A value-fashion operator planning a phased rollout from 6 to 23 stores across 3 GCC markets — consolidated portfolio P&L.
An established value-fashion retailer with 6 existing stores wanted to raise mezzanine finance to roll out 17 additional stores over 18 months. They needed a consolidated portfolio P&L — not 17 separate spreadsheets.
Each existing store had its own sheet. A mezzanine lender needed a consolidated view with inter-store synergies (central buying, shared marketing) baked in.
Tier-2 cities in Oman and western KSA had a clear gap in value fashion — competitor analysis showed no national chain with sub-AED 80 ticket.
A 5-step repeatable process — from brief to investor-ready pack, powered by AI across financial modelling, market sizing & narrative writing.
Merged the 6 existing-store sheets into one model — normalised COA, exposed which stores were carrying the average.
Waterfall across 18 months — 2 stores/month in UAE, 1/month in Oman, 3 in western KSA. CapEx tuned to cashflow profile.
Shared warehouse, central buying team, group marketing budget, IT stack — allocated per store in the consolidated P&L.
Mezzanine tranche structured as 18-month draw, 5-year repay. Debt service coverage ratio stays above 1.4x across all scenarios.
20-page investor memo, full Excel model with 8 sensitivity levers, plus a populated Google Drive data room with all supporting docs.
Each row is a finished tab, slide or one-pager handed to the client — ready to share with lenders, investors or JV partners.
One-page investor-ready narrative
Revenue, COGS, opex, EBITDA by month
Month-by-month to break-even point
Fit-out, equipment, licensing & launch
Store-by-store phasing gantt
Shared services split by store
Best/base/worst case with levers
20-page investor narrative
Mezzanine lender issued a term sheet within 3 weeks of receiving the memo. Rollout is currently at month 8 with 9 of the 17 stores open.
The consolidated view was the unlock — previous attempts to raise had stalled because lenders couldn't see portfolio economics.
Real store-opening cadence matches the phasing plan within 2 weeks tolerance — the model is being used live for cash management.
Feasibility studies, investor pitches, P&L models & market sizing — built with AI in 48 hours, reviewed by 37+ years of GCC retail experience.
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