Good afternoon, Jordan 👋
Your business is healthy.
Smith QSR Holdings LLC · DonutNV · Springfield, NV · 8 months operating
This week · May 12 – 18
Wednesday afternoon · 6 days into May · all 4 channels reporting live
Your accounts at a glance
Click any card to drill in🔴 Your Debt Schedule
SBA Loan · Live Oak Bank · 10-year · 7.5% APR
Marcus Johnson, CPA
10 yrs franchise accounting · QSR specialist · closed your April books 2 days ago.
Mercury
Checking + Savings · last sync 2 min
Ramp Card
Every swipe categorized · last 2 min
Stripe
POS payments · 6 today
QuickBooks
Auto-sync · monthly close by Marcus
Gusto
Bi-weekly payroll · 4 active
NEXT Insurance
GL + WC bound · auto-renews 2027
Compliance
Smith QSR Holdings LLC is fully compliant
Nevada LLC · formed Oct 12, 2025 · EIN 84-XXXXXXX · Jamie Park, your CoverPanda paralegal, has your next 12 months of filings queued.
One signature needed — your BOI report
Federal law (FinCEN) requires beneficial-ownership info for entities formed in 2024+. Jamie already filled it out — you just confirm and e-sign.
Registered Agent
ActiveA licensed Nevada agent receives every legal notice and state document on your behalf — so a process server never shows up at your store, and your home address stays off the public record.
Virtual Mailbox & Forwarding
ActiveA real business street address that scans your mail the day it lands and forwards anything physical to you. Keep your home address private, and never miss a state notice or check.
EIN & Formation Documents
3 on fileYour EIN letter, Articles of Organization, and Operating Agreement — stored, current, and one tap to download whenever a bank, lender, or landlord asks for them.
Annual Renewals
AutoYour Nevada annual report and state business license are filed automatically each year, 30 days ahead of the deadline. No lapses, no late fees, no scramble.
BOI Report · FinCEN
Awaiting your signature — Jamie pre-filled it
Nevada Annual Report + Business License
Filed automatically on your formation anniversary
SBA Loan annual review · Live Oak
We auto-pull updated financials from your Wallet
Finance
Mercury Checking
****4821 · Business Checking
Mercury Savings
****4822 · Treasury
Ramp Card
****7392 · Corporate
SBA Loan (Live Oak)
10yr term · 7.5% rate
Monthly closes, tax-ready financials, dedicated bookkeeper.
All Accounts
Banking
Mercury Checking
****4821 · Synced via Mercury API
Mercury Savings
****4822 · Treasury @ 4.00% APY
Credit & Spend
Ramp Corporate Card
****7392 · $3,412 used of $20,000 limit
Loans & Debt
SBA Loan — Live Oak Bank
$1,842/mo · 10yr term · 7.5% rate
Payment Processing
Stripe Connect
Accepting payments · Payout: T+2 rolling
| Date | Description | Source | Amount | Category |
|---|---|---|---|---|
| Apr 8 | POS Settlement | Stripe | +$1,842 | Revenue |
| Apr 7 | Sysco Foods | Ramp | -$1,245 | COGS |
| Apr 6 | POS Settlement | Stripe | +$2,103 | Revenue |
| Apr 5 | Rent Payment | Mercury | -$2,200 | Rent |
| Apr 4 | ADP Payroll | Mercury | -$3,000 | Payroll |
| Apr 3 | Meta Ads | Ramp | -$450 | Marketing |
| Apr 2 | Unknown Wire | Mercury | -$420 | Uncategorized |
| Apr 1 | State Farm | Ramp | -$890 | Insurance |
Payments Received (MTD)
Pending Payout
Next Payout
| Date | Customer | Amount | Status |
|---|---|---|---|
| Apr 8 | Walk-in #1842 | +$47.50 | Paid |
| Apr 8 | Walk-in #1841 | +$32.00 | Paid |
| Apr 8 | DoorDash Order | +$28.75 | Paid |
| Apr 7 | Catering - Smith Corp | +$425.00 | Paid |
Powered by Stripe
Accept card payments, mobile payments, and online orders. All revenue auto-syncs to your books.
Mercury Checking
Synced via Mercury API
Ramp Card
Synced via Ramp API
Stripe Connect
Payment processing
Payroll
Next pay run · 3 days away
Bi-weekly pay period: Apr 26 – May 7. Auto-funded from your Mercury Checking on Wed, May 7 at 6pm PT. Direct deposit hits employee accounts Fri at 9am.
