by riya goel · financial models i've built — download and poke at the assumptions.
every blue cell is an editable input. the black cells are formulas. break them, re-run them, argue with them.
the math behind the brew.
operating & startup financial model for a 1,200 sq ft bed-stuy cafe — build-out capex, daily transaction volume, ticket size, rent and wage sensitivity, and the month EBITDA finally turns positive. built for anyone who wants to see the unit economics before they sign the lease.
subscription-grade frequency, zero subscription on top of it.
a loyalty + prepaid wallet layer for NYC's ~13,500 bodegas, modeled as vertical fintech infrastructure — SaaS fee, take rate on wallet GMV, float yield, and breakage, ramped across a five-year partner build with burn multiple, CAC payback, and an ARR-multiple exit. explicitly pro-bodega, with the 2017 cautionary tale baked into the risk section.
proven, derivative, cash-generating — boring beats R&D.
an LBO roll-up of NYC analog photo booths (inspired by Old Friend on Allen St), underwriting a four-to-twelve booth portfolio with a full debt schedule, 100% cash sweep, and a five-year exit. unit economics haircut to 250 strips/day vs. the 400–700 flagship, with entry/exit multiple sensitivity on MoM and IRR. the thesis: EBITDA quality beats unproven software.