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Rolling Beans
Business Plan and Cashflow Forecast
14 August 2026

1. Business Details

Rolling Beans is a mobile coffee cart business operating within the Whangarei region of Northland, New Zealand. The business specialises in barista-crafted espresso beverages served directly at markets and community events, bringing quality coffee to customers at the point of their activity rather than requiring them to seek it out. Rolling Beans is established as a sole trader, with trading commencing from August 2026, and operates an online presence through its website as well as Facebook and Instagram.

The business is owned and operated by Paula Bean, who identified the opportunity after attending the Whangarei Growers Market and observing that no coffee vendor was present to serve the regular flow of shoppers. That direct observation of an unmet need forms the foundation of the business concept. Paula operates the business on a part-time basis, managing all aspects of the operation from equipment setup and barista service through to marketing and customer engagement. Rolling Beans meets all relevant legal obligations applicable to a mobile food and beverage vendor in New Zealand.

2. Market & Customers

The addressable market for Rolling Beans is best understood at a local rather than national level. While New Zealand’s broader coffee industry is substantial, Rolling Beans is a single-operator mobile cart, and its realistic market is the weekly foot traffic attending Whangarei’s established markets, particularly the Whangarei Growers Market. Based on conservative estimates of 150 to 250 cups sold per market day at current specialty coffee price points, a consistent market presence across the year could realistically generate between $40,000 and $70,000 in annual revenue, with additional upside from private and corporate catering events. That is the scale this business can genuinely serve at its current stage and structure.

Rolling Beans operates in a competitive environment that includes several credible alternatives. Caffeine Whangarei is a well-regarded CBD café with an established customer base and a reputation for consistent espresso quality, and those are genuine strengths that reflect real loyalty built over time. Night market food and beverage vendors bring experience in outdoor trading and an existing rapport with recurring crowds, which is not easily replicated by a new entrant. Supermarket café kiosks benefit from high habitual foot traffic and price accessibility that appeal to a broad range of shoppers. Even the simple habit of arriving at the market with a travel mug from home represents a form of competition, as it requires no spending and no waiting.

Where Rolling Beans can realistically compete is in the specific gap none of those alternatives fill: delivering a freshly crafted barista coffee to someone already engaged in their market visit. Fixed-location cafés require customers to leave. Supermarket kiosks rarely offer genuine craft quality. Home flasks cannot replicate a freshly pulled espresso. Rolling Beans positions itself precisely at that intersection of convenience and quality.

3. Vision & Position

Vision

By 2027, Rolling Beans will be the most popular mobile coffee cart among Whangarei coffee lovers, recognised for bringing genuinely crafted espresso directly to the people who want it most.

Position Statement

For people who need a great coffee while shopping, Rolling Beans is a superior barista experience that will satisfy any caffeine fix — available right where customers already are, without requiring them to leave the market or compromise on quality.

Values

  • Quality and freshness in every cup served
  • Value for money that respects the customer
  • Convenience that meets people where they are

4. Goals & Achieving Them

Goal 1: Secure exclusive vendor status with market organisers by end of Q2

Paula will research and contact the Whangarei Growers Market organisers directly to request a formal meeting, presenting a compelling vendor proposal that highlights Rolling Beans’ unique value to shoppers and the benefit of an exclusive arrangement. A professional pitch using tools like Canva or Google Slides will showcase the brand, equipment setup, and a fee or revenue-sharing structure designed to make the agreement attractive to organisers. A small budget of $200–$500 for branding materials and a trial market day will support the pitch, and engaging a local business advisor experienced in vendor negotiations could strengthen the outcome considerably.

Goal 2: Launch a loyalty stamp card within 30 days targeting 40% repeat customer conversion

A simple double-sided stamp card offering a free coffee after eight purchases will be designed, printed, and handed personally to every customer at the next market day, with a brief explanation of the reward. Redemptions will be tracked weekly to measure progress and allow adjustments if uptake is slower than expected. A budget of approximately $50–$150 for printing through a local provider and a free tracking app such as Stamp Me will keep this goal low-cost and easy to manage alongside regular trading.

Goal 3: Book six paid catering events annually to reduce weather-dependent cash flow risk

Paula will develop a simple catering pitch package — including a pricing menu, setup photos, and a one-page capabilities sheet — and reach out personally to 10–15 local Whangarei businesses, event planners, and community organisers. A limited-time introductory offer will help secure first bookings, and satisfied market customers will be encouraged to refer Rolling Beans to their workplaces. A budget of $200–$400 for printed materials and a digital portfolio will support outreach, alongside 3–5 hours per week dedicated to relationship-building through networks such as the Whangarei Chamber of Commerce.

Goal 4: Recruit and train one relief barista by month three

This goal still needs its approach and resource requirements decided more precisely before execution can begin.

