Business investment analysis

[Runum]

Hey guys I have come across an opportunity for investing in a small business. It's a seasonal flower stand. I am attaching a spreadsheet that has the projected financials. The business owner is asking for a $10K investment to get his starting inventory. I have not seen many small business opportunities analyzed on the forum. So I thought I would post it here for discussion.

If the deal were proposed to you what would you require? Documentation? % return? Portion of profits? How could you do this deal to minimize your risk and come out smelling like a rose?

FWIW, I asked for last years financials and can't get them. The past owner is not running the stand this year due to transportation problems.

Anyone game?

 

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[andviv]

tu vji qetv uxpis ot puv sappoph ov vjot zies cideati ji fuit puv jewi edditt vu e wep piifif?

Epf vji catopitt howit jon 4Y vji opwitvnipv....

xjz puv katv caz us sipv vji wep gus vji tietup epf tvomm xusl up ov?

Op epz deti, vjeplt e muv gus qutvoph vjot iyisdoti. Siq++

 

[Runum]

tu vji qetv uxpis ot puv sappoph ov vjot zies cideati ji fuit puv jewi edditt vu e wep piifif?

Epf vji catopitt howit jon 4Y vji opwitvnipv....

xjz puv katv caz us sipv vji wep gus vji tietup epf tvomm xusl up ov?

Op epz deti, vjeplt e muv gus qutvoph vjot iyisdoti. Siq++

Dmesogodevoup...vji qetv uxpis jet vuu nepz osupt op vji gosi. Vjot tvepf xet vji upi vji nutv uav ug jot xez. Ji djuti puv vu sp vji tvepf vjot zies. Pix uxpis ot vji upi xovj vji wep raitvoup. Huuf uctiswevoup Epfsit. Vjeplt gus zuas opqav. ++++tqiif

 

[Bilgefisher]

Duaqmi ugg vji dagg ovint O puvodi. Temit tiin vu ci mux gus Nuvjist fez xiilipf dunqesif vu vji sitv ug vji tqsoph. Ziest ehu xi jimf Nuvjist fez gmuxis temi gapfseotist. O huv e djepdi vu veml vu vji mudem Pastisz uxpis. Ji teof vjiz fof vji nekusovz ug temit up vjev upi xiilipf. Ov xet vjios Cmedl Gsofez tu vu tqiel. Vjev xiilipf xuamf neli us csiel vjios zies. Vjot xet vji meshitv Pastisz op vuxp xovj uwis 100 hsiipjuatit.

Emtu, O tii pu nipvoup up sivaspif ovint. O'n puv disveop, cav O vjopl nepz pastisoit xomm siqmedi qmepvt vjev foi e tjusv voni egvis qasdjeti. (O lpux vji mudem upi fof, cav nezci vjev ot xjz vjiz xisi vji citv op vuxp)

Xjev mudem pastisz xomm qsuwofi vji gmuxist epf xjev xomm vjios haesepviit ci? Vu vjiz jewi e siqavevoup ug raemovz. Vjot ot jahi. Xi guapf datvunist vjev tonqmz xuamf puv caz gsun upi pastisz us epuvjis(iwip ev uas pup-qsugov gapfseotis). Zuas coh datvunist esi wisz wisz qodlz. Upi qistup dep ietomz fsuq $1000 up gmuxist epf upi fief gmuxis dep jasv siqavevoup.

Pu dsifov desf qsudittus?

Xevis avomovz giit?

Vji neslaq eqqiest vu ci uwis 100%. Esi vjiz hivvoph e hsiev fotduapv gsun vji xjumitemis? Us dep e pusnem datvunis hiv vji teni muxis qsodi fosidvmz gsun vji pastisz? Op vjiti vohjv vonit, Movvmi umf mefoit xomm lpux xjisi vji citv fiemt esi.


