# financials

Updated: 2026-10-30

# Ownbox | Three-year cash operating forecast
**Version:** v6 management BASE case, updated 2026-10-29  
**Forecast period:** November 2026–October 2029  
**Scope:** Cash receipts and operating cash outflows; **not a GAAP income statement, audited forecast or valuation opinion**.

## Annual base case
| Measure | Year 1 | Year 2 | Year 3 |
| --- | ---: | ---: | ---: |
| Customer cash collections | $1,644,304 | $7,394,884 | $23,635,780 |
| Operating cash flow before financing | ($112,759) | $1,186,021 | $5,456,440 |
| New Core + Pro customers | 1,144 | 4,143 | 12,760 |
| New enterprise department contracts (targets) | 8 | 42 | 75 |
| Enterprise cash collections | $108,722 | $753,713 | $1,752,181 |

The model forecasts about **$7.53 million** of closing cash at the end of Year 3 **including** a full **$1 million SAFE raise**, assumed to be received in the first three forecast months. The fundraiser has **not been presented here as completed or committed**.

## Stress tests: assumptions change the outcome
| Scenario | Year 1 collections | Year 2 collections | Year 3 collections | Year 3 ending cash |
| --- | ---: | ---: | ---: | ---: |
| Downside | $1,026,705 | $4,471,796 | $14,038,479 | **($585,171)** |
| Base | $1,644,304 | $7,394,884 | $23,635,780 | $7,529,703 |
| Upside | $2,005,661 | $9,356,495 | $29,887,561 | $11,790,492 |

In the downside sensitivity, lowest monthly projected cash is approximately **($1,513,382)** even **after** assumed SAFE receipts; that means a need for cost reductions, extra capital or other changes. All scenarios are illustrations, not probability-weighted outcomes.

## Principal unvalidated inputs
- 45 Core/Pro sales in month 1 and sustained monthly growth thereafter.
- 70% of consumer sales through agencies/partners (agency commission assumptions applied conservatively).
- 70% conversion to paid Managed Support after the first 90 days.
- First enterprise department sale targeted for **April 2027**; 8/42/75 new enterprise wins in Years 1/2/3.
- Operating budget allocations, hosting, enterprise implementation and selling costs are estimates needing invoice-level validation.

## Download and verify
- [Public financial model workbook](https://bmacbuilds.ownbox.app/kb/public/raise/downloads/Ownbox_Investor_Financial_Summary.xlsx) — 36 months with underlying inputs and calculated rollups.
- [Annual projection CSV](https://bmacbuilds.ownbox.app/kb/public/raise/downloads/annual-projections.csv)
- [Scenario comparison CSV](https://bmacbuilds.ownbox.app/kb/public/raise/downloads/scenario-comparison.csv)
- [Detailed assumptions](https://bmacbuilds.ownbox.app/kb/public/raise/financial-assumptions.md)
- [Risk register](https://bmacbuilds.ownbox.app/kb/public/raise/risks.md)

## Accounting note
Cash collections from advance payments may not be recognizable as revenue at collection. The model excludes a complete GAAP accrual P&L, balance sheet, detailed taxes and working-capital reconciliation. Before institutional diligence, management should prepare formal reconciled statements and document evidence behind key assumptions.