Template · Retail / E-commerce
Retail or e-commerce financial model template
Bring your sales, costs and cash figures. Adapt this starting plan for a retail business to see what your next move could cost.
Starting assumptions
Check these against your business.
These are the numbers the template starts with, such as costs and how long customers take to pay. Review them with your accountant and change them as needed. They are US starting points, not your own results or financial advice.
| Setting | Value |
|---|---|
| Cost of revenue | 55% |
| Days to collect (DSO) | 3 days |
| Days to pay suppliers (DPO) | 45 days |
| Inventory held | 45 days |
| Revenue collected in advance (deferred) | none |
| Depreciation life | 5 years |
| Tax rate | 21% |
| Trading days per month | 30 |
| Revenue driver | Store / online orders |
| Valuation default | 6× EBITDA |
The statements
See where each assumption leads.
Follow the inputs through profit, cash and the balance sheet, then review the template's valuation basis. The method and assumptions determine the estimate; it is not a promised sale price.
Income statement
- Revenue = orders per day × average order value × trading days
- Product cost at 55% of sales is cost of sales, so gross margin reads ~45% before fulfilment and marketing
Balance sheet
- ~45 days of product cost is held as inventory
- Suppliers on 45-day terms fund most of it
- Card and marketplace payouts settle in ~3 days
Cash flow
- Building stock ahead of sales is an operating outflow: inventory growth consumes cash even in profitable months
Valuation
- EBITDA multiple (default 6×), typical for retail and consumer brands
KPIs and benchmarks
What the dashboard tracks for this business
The KPIs on the dashboard and the thresholds the ratios grid shades against come from this template.
Dashboard KPIs
- 01Average order value
- 02Orders / day
- 03Gross margin
- 04Inventory turns
- 05EBITDA margin
| Benchmark | Target |
|---|---|
| Gross margin | ≥ 40% |
| EBITDA margin | ≥ 8% |
| Revenue growth (annual) | ≥ 15% |
| Runway | ≥ 9 months |
| Revenue per employee | ≥ $200k |
| Inventory turns | ≥ 4× |
Targets are US starting points for this kind of business, not advice.
Use it
Turn the starting point into your plan.
- Bring your current figures. Choose “Retail / E-commerce” during setup or on My Company. Enter reported monthly totals in Your Data, or import a supported CSV or XLSX export from your books.
- Set what you expect next. Review the defaults above, then plan sales, people, running costs, purchases and funding. The assistant can propose edits for you to check.
- Explore a decision. Compare a more cautious sales assumption or a planned investment. Review cash and profit, then the valuation and any ownership implications when raising is relevant.
Sample figures show how the model works. Replace them with your own figures and assumptions before relying on the results.
Other templates: SaaS, Café, bar or restaurant, Agency or professional services, Marketplace.
Start with your business.Explore what comes next.
Request an invitation, bring your current figures and build a plan you can review with your accountant.