Car Dealer, Car Services, Financial Model, Retail, Service Businesses

5-year Financial Projections, Break-Even, Business Plans, Business Valuation, Cash Flow Projections, Dashboard, Debt Amortization, Debt Schedule, Debt Service Coverage, Excel, Financial Feasibility, Financial Model, Financial Modeling, Financial Planning, Financial Projections, Financing, Forecasting, KPIs (Key Performance Indicators), Loans, Mergers and Acquisitions Model, Payback Period, Pro-Forma, Profitability Analysis, Revenue Projections, Scenario Analysis, Sensitivity Analysis, Uses and Sources of Funds

Buy a single-store powersports dealership (motorcycle, ATV/UTV, PWC, snowmobile) and underwrite it the way an SBA lender actually will. This is a lender-ready acquisition model built around what really drives a dealership deal: gross profit by department, the floorplan interest that finances inventory, and fixed-operations absorption — not a headline revenue number.

Gross profit by line. Revenue is built by department — new units, used units, parts & accessories (PG&A), F&I and rental — each carried at its own gross margin, so blended gross profit falls out of the mix. F&I plus fixed-ops make up the majority of it.

The differentiator no template shows. A floorplan interest engine (average inventory at cost x advance x rate, where inventory = unit COGS x days-in-stock/365) and a fixed-ops absorption ratio (parts & service gross over fixed overhead) — with TWO distinct debts modelled separately: the SBA 7(a) acquisition loan and the floorplan line. Confusing the two is the #1 sizing error on dealership deals.

The honest headline is the down-cycle DSCR. Because the acquisition loan is small relative to cash flow, the base DSCR looks comfortable (1.65x) — but a normal volume down-cycle (-20%) drives SDE down 34% through the fixed overhead and pushes coverage to 0.88x, below the lender’s floor. That, not a rosy cash-on-cash, is what a buyer must survive.

What is inside: a Gross-Profit-by-Line Revenue Engine, the Floorplan Interest Engine, a Fixed-Ops Absorption tab, SDE & Valuation, a 3-part SBA 7(a) capital stack with a full-standby vs amortizing seller-note toggle, DSCR & Debt (base + down-cycle, two debts), a 5-year P&L, Returns & Exit, a Dashboard, and a Benchmarks & Sources tab. Three store profiles. SDE margin held at an honest 7.9%. 11 sheets, machine-verified across three engines, Excel and Google Sheets, no macros. No IRR is headlined. Educational planning tool, not financial, legal or investment advice.

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