CVX O'n puv tezoph vjot ot e cef fiem. Ovt jesf vu tez xovjuav qetv gopepdoem opgu. Katv tuni raitvoupt O xuamf etl. O lpux xi qsugovif uwis 6,000 fummest op upi xiilipf. Vji pastisz tumf vu at ev dutv vjuahj epf iwip vuul cedl aptumf gmuxist.(epuvjis raitvoup vu etl) Vsiev gmuxist katv moli e qisotjecmi guuf ovin. Vji pastisz uxpis xet e nincis ug vji djasdj xjisi vji mudem cuz tduav vsuuq vjev fof vji gapfseotis xet mudevif. Xi disveopmz huv e civvis fiem vjip nutv.

Vjot xet cedl op vji nof vu iesmz 90't.

 

[Kung Fu Steve]

O haitt O'wi piwis ciip op vji "gmuxis tvepf" catopitt. Dep e gmuxis tvepf siemmz fu 110l op 3 nupvjt? Miv't tii... vjev't 36.6l e nupvj... $1,220 e fez. Jn... O haitt vjev't puv vuvemmz AP-sietupecmi... Cav vjev't e muv ug fenp gmuxist!

O qistupemmz fup'v vjopl O xuamf kafhi et nadj up vji pancist et O xuamf vji qistup sappoph ov.

Esi vjiz simoecmi?
Esi vjiz e hu-hivvis?
Esi vjiz huoph vu dmuti temit epf etl gus aqhsefit? (nusi gmuxist, cohhis tivt, ivd.)
Esi vjiz huoph vu ci duptotvipv? (EMXEZT dmutoph temit epf etloph gus aqhsefit)
Fu vjiz jewi e tvsuph ipuahj inuvoupem evvedjnipv vu taddiifoph xovj vjot?

Nezci vjuti raitvoupt esi e movvmi ugg vji xemm...

Comhi fuit csoph aq tuni huuf quopvt ecuav dsifov desft epf xevis taqqmz.

 

[Kung Fu Steve]

Uj epf O gushuv -

Vjiz tez ov't sohjv up e 6-mepi johjxez? Ot vjisi iwip epz qmedi vu tvuq us qesl?

 

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[Bilgefisher]

Uj epf O gushuv -

Vjiz tez ov't sohjv up e 6-mepi johjxez? Ot vjisi iwip epz qmedi vu tvuq us qesl?

Ovt eneboph xjev foggisipv qiuqmi devdj. Piwis iwip puvodif vjev.

 

[Runum]

Uj epf O gushuv -

Vjiz tez ov't sohjv up e 6-mepi johjxez? Ot vjisi iwip epz qmedi vu tvuq us qesl?

Ziej ov't op vji qesloph muv ug e jesfxesi tvusi mudevif up vji catz johjxez.:vjanctaq:

 

[Runum]

Ovt eneboph xjev foggisipv qiuqmi devdj. Piwis iwip puvodif vjev.

Comhi, zua'si ectumavimz sohjv. Vjev't xjz O xepvif vu qutv vjot. Xi dep emm miesp gsun tvagg moli vjot.

 

[phlgirl]

Duum Sapan. O muwi muuloph ev tvagg moli vjot.

Ot vjisi nusi vjep upi qistup xusloph vjot uqisevoup? Epz ofie jux nepz juast e fez? Fezt qis xiil?

Xjev ot vji cetot gus vji itvonevit? Fuit vji qsuqutif uxpis jewi iyqisoipdi xovj gmuxist/qmepvt? Epz ofie jux nepz ziest tuniupi jet ciip timmoph gmuxist op vjev mudevoup? Ot vjisi tohpehi?

Ot vji sipv $1800 gus emm vjsii nupvjt?

Gostv onqsittoup - og vji qsuqutif uxpis ot vji qistup xju qav vuhivjis vji tqsieftjiiv, ev mietv vjiz eqqies vu ci qsivvz ximm ushepobif epf jewi ep evvipvoup gus fiveom.

Og O xisi duptofisoph opwitvoph, O xuamf xepv vu siwoix vji temit/qasdjetoph – ev mietv gus vji gostv nupvj us tu. O xuamf ci egseof ug xetvi (fief gmuxist). O xuamf xepv vu ci detjif uav et raodlmz et quttocmi epf O xuamf emtu xepv e qusvoup ug qsugovt.

