Business Plan  ·  2026
Ember
& OakEst. 2026
Portland, Oregon  ·  Specialty Café & Micro-Roastery
Ember
& Oak
A sunlit neighborhood coffee bar, built on beans we roast ourselves.
Prepared by
Nora & Eli Hartman
Capital sought
$55,000 SBA
Opening
March 2026
01

Executive Summary

The pour

Ember & Oak is a specialty café and micro-roastery in Portland's Alberta Arts district — a warm, sunlit room where neighbors linger and every cup is poured from beans we roast in the back.

The concept is small on purpose. A 900-square-foot room, a tight espresso-and-pour-over menu, a 5-kilo roaster behind the bar, and a morning rush we know cold. We are not chasing a chain footprint; we are building the best forty feet of counter in the neighborhood, open seven mornings a week.

$486K
Year-1 revenue (projected)
Mo. 11
Cash-flow break-even
22%
Bean & COGS target
$135K
Total startup cost
The opportunity

Portland drinks more specialty coffee per capita than almost any US city, yet Alberta Arts has lost two cafés to lease turnover since 2023. A walkable, residential pocket of 14,000 is under-served at exactly the moment foot traffic is recovering. We open into a gap, not a crowd.

Why us

Nora spent seven years as head roaster at a Stumptown-trained micro-roaster; Eli managed a three-bar café group through its busiest seasons. We hold the green-coffee relationships, the bar systems, and a signed letter of intent on the corner lease.

The ask

$55,000 to open the doors and fire the roaster.

An SBA microloan covering build-out, the roaster, and a 90-day runway. Paired with $80,000 of owner equity, it funds a finished room, three months of working capital, and no high-interest debt on the founders.

$55,000
Ember & Oak CoffeeConfidential — Page 2
02

The Concept & Menu

What we pour

A short, seasonal menu built around coffee we roast ourselves. Espresso pulled on a two-group machine, pour-overs to order, and a tight pastry case from a baker two blocks away. Everything is named plainly, priced fairly, and made to be the reason someone walks past three other cafés.

Core menu & unit economics
Average ticket

A typical order is a drink and a pastry — a $6.50 average ticket at a blended 22% cost of goods. Roasting our own beans is what holds that number: we buy green coffee at a third of wholesale roasted cost.

The roaster as a margin engine

The 5-kilo roaster does double duty — it supplies the bar and fills a retail shelf and two wholesale accounts. Those bags carry a 70% margin and turn idle afternoon labor into revenue.

Ember & Oak CoffeeConfidential — Page 3
03

Market Analysis

The demand

Portland is one of the deepest specialty-coffee markets in the country — a city where a neighborhood café is part of the morning, not just a stop on the way to work.

$45.4B
US specialty coffee market, 2026
5.1%
Specialty CAGR through 2030
3.1
Cups/day, avg Portland drinker
14K
Residents in our walk radius
Who buys, by daypart
  • AM rush, 7–10 (58% of revenue) — commuters and remote workers; fast, repeat, espresso-led tickets.
  • Midday lull, 10–2 (27%) — laptop regulars, retail-bag pickups, pour-over sippers.
  • Afternoon, 2–5 (15%) — students, meet-ups, decaf and pastry attach.
Our target regular

The neighbor who walks, not drives — 28 to 45, lives within six blocks, and visits four-plus times a week. They care where the beans come from, will pay $5.50 for an oat latte made right, and carry the whole model: regulars drive 60% of our weekday cups.

Recovering downtown occupancy and a residential pocket that keeps growing mean demand is rising into a market two cafés just vacated.

Ember & Oak CoffeeConfidential — Page 4
04

Competitive Landscape

The edge

The neighborhood has coffee — a chain on the corner, a drive-thru kiosk, an aging café coasting on location. None roast their own, and none have made the room itself a reason to stay. That gap is our wedge.

