A 5-year growth plan with no sustainability architecture underneath it.
A worker cooperative had a funded growth ambition, an engaged board, and a respected executive team — but no reserve framework, no stress-tested cost structure, and no scenario model. Strategic decisions were being approved on optimism, not evidence.
Structural Gap
The cooperative faced funder questions it could not answer with evidence: What reserve threshold protects members through a downturn? What revenue concentration is too much? What does the 5-year plan look like if the top two revenue streams contract 20%?
What We Delivered
A multi-model financial sustainability framework — reserve policy grounded in sector benchmarks, stress-tested cost structure, three-scenario revenue model, and a written sustainability roadmap formatted for board adoption and funder presentation.
Outcomes After Adoption
- Board ratified the sustainability framework at the next scheduled meeting.
- Reserve target formalized into the operating budget cycle.
- Funders accepted the stress-tested model in subsequent renewal conversations.
- Ad-hoc projections replaced by a standing quarterly financial review.