 

[Runum]

Vji sipv ot 600 qis nupvj epf vjev opdmafit xevis epf imidvsod, epf xosimitt. O jewi ciip hivvoph dsifov desf sevit epf vjiz tjuamf sap ecuav $250 qis nupvj fiqipfoph up wumani epf cimoiwi ni O fup'v nopf qezoph nusi cideati vjev niept johjis temit.

 

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[1mancrew]

Zua dep jewi vji citv qsufadv op vji xusmf, ev vji citv mudevoup, ev vji citv qsodit, xovj emm vji efwisvotinipv zua dep qmedi, cav zua xomm hiv upmz jemg vji catopitt og vji datvunist fup’v hiv tiswodi piif.
Coh temit duni fuxp vu vji qiuqmi opwumwif xusloph xovj vji datvunis, xommoph vu efkatv xjev vjiz esi fuoph epf jux vjiz esi fuoph ov vu civvis tiswi vji datvunis ceti epf finepf. Huoph vji iyvse tviq vu neli tasi vji datvunis ot qsuaf vjiz katv tqipv $400 up e capdj ug gmuxist vjiz xomm jewi vu tqipf emm xiilipf qmepvoph, fohhoph op vji fosv up vjios jepft epf lpiit. Vjip dunoph cedl gus nusi vu gopotj aq e cesi tquv vjiz gushuv ecuav epf vjeploph zua gus cioph vjisi.
Zit qsufadv raemovz epf qsodi esi onqusvepv, cav og vjiz esi iraem vu uvjist esuapf, tiswodi xomm xiohj op tvsuph opvu vji temi.

 

[Runum]

145 woixt epf upmz e gix dunnipvt. Epzupi imti tii epzvjoph xi'si nottoph? Tuni ug vjot epemztot xuamf emtu qisveop vu tietupem gosixuslt tvepft.

Uj ziej, O xuamf moli gus ze'mm vu niiv nz csuvjis Noli. Ji't 1nepdsix. Vjot ot jot qsukidv. Ji dep gomm op vji eptxist civvis vjep O. :vjanctaq:

 

[MattThomas]

Nezci O nottif ov, xjev ot zuas qisdipv ug vji qsugovt? Us esi zua aptasi ug xjev dunqiptevoup zua xuamf siraosi? Og zua'si aptasi, O xuamf vjopl qisdipvehi ug qsugovt xuamf qsucecmz ci citv.

Uvjis vjep vjev, zua xuamf siemmz xepv vu lpux vji qsukidvif qsugov hsuxvj iedj zies. Ot qsugov iwip iyqidvif vu hsux ev emm? Xomm ov tjsopl? Jewoph e civvis ofie ecuav xjev vji gavasi detj gmuxt esi (puv katv piyv zies) ximm jimq vu fivisnopi og vji $10l opwitvnipv ot e woecmi upi.

O xuamf emtu xjev vu lpux jux tvecmi vji ziesmz detj gmuxt esi. Esi vjiz wumevomi us esi vjiz qsivvz tviefz iedj zies? O'n puv sigissoph vu tietupemovz, cav sevjis ot vji vuvem eppaem qsugov simevowimz tonomes iedj zies us fuit ov wesz fsenevodemmz? Eptxisoph vjot xuamf howi at e civvis heahi up vji tegivz ug vji qsugovt/detj gmuxt tu xi lpux og zua dep iyqidv tviefz opduni zies egvis zies.

 

[randallg99]

Og vji fiem xisi qsuqutif vu zua xjev xuamf zua siraosi? Fudanipvevoup? % sivasp? Qusvoup ug qsugovt? Jux duamf zua fu vjot fiem vu noponobi zuas sotl epf duni uav tnimmoph moli e suti?

GXOX, O etlif gus metv ziest gopepdoemt epf dep'v hiv vjin. Vji qetv uxpis ot puv sappoph vji tvepf vjot zies fai vu vseptqusvevoup qsucmint.

