Aussie Dairy — Financial Model v6 2026

📖 Business Health Summary

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Net Revenue

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After trade disc & VAT

Gross Profit

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GP margin: —

NPAT

—

Net margin: —

DSO

—

AR Balance: —

Break-Even

—

Cumulative profit turns +ve

Revenue by SKU Category

P&L Waterfall

Working Capital

AR Balance (?)—

Inventory Value (?)—

AP Balance (?)—

Net WC Required—

Funding Available—

Funding Gap / Surplus—

What's Working ✅

Needs Attention ⚠️

AssumptionsEdit any value — all tabs recalculate instantly.

A — SKU Pricing & Monthly Volume

Retail price is what customers pay. Trade discount % is deducted first, then VAT removed to get your net revenue per unit. IMF (infant formula) is GST-free in Australia — set VAT to 0%.

Total Annual Units: — Gross Revenue (incl. VAT): — Net Revenue (ex. VAT & trade disc): —

B — Quarterly Revenue Split

Define what % of annual revenue falls in each quarter (must sum to 100%). Applies proportionally to all SKUs.

Q1 % (Jan–Mar)15%

Q2 % (Apr–Jun)22%

Q3 % (Jul–Sep)28%

Q4 % (Oct–Dec)35%

Quarterly % sum: 100%

C — Operating Expenses (Assumption Drivers)

Each category has fixed + variable components. Variable costs scale with revenue month-by-month. See the OPEX tab for full breakdown and benchmarks.

👥 People

No. of Full-Time Staffheadcount

Avg Annual Salary (per person)$/yr

Superannuation Rate%

Annual Leave Loading%

Workers Comp & Insurance% of wages

Total People Cost / yr

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🚚 Logistics & Freight

Outbound Freight (per unit)$/unit

Returns & Reverse Logistics% of outbound

Fixed Freight (courier acc etc.)$/mo

Total Logistics / yr

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🏭 Warehouse & Storage

Warehouse Spacem²

Rent Rate$/m²/yr

Utilities (power, internet)$/mo

Cold Chain / Refrigeration$/mo

Total Warehouse / yr

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📣 Sales & Marketing

Marketing % of Net Revenue%

Variable — scales with revenue

Fixed Marketing (events, PR)$/mo

Digital / Social Ads$/mo

Total Marketing / yr

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🖥 Administration & Office

Office Rent$/mo

Accounting & Bookkeeping$/mo

Legal & Compliance$/mo

Software Subscriptions$/mo

Business Insurance$/mo

Total Admin / yr

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📋 Other Costs

Bank Fees & Merchant Charges% of revenue

Licences & Regulatory Fees$/yr

Miscellaneous / Contingency$/mo

Total Annual OPEX: — Monthly Average: — % of Net Revenue: —

D — Accounts Receivable (AR) Assumptions

Standard Payment Termsdays

What your invoice says (e.g. Net 30)

Avg Collection Days (DSO)actual days

45 days

Reality — often longer than stated terms

% Customers Paying On Time%

70%

Bad Debt Provision% of revenue

% of sales you expect never to collect

Settlement Discount Offered%

Discount if customer pays within 7 days

Customers Taking Early Disc.%

20%

AR Balance: — Bad Debt (annual): — Settlement Disc Cost: —

E — Inventory Assumptions (Per SKU)

Stock days = how many days of sales you keep on hand. Lead time = how long supplier takes to deliver. MOQ = minimum order. Spoilage = % of stock that expires or is damaged per year.

Supplier Payment Terms (AP days)days

How long you take to pay your suppliers — this offsets your working capital requirement

F — Finance & Tax

Paid-Up Capital$

Credit Line (approved)$

Credit Line Drawn %%

100%

Interest Rate (p.a.)%

Opening Cash Balance$

Income Tax Rate%

P&L StatementFull income statement with all revenue deductions, expense lines, and tax. All figures annual.

Annual P&L — Detailed Statement

P&L by SKU — Contribution Summary

Monthly P&L — Growth Ramp

InventoryPer-SKU stock management — reorder alerts, turnover, spoilage, and AP balance.

SKU Inventory Status (Weighted Average Cost)

Inventory Summary

Spoilage & Wastage

AP Balance (Creditors)

Monthly Stock Movement (Aggregate)

Cash FlowMonthly operating cash — AR collection mechanics + waterfall.

AR Collection Analysis

Settlement Discount ROI

Monthly Cash Flow Waterfall

Break-Even AnalysisWhen does the business cover all costs?

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Cumulative break-even month

Break-Even Revenue

Margin of Safety

Monthly Cumulative Profit Path

Retailers & Sales Channels Per-channel revenue, acquisition costs, contribution margin, payment terms, and AR analysis.

Active Channels

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retailer doors

Total Acq. Cost / yr

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listing amort + ranging

Total AR Balance

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outstanding receivables

Weighted DSO

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avg collection days

Total Contribution

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after acq. costs

Retailer Channel Assumptions

Listing fee = one-off cost to get ranged (per retailer/banner × # doors). Amortised over contract period. Ranging fee = ongoing monthly retainer per retailer.

Rev % Sum: - Total Listing Cash Out: - Annual Listing Amort: - Annual Ranging Fees: - Wtd DSO: -

Channel Contribution Waterfall

Net Rev → Trade Disc → Sett Disc → Gross Profit → Acquisition Costs → Contribution

Revenue & Contribution by Channel

AR Aging by Channel

Based on DSO vs invoice terms. Amounts in each aging bucket.

Retailer Acquisition Cost Detail

Listing fee amortised over contract. Ranging = monthly retainer × 12. Cash outflow = total listing fees upfront.

Settlement Discount ROI by Channel

Cost of offering early payment discount vs cash acceleration benefit per channel.

Monthly Revenue & Acquisition Cost Forecast by Channel

OPEX AnalysisFull cost breakdown — driver-based estimates with benchmarks and monthly phasing.

Total OPEX / yr

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—/mo avg

% of Net Revenue

—

Target: under 40%

OPEX per Unit

—

All OPEX ÷ units sold

Fixed Costs / yr

—

— of total opex

Variable Costs / yr

—

Scales with revenue

Cost by Category — Annual

Benchmark vs Typical Range

👥 People Cost Breakdown

🚚 Logistics Breakdown

🏭 Warehouse Breakdown

📣 Marketing Breakdown

🖥 Admin + Other Breakdown

Monthly OPEX Phasing — Variable Costs Scale with Revenue

Scenario ComparisonHow do key metrics change under different conditions?