Business Plan Template

Ember & Oak Coffee Roasters

Portland, Oregon · Est. 2019

Business Plan · 2027–2030

A second home on Alberta Street

Expansion plan for a specialty roastery and café, opening our second Portland location in the Alberta Arts District in spring 2027.

Funding request $180,000

Instrument SBA 7(a) loan

Term 10 years

Prepared for Columbia Ridge Community Bank
Small Business Lending

Prepared by Maya Okafor-Lind &
Daniel Reyes, Co-founders

Date October 2026
Version 2.1

Roasted in Portland. Built to last.

This plan sets out why a second Ember & Oak café is the right next step, how we will run it, and how the loan will be repaid from cash flow that the business already earns.

All projections cover the first three years after the Alberta café opens, April 2027 through March 2030, and include both cafés and our wholesale roasting business.

ContactEmber & Oak Coffee Co., LLC
2418 SE Division Street
Portland, OR 97202
(503) 555-0142
hello@emberandoak.example.com

Contents

01 Executive SummaryThe opportunity, the ask, and the numbers that matter 02 Company DescriptionMission, history, legal structure, and locations 03 Products & ServicesCafé, wholesale roasting, retail and subscriptions 04 Market AnalysisMarket size, target segments, and trends 05 Competitive AnalysisNearby competitors and our position 06 Marketing & Sales StrategyLaunch plan, channels, budget, and targets 07 Operations PlanSite, suppliers, staffing, and milestones 08 Management TeamOwners, advisors, and the Alberta lead 09 Financial PlanUse of funds, projections, and break-even 10 Funding Request & AppendixLoan terms, collateral, and supporting documents

01

The plan at a glance

Executive Summary

Ember & Oak is a profitable, seven-year-old specialty roastery and café on SE Division Street. We are asking for a $180,000 SBA 7(a) loan to open a second café on NE Alberta Street, a neighborhood where our wholesale coffee already sells and our regulars already live.

Funding ask $180K SBA 7(a), 10-year term; owners add $45K equity

Year-3 revenue $1.74M Both cafés plus wholesale, up from $842K in 2026

Break-even Month 10 Alberta café covers its full costs, incl. loan payment

Year-1 DSCR 2.38× EBITDA of $69.4K vs. $29.1K annual debt service

The opportunity

Our Division Street café serves about 215 guests a day and has outgrown its 38 seats. Loyalty data shows that 22% of our members live in the 97211 and 97217 ZIP codes, which have no café that roasts its own coffee. A vacant 1,650 sq ft corner unit at 1730 NE Alberta Street, a former bakery with existing plumbing and venting, lets us open with a lighter build-out than a raw space.

The business today

We expect 2026 revenue of $842,000: $612,000 from the café, $148,000 from wholesale accounts, and $82,000 from retail bags and online subscriptions. The company has been profitable every year since 2021 and has never missed a payment on its existing equipment lease.

The plan

The loan funds build-out, espresso equipment, opening inventory, and a $20,000 working-capital reserve. Coffee for both cafés is roasted at our Division Street roastery, so the new site needs no roasting equipment and gets our wholesale price on beans from day one.

Why it will work

• Proven menu, systems, and suppliers, copied to a second site
• An opening manager promoted from inside, trained for 14 months
• In-house roasting gives a 76% gross margin on a latte, our best-selling drink
• Conservative ramp: the Alberta café reaches only 60% of Division Street's sales in its first year

“We are not testing a concept. We are opening a second copy of a café that already works, three miles from the first.”

02

Who we are

Company Description

Mission

To roast honest, carefully sourced coffee and serve it in rooms that feel like the best part of a neighborhood.

Ember & Oak began in 2019 as a 5-kilo roaster in a shared kitchen. Co-founders Maya Okafor-Lind and Daniel Reyes opened the Division Street café in March 2020, two weeks before the first pandemic closures, and kept the business alive on a walk-up window and online bean sales. That window became a habit for the neighborhood, and the café has grown every year since.