CompetitorRoasts ownSeatingAvg check
National chain corner location, drive-thruNoLimited$5.25
Brew Kiosk grab-and-go, no seatingNoNone$4.50
The Daily Cup established café, wholesale beansNo20 seats$5.75
Ember & OakYes32 seats$6.50
Our edge
  • We roast it — fresher cup, fatter margin, and a retail line none of them can match.
  • A room worth staying in — warm light, real seating, the third-place neighbors lost.
  • Operator pedigree — a head roaster and a multi-bar manager, not first-timers.
Honest risks
  • Green-coffee price swings — hedged with forward contracts and a two-origin supplier base.
  • A slow ramp — regulars take months to build; our 90-day runway and retail line bridge the gap.
  • One location — a single room is a single point of failure; we budget reserves before any second site.
Ember & Oak CoffeeConfidential — Page 5
05

Operations & Go-to-Market

The rhythm

The day runs on a fixed rhythm. The bar opens at 7, the roaster fires mid-morning once the rush clears, and afternoons turn into prep, bagging, and wholesale fulfilment. Sourcing is direct: two importer relationships, seasonal single-origins, transparent pricing on the menu board.

The daily daypart flow
7–10
AM Rush

Full bar, two baristas; espresso-led tickets and the day's peak volume.

10–2
Roast & Lull

Roaster fires; pour-overs, laptop regulars, retail-bag pickups.

2–5
Bag & Wholesale

Afternoon trade plus bagging and two wholesale account fills.

Wkly
Cup & Source

Cupping table, green-coffee QC, and supplier check-ins.

Loyalty & marketing engine
  • Punch-card loyalty — tenth drink free; owns the regulars who drive weekday volume.
  • Bean subscription — monthly roast shipped or held; recurring, high-margin revenue.
  • Neighborhood Instagram — origin stories and the morning light; the room is the content.
Cost to acquire

Organic-first by design. We budget $500/month for local events and loyalty perks — well under $3 per new regular given a four-visit weekly cadence and word-of-mouth on a walkable block.

Staffing

Two owner-operators plus three part-time baristas across dayparts. Labor scales with the rush, not the lease.

Ember & Oak CoffeeConfidential — Page 6
06

Financial Plan

The numbers

Conservative single-café assumptions — 7 days a week, 205 tickets a day at a $6.50 average check, 51 weeks. Every figure below holds even if we miss plan by 15%.

Startup costs & use of funds
ItemAmount
Build-out, counter & seating$54,000
5-kilo roaster & ventilation$28,000
Espresso machine & grinders$22,000
Permits, licensing & insurance$6,500
Opening inventory (green + retail)$6,500
Working capital (90-day runway)$18,000
Total$135,000

Funded by $80,000 owner equity + $55,000 SBA microloan.

Unit economics — per day
LinePer day
Sales 205 tickets × $6.50$1,333
Cost of goods 22%($293)
Labor baristas + roasting($420)
Rent, utilities & insurance($265)
Contribution$355

~27% contribution margin per day covers fixed costs and reaches break-even in the eleventh month.

Three-year revenue projection
YR 1
$486,000
YR 2
$672,000
YR 3
$884,000 · wholesale scale

Year-2 growth comes from a maturing regular base and the bean subscription; Year 3 adds wholesale roasting volume — funded from operating cash, not new debt.

Ember & Oak CoffeeConfidential — Page 7
07

The Ask

Pull the shot

Ember & Oak is a focused, operator-led café opening into a neighborhood that just lost two of its own. The capital below is the only thing between a finished plan and a full room on Alberta Street.

Milestones to break-even
Mo. 0
Build & install

Lease signed, room built out, roaster and espresso bar installed and permitted.

Mo. 1
Doors open

Bar live seven mornings; loyalty program and retail shelf launched.

Mo. 11
Break-even

Cash-flow positive; SBA repayment running on the standard schedule.

Yr 3
Wholesale scale

Roasting volume grows the wholesale book — expansion without new debt.

Bottom line

Break-even in year one's eleventh month, debt-light by year three.

The plan reaches break-even in month eleven, repays the SBA microloan from contribution margin alone, and self-funds the wholesale build. The $55,000 doesn't buy a gamble — it buys the room a neighborhood is already missing.

$55,000 · Let's open.
Prepared by
Nora & Eli Hartman · Founders
Ember & Oak Coffee · Portland, OR
[email protected] · (503) 555‑0188
Ember & Oak Coffee · Nora & Eli HartmanConfidential — Page 8