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Finmodel
Loan or investor: both scenarios
Coffee chain · ₽60M/year

Loan or investor: both scenarios

5 → 8locations
chain grew in 14 months
14-month payback with loan
30% lower profit with investor over 3 years
6th location opened in 4 months
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Case study

From request to scale

Client request

Open a new location — unclear if cash is enough. Bank offered a loan, investor offered equity. Which option is better?

What we did

  • 3-scenario financial model
  • Revenue breakdown, marketing budget, opening CAPEX
  • Loan vs. 25% investor equity compared

Outcome

  • Chose loan — 6th location in 4 months
  • 8 locations total in 14 months
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