Financials
Three-year forecast
An illustrative planning model in Tanzanian shillings. Every number rests on the assumptions below and should be tested during the pilot.
Year 1
25 venuesRevenueTZS 27.8M
CostsTZS 83.5M
TZS -55.7M
EBITDA
Year 2
120 venuesRevenueTZS 156.7M
CostsTZS 145.9M
TZS 10.8M
EBITDA
Year 3
400 venuesRevenueTZS 571.2M
CostsTZS 298.7M
TZS 272.5M
EBITDA
| Line item | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Subscriptions | TZS 14.4M | TZS 84M | TZS 312M |
| Payment fees | TZS 8.6M | TZS 50.4M | TZS 187.2M |
| Onboarding fees | TZS 3.8M | TZS 14.3M | TZS 42M |
| Add-ons & hardware | TZS 1M | TZS 8M | TZS 30M |
| Total revenue | TZS 27.8M | TZS 156.7M | TZS 571.2M |
| Team & salaries | TZS 36M | TZS 60M | TZS 120M |
| Hosting & software | TZS 18M | TZS 24M | TZS 36M |
| Marketing & promotion | TZS 20M | TZS 30M | TZS 50M |
| Sales commissions (10%) | TZS 2.8M | TZS 15.7M | TZS 57.1M |
| Payment & SMS operations | TZS 0.7M | TZS 4.2M | TZS 15.6M |
| Admin, office & legal | TZS 6M | TZS 12M | TZS 20M |
| Total operating costs | TZS 83.5M | TZS 145.9M | TZS 298.7M |
| EBITDA | TZS -55.7M | TZS 10.8M | TZS 272.5M |
Startup costs
- Development — production web app, PWA & adminTZS 50M
- Hosting — full first year, backups & securityTZS 18M
- Branding — identity, collateral, QR table cardsTZS 2M
- Promotion — launch event & pilot venue incentivesTZS 6M
- Marketing — field sales, social & referralsTZS 12M
- Monetization — payment gateway, wallet & bank integrationTZS 10M
- TotalTZS 98M
Break-even assumptions
- Subscription: TZS 100,000 per venue per month.
- Digital payments per venue: TZS 6M/month at a 1% fee.
- Revenue per venue: TZS 160,000/month; contribution after commission and running costs ≈ TZS 131,000.
- Fixed monthly costs at Year-3 scale ≈ TZS 18.8M.
- Break-even at ≈ 144 active venues, expected Month 20–24.
- Onboarding fee TZS 150,000 per new venue; 10% sales commission on revenue.