[beachstartup]

yes, you take it past year 3 or 4. you get half a million bucks, a million bucks in the bank during the first years, and then you start spending it on real things. sometimes your cash dips. sometimes you bolster it with a good few months. however, you can't spend it all - you need capital. you need a reasonable amount of debt you can service.

when the bank sees this, they will flip the fuck out. but someone with experience in your industry and a specific financial product designed to help you will know exactly what you're doing.

it's repeatable, it's scalable - however, it requires money to grow just like every other business. this isn't skating by on ultra thin margins with $50k in the bank - it's a business with significant cash that needs significantly more cash, and is willing to sacrifice margins in the short term to grow. and that's not what banks do (these days).