Restaurant & Food
Profit and loss statement for a restaurant
A restaurant's bank statement is mostly two things: card settlements arriving a day or two late, and a steady march of food and beverage invoices going out. The hard part is that the deposits are net of fees and the delivery platforms pay out on their own schedule, so the number in the account is never the number that was rung up.
Upload the statements your bank already sends you and we read every transaction, ask about the ones we cannot place, and build a Profit & Loss you can hand to whoever asked for it. Start without an account.
The categories a restaurant gets
These are provisioned for you on day one — the same rows the product sorts your transactions into, with the suppliers it looks for.
- Delivery Platform SalesMoney in
- Delivery platform payouts: DoorDash, Uber Eats, Grubhub, Postmates deposits for online food orders.
- Catering IncomeMoney in
- Revenue from catering jobs and private events, often larger check or ACH deposits outside normal POS batches.
- Food PurchasesCost of the work
- Food and ingredient purchases from distributors: Sysco, US Foods, Restaurant Depot, Performance Food Group, Gordon Food Service, wholesale grocery buys.
- Beverage PurchasesCost of the work
- Beverage, alcohol, and coffee purchases: Southern Glazer's, Breakthru Beverage, beer/wine distributors, soda and coffee vendors.
- Paper & PackagingCost of the work
- Disposable paper goods and to-go packaging: cups, napkins, containers, bags, utensils for takeout.
- Kitchen SmallwaresRunning the business
- Small kitchen tools and smallwares below the capitalization threshold: pans, utensils, storage containers, knives.
- Linen & LaundryRunning the business
- Linen, towel, apron, and uniform rental or laundry services such as Cintas, Aramark, UniFirst.
The deposits that are not income
This is where an owner-prepared P&L usually goes wrong. Money can land in the account without being a sale, and money can leave without being a cost — and a lender notices when it has been counted anyway.
- Loan ProceedsMoney you owe
- Deposits from new borrowing: loan funding, SBA disbursements, merchant cash advances, and line-of-credit draws. Not revenue.
- Owner ContributionOwner's money
- Owner's personal money put into the business: capital injections and owner-funded deposits, often round amounts. Not revenue.
- Internal TransferNot on the P&L
- Movement between the business's own accounts: transfers to or from its own checking or savings. Excluded from the P&L entirely.
- Refunds GivenMoney in
- Money returned to customers: refunds, chargebacks, and returned sales. A withdrawal that reduces revenue, not an expense.
We ask about these in plain English rather than guessing — “was this $10,000 deposit sales, your own money, or a loan?” — and you see every answer before you pay.
Ready to build yours?
Free to try — upload, answer the questions and see your draft numbers at no cost. You pay only when you download the finished report. See what it costs.
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