Run your business
without becoming an Excel whiz
Financial projections, invoices, pricing, profitability: ask the question however it comes to you.
Summia builds the table and explains every number.
Financial projections you actually understand
For the bank, a business partner, or yourself: Summia builds your three years of projections, and you know where every number comes from.
Assumptions
| Loan | $150,000 |
| Loan term | 7 years |
| Average ticket | $8.00 |
| Rent per month | $4,500 |
3-year financial projections
fx Net income Revenue minus purchases, payroll, rent, and loan interest
| Year 1 | Year 2 | Year 3 | |
|---|---|---|---|
| Customers per day | 180 | 210 | 230 |
| Revenue | $504,000 | $588,000 | $644,000 |
| Net income | $15,470 | $60,870 | $90,326 |
| Cash | $23,400 | $65,920 | $136,520 |
Break-even point
Average check$25
| Fixed costs per month | $32,000 |
| Food cost | 30% |
| Days open | 26 |
Margin per customer$17.50
Customers per day71
Is it worth it?
How many customers do you need to cover your costs? What price lets you pay yourself? Change one number, and the answer follows.
Late invoices at a glance
A forgotten invoice is cash just sitting there. Sent, paid, overdue: Summia sums it all up and shows you who to follow up with.
Invoice tracking
| Customer | Amount | Due date | Status |
|---|---|---|---|
| Parker Studio | $1,200 | 09/25 | Paid |
| Bennett Law LLC | $2,450 | 10/02 | 18 days late |
| Kito Design | $680 | 09/30 | Paid |
| Durham Supply | $3,100 | 10/30 | Not yet due |
| Pete’s Garage | $950 | 10/15 | 5 days late |
| Morales Florist | $1,750 | 10/10 | Paid |
| Outstanding | $6,500 |
What freelancers and small businesses build with Summia
3-year financial projections “Financial projections for opening a coffee shop with a $150K loan” Break-even point “How many customers a day do I need to cover my fixed costs?” Hourly rate “What hourly rate do I need to take home $6,000 a month?” Invoice tracking “Invoices sent, paid, and overdue, with payment reminders” Remodeling quote “Kitchen remodel quote with materials, labor, and sales tax” Store cash flow “Cash in and cash out for the store, week by week”
You show only what you choose
Hosted in France, and no data used to train any AI. Show your accountant or your banker what you want, and nothing more.
How we approach security →- Hidden formulas People see the results, not the math.
- Share a single table Your banker sees your projections, not your invoices.
- Remove access in one click It takes effect immediately, on every device.