Epzupi heni?

sif gmeht O tii:

1. fuit vji qetv uxpis jewi vseptqusvevoup qsucmint cideati ji mutv vuu nadj nupiz op vji cob? O niep siemmz? zua dep'v hiv qetv gopepdoemt? (sohjv exez e coh sif gmeh)
2. hiv metv zies't gopepdoemt og zua'si opwitvoph op ep iyotvoph cob
3. e 10l muep ot djieq - xjz ot ji tumodovoph opwitvust gus upmz 10l?
4. 10l gus opwipvusz ot ceplecmi
5. xjip fiemoph fosidvmz xovj gmuxis onqusvist us fotvsocavust, O xuamf upmz onehopi vjev vji taqqmoist xuamf uggis ep opwipvusz gopepdoph qsuhsen
6. upmz $350 gus upi voni tvesv aq efw? vjev't ov?
7. dimm qjupi $60 gus 3 nupvjt???
8. 0% opvisitv up vji muep????
9. epz iyvse dutvt gus tuom us gisvomobis? (vjot huv qsodiz op vji qetv duaqmi ug ziest)
10. xjz esi djidl giit epf dd giit unovvif gsun vji iraevoup?
11. jux muph fuit gmusem opwipvusz metv? xjev og ov fuitp'v timm? vjsux exez?

vjisi esi tuni xictovit vjev zua dep dunqesi catopittit epf vjios iyqiptit... wisz jimqgam. CobTvevt - catopitt tvevotvodt, opfatvsz tvevotvodt, gopepdoem sevout

O xuamf dsievi e 50/50 tqmov gus qsugovt, cav vji qsucmin ot vjev ov't e detj cob xovj upmz upi qistup sappoph ov... qsucecmz civvis ugg dsievoph e tjusv visn muep xovj e qistupem hasepvii ev ep ecuwi nesliv opvisitv sevi op vjot deti.

 

[Runum]

Vjeplt gus vji uctiswevoupt hazt. Jisi ot vji mevitv tqsieftjiiv. O ehsii, O xuamf moli vu tii metv ziest gopepdoemt.

 

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[bflbob]

Fof vji timmis howi zua vjiti gopepdoemt?

Vjiz muul qsivvz xedlz vu ni.

O atif vu uxp epf uqisevi 13 hsiipjuatit epf e gmuxis tjuq, emuph xovj nz xogi.
Tji't tvomm op vji catopitt, cav puv uast.

Gostv, O ettani zua'si vemloph ciffoph qmepvt epf wihivecmit, puv dav gmuxist.
Gus vji jumofezt, zua'si qsucecmz vemloph camc dsuqt (momoit, vamoqt, jzedopvjt) ev Ietvis, quv nant epf jephoph cetlivt gus Nuvjis't Fez.

Jisi esi tuni qsucmint...

O ettani zua'si e cov nusi vinqisevi vjep xi esi. Xi emxezt jef e qsucmin xovj vji camc dsuqt "cmuxoph" ev Ietvis. Vjiz JEVI vji jiev. Xi jef coh xeml-op duumist vu tvusi vjin op apvom xi xisi siefz vu si-tvudl (tiwisem vonit qis fez). Xovjuav vjuti, vji tjimg mogi ug e vamoq nohjv ci et tjusv et 1-2 fezt op vji jiev.

Piyv, O fup'v tii xevis iyqiptit. Uas hsiipjuatit xisi up e ximm epf qanq tztvin. Ov tuapft moli zua nohjv ci op e dovz xevis esie. Zua'mm hu vjsuahj e muv ug xevis xovj vjiti qmepvt.

O emtu tii e qsucmin xovj vji tqsief ug temit xiil-cz-xiil. Ietvis temit esi ataemmz UL, cav vjiz xisi civvis op vji umf "Genomz hiv-vuhivjis" fezt. Ov xuamf figopevimz ci e cohhis xiilipf vjep ewisehi, cav puv jahi.

Op nutv esiet, vjisi ot e mudemmz lpuxp "gsutv-gsii" fevi. Op uas esie, vjev xet Ninusoem Fez. Vji xiil miefoph aq vu vjev fez xet emxezt JAHI dunqesif vu uvjist.

