HERMES LOGISTICS — BUSINESS HEALTH
January 2026 · 4 Months · 19 Weeks
⚡ $50K FLEET RECLASSIFIED AS STARTUP COST
overview
trend
sparkline
goals
breakeven
TRUE CASH FLOW (Jan)
($6,831)
⚡ YTD: +$40,283 ✅
Net $4,076 – SBA Principal $10,907
⚠️ JAN NEG | YTD POSITIVE AFTER ADJ.
MONTHLY REVENUE (Jan)
$249,709
▼ 22.1% vs Dec (Dec = holiday peak)
Nov adj: fleet $21,754 (was $71,754)
📊 $48,621 AVG WEEKLY · 19 WKS
SBA LOAN BALANCE
$2.165M
$32,452 retired · 1.48% paid
Matures Oct 2035 · 10.0% rate
📅 $29,040/MO · 120-MO TERM
PAYROLL RATIO
77.1%
77.1%
Jan actual
≤ 70%
Target
CEO SALARY STATUS
❌ NOT YET
+$15,164/mo
rev gap / $100K
$264,873
needed/mo
BIZ VALUE @ 80x
$3.89M
$2,077,678
vs purchase
$1,724,630
est. equity
YTD NET INCOME (ADJ.)
$72,735
$22,735
raw / unadj.
+$50,000
startup adj.
YTD TRUE CASH FLOW (ADJ.)
+$40,283
($9,717)
raw unadj.
+$50,000
adj. impact
MONTHLY EBITDA (JAN)
$22,652
9.1%
EBITDA margin
$18,571
interest exp.
▸ ACTIVE FLAGS
✅ Nov Reclassified
$50K fleet catch-up → startup cost. Nov adj. net = +$30,005. YTD TCF = +$40,283.
🔴 Jan Cash Flow Neg.
Jan true CF = ($6,831). YTD positive. Jan still needs +$15K more revenue on its own.
🟡 Payroll 77.1%
Jan payroll = 77.1% of revenue. Target ≤70%. Fix via volume growth, not headcount cuts.
🟡 CEO Salary Gap
Need +$15,164/mo for $100K salary. Adding 2 routes closes the gap entirely.