Today we roast about 2,350 pounds of coffee a month on a 15-kilo drum roaster. Roughly 40% goes through our own café, 50% to 31 wholesale accounts (restaurants, offices, and two grocery co-ops), and 10% to retail bags and subscriptions.

History & milestones

Year	Milestone
2019	Company formed; first roasts sold at the Lents farmers market
2020	Division Street café and roastery open; walk-up window launched
2022	Upgraded to a 15-kilo roaster; first grocery co-op account
2024	“Best Neighborhood Café” in the Southeast Weekly readers' poll
2026	Revenue of $842K forecast; 31 wholesale accounts; 210 subscribers

Company facts

Legal name Ember & Oak Coffee Co., LLC

Structure Oregon limited liability company, taxed as an S corporation

Formed June 2019

Ownership Maya Okafor-Lind 50%
Daniel Reyes 50%

Employees 17 today; 26 after the Alberta café opens

Flagship 2418 SE Division Street, Portland, OR 97202 — café (38 seats) and roastery

New site 1730 NE Alberta Street, Portland, OR 97211 — café (44 seats + 16 patio)

Banking Operating account with Columbia Ridge Community Bank since 2020

Our values

Direct where it counts. Four of our nine coffees come from producers we buy from every year.
Fair work. Every barista starts above Portland minimum wage, plus tips and paid sick time.
Good neighbors. 1% of café sales goes to the Division–Clinton and Alberta main-street associations.

03

What we sell

Products & Services

Three revenue lines share one roaster. The café brings in daily cash and builds the brand; wholesale and retail use the same beans to earn steady, higher-margin income.

78%of Year-1 revenue

Café

Espresso drinks, batch and pour-over coffee, house-made chai, and a short food menu baked each morning by our partner, Little Hearth Bakery. Average ticket is $7.85.

14%of Year-1 revenue

Wholesale

Roasted coffee, equipment set-up, and barista training for 31 accounts. Accounts sign 12-month agreements and buy an average of 38 lb a month.

8%of Year-1 revenue

Retail & online

12-oz bags in both cafés and two co-ops, plus subscriptions shipped every two or four weeks. 210 active subscribers with 4.1% monthly churn.

Core café menu

Drip coffee, 12 oz $3.50

Espresso / cortado $3.75 / $4.75

Latte or cappuccino, 12 oz $5.75

Single-origin pour-over $6.00

House chai or seasonal latte $6.25

Pastries & toast $4.25 – $9.50

Retail bag, 12 oz $18 – $24

Menu prices are the same at both cafés. Prices last changed in February 2026.

What is new at Alberta

• A slow bar. Six seats at a tasting counter for pour-overs and weekend cupping flights ($14 per guest).
• Evening hours, Thursday to Saturday. Open until 9 pm with natural wine and coffee cocktails under an OLCC limited on-premises license.
• Classes. Home-brewing and latte-art classes for 8 guests at $55 each, twice a month.
• A wholesale showroom. Restaurant buyers taste and train at the counter, which supports our wholesale growth on the north side of the city.

Unit economics. A 12-oz latte costs us $1.38 in coffee, milk, and cup, which is a 76% gross margin at $5.75. Food carries a 52% margin. Across the café menu, cost of goods is 28%.

04

Who we serve

Market Analysis

Portland has one of the highest rates of specialty coffee spending per person in the United States. Our market is the coffee bought away from home in the Portland metro area, and the realistic part of it is the specialty café trade within a 1.5-mile walk or bike ride of 1730 NE Alberta Street.

TAM

$590 million

Yearly spend on coffee and café food away from home across the Portland metro area (2.5 million residents).

SAM

$38 million

Specialty café spend in Northeast Portland: Alberta Arts, Concordia, King, Vernon, and Sabin neighborhoods.

SOM

$635,000

Alberta café sales in Year 3, equal to 1.7% of the serviceable market.

Target segments

45%

Neighborhood regulars

Residents aged 28–55 within one mile who visit 3–5 times a week. They drive morning volume and most loyalty sign-ups.

30%

Remote workers

Freelancers and hybrid staff who stay 1–3 hours. They raise the average ticket with a second drink and food.