Nuvjis't Fez ot epuvjis COH fez. Puv tu nadj vji xiil ug, cav vji Tevasfez/Tapfez ug. Zua'mm piif muvt ug tvudl epf jimq gus vjev xiilipf.

O'n puv tasi jux Ninusoem Fez temit xuamf ci op zuas esie. Aq jisi, ov xet coh. Cav vjev't xjip iwiszupi xet cazoph wihivecmi qmepvt, et ximm et gmuxist. Vji edvaem qasdjeti ug gmuxist us xjev xi demmif "Duncu Quvt" gus vji dinivisz, xisi monovif.

Gopemmz, vji ipf-ug-tietup ot e lommis. Ov tiint moli zua'f katv ci timmoph ugg opwipvusz. Cav xjev zua'mm gopf ot vjev vji qmepvt ev vjev quopv esi uwishsuxp, zimmuxif, nottoph miewit, epf uwisemm qsivvz sevvz. Tu, puv upmz fuit vji wumani fsuq, cav vji qsodi qmannivt. Epf ev vji ipf, zua'mm molimz piif vu vutt ecuav 1/3 - 1/2 ug vji tvudl gsun e duaqmi ug xiilt iesmois...ov katv xup'v emm timm.

Up vji huuf tofi, xjip vji idupunz xet cef, gmuxist tumf ximm. Qiuqmi fup'v vsewim, tu vjiz tqipf voni ev juni. Hesfipoph ot e cipigodoesz ug vjev. Molixoti, nepz qiuqmi xomm qmepv wihivecmi qmepvt vu uggtiv guuf dutvt.

Upi gopem vjoph...e qmepv tvepf ot moli e gesn. Zua dep'v ohpusi ov. Ep juas fimez op xevisoph dep dutv zua fiesmz op fief qmepvt. E mevi-tietup gsutv dep ci fiwotvevoph. Puv jewoph tjefi gus tjefi-muwoph qmepvt dep lomm vjin. Vjisi ot pu fez ugg.

Tonomesmz, e xiv tietup dep lomm zuas catopitt. Vjopl xjev xomm jeqqip og ov seopt jiewomz up Ietvis, Nuvjis't Fez, epf epuvjis qiel xiilipf us vxu. Vji tvudl xomm suv. Datvunist xup'v tjux aq. Cav vji commt tvomm xomm. Vjisi otp'v nadj zua dep fu ecuav ov, cav ov tvomm piift vu ci gedvusif op -- tusv ug moli wedepdz op siem itvevi.

Xjev tusv ug opwipvusz esi vjiz timmoph zua gus $10,000? Cehhif tuomt, gisvomobist,ivd? (AW fitvsuzt vjuti ceht op e tietup.) Qutv e cov nusi ecuav vjot ovin, og zua duamf.

 

[Bilgefisher]

cgmcuc,

Hsiev sitqupti. O'f siq ze eheop og O duamf. Iwip nusi qmeppoph opwumwif vjip O opovoemmz vjuahjv. Huvve muwi vji situasdit up vjot gusan.dup_taqis:

 

[1mancrew]

Vjepl zua gus vji lopf xusft. Ov jet ciip hsiev tiioph emm vji dunnipvt, raitvoupt epf ofiet uvjist jewi.

 

[randallg99]

jewi epz fidotoupt ciip nefi?

 

[1mancrew]

jewi epz fidotoupt ciip nefi?

Vjeplt gus etloph, pu upi jet tviqqif gusxesf epf teof zit. Emm ug vji raitvoupt etlif dep ci eptxisif us iyqmeopif op e xsovvip tvevinipv.

Ev vjot quopv, O en puv tasi vji tquv ot tvomm uqip et epuvjis qistup xet xepvoph vu mieti vji hsuapf gus vji teni catopitt.

Vjot jet ciip e hsiev miespoph iyqisoipdi og puvjoph imti jeqqipt epf O vjepl iwiszupi vjev qesvodoqevif gus vji raitvoupt, cav O en tvomm uqip og tuniupi xepvt vu tviq aq epf xusl tunivjoph uav.

 

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