Sample model · Services & local
Sample service business cash flow plan
How an illustrative service business plan turns utilisation, rates, staffing and break-even per location into margin and cash.
This example is for service, local and multi-location founders modelling capacity, staffing and cash.
For illustration only: any business or figures shown here are made up, and your own results will differ.
Capacity & revenue
- Hours, seats or appointments you can sell (e.g. 4 staff × 160 hours a month = 640 hours)
- Utilisation against capacity (e.g. 75%, or 480 billed hours)
- Rates and average job value (e.g. 480 hours × $120 an hour = $57,600 revenue a month)
- Memberships and recurring revenue
Cost & break-even
- Staff hours matched to bookable capacity
- Break-even for each location
- Rent and location overhead
- Cash if you open another location or raise rates
Outputs
- Utilisation and capacity model
- New-location ramp and blended P&L
- Cash flow plan to share with a lender
Questions founders ask
What is a service business financial model?
A projection that turns capacity and utilisation into revenue, matches staffing to capacity to protect margin, and finds break-even per location or per consultant.
Does it handle multiple locations?
Yes. A new-location ramp and a blended P&L across sites are modelled.
What output does it produce?
A cash flow plan covering utilisation, break-even and staffing that you can take to a lender.
Build this on your own numbers
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