25%

Destination visitors

Gallery, Last Thursday, and weekend visitors to Alberta Street. They buy retail bags and attend cuppings.

Percentages are the expected share of Alberta café transactions, based on Division Street loyalty data and a two-week foot-traffic count in August 2026.

Market trends

i. Specialty keeps gaining share. Specialty drinks are now a majority of coffee bought away from home, and the trend is strongest with buyers under 40.

ii. Neighborhood over downtown. Hybrid work moved weekday coffee buying from downtown cafés to residential main streets like Alberta.

iii. Traceability sells. Guests pay more for coffee with a named farm, and retail bags with producer stories sell 2× faster in our cafés.

iv. Green coffee prices are high. Arabica costs rose in 2024–25. We hold 5-month forward contracts and price this plan at today's costs.

05

Who else is on the street

Competitive Analysis

Four cafés compete for the same guests within a 10-minute walk of the Alberta site. None of them roasts its own coffee on site, and only one stays open in the evening. We do not plan to compete on price: our latte is priced in the middle of the group, and our advantage is freshness, menu depth, and a room people want to stay in.

Café	Distance	12-oz latte	Roasts own	Seats	Food	Evening	Main strength
Ember & Oak 1730 NE Alberta	—	$5.75	Yes	60	Bakery partner	Thu–Sat	Fresh roast, slow bar, classes
Cedar Line Coffee Multi-roaster café	0.3 mi	$6.00	No	24	Pastry only	No	Loyal following, strong design
Northbound Espresso Local chain, 6 sites	0.5 mi	$5.25	Off-site	30	Full menu	No	Speed, mobile ordering
Little Fern Café Café and lunch spot	0.4 mi	$5.50	No	40	Full kitchen	Daily	Food, evening wine bar
Daybreak Drive-Thru National franchise	0.9 mi	$4.95	No	0	Packaged	No	Convenience, price

Positioning map

Our position

The top-right corner of the map is empty. Cedar Line serves excellent coffee but has 24 seats and closes at 3 pm. Little Fern is a comfortable room, but coffee is a side line. Ember & Oak will be the place on Alberta to stay for coffee that was roasted this week.

How we defend it

• Coffee no more than 10 days off the roaster, printed on every bag
• A slow bar and classes that chains cannot copy cheaply
• Evening hours Thursday to Saturday, when only Little Fern is open
• Members earn points at both cafés and online

06

How we fill the room

Marketing & Sales Strategy

We start the Alberta café with an audience, not from zero: 4,600 loyalty members, 210 coffee subscribers, and 11,800 Instagram followers. The launch plan turns that audience into the first month of regulars.

From first visit to regular

AwarenessPre-opening

Construction-window signs with a QR code from January. A “Coffee on Us” card mailed to 6,000 households in 97211 and 97217. Two pop-up cuppings at the Alberta Street Fair.

2,500email sign-ups before opening

First visitOpening month

Free drip coffee for opening week. A grand-opening Saturday with Little Hearth Bakery. Existing members get double points at Alberta for the first 30 days.

2,500transactions in month 1

ReturnMonths 2–6

Loyalty sign-up at the till, with a free drink on the sixth visit. Weekly email with new coffees and class dates. Remote-worker weekday “refill” pricing at $2.

**45%**of guests return within 30 days

AdvocateOngoing

Classes and cupping flights for gifts. Local partnerships with Alberta galleries for Last Thursday. Wholesale buyers introduced at the showroom counter.

12new wholesale accounts by Year 2

Year-1 marketing budget: $30,000

Opening offers & events $10,000 Direct mail $7,000 Social & local ads $6,000 Signs & print $4,000 Loyalty platform $3,000

Pre-opening spend of $7,000 is paid from the loan (see Use of Funds). The $30,000 above is the Year-1 operating budget in the projected P&L.

Wholesale sales

Daniel Reyes leads wholesale sales with one part-time account rep. The target is restaurants and offices north of I-84, where delivery from Division Street used to add a day. The Alberta café becomes a second drop point, cutting delivery time to same-day.

