Industries
What a lender expects to see in your sector.
Fifteen sectors, each with the cost structure a reader expects, the questions they open with, and a complete worked model run through the same engine the product uses.
Every figure on these pages was computed at build time by the engine — there is no separate set of example numbers anywhere on this site.
Food and drink
Thin net margins, heavy fit-out, and a reader who knows the prime-cost rule.
- Food truckFood and packaging runs about 30% of revenue here.Net margin band 4%–18%NAICS 722330
- Coffee shopCoffee, milk and food runs about 24% of revenue here.Net margin band 2%–15%NAICS 722515
- RestaurantFood and beverage runs about 31% of revenue here.Net margin band 0%–10%NAICS 722511
- BakeryIngredients and packaging runs about 28% of revenue here.Net margin band 0%–10%NAICS 311811
- BarBeverage cost runs about 24% of revenue here.Net margin band 3%–15%NAICS 722410
Trades and services
Labour is the cost of sale, and the receivable cycle is what actually strains the plan.
- Commercial cleaningDirect labour runs about 45% of revenue here.Net margin band 4%–18%NAICS 561720
- TruckingDriver pay runs about 32% of revenue here.Net margin band 2%–12%NAICS 484121
- Hair salonStylist compensation runs about 42% of revenue here.Net margin band 3%–18%NAICS 812112
- ConstructionDirect labour runs about 30% of revenue here.Net margin band 2%–12%NAICS 238000
- LandscapingCrew labour runs about 38% of revenue here.Net margin band 4%–16%NAICS 561730
Property, care and capacity
Capacity is capped — by rooms, by ratios, by machines — so the build has to respect it.
Online and professional
No premises, but unit economics and utilisation get read forensically instead.
How these pages are built
Each page carries a real set of assumptions — drivers, headcount, opex, capex, debt — which is run through the financial engine when the site is built. The revenue build, the statements, the coverage ratio and the benchmark comparison all come from that run.
The models are held to the same standard as a customer’s plan: the balance sheet has to tie in all sixty periods, and the plan review has to return zero blocking findings. A test enforces both, so a page cannot publish an example the product itself would reject.
Benchmark bands are separate from the models and are shown with their source and vintage. They warn; they never overwrite an assumption.
Your sector, your numbers.
The intake starts from your industry’s defaults, then asks what makes your business different. Free to generate and read.