimates sale value from revenue, EBITDA, or SDE multiples, or from net assets. Startup cost totals pre-opening cash needs and funding coverage. Operating cash flow measures cash produced by operations in a closed period. Revenue forecast projects top-line sales from guests, history, or seasonality. EBITDA measures operating earnings before interest, taxes, and non-cash charges. Cash flow forecast projects inflows and outflows. Budget allocates revenue to expense categories. ROI scores investment and marketing returns. Payback period estimates how long capital takes to recover. NPV discounts project cash flows for an accept or reject call. IRR solves the return rate that sets NPV to zero. DSCR compares operating income to debt service. Working capital measures near-term assets against near-term liabilities. Loan tools estimate amortizing payments and interest load. Pair results with Sales Forecast for revenue and Labor Budget for wage targets.

Profitable months can still run out of cash when payroll and vendors are paid before deposits clear. A runway number gives owners time to act.