Wholesale revenue grows from $148,000 in 2026 to $190,000 in Year 1 and $260,000 in Year 3, at an average of $10.60 per pound.

07

How we run it

Operations Plan

Location

1730 NE Alberta Street is a 1,650 sq ft corner unit with south-facing windows and space for a 16-seat patio. Our letter of intent covers a 10-year lease with two 5-year options at $6,500 a month (about $47 per sq ft a year), with three months of free rent during build-out.

The unit was a bakery until 2025. It has a grease trap, 200-amp service, and a vent hood, which saves an estimated $35,000 against a raw space. Build-out is 10 weeks with Stonecrop Builders, who built our Division Street bar.

Hours

Monday–Wednesday 6:30 am–6 pm. Thursday–Saturday 6:30 am–9 pm. Sunday 7 am–6 pm. Total of 89 open hours a week.

Key suppliers

Supplier	Supplies	Terms
Ember & Oak Roastery	All coffee, roasted 3× a week	Internal
Cascadia Green Imports	Green coffee, 5-month forward contracts	Net 30
Willamette Valley Dairy	Milk and cream, daily delivery	Net 15
Little Hearth Bakery	Pastries and bread, daily	Weekly
Rose City Paper Co.	Compostable cups and packaging	Net 30
Brewline Service	Espresso machine service contract	Quarterly

Alberta staffing plan

Role	Headcount	Status	Pay rate	Annual hours	Annual wages
Café manager Theo Whitcombe, promoted from Division St	1	Full-time, salaried	$54,000/yr	2,080	$54,000
Shift lead	1	Full-time	$20.00/hr	2,080	$41,600
Baristas Plus pooled tips, avg. $6/hr	5	Part-time, 17 hrs/wk	$18.00/hr	4,400	$79,200
Total wages	7			8,560	$174,800
Payroll taxes & benefits (12%)					$20,976
Total Alberta labor cost					$195,776

Two more hires, a roastery production assistant and a part-time wholesale account rep, join the shared team at Division Street. Owners and the head roaster are paid from the consolidated payroll shown in the projected P&L.

07

Operations, continued

Milestones & Opening Timeline

The schedule below assumes loan approval in December 2026. Every date has two weeks of float, and the lease starts the rent clock only after the certificate of occupancy is issued.

Dec 2026

Loan approved

SBA 7(a) approval; lease signed with 3 months free rent.

Jan 2027

Permits & build-out

City permits filed; Stonecrop starts a 10-week build.

Feb 2027

Equipment ordered

3-group espresso machine and grinders; 8-week lead time.

Mar 2027

Hiring & training

Seven hires train for two weeks at Division Street.

Apr 3, 2027

Grand opening

Soft open March 29; grand opening Saturday April 3.

Jan 2028

Break-even

Month 10: Alberta covers all costs, incl. loan payment.

Operating milestones after opening

By	Milestone	Measure	Owner
Month 3	Evening service live, Thursday–Saturday	OLCC license issued; 40 covers per evening	Maya Okafor-Lind
Month 6	Classes and cupping flights running	2 classes a month, 75% full	Theo Whitcombe
Month 10	Alberta break-even	Monthly sales above $40,350	Theo Whitcombe
Month 12	Year-1 targets met	Alberta sales $400K; 2,000 new loyalty members	Maya Okafor-Lind
Month 18	North-side wholesale growth	12 new accounts, same-day delivery	Daniel Reyes
Month 24	Second roaster shift	4,000 lb a month roasted	Daniel Reyes

Quality control

Every roast batch is cupped before release. Both cafés dial in espresso at opening and at noon, and log recipes in a shared sheet. The café manager runs a monthly service audit against the Division Street standard.

Systems

Both cafés use the same POS, loyalty program, scheduling software, and inventory par sheets. One bookkeeper closes the books for both cafés each month, with a location-level P&L by the 10th.

Key risks & mitigations

Slower ramp. If sales reach only 85% of plan, the reserve plus Division Street cash still covers 14 months of Alberta losses.

Build-out overrun. Fixed-price bid with a 10% contingency inside the $78,000; Stonecrop carries the schedule risk.

