{{ ref_label | default: "SBA 7(a) Loan Request" }}
{{ ref_file | default: "File Ref. AO-7A-2026-0114" }}
{{ ref_prepared | default: "Prepared: January 14, 2026" }}
{{ ref_conf | default: "Confidential Business Plan" }}

{{ cover_kicker | default: "Business Plan & Financing Request" }}

{{ company_name | default: "Anchor & Oak" }}{{ company_sub | default: "Coffee Roasters, LLC — Second Location, Richmond, VA" }}

{{ cf3_value | default: "Commonwealth National Bank, SBA Lending Div." }}

{{ runhead_left | default: "Anchor & Oak Coffee Roasters, LLC" }}{{ runhead_ref | default: "SBA 7(a) · File AO-7A-2026-0114" }}

Executive Summary

{{ exec_lead | default: "Anchor & Oak Coffee Roasters is a profitable, four-year-old specialty coffee roaster and café in Richmond, Virginia, requesting an SBA 7(a) term loan of $185,000 to open a second location in the city's growing Scott's Addition district." }}

{{ exec_body | default: "The borrower has operated its flagship café and wholesale roasting line since 2022, generating $742,000 in trailing-twelve-month revenue with a 14.8% net operating margin. The requested financing funds a build-out of an established second storefront, equipment, and working capital. Projected debt-service coverage in Year 1 is 1.42×, comfortably above the SBA's 1.15× threshold, and is secured by business assets plus a personal guaranty from the principal." }}

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{% endfor %}

{{ exec_box1_body | default: "A&O roasts single-origin and blended coffee in-house, supplying its own café plus 14 wholesale accounts across the Richmond metro. The existing location operates at 92% of seating capacity during weekday mornings, and wholesale demand exceeds current roasting throughput — the constraint this expansion relieves." }}

{{ t.lead }} — {{ t.body }}

{{ exec_callout_headline | default: "$185,000 SBA 7(a) term loan to fund the Scott's Addition location." }}

{{ exec_callout_body | default: "Combined with a $48,000 owner equity injection, total project cost is $233,000. The loan amortizes over ten years; existing-business cash flow alone covers debt service before the new location contributes a single dollar." }}

{{ foot_company | default: "Anchor & Oak Coffee Roasters, LLC" }}Confidential — Page 2

{{ runhead_left | default: "Anchor & Oak Coffee Roasters, LLC" }}{{ runhead_ref | default: "SBA 7(a) · File AO-7A-2026-0114" }}

Business Overview

{{ overview_lead | default: "Anchor & Oak operates a dual revenue model — a retail café and an in-house roasting line serving regional wholesale accounts — that has compounded steadily since opening in March 2022." }}

{{ overview_box1_body | default: "The flagship at 2104 W. Main Street pairs a 28-seat café with a 12-kilo Loring roaster. Café sales (espresso, drip, pastry, light food) account for roughly 58% of revenue; wholesale bean sales to cafés, restaurants, and two local grocers account for the remaining 42%. Beans are sourced through direct-trade importers and roasted to order, which supports premium pricing and repeat wholesale contracts." }}

{{ overview_box2_body | default: "Opened March 2022 with $96,000 of owner capital and a $60,000 retired bank line. The original note was paid in full in 2025. The business has been cash-flow positive since month 7 and has grown revenue from $311K (2022) to a trailing-twelve-month $742K, with no outstanding long-term debt at the time of this request." }}

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{{ t.lead }} — {{ t.body }}

{{ ttm_label | default: "Trailing-twelve-month performance summary" }}

{% for r in ttm_lines %}

{{ r.item }}{% if r.sub %} {{ r.sub }}{% endif %}{{ r.pct }}{{ r.amount }}

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{{ foot_company | default: "Anchor & Oak Coffee Roasters, LLC" }}Confidential — Page 3

{{ runhead_left | default: "Anchor & Oak Coffee Roasters, LLC" }}{{ runhead_ref | default: "SBA 7(a) · File AO-7A-2026-0114" }}

Market Analysis

{{ market_lead | default: "The specialty coffee segment continues to outpace the broader coffee category, and Richmond's Scott's Addition has become the region's fastest-growing mixed-use district — a defensible demand base for a second location." }}

{% for m in market_metrics %}

{% endfor %}

{{ market_box1_body1 | default: "Scott's Addition added more than 3,400 residential units and 40-plus food, beverage, and brewery tenants between 2020 and 2025, with daytime population swelling from office and creative-sector employers. The district currently has only two specialty coffee operators against an estimated daily demand of 1,900+ premium coffee transactions — a gap A&O's brand recognition is well positioned to close." }}

{{ market_box1_body2 | default: "The existing customer base skews 25–44, professional, and repeat: 61% of café revenue comes from members of the loyalty program, indicating durable, recurring demand rather than foot-traffic dependence." }}

{{ t.lead }} — {{ t.body }}

{{ seasonality_body | default: "Café revenue varies ±9% seasonally; wholesale (42% of revenue) is contracted and stable, smoothing cash flow across the loan term." }}

{{ foot_company | default: "Anchor & Oak Coffee Roasters, LLC" }}Confidential — Page 4

{{ runhead_left | default: "Anchor & Oak Coffee Roasters, LLC" }}{{ runhead_ref | default: "SBA 7(a) · File AO-7A-2026-0114" }}

