Cash Balance · Jun 30
$16,087
Avg Weekly Gross Burn (latest 5-wk moving avg)
$4,879
Runway (gross basis)
3.30 wks
Cash Balance (week-end)
5-wk Moving-Avg Gross Burn (latest $4,879/wk)
Runway (wks, right axis)
ⓘ The red line is a trailing 5-week moving average of gross weekly burn — each week uses that week plus the prior four, so it moves week to week (latest = $4,879/wk). Runway (per week) = that week's cash ÷ its own moving-average burn. Gross basis — cash outflows only (QBO acct 1010 Pinnacle CHK), excludes inflows. Chart shows the 5 most-recent full weeks (May 31 → Jun 28). A large inflow on Jun 29–30 lifted the balance to $16,087 by Jun 30, above the Jun 28 week-end of $14,559.
June 2026 · Cash as of Jun 30 · DTC + Wholesale
Trading Performance · DTC + Wholesale
Net Revenue
$25,425
DTC $3,092 + Wholesale $22,333
88% from wholesale · DTC −61% MoM
Contribution Margin
$20,157 79.3%
After all direct costs — DTC + Wholesale
DTC 72.5% · Wholesale 80.2% (Faire 70.8%, B2B 82.7%)
Debt Service Coverage
0.08×
Net income (CM $20,157 − est. $20K OpEx) ÷ $2,003/mo fixed debt service
Floor: 1.25× ↓ below floor — net income ≈ $157
Debt Service
Fixed Monthly Debt Service
$2,003/mo
EIDL $1,011 + LOC $400 + Elan $592 · Capital One varies
Priority Payoff
Capital One
Highest rate at 20.49% APR — pay down first (Elan is 0%)
Monthly Debt Service by Facility
| Facility | Rate | Monthly Payment | Notes |
|---|---|---|---|
| EIDL | — | $1,011/mo | SBA long-term loan |
| Line of Credit | — | $400/mo | Revolving |
| Capital One Card 20.49% APR | 20.49% | varies | Paid down aggressively as cash allows — priority payoff |
| Elan Card 0% APR | 0% | $592/mo | Interest-free |
| Total fixed | — | $2,003/mo* | Excludes variable Capital One |
ⓘ *Fixed contractual monthly debt service — the figure used in the DSCR above. Capital One is paid down variably as cash allows. Outstanding balances change between statements and aren't shown here (no current balance sheet on file); this view tracks the recurring payment obligation only. Capital One carries the highest rate and is the logical priority payoff; Elan is interest-free.
H2 2026 Sales Goals · Owner-provided
H2 2026 Sales Target — 2025 baseline + 10–20% growth band D2C + Wholesale
D2C · Retail (2025 actual)
Wholesale (2025 actual)
2026 target band (+10% → +20% YoY)
ⓘ Stacked bars = 2025 H2 actual sales by channel (the baseline the 2026 goal grows from). Shaded green band = the combined 2026 target at +10% to +20% YoY (owner's scenarios span 10–40%). Seasonality is real: July is the wholesale peak (~$70K, Faire summer market) and November the retail peak (~$38K, Black Friday). Several months run below 2024, so growth targets are aspirational. Contribution-margin target remains an estimate (~65% industry; the business currently runs higher) — the owner provided sales goals only.
Store Performance · DTC
Sessions
4,553
Jun · DTC online store ▲ 2.8× vs May
Conversion Rate
0.37%
Jun · 17 completed checkouts ÷ 4,553 sessions
AOV · June
$35.13
DTC Net Revenue ÷ 88 DTC orders
COGS from Craftybase (Order Material Total) — several June orders have $0 cost entered (27 DTC, 2 Faire, 7 B2B), so margins may be slightly overstated. Conversion rate = completed checkouts ÷ sessions (17 ÷ 4,553); the session surge with few completed checkouts suggests non-converting/campaign traffic and warrants review. Debt service = actual $2,003/mo fixed (EIDL $1,011 + LOC $400 + Elan $592; Capital One paid down variably). OpEx is still an assumed $20,000/mo placeholder pending a full P&L — it already absorbs the minimal $6,000/mo owner/manager comp. Figures balance to ±$1 from rounding.
DTC Performance · June 2026 · Shopify · 88 Orders
Net Revenue · June
$3,092
After discounts + shipping income
Contribution Margin · June
$2,243 72.5%
After COGS, fulfillment & merchant fees
AOV · June
$35.13
Net Revenue ÷ 88 DTC orders
DTC Revenue Flow — June 2026
ⓘ Every node shows its dollar figure and share of gross sales. Contribution margin sits at the bottom, after product COGS, fulfillment and merchant fees.
DTC = Shopify online-store orders (
#13xxx). Gross $3,993 (product $3,886 + shipping $107) − discounts/returns $901 = net revenue $3,092. Direct costs: COGS $561, fulfillment $148 (shipping labels), merchant fees $140 (Shopify payouts).
Wholesale Gross Sales · June
$24,654
Faire $4,967 + B2B $19,687 (incl. shipping)
Wholesale Net Revenue · June
$22,333
After discounts $281 & returns $2,040
Contribution Margin · June
$17,914 80.2%
After platform fees, merchant fees, COGS & fulfillment
Faire · June
$4,686 net
8 orders · CM $3,319 (70.8%) · platform fees $501
B2B (Shopify wholesale) · June
$17,647 net
21 orders · CM $14,595 (82.7%) · returns $2,040
Wholesale Revenue Flow — June 2026 Faire + B2B
ⓘ Every node shows its dollar figure and share of gross sales. Returns are a separate node. Contribution margin sits at the bottom, after platform fees, merchant fees, COGS and fulfillment.
Faire economics from the Faire Order Details export (item subtotal, promo, commission + processing fee, shipping reimbursement, label cost). B2B = Shopify wholesale orders (
#2xxx); merchant fees estimated at 3.35% of B2B net revenue (no B2B payout export). B2B carried ~$2,040 of product returns in June, shown as its own node in the Sankey above. COGS from Craftybase — Olive & Lavender / Southern Brim-type items and several B2B orders still missing cost data, so wholesale CM may be slightly lower.
On a net-income basis, June did not cover debt service. Contribution margin of $20,157 barely covers the assumed $20,000/mo operating expense — which already includes minimal owner/manager pay of just $6,000/mo (Emily $2,000 + Treston $4,000) — leaving ~$157 against $2,003/mo of fixed debt service, a DSCR of 0.08× (well under the 1.25× floor). Owner reimbursements are already cut to preserve cash, so there is little discretionary burn left to trim; coverage has to come from higher sales/margin.
Wholesale is carrying the business. Wholesale delivered 88% of net revenue and 89% of contribution margin. DTC net revenue fell to $3,092 (from $7,931 in May) despite sessions tripling to 4,553 — a conversion collapse worth investigating (campaign traffic or bot spike; see DTC tab).