Alex Rivera · QSR payroll · 8 yrs Gusto-certified
Alex runs your bi-weekly payroll, files your quarterly 941s + state UI, and handles W-2/1099 distribution. $59/mo on top of Gusto · billed via Fran.
No pay runs yet
Connect Gusto, add employees, and process your first pay run in about 5 minutes.
Gusto Payroll
Run payroll, file taxes
Funding Bank
Where wages debit from
QuickBooks Online
Sync wage journal entries
POS / Time Tracking
Auto-import hours from Toast/Square
Team Roster
No employees added yet
Connect Gusto first, then we'll guide you through onboarding employees, getting W-4s, and setting pay schedules.
All Pay Runs
| Pay Date | Period | Type | Employees | Gross | Taxes | Net | Status |
|---|---|---|---|---|---|---|---|
| May 8, 2026 | Apr 26 – May 7 | Bi-weekly | 4 | $8,640 | $2,310 | $6,330 | Pending Run |
| Apr 25, 2026 | Apr 12 – 25 | Bi-weekly | 4 | $8,420 | $2,280 | $6,140 | Paid |
| Apr 11, 2026 | Mar 29 – Apr 11 | Bi-weekly | 4 | $7,890 | $2,080 | $5,810 | Paid |
| Mar 28, 2026 | Mar 15 – 28 | Bi-weekly | 3 | $6,200 | $1,620 | $4,580 | Paid |
| Mar 14, 2026 | Mar 1 – 14 | Bi-weekly | 3 | $5,940 | $1,540 | $4,400 | Paid |
Payroll & HR Add-Ons
Member pricing — auto-billed to your existing subscription
Gusto Payroll Core
Full-service payroll, direct deposit, all 50-state tax filings.
Health Benefits
Group medical, dental, vision via Gusto + SimplyInsured.
401(k) Plan
Guideline 401(k) integrated with payroll. Auto-enroll.
Workers' Comp
NEXT Insurance pay-as-you-go workers comp via payroll.
HR Concierge
On-demand HR advisors, handbook, compliance posters.
Time Tracking (Homebase)
Scheduling, tip tracking, manager approvals, sync to payroll.
Insurance
Sarah Chen · QSR-specialized · 12 yrs commercial lines
Sarah is your agent of record. She bound your GL + Workers' Comp with NEXT in March, manages your renewals, files COIs on demand, and shops carriers 60 days before each renewal. Free · paid via carrier commissions, not by you.
🛡️ 2 policies active · 1 coverage gap flagged
Your General Liability + Workers' Comp are bound through NEXT Insurance (Sarah handled it). Sarah flagged a mobile-vendor / trailer coverage gap — your standard GL doesn't cover trailer-related claims at off-site events. She has 4 quotes ready when you want them.
General Liability · NEXT Insurance
$1M / $2M aggregate · Policy #NXT-7821-44 · Bodily injury, property damage, personal & advertising injury.
Workers' Comp · NEXT Insurance
Pay-as-you-go premium based on actual payroll. Auto-syncs with Gusto. Covers Maria + 2 crew members.
Liquor Liability / Mobile Trailer Coverage · Quote needed
DonutNV operates from mobile trailers at events. Our standard GL excludes mobile vendor risks. Recommend adding $1M trailer + product liability rider.
Recommended add-ons for your concept
Commercial Property
Cover your trailer, equipment, inventory against fire, theft, weather.
Cyber Liability
POS breach, customer card data exposure, ransomware. Required by some processors.
Business Auto
Coverage for your trailer-pull vehicle while operating commercially. Required in most states.
EPLI (Employment)
Wrongful termination, discrimination, harassment claims by employees.
General Liability
The baseline. $1M/$2M coverage for slips, falls, property damage at your location.
Workers' Comp
Required in 49 states once you hire anyone. Pay-as-you-go via your Gusto payroll.
Commercial Property
Covers your physical assets — equipment, inventory, signage, fixtures.
Cyber Liability
Data breach response, customer notifications, recovery, ransomware.
Commercial Auto
Hired vehicles, owned vehicles, hauling trailers commercially.
Umbrella / Excess
Extra $1M–$5M of coverage on top of your other policies — for bigger franchises.
EPLI
Employment practices liability — wrongful termination, discrimination, harassment.
Product Liability
Food-borne illness, allergic reactions, contamination claims from products sold.