Management & Competitive Position

{{ mgmt_intro | default: "The business is led by an owner-operator with direct industry experience and a tenured management bench — a primary mitigant against the operational risk of running two locations." }}

{{ t.lead }} {{ t.body }}

{{ mgmt_box2_label | default: "Why the bench de-risks the loan" }}

{{ mgmt_box2_body | default: "Both senior managers have been retained through prior growth and have signed two-year continuity agreements. A documented opening playbook from the 2022 launch is in place, shortening the new-site ramp and protecting cash flow during the build-out period the loan funds." }}

{{ comp_label | default: "Competitive position — Scott's Addition" }}

{{ comp_col1 | default: "Operator" }}{{ comp_col2 | default: "Roasts" }}{{ comp_col3 | default: "Wholesale" }}{{ comp_col4 | default: "Seats" }}{{ comp_col5 | default: "Tenure" }}

{% for c in competitors %}

{{ c.name }}{% if c.note %} {{ c.note }}{% endif %}{{ c.v2 }}{{ c.v3 }}{{ c.v4 }}{{ c.v5 }}

{% endfor %}

{{ comp_you_name | default: "Anchor & Oak (proposed)" }}{{ comp_you_v2 | default: "Yes" }}{{ comp_you_v3 | default: "Yes" }}{{ comp_you_v4 | default: "30" }}{{ comp_you_v5 | default: "4 yr" }}

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{{ r.mit_pre }} {{ r.mit_bold }}

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{{ foot_company | default: "Anchor & Oak Coffee Roasters, LLC" }}Confidential — Page 5

{{ runhead_left | default: "Anchor & Oak Coffee Roasters, LLC" }}{{ runhead_ref | default: "SBA 7(a) · File AO-7A-2026-0114" }}

Use of Proceeds & Operations

{{ proceeds_lead | default: "Loan proceeds are allocated to one-time, asset-building expenditures for the Scott's Addition location, with a working-capital reserve to fund operations through ramp-up." }}

{{ proceeds_col1 | default: "Category" }}{{ proceeds_col2 | default: "% of loan" }}{{ proceeds_col3 | default: "Amount" }}

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{% endfor %}

{{ proceeds_note | default: "Plus $48,000 owner equity toward security deposit, contingency, and pre-opening payroll. Total project: $233,000." }}

{{ ops_body | default: "The new location mirrors the proven flagship model. The existing 12-kilo roaster is reaching capacity; the new equipment doubles roasting throughput, clearing the wholesale backlog and supplying both cafés from a single production schedule." }}

{{ t.lead }} — {{ t.body }}

{% for c in ops_readiness %}

{% endfor %}

{{ foot_company | default: "Anchor & Oak Coffee Roasters, LLC" }}Confidential — Page 6

{{ runhead_left | default: "Anchor & Oak Coffee Roasters, LLC" }}{{ runhead_ref | default: "SBA 7(a) · File AO-7A-2026-0114" }}

Financial Plan & Repayment

{{ fin_lead | default: "Projections use conservative assumptions — the new location reaches only 70% of flagship revenue by Year 2 — yet consolidated figures clear the SBA's coverage threshold in every year." }}

{{ proj_label | default: "Consolidated projection & debt service" }}

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{% for r in collateral %}

{{ r.asset }}{% if r.sub %} {{ r.sub }}{% endif %}{{ r.value }}

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{{ collateral_note | default: "Secured by a first-position UCC-1 lien on all business assets and a full personal guaranty from the principal. Collateral coverage: 1.23× the loan." }}

{% for b in projection %}

{% endfor %}

{{ revproj_note | default: "Year-3 growth is driven by wholesale capacity, not new debt or additional locations. DSCR rises to 1.92× by Year 2 as the new site matures." }}

{{ foot_company | default: "Anchor & Oak Coffee Roasters, LLC" }}Confidential — Page 7

{{ runhead_left | default: "Anchor & Oak Coffee Roasters, LLC" }}{{ runhead_ref | default: "SBA 7(a) · File AO-7A-2026-0114" }}

The Request

{{ close_lead | default: "Anchor & Oak presents a profitable operating history, conservative projections, sufficient collateral, and an owner equity injection — the profile of a low-risk SBA 7(a) borrower expanding from strength." }}

{% for s in milestones %}

{% endfor %}

{{ close_callout_label | default: "Bottom line — ability to repay" }}

{{ close_callout_headline | default: "The existing business alone services this debt; the expansion is upside." }}

{{ close_callout_body | default: "Trailing cash flow covers the new obligation at 1.42× before the second location contributes a dollar. Secured by all business assets, a full personal guaranty, and a $48,000 owner equity injection, this is a conservative, collateralized request from a proven operator." }}

{{ sign_title | default: "Founder & Managing Member · Personal Guarantor" }}

{{ contact_line1 | default: "Anchor & Oak Coffee Roasters, LLC" }}
{{ contact_line2 | default: "2104 W. Main Street · Richmond, VA 23220" }}
{{ contact_line3 | default: "[email protected] · (804) 555‑0173" }}

{{ foot_signoff | default: "Anchor & Oak Coffee Roasters, LLC · Elena M. Hartwell" }}Confidential — Page 8