Prepared for: Commercial Bank Credit Committee / Private Investment Network

Project Financial Summary
Dong Nai Sportkation Estate

Hospitality & Sports Infrastructure · SME Startup · Dong Nai Province, Southeast Vietnam

💵 All amounts in VND · USD equivalents at 25,500 VND/USD (Q1 2026)

Total CAPEX

12.2B VND

Love Money (75%)

9.2B VND

Gross Rev. Target

228.4M/mo

Treasury build/mo (Yr 2+)

+86.3M/mo

Investment Progress

Funding Status

Active Round

1.3B VND

Target: 9.2B VND

13.6% FundedRaised: 1.3B VND

4

Investors

90

Days Left

1B

Min. Investment

Section 1

Capital Expenditure (CAPEX) Breakdown

All-in development cost of 12,200,000,000 VND — including full furnishing and equipment for the cabins and main house. Line items below reflect current Dong Nai contractor and materials pricing (Q1 2026). Starting with 8 cabins to host up to 16 guests simultaneously.

🌿

Land Acquisition

6,000 m², Dong Nai Province

4800M

39.3%

🏡

Main Villa

200m² reception, owner quarters, lounge & admin

700M

5.7%

🛖

Guest Cabins (×8)

Modular flat-roof, 40m² each, private terrace & A/C — hosts 16 guests

3200M

26.2%

🛏️

Cabin Furniture & Fittings (×8)

Beds, A/C, wardrobes, terrace furniture, linens & décor for all 8 cabins

400M

3.3%

🛋️

Main House Furniture & Fittings

Reception, lounge, owner quarters, dining & admin office

200M

1.6%

🍳

Commercial Kitchen & F&B Equipment

Fridges, freezers, cooking range, BBQ grills, bar setup

250M

2.0%

🏓

Pickleball Courts (×2)

Professional surface, LED night lighting, fencing

350M

2.9%

⛱️

Retractable Court Roof (×2)

Openable awning roof — sun & monsoon shelter, opens for airflow & natural light

400M

3.3%

🏊

Swimming Pool

8×4m lap pool, filtration system, poolside decking

500M

4.1%

🔥

Sauna & BBQ Pavilion

Finnish barrel sauna + covered outdoor BBQ social area

250M

2.0%

🎾

Sports & Recreation Equipment

Paddles, balls, ball machine, nets, rental gear, pool loungers

150M

1.2%

📷

Technology & Security

Wi-Fi mesh, smart locks, CCTV, POS / booking system, A/V

200M

1.6%

🌴

Landscaping & Orchard

Tropical gardens, fruit trees, pathways, lighting

250M

2.0%

Utilities & Infrastructure

Electrical grid connection, water system, septic, Wi-Fi

250M

2.0%

📋

Pre-opening & Contingency

Permits, licenses, initial marketing, 5% contingency buffer

300M

2.5%

Total CAPEX

12,200,000,000

≈ $478K

VND

Allocation of the 12.2B CAPEX

12.2BVND
🌿Land Acquisition39.3%
🏡Main Villa5.7%
🛖Guest Cabins (×8)26.2%
🛏️Cabin Furniture & Fittings (×8)3.3%
🛋️Main House Furniture & Fittings1.6%
🍳Commercial Kitchen & F&B Equipment2.0%
🏓Pickleball Courts (×2)2.9%
⛱️Retractable Court Roof (×2)3.3%
🏊Swimming Pool4.1%
🔥Sauna & BBQ Pavilion2.0%
🎾Sports & Recreation Equipment1.2%
📷Technology & Security1.6%
🌴Landscaping & Orchard2.0%
Utilities & Infrastructure2.0%
📋Pre-opening & Contingency2.5%

Section 2

Financing Structure

Sportkation Dong Nai is funded through a Founders Fund (25%) and a private "Love Money" round (75%). The Love Money is patient growth capital, not a fast-repayment loan. A 12-month grace period lets the first year of cash flow build a solid treasury; from Month 13 investors earn an 8% annual yield paid monthly (interest-only) while their principal keeps working. Principal is returned at the expansion milestone — when the treasury and operating track record secure bank financing for the second location — or investors roll it into Location 2 to keep compounding. The aim is not the fastest payback; it is a strong, growing, multi-location brand in which patient capital earns well.

