“Financial planning and discipline is key to one’s financial freedom” ⁓ Kishorkumar Bapalli

The total start-up costs amount to $5,770, funded entirely by owner contributions.
The business generates a total revenue of $2,100 in the first year, with no cost of goods sold (COGS) annually, resulting in a gross profit of $2,100. Revenue will further increase to $4,200 in year 3 as projected, with a gross profit of equal amount.
The profit margins improve each year as revenue increases and operating expenses remain relatively stable.
The business starts with $5,000 in cash and ends with a positive cash balance, indicating healthy cash flow management in the following operating years.

The business is projected to be profitable from the first year, with increasing revenue and profit margins in the following years.

In year one, we assume there are four borrowers with an interest rate of 10%. In the first quarter, the first client borrows $500 and makes periodic/staggered payments. The second client borrows $2,500, making interest payments each month, with the total loan amount and accrued interest paid in a lump sum during the final month. In the last quarter of the year, we will see a combination of both types of borrowers.