Goal 5: Expand to two additional Northland markets by year end

This goal still needs its specific steps and resource requirements confirmed before outreach to additional market organisers begins.

Team & Resources

Rolling Beans currently operates as a part-time sole trader with Paula Bean as the only team member. No additional hires or formal marketing support have been confirmed at this stage. The goals collectively are projected to generate approximately 2,002 extra sales units, with no additional expenses currently estimated beyond those already planned.

5. Financial Position

12-month revenue
$41,613
Net profit
$23,997
Gross margin
75.0%
Closing balance
$29,063

Opening Position

Rolling Beans begins trading in August 2026 with an opening bank balance of $5,000, total assets of $20,000, no debt, and equity of $25,000. This is a sound starting position for a sole trader mobile operation, with no loan repayments placing pressure on early cash flow.

Forecast Overview

The 12-month forecast runs from August 2026 and projects annual revenue in the range of $40,000–$70,000, based on 150–250 cups per market day at an average of $5.50–$6.50. Revenue will build gradually across the first two to three months as Paula establishes her market presence and repeat customer base, with more consistent income expected from October onward as trading rhythm settles and catering bookings begin to contribute.

Total forecast operating expenses sit at approximately $7,212 for the year. The main cost drivers are vehicle-related costs at $3,000, communications at $1,200, and insurance at $1,200, reflecting the mobile nature of the business. Marketing spend of $1,056 is modest and appropriate for the stage of the business. Legal costs of $600 are sensibly budgeted given the vendor agreements and supplier contracts that will need reviewing during the year.

Cash Flow Pressures

The months most likely to see tighter cash are the opening two months before trading volume builds, and any weeks affected by poor weather limiting market attendance. A tax provision of $1,934 is included in the forecast, which is important to hold aside rather than treat as available operating cash.

Closing Position

With low fixed costs, no debt, and a clear path to growing revenue through additional markets and catering events, Rolling Beans is well-positioned to close its first 12 months in a positive cash position and with strengthened equity heading into 2027.

Graphs

Bar chart of units sold and monthly sales across the twelve months
Pie chart breaking down the annual expenses by category
Line chart of monthly net profit across the twelve months
Bar chart of the closing bank balance each month

12-Month Cashflow Forecast

ItemAug 26Sep 26Oct 26Nov 26Dec 26Jan 27Feb 27Mar 27Apr 27May 27Jun 27Jul 27Total
Key drivers
Units sold4474755065405776186637137678278939788,004
Avg price$5.20$5.20$5.20$5.20$5.20$5.20$5.20$5.20$5.20$5.20$5.20$5.20
Avg cost$1.30$1.30$1.30$1.30$1.30$1.30$1.30$1.30$1.30$1.30$1.30$1.30
Revenue
Products/services$2,324$2,469$2,630$2,807$3,000$3,213$3,447$3,707$3,988$4,300$4,643$5,085$41,613
Other revenue
Total revenue$2,324$2,469$2,630$2,807$3,000$3,213$3,447$3,707$3,988$4,300$4,643$5,085$41,613
Cost of sales
Cost of sales$581$617$658$702$750$803$862$927$997$1,075$1,161$1,271$10,404
Gross profit$1,743$1,852$1,972$2,105$2,250$2,410$2,585$2,780$2,991$3,225$3,482$3,814$31,209
Gross profit %75.0%75.0%75.0%75.0%75.0%75.0%75.0%75.0%75.0%75.0%75.0%75.0%75.0%
Expenses
Communications$100$100$100$100$100$100$100$100$100$100$100$100$1,200
Insurance$100$100$100$100$100$100$100$100$100$100$100$100$1,200
Legal$50$50$50$50$50$50$50$50$50$50$50$50$600
Marketing$88$88$88$88$88$88$88$88$88$88$88$88$1,056
Vehicle$250$250$250$250$250$250$250$250$250$250$250$250$3,000
Other expenses$13$13$13$13$13$13$13$13$13$13$13$13$156
Total expenses$601$601$601$601$601$601$601$601$601$601$601$601$7,212
Net profit/(loss)$1,142$1,251$1,371$1,504$1,649$1,809$1,984$2,179$2,390$2,624$2,881$3,213$23,997
Other transactions
Asset transactions$2,000$2,000
Tax payments-$359-$1,575-$1,934
Total other transactions$2,000-$359-$1,575$66
Cashflow
Net cashflow$3,142$1,251$1,012$1,504$1,649$1,809$1,984$2,179$815$2,624$2,881$3,213$24,063
Closing balance$8,142$9,393$10,405$11,909$13,558$15,367$17,351$19,530$20,345$22,969$25,850$29,063
Scroll sideways to see all twelve months.