Springfield Mall Mgmt LLC
Issued Apr 24 · expires May 31
Apex Festival Events
Issued Apr 18 · for Spring Festival
DonutNV Franchisor (annual)
Issued Mar 12 · expires Mar 12 2027
No active claims
You've never had to file. Keep it that way — but if something happens, we'll guide you through it 24/7 with one tap.
General Liability · NEXT
Annual renewal. We'll auto-shop 4 carriers 60 days before to find you the best rate.
Workers' Comp · NEXT
Pay-as-you-go, so this just continues. Annual audit happens automatically via Gusto.
Springfield Mall COI
Your venue requires an updated certificate every 60 days. We'll auto-regenerate.
How we shop your renewal
We pull your latest payroll, revenue, claims history from your Wallet.
We get bids from NEXT, biBERK, The Hartford, and Hiscox.
You see 4 side-by-side quotes. One click to switch or stay.
New policy binds. Old policy cancels. COIs auto-regenerate.
Perks
Mercury
Bank · $1,500 back
Ramp
Card · $500 cashback
Gusto
Payroll · 3 mo free
AWS Activate
Cloud · $5K credits
Mercury
$5M FDIC, free wires, fee-free business checking.
Ramp
Corporate cards. 1.5% cashback + auto expense mgmt.
Brex
No PG corporate cards. Points-based rewards.
Northwest Registered Agent
Registered agent · year 1 free, $39/yr after.
QuickBooks Online
Pre-loaded with franchise chart of accounts.
Xero
Cloud accounting. Clean interface, franchise-friendly.
Gusto★ Featured
Payroll, benefits, HR. Franchise-friendly setup.
PaychexIFA Preferred
Trusted payroll for franchise owners. IFA-vetted.
Homebase
Free scheduling, time tracking, hiring tools.
7shifts
QSR-specialized scheduling & labor cost tools.
NEXT Insurance
Instant quote + bind GL, workers comp, E&O.
biBERK (Berkshire)
Preferred franchise rates from Berkshire Hathaway.
Spadea Lignana
Top-tier franchise attorneys · FDD drafting.
Rocket Lawyer
On-demand legal docs + attorney consultations.
LegalZoom
Formation, trademark, business compliance.
Canva Pro
Design for social, menus, flyers, signage.
Mailchimp
Email marketing, automations, local audience lists.
Constant ContactIFA Preferred
Email + SMS marketing for franchise networks.
Notion
SOPs, wikis, ops docs — franchise team workspace.
Slack
Team messaging across your franchise network.
Google Workspace
Branded email, Drive, Docs, Meet for your unit.
Zoom
Video meetings, webinars, virtual training.
AWS Activate
Cloud credits for franchisors building tech.
Google Cloud
Cloud, AI/ML, data analytics infrastructure.
OpenPhone
Business phone system. Calls + texts in one app.
AnswerConnectIFA Preferred
Live answering + virtual receptionist 24/7.
Consumer FusionIFA Preferred ★ 2025
Reputation mgmt for multi-location brands.
Birdeye
Reviews, surveys, listings — all in one.
🌿 Growth Brand Bundle
Unlocks at 10+ units OR Execution tier. Vendor-negotiated pricing kicks in.
BenetrendsIFA Preferred
ROBS + SBA franchise lending priority queue.
ApplePie Capital
Franchise-specialized lender · $100K–$3M.
Live Oak Bank
SBA 7(a) for franchise owners. #1 franchise SBA lender.
ScorpionIFA Preferred
Full-service franchise digital marketing.
Ignite VisibilityIFA Preferred
SEO + PPC + social for franchise networks.
Morrow HillIFA Preferred ★ 2025
Commercial RE + buildout project mgmt for franchises.
Trainual
Train new staff with branded SOPs + quizzes.
DocuSign
E-signatures for franchise agreements, leases, NDAs.
HubSpot for Startups
Full CRM, marketing, sales hub for franchisor.
🏔️ Enterprise Brand Bundle
Custom-negotiated rates with dedicated account managers. Unlocks at 100+ units OR Intelligence tier.
Enterprise Bundle is locked
Unlocks when you cross 100 connected units OR upgrade to the Intelligence tier. Includes dedicated account managers from Mercury, Ramp, Gusto, NEXT, plus PE-grade investor data room.
Accounting
Marcus Johnson, CPA · keeping your books closed monthly
Last close: Apr 30 · all transactions categorized, all accounts reconciled · next close: May 31 (auto). Tap any number below to see the source transactions.
Sync your QuickBooks ledger
Connect once and Fran keeps your books and your Wallet on the same numbers — no double entry. 50% off 3 months.