Coffee prices. Forward contracts fix 5 months of green coffee; a $0.50 menu increase offsets a 20% price rise.

08

Who runs it

Management Team

The owners have run Ember & Oak together for seven years and each owns half of the company. Both personally guarantee the loan. An outside CFO advisor and an experienced café manager complete the team.

MO

Maya Okafor-Lind

Co-founder · CEO & Director of Cafés

Maya runs café operations, people, and finance. Before Ember & Oak she spent nine years with a Seattle café group, where she rose from barista to regional manager of five stores and led two new-store openings. She designed the hiring, training, and opening checklists that the Alberta team will use.

B.A. Business Administration, Portland State University · SCA Barista Skills Professional · Board member, Division–Clinton Business Association

DR

Daniel Reyes

Co-founder · Head Roaster & Wholesale

Daniel buys green coffee, roasts every batch, and manages all 31 wholesale accounts. He grew up on his family's coffee farm in Huila, Colombia, and roasted for two Portland roasters before founding the company. He built the direct relationships behind four of our nine coffees.

Q Arabica Grader · SCA Roasting Professional · Judge, regional brewers cup 2023–2025

TW

Theo Whitcombe

Alberta Café Manager (from March 2027)

Theo joined as a barista in 2021 and has been Division Street's assistant manager since 2024, running scheduling, ordering, and the closing shift. He has completed our 14-month manager development program and will lead the Alberta café from hiring day.

ServSafe Manager certified · OLCC service permit · Lives four blocks from the Alberta site

PN

Priya Natarajan, CPA

Fractional CFO & Advisor

Priya has advised Ember & Oak since 2022, preparing monthly financial statements, tax filings, and the projections in this plan. She works with 14 Portland food and beverage businesses through her firm, Natarajan Advisory.

CPA, Oregon · Former senior manager, restaurant practice of a regional accounting firm

09

Use of funds

Financial Plan

The total project cost is $225,000. The SBA loan covers 80% and the owners contribute 20% in cash from retained earnings, which is held today in the company's savings account.

SBA 7(a) loan

$180,000

80% of project cost

Owner equity

$45,000

20% of project cost, cash on hand

Startup costs & use of funds

Item	Detail	Amount	Share
Build-out & equipment
Leasehold improvements	Bar, slow bar, restrooms, patio, finishes	$78,000	34.6%
Espresso & brewing equipment	3-group espresso machine, grinders, brewers	$46,500	20.6%
Furniture, fixtures & signage	60 seats, shelving, exterior sign	$21,500	9.6%
POS, technology & security	Two terminals, network, cameras	$6,000	2.7%
Pre-opening
Opening inventory	Coffee, milk, bakery, cups, retail stock	$12,000	5.3%
Lease deposit & first rent	Security deposit plus 2 months at $6,500	$19,500	8.7%
Permits, licenses & professional fees	Building permit, OLCC, legal, SBA fees	$8,500	3.8%
Pre-opening marketing	Direct mail, signs, opening week offers	$7,000	3.1%
Hiring & training	Two weeks of paid training for 7 hires	$6,000	2.7%
Reserve
Working capital	Covers ramp-up losses before break-even	$20,000	8.9%
Total project cost		$225,000	100%

Where the money goes

Build-out & equipment $152,000 (67.6%) Pre-opening $53,000 (23.5%) Reserve $20,000 (8.9%)

Two-thirds of the project buys long-lived assets that also secure the loan. Build-out is depreciated over 15 years and equipment over 7 years, which adds about $16,100 a year to the depreciation line in the projected P&L.

09

Three-year projection

Projected Profit & Loss

Consolidated: Division Street café, Alberta café, roastery, and wholesale. Year 1 runs April 2027 – March 2028. All figures in US dollars.

