There are four ways to get the numbers before you open a cafe or restaurant: hire a consultant, ask a general AI chatbot, fill in a template, or use FIZIBI. Here is an honest account of when each one is right.
| FIZIBI Investor Package | Freelance consultant | ChatGPT / general AI | Business plan template | |
|---|---|---|---|---|
| Typical cost | ₺3,990 one-time, VAT included | By quote; depends on project and consultant | Free or a monthly subscription | A few hundred lira, or free |
| Time | ~20 minutes of questions, report immediately | Usually 1-2 weeks | Minutes | As fast as you can fill it in |
| Where numbers come from | Deterministic finance engine; every figure from a formula | The consultant's own model and experience | The language model's estimate; may change on a retry | Empty cells; you supply the numbers |
| Turkey-specific cost lines | Social security, VAT, withholding, rent-increase cap, CPI, minimum-wage steps | Depends on the consultant; a good one knows more | Usually not; you must supply the rates | No |
| 36-month cash flow and break-even | Yes | Usually yes | Will produce one on request, but unverified | You build the formulas |
| Investor deck (PPTX) | 16+ slides, editable | Usually yes | No | No |
| Excel model | Yes | Usually yes | No | Partly |
| Recompute when you change an answer | Instantly, for 90 days | A new revision, usually billed | You ask again; the result may not match | By hand |
| Someone who will challenge your concept | No; it shows the number and leaves the call to you | Yes — this is their strongest suit | No | No |
| Visiting the site, negotiating the lease | No | Yes | No | No |
When your concept is not settled, when you need someone to judge the site in person, or when you want someone with local supplier and landlord relationships in the negotiation. What a model cannot give you is judgement: saying “this concept will not work on this street”. A good consultant will say it.
While you are still exploring the idea, discovering the questions, brainstorming menu and concept. Fast and nearly free. But you cannot get a model out of it that you would take to a bank or an investor: ask the same question twice and the figures differ, and none of them is tied to a formula.
If you know your way around Excel, already have your own numbers, and just want a tidy structure. The cheapest route. In exchange you build every assumption, rate and formula yourself.
If you cannot build the numbers yourself but want a defensible model to take to an investor, a bank or a business partner. It is clear where each figure came from, the Turkish cost lines are built in, and everything recomputes when you change an answer.
You can get the prose, not the model. A general language model estimates figures; ask twice and you get different answers, and none of them is tied to a formula. In FIZIBI every number comes from a deterministic engine, AI writes only the narrative, and each figure in that narrative is checked against the engine's output — any paragraph that does not match is discarded.
They do different jobs. A consultant brings judgement, an on-site assessment and relationships; FIZIBI brings the model, the report and the deck. If you can afford both, use both: build the model in FIZIBI and have a consultant argue with the assumptions. If you cannot, going to an investor with FIZIBI beats going with no model at all.
The report includes a 36-month P&L, cash flow, break-even and sensitivity analysis, and the assumptions table marks which values came from you and which from an industry average. The bank makes its own assessment; this report lets you walk into that meeting with numbers. It is not a guarantee of credit.
A template is an empty frame: it gives you the row headings, and you build the figures and formulas. FIZIBI builds the model from your answers, applies the Turkey-specific rates (employer social security, VAT, withholding, the rent-increase cap, CPI) internally, and hands back a deck and an Excel model.
The preview is free. You unlock the full report and deck when you want them.