Founders Fund

25%

3.000.000.000 VND

≈ $118K

Love Money Round

75%

9.200.000.000 VND

≈ $361K

Interest Rate
8% per year
Structure
Interest-only — principal at expansion refinance
Grace Period
12 months — Year 1 builds treasury; yield starts Month 13
Monthly Investor Yield (from M13)
61.333.333 VND

≈ $2.4K

Annual Investor Yield
736.000.000 VND

≈ $29K

Treasury Build (Yr 2+)
86.316.667 VND

≈ $3.4K

Principal
At expansion refinance (Yr 3–5), or roll into Location 2
Love Money Round Status
Open for subscription

Section 3

Revenue Model

Core Revenue

Sportkation Classic

16 bookings × 4,200,000 VND

67.200.000 VND

≈ $2.6K

Weekend Getaway

18 bookings × 2,900,000 VND

52.200.000 VND

≈ $2.0K

Group Retreat

14 guests × 3,500,000 VND (full-estate exclusive)

49.000.000 VND

≈ $1.9K

Couples & Weekday

2 couples × 6,500,000 + walk-in stays

25.000.000 VND

≈ $980

Core Subtotal
193.400.000 VND

≈ $7.6K

Additional Packages & Upsells

Extra Revenue
Open Bar — Beers & Drinks

20 guests × 600,000 VND / day

12.000.000 VND

≈ $471

Pro Coaching Sessions

8 sessions × 2 hrs × 500,000 VND

8.000.000 VND

≈ $314

Birthday / Event Package

2 events × 3,500,000 VND flat fee

7.000.000 VND

≈ $275

Tournament Gift Package

10 players × 800,000 VND

8.000.000 VND

≈ $314

Upsell Subtotal
35.000.000 VND

≈ $1.4K

Total Monthly Gross Revenue

228,400,000

≈ $9.0K

VND / month (at stabilised occupancy)

Section 4

Monthly Sales Assumptions

A realistic operating month blending weekend leisure stays with midweek corporate team-building — the mix the resort is built to capture once the B2B pipeline is live.

Sample month — cabins occupied per day

M
T
W
T
F
S
S
1
24🛖
34🛖
4
55🛖
65🛖
75🛖
8
93🛖
103🛖
11
126🛖
136🛖
14
15
168🛖
178🛖
18
197🛖
207🛖
21
22
234🛖
24
25
265🛖
275🛖
28
29
30
Corporate (midweek)Leisure (weekend)Open🛖 = cabins booked that night

8

Private Cabins

2

Pro Courts

35%

Avg. Occupancy

Package Sales (Core Revenue)

PackageGuestsNightsCabinsRevenue
Apex Tech — midweek offsite8 guests2428.000.000 VND
Sportkation Classic — weekend10 guests3542.000.000 VND
Nova — startup sprint6 guests2321.000.000 VND
Weekend Getaway12 guests2634.800.000 VND
Meridian — full-resort buyout16 guests2856.000.000 VND
Group Retreat — weekend14 guests2749.000.000 VND
Horizon — 1-night team day8 guests1414.000.000 VND
Weekend Getaway10 guests2529.000.000 VND
Core Package Revenue273.800.000 VND

Add-ons & Options Revenue

Add-on / OptionAssumptionRevenue
Open Bar & BBQCorporate + leisure groups20.000.000 VND
Pro Coaching & FacilitationClinics + corporate team-building22.000.000 VND
Events & BanquetsGala dinners, birthdays, celebrations12.000.000 VND
Tournament Gift PackagesBranded gear & prizes7.000.000 VND
Total Add-on Revenue61.000.000 VND

Total Monthly Revenue (Stabilised)

334.800.000 VND

≈ $13K

85 of 240 cabin-nights sold — 35% occupancy across a realistic month of weekend leisure + midweek corporate.

Section 4 shows the realistic combined month (corporate + leisure). The financial projections in Sections 6–8 stay on the conservative base revenue in Section 3 — we finance against the floor, not the upside.

