A profitable neighborhood bakery for nine years
Each dollar mapped to a specific purpose
Conservative estimate based on foot traffic analysis and existing location performance scaled to new neighborhood demographics
Projected cash flow comfortably exceeds annual debt service with 1.6x coverage ratio
| Asset | Appraised Value | Lien Position |
|---|---|---|
| Kitchen equipment (existing) | $142,000 | First |
| Kitchen equipment (new) | $80,000 | First |
| Personal guarantee — Greta Lindholm | Unlimited | — |
| Accounts receivable | $28,000 | Second |
| Total collateral coverage | $250,000 | 78% LTV |
Owner & Head Baker
18 years commercial baking
Culinary Institute graduate
Operations Manager
12 years retail ops
ServSafe certified
Pastry Lead
9 years specialty pastry
James Beard semifinalist
New location: 2,200 sq ft, high-visibility corner, foot traffic 4,800/day
Five-year term
DSCR 1.6×
Monthly payment $6,180 • Total interest $50,800 • Fully amortizing
Greta Lindholm, Owner
greta@mapleandoakbakery.com • (503) 555-0147