	Year 1	Year 2	Year 3
Revenue
Café sales — Division Street	640,000	665,000	685,000
Café sales — Alberta Street	400,000	550,000	635,000
Wholesale coffee	190,000	220,000	260,000
Retail bags & subscriptions	110,000	125,000	155,000
Total revenue	1,340,000	1,560,000	1,735,000
Cost of goods sold 29.0% · 28.5% · 28.0% of revenue	(388,600)	(444,600)	(485,800)
Gross profit	951,400	1,115,400	1,249,200
Operating expenses
Payroll, taxes & benefits	560,000	612,000	655,000
Rent & occupancy (3 sites)	180,000	185,000	190,000
Utilities, repairs & maintenance	40,000	43,000	46,000
Marketing	30,000	28,000	30,000
Insurance, admin & professional fees	36,000	38,000	40,000
Card processing & software	36,000	41,000	45,000
Depreciation	22,000	22,000	22,000
Total operating expenses	904,000	969,000	1,028,000
Operating income (EBIT)	47,400	146,400	221,200
Interest on SBA loan	(18,400)	(17,200)	(15,900)
Net income	29,000	129,200	205,300

The company is a pass-through entity, so net income is shown before the owners' personal income tax.

EBITDA, Year 1 $69,400 $168,400 in Year 2 · $243,200 in Year 3

Annual debt service $29,146 $2,429 × 12 months

DSCR, Year 1 2.38× 5.78× in Year 2 · 8.34× in Year 3

Net margin, Year 1 2.2% 8.3% in Year 2 · 11.8% in Year 3

09

Growth and break-even

Revenue Growth & Break-even

Company revenue by year

$781K

$842K

$1.34M

$1.56M

$1.74M

FY 2025Actual FY 2026Forecast Year 1Projected Year 2Projected Year 3Projected

Alberta café break-even

We count all of the Alberta café's fixed costs, including its full loan payment. Each sales dollar contributes 69 cents after coffee, food, and card fees (28% cost of goods plus 3% card fees).

Fixed costs / month $27,844 Rent $6,500 · labor $16,315 · other $2,600 · loan $2,429

Contribution margin 69% After COGS and card fees

Break-even sales $40,350 per month ($27,844 ÷ 0.69)

Daily guests needed 169 at a $7.85 average ticket

Alberta monthly sales, Year 1 ($ thousands)

Break-even $40.35K

20Apr 23May 26Jun 28Jul 30Aug 32Sep 35Oct 37Nov 39Dec 41Jan 43Feb 46Mar

Monthly sales total $400,000 for Year 1. Losses in months 1–9 are covered by the $20,000 working-capital reserve and cash flow from Division Street. Division Street has averaged $51,000 a month in 2026, so the ramp assumes Alberta reaches 80% of that level by month 10.

10

The ask

Funding Request & Appendix

Ember & Oak Coffee Co., LLC requests a $180,000 SBA 7(a) term loan to open the Alberta Street café.

Amount $180,000

Term 10 years, amortizing

Rate assumed 10.5% variable

Monthly payment $2,429

First draw January 2027

Equity injection $45,000 (20%)

Collateral & guarantees

• First lien on all Alberta equipment, fixtures, and leasehold improvements
• Blanket lien on business assets, including the Division Street roaster
• Unlimited personal guarantees from both owners
• Assignment of the Alberta lease, with landlord consent

Repayment

Payments are made from consolidated cash flow. Division Street alone produced enough cash in 2026 to cover the full annual payment of $29,146 more than twice over, so repayment does not depend on the Alberta café succeeding.

Appendix: supporting documents

A Business tax returns, 2023–2025, and year-to-date 2026 financial statements

B Personal financial statements (SBA Form 413) for both owners

C Letter of intent for 1730 NE Alberta Street

D Build-out bid from Stonecrop Builders and equipment quotes

E Monthly cash-flow projection, Year 1, by location

F Wholesale account list and the top 10 contracts

G Owner résumés and certifications

Key assumptions. Projections use 2026 menu prices with no increase, 2026 green-coffee contract costs, a 3% annual raise for all staff, and Oregon payroll taxes at current rates. Interest is calculated on a 10.5% rate; each 1-point change moves annual debt service by about $1,200.

Maya Okafor-Lind Co-founder & CEO · Date

Daniel Reyes Co-founder & Head Roaster · Date