📊 Key metrics · YTD (8 mo) vs benchmark
Benchmarked against QSR mobile-vendor industry averages (Toast 2025 report). Click any number to drill into source transactions.
Financial statements
Profit & Loss
Revenue, COGS, operating expenses, net income. The "am I making money" report.
Balance Sheet
Assets, liabilities, equity. The "what do I own vs owe" snapshot.
Cash Flow Statement
Operating, investing, financing. The "where did all the cash go" report.
Management reports
Monthly comparison
Last 6 months side-by-side P&L
Spend by vendor
Top vendors · categorized
Daily sales
Stripe + POS by day
Tax estimates
Quarterly federal + state
Marcus Johnson, CPA
Marcus has been your bookkeeper since you opened. He closes your books monthly, files your quarterly taxes, and answers messages in < 14 min. $250/mo · billed via Fran.
What Marcus does for you
Monthly close (by the 5th)
Reconciles every account · categorizes every transaction · produces P&L + Balance Sheet · flags anomalies.
Quarterly tax estimates
Calculates your federal + Nevada quarterly estimate so you never face an April surprise.
Sales tax filing
Files NV sales tax quarterly (auto from your POS data). Adds states as you expand.
Always-on Q&A
"Can I expense this?" "Is my COGS healthy?" In-app messaging · avg response 14 min.
Lender-ready reports
When you apply for financing or a refi, Marcus pulls the audit-grade package automatically.
Annual tax filing
Federal 1120-S + Schedule K-1 + NV state filing. Add-on $750/yr if you want CoverPanda to file.
Upgrade your finance team
Fractional CFO
Strategic financial planning · multi-unit modeling · investor decks · pricing strategy. For operators preparing to open unit #2 or apply for $250K+ in financing.
Annual tax return
Federal 1120-S + K-1 for owners · Nevada state return · franchise-savvy CPA · e-filed by Mar 15. Best to lock in by Jan to avoid the rush.
Franchise Services Marketplace
Curated by CoverPanda · IFA-aligned vendor taxonomy · franchise-built pricing
💰 Accounting & Tax
Monthly Bookkeeping
Dedicated bookkeeper · monthly closes · franchise COA pre-loaded.
Tax Preparation
Federal + state filings · Schedule C/K-1 · franchise-savvy CPAs.
CPA Consultation
30-min strategy call · entity structure · royalty deductions.
Sales Tax Filing
Avalara-powered · never miss a state deadline.
Fractional CFO
Strategic financial guidance · investor-ready reporting.
FDD Item 21 Audit
Audited financials required in your FDD · franchise-CPA partners.
⚖️ Legal & Compliance
Franchise Attorney
FDD drafting · 14-state registration · trademark · franchise law experts (Spadea, Garner, Internicola).
Trademark Registration
Federal trademark filing · brand protection (required for FDD Item 13).
Operating Agreement
Franchise-specific OA · personal guarantee · transfer restrictions.
💵 Financing & Capital
Benetrends — ROBS + SBA
Rollover for Business Startups · SBA franchise loans · pre-qualified pipeline.
ApplePie Capital
Franchise-specialized lender · 24-hr pre-qualification.
Live Oak Bank — SBA 7(a)
#1 SBA lender for QSR + franchise · no app fee for CP members.
🏗️ Real Estate & Construction
Morrow Hill
Commercial RE + buildout project management for franchises.
Site Selection Brokers
Franchise-friendly RE brokers (CBRE, JLL, regional).
General Contractor Directory
Vetted franchise GCs · QSR + retail buildouts.
📈 Marketing & Reputation
Scorpion — Full Service
Digital marketing built for multi-location franchises.
Ignite Visibility
SEO + PPC + social for franchise networks.
Consumer Fusion
Reputation management across multi-location brands.
🛠️ Operations & POS
Toast POS (QSR)
Restaurant POS · auto-syncs revenue to your wallet.
Square POS (Services)
Service & retail POS · franchise-friendly setup.
Trainual — Training/LMS
SOPs + training + quizzes for franchise teams.
My Company
Visa •••• 4242
Default · Expires 12/28
Articles of Organization
Filed Oct 12, 2025 · Nevada SOS
Operating Agreement
Signed Oct 2025 · single-member LLC
EIN Letter (CP 575)
IRS · 84-XXXXXXX
State Business License
Nevada · renews Aug 2, 2026
Lease agreement
Landlords & lenders ask for this — keep it handy
Equipment & supplier contracts
POS, oven lease, food distributor agreements
SBA loan agreement
$142,000 · Live Oak Bank · 7.5%
Franchise Disclosure Document
DonutNV FDD · 2025 issue
Prior-year tax return
Speeds up loan apps & Marcus's filing
Certificate of Insurance
GL + WC active · synced from Insurance
Community
Stella Ito
Stella's Ice Cream · 14 units · UT/AR · joined Oct 2025
"Fran replaced 4 tools I was paying separately for. Marcus has paid for himself 3× in tax savings alone."
