Executive Summary — Frames the concept, locations, and positioning in lender language, then shows how capital becomes revenue through inventory turns, seasonal promotions, and memberships. Summarizes opening buy, staffing rhythm, and cash-flow timing. Highlights use-of-funds and repayment context without hype. Ends with milestones (lease, buildout, first allocation, grand opening) so a banker can scan and say “this tracks.”

Market Overview — Identifies core segments (parents, gift-givers, collectors, educators) and local demand patterns. Maps nearby competition and shows how demos, events, and pickup/delivery differentiate. Justifies pricing with margin ranges by category and expected turns. Lays out a simple trade area and seasonal calendar lenders recognize. It reads realistic, not rosy.

Products & Pricing — Presents a tidy offer ladder: evergreen lines (LEGO, classic games), rotating features (STEM kits, collectibles), and impulse (party favors, cards, wrap). Connects price to contribution margin and inventory days-on-hand. Explains preorder allocations and rain-checks for Q4. Shows how bundles and memberships lift AOV while keeping markdown risk controlled.

Operations & Staffing — Describes opening/closing routines, receiving, security, and floor moves tied to weekly promotions. Schedules staff for demos and checkout speed, with cross-training to reduce shrink and overtime. Includes click-and-collect and shipping SOPs. Uses simple targets (lines per hour, UPT, demo conversions) to keep service consistent.

Marketing & Sales — A weekly rhythm: birthday club, email/SMS features, influencer UGC, school partnerships, and map-pack/local SEO. Puts reviews on a cadence and builds an event engine (demo days, VIP previews) that smooths traffic. Tracks basic KPIs (traffic, conversion, AOV, repeat rate) and reinvests where ROI is visible.

Management & KPIs — Clarifies owner/buyer roles, cash controls, and vendor term discipline. Uses a compact KPI set—inventory turns, contribution margin, cash runway, staff productivity—so decisions happen before issues grow. Assigns a simple dashboard and meeting cadence so accountability sticks.

Financial Model — A transparent 36-month model that ties assumptions to results: revenue by category, COGS, labor, rent, and seasonal working capital. Shows break-even, cash-flow troughs, and DSCR context. Exports a lender-friendly PDF with clear charts. Easy to tweak when allocations, rent, or hours change.