Peach Car Doctor — Financial Model

Back of napkin

Adjust the key numbers. P&L updates live on the right. Use this to stress-test an idea before diving into the full model.

Demand

Customers per day

Average order value — KES

KES 1,800

Days open per month

Costs

Fixed staff costs per month — KES

Fixed overheads (rent, insurance, etc.) — KES

Variable cost per customer — KES

One-time setup cost — KES (for payback calc)

Live P&L

Updates as you move any slider or edit a field

Revenue Costs

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Monthly net profit

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—% net margin

Monthly revenue

—

Monthly costs

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Break-even / day

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Setup payback

—

months to recover capex

Gross margin per customer

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Gross margin %

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Adjust the sliders to see your P&L.

Peach Car Doctor · Pilot Site

Forecourt Vehicle Diagnostics

A rapid diagnostic kiosk at petrol station forecourts — offering branded vehicle health checks while drivers stop for fuel. Profitable on its own terms and designed to scale across Nairobi as an own-operated network.

Monthly Revenue

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Net Profit

—

Break-even Util.

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Driver stops for fuel

The kiosk sits 3–4 bays from the pump on the forecourt. No extra trip, no appointment needed — Peach is already where the customer is stopping.

Choose a health check

From a 5-minute KES 1,000 OBD scan to a 15-minute KES 4,000 deep check with paint thickness gauge, underbody camera, battery CCA test and more.

WhatsApp report delivered

A branded, traffic-light scored report lands on the customer's phone before they leave. Shareable, trustworthy, and creates a natural referral loop.

Why this works

The structural advantages

📍

Zero customer acquisition cost

Customers are already at the forecourt — footfall is free. No paid marketing needed to drive traffic to the kiosk.

⏱️

Fits the fuelling window

5–15 minute service fits naturally in the time a driver is already stopped. No waiting room, no appointment overhead.

🔧

Junior tech operable

OBD scanning and standard checks require no senior mechanic. Low labour cost structure and easy to replicate across sites.

📊

Data moat from day one

Every scan builds a local vehicle health dataset — proprietary intelligence that compounds in value as the network grows.

Site Details

Luqman Mall · Gitanga Road, Lavington

Location typePetrol station forecourt

Bays leased5 parking spots

Active service bays2

Distance to main garage~1km

Target customerJapan import owners, Gitanga Rd

Monthly leaseKES 150,000

Live Snapshot

Updates as you change assumptions across all tabs

Monthly Revenue

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at current utilisation

Monthly Costs

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all-in incl. amortisation

Net Profit

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per month

Break-even Util.

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% capacity needed

Total Setup Investment

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one-time capital required

Monthly Amortisation

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equipment cost spread over useful life

Equipment

Diagnostic and service tools. Edit cost, quantity, or useful life — amortisation updates automatically.

Item	Unit Cost (KES)	Qty	Life (yrs)	Total	Monthly Amort.

Setup & Infrastructure

One-time costs for signage, fit-out, uniforms and training. Not amortised — full cost in the setup total above.

Item	Cost (KES)

Total Monthly Costs

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Staff Costs

—

all roles combined

Rent + Amortisation

—

fixed monthly floor

Variable / Other

—

consumables, mktg, misc

Staff

Monthly salary per role

Role	Count	Salary (KES)	Total/mo
Total staff cost			—

Monthly Overheads

All fixed and semi-variable costs — edit any line

Item	Amount (KES)

Working Capital & Cash Runway

How much cash Peach needs before the kiosk reaches steady-state profitability — covers setup plus any early losses during ramp-up

Setup investment (one-time)—

Ramp-up period (months to full utilisation)

Average utilisation during ramp %

Monthly deficit during ramp—

Total working capital needed —

Profit trajectory — first 6 months

Green bars = profitable months. Red = deficit. Months 1–4 use the lower ramp utilisation rate; thereafter steady-state kicks in.

VAT — Kenya Revenue Authority (16%)

Toggle ON if your prices are VAT-inclusive. Net revenue = quoted price ÷ 1.16. Reduces effective margin by ~13.8%.

Off

ℹ️Customer Mix % shows how your customers split across tiers. Active tier mixes are automatically normalised to 100% in revenue calculations — adjusting one tier proportionally scales the others, or you can set them manually here.

Add-on Services

Sold on top of any tier. Frequency = estimated % of all customers who take up each add-on.

Service	Price (KES)	Take-up rate	Active

Referral Revenue

% of kiosk customers who subsequently book a full Peach inspection at the main garage. Toggle on to include in revenue projections.

Capacity Assumptions

Bays and hours reflect fixed site decisions. Utilisation and days are the key operational levers.

Active bays

Hours open / day

Utilisation %

40%

Days open / month

Weekend traffic uplift %

+0%

Cars / Day

—

at current utilisation

Revenue / Day

—

Revenue / Technician

—

per month

Revenue / Bay

—

per month

Monthly P&L

Revenue, costs and net profit

Revenue by Tier

Customer mix breakdown

Utilisation Sensitivity

Monthly net profit across the full range of utilisation rates

Tier 2 Price × Utilisation — Net Profit Grid

How net profit changes as Tier 2 "Road Ready" price and site utilisation vary together. Green = profitable, red = loss. All other inputs held constant.

Per-Tier Price Sensitivity

Impact on monthly net profit when each tier's price shifts ±20%. Other tiers and utilisation remain constant. Centre column is current baseline.

🚀All sites are Peach-owned and operated — 100% of economics stay in-house. This tab answers three questions: how much capital do you need to deploy, when does the network start funding its own growth, and how fast does it then compound?

Per-site profit / month

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Steady-state at current utilisation

Setup capex per site

—

Equipment + infrastructure

Months to self-fund site 2

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From site 1 profits alone

Sites to cover central OH

—

Break-even at network level

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Central Overhead

Network-level costs that exist once, regardless of site count

Ops / network manager

Tech / IT / platform

Central marketing

Capital Deployment

How much can Peach deploy upfront before relying on reinvested profits?

Initial capital available (KES)

Sites opened with initial capital

—

Self-Funding Expansion Timeline

Each dot = a new site opening. After the initial capital is deployed, every subsequent site is funded entirely from network profits — no external capital needed.

Site #	Opens at month	Network profit at that point	Months to fund the next site	Annualised network revenue

Network Profit & Margin at Scale

Bars = monthly network profit. Line = net margin %. Margin improves as central overhead dilutes across more sites.

Full Rollout Metrics

Capital required, profit, and payback at each scale point

Sites	Gross Revenue / mo	Total Site Costs	Central OH	Net Profit / mo	Margin	Capex to Deploy	Payback