Refi 101 with David Kim
How to know if you should refi, what lenders look for, and what David's done for 80+ Fran operators in the last 6 months.
Labor cost workshop w/ Alex
Get your labor % to 24% or under. Bring your scheduling pattern, leave with a model that fits your unit.
Fran Founders Office Hours
Open Q&A with Taylor (founder, CEO). Bring anything — product, strategy, your worst week.
Multi-unit AMA: Stella Ito
From 1 → 14 units in 4 years. How she financed, hired, replicated SOPs. Bring questions.
📺 Replays
How to read your P&L in 10 min
Marcus J. · 14 min · Apr 24 · 312 views
Filing BOI without losing your mind
Jamie P. · 22 min · Apr 11 · 487 views
SBA loan strategy for QSR
David K. · 31 min · Mar 28 · 624 views
Templates, Calculators & Lead Magnets
Franchise-specific resources · FDD-aware · auto-fills from your wallet data where possible
🏗️ Business Formation & Planning
Franchise Business Plan Template
Pre-built business plan with FDD-derived financials, territory analysis, SBA lender sections. Auto-pre-fills from Business Kit.
SBA Pitch Deck Outline
10-slide pitch deck template for franchisees seeking SBA loans or investors. Franchise brand overview · unit economics · use of funds.
Core Values Generator
Guided exercise to define your location's mission, vision, and core values aligned with franchisor brand guidelines.
LLC Formation Checklist · 50 States
State-by-state filing requirements, fees, registered agent needs, timeline. Auto-filtered by your state.
Operating Agreement Template
Franchise-adapted OA for single + multi-member LLCs. Personal guarantee, transfer restrictions, compliance clauses.
Franchise Employee Handbook
State-compliant handbook · at-will, harassment policy, scheduling, dress code. Pre-filled by vertical.
💰 Financial & Lender-Ready
SBA Loan Application Prep Kit
Personal financial statement, 3-year projections, sources & uses, document checklist. Pre-fills from Business Kit.
First-Year Financial Model · by Vertical
Month-by-month P&L with QSR, fitness, services, retail assumptions. Revenue ramp · labor model · royalty calc.
Lender-Ready Data Room
Pre-structured folder with every doc a franchise lender wants. Entity docs, FDD excerpt, projections, landlord LOI.
Franchise Chart of Accounts
QBO/Xero-compatible COA mapped to franchise-standard reporting. Royalty expense, marketing fund tracking.
Grand Opening Budget
Line-item budget for grand opening · marketing, staffing, inventory, signage. Benchmarked against 50+ launches.
FDD Item 7 Cost Estimator
Interactive calculator · estimate your full initial investment by vertical. Maps to CP vendor recommendations.
🏪 Operations & Sales
Grand Opening 90-Day Playbook
Day-by-day launch plan from buildout completion through 90 days post-opening. Hiring, training, marketing calendar.
Vendor Evaluation Scorecard
Structured rubric for comparing vendors in any category. Weighted scoring · price, features, integration, support.
Operations Manual Template
50+ page Notion template · daily SOPs, food safety, cash handling, inventory, maintenance schedules.
Franchise Sales Discovery Call Script
For franchisors · 30-min discovery framework · financial qualification, territory, timeline, objection handling.
Should You Franchise? Quiz
10-min interactive self-assessment · scores readiness across 8 dimensions · benchmarked against 1,000+ brands.
Franchise Unit Economics Calculator
Input AUV, occupancy, food cost, labor · get true unit profitability + royalty-adjusted return on investment.
What is an FDD?
Plain-English breakdown of all 23 FDD items.
LLC vs. S-Corp
Which entity type saves you the most in royalties + taxes?
How to Read Your P&L
Your P&L tells a story · read it in 10 min.
Understanding Royalties
Fixed vs. percentage · how they impact your bottom line.
SBA vs. ROBS vs. Conventional
The 3 ways to finance your franchise · which fits you.
The 14 Registration States
Why CA/NY/IL/etc require state filings + how to track them.
Looking for perks and discounts?