Section 5

12-Month Revenue Projection

12-Month Revenue Projection

Realistic ramp-up as marketing and referral network build

Core RevenueUpsellsBreak-even (81M)
71M VND ≈ $2.8K
M1
89M VND ≈ $3.5K
M2
109M VND ≈ $4.3K
M3
129M VND ≈ $5.1K
M4
147M VND ≈ $5.8K
M5
163M VND ≈ $6.4K
M6
178M VND ≈ $7.0K
M7
190M VND ≈ $7.5K
M8
201M VND ≈ $7.9K
M9
211M VND ≈ $8.3K
M10
221M VND ≈ $8.7K
M11
228M VND ≈ $8.9K
M12
070M140M210M280M VND

Month 1 (Launch)

71M VND

≈ $2.8K

~30% capacity

Month 3

109M VND

≈ $4.3K

Word of mouth

Month 6

163M VND

≈ $6.4K

Marketing effect

Month 12

228M VND

≈ $8.9K

Stabilised

Section 6

Monthly Operating Costs Detail

Line-by-line breakdown of all recurring monthly expenses. Salaries reflect Dong Nai Province rates (Q1 2026). All amounts in VND.

Staff & Labor

20.000.000 VND

Estate Manager (operations, bookings, guest relations)6.000.000 VND
Cook / Chef (meals, BBQ, catering)5.000.000 VND
Housekeeper (cleaning, laundry, turnover)3.500.000 VND
Housekeeper — 2nd cabin block (cleaning, laundry, turnover)3.500.000 VND
Part-time weekend help (serving, events)2.000.000 VND

Marketing & Digital

12.750.000 VND

Social media ads (Facebook, Instagram, TikTok)6.750.000 VND
Google Ads / SEO2.500.000 VND
Content creation & photography1.500.000 VND
Referral fees & booking commissions2.000.000 VND

Maintenance & Utilities

14.000.000 VND

Electricity (A/C, LED courts, pool pump, lighting)3.500.000 VND
Water supply1.500.000 VND
Internet / Wi-Fi500.000 VND
Gas (cooking)1.000.000 VND
Court surface & pool maintenance2.000.000 VND
General repairs & upkeep2.500.000 VND
Cleaning supplies & guest amenities3.000.000 VND

F&B Cost of Goods

14.000.000 VND

Food ingredients (local sourcing, ~70 guests/mo)8.000.000 VND
Beverages (non-bar stock, coffee, juice)3.000.000 VND
BBQ supplies (charcoal, marinades, sauces)3.000.000 VND

Add-on & Event Costs

13.000.000 VND

Open Bar stock (craft beers, soft drinks, juices)4.000.000 VND
Freelance coaching fees (250K/hr × 16 hrs)4.000.000 VND
Birthday/event supplies (cake, décor, champagne)3.000.000 VND
Tournament materials (jerseys, medals, photos)2.000.000 VND

Admin / Insurance / Misc

7.000.000 VND

Property insurance2.000.000 VND
Liability insurance800.000 VND
Accounting & bookkeeping2.000.000 VND
Misc (licenses, office supplies, transport)2.200.000 VND

Total Monthly OPEX

80.750.000 VND

≈ $3.2K

% of Gross Revenue

35.4%

Section 7

Operating Expenses & Profitability

Operating Expenses (OPEX) — Explicit Breakdown

Staff (5 FTE)
20.000.000 VND

≈ $784

Marketing & Digital (social, SEO, referral)
12.750.000 VND

≈ $500

Maintenance & Utilities
14.000.000 VND

≈ $549

F&B Cost of Goods
14.000.000 VND

≈ $549

Add-on & Event Costs
13.000.000 VND

≈ $510

Admin / Insurance / Misc
7.000.000 VND

≈ $275

Total OPEX (35.4% of Revenue)
80.750.000 VND

≈ $3.2K

Gross Revenue
228.400.000 VND

≈ $9.0K

Total OPEX
− 80.750.000 VND

≈ −$3.2K

Net Operating Income (NOI)
147.650.000 VND

≈ $5.8K

Investor Yield (8%, from Year 2)

8% annual, interest-only — principal stays invested until the expansion refinance

− 61.333.333 VND

≈ −$2.4K

→ Treasury (Year 1, grace)
+ 147.650.000 VND

≈ +$5.8K

→ Treasury (Year 2+)
+ 86.316.667 VND

≈ +$3.4K

Ramp-Up & Repayment Note

Revenue ramps from ~71M (Month 1, ~30% capacity) to a stabilised 228M by Month 12, clearing OPEX (~81M) around Month 3. The full first year is a grace period — no investor payments — so the business builds momentum and a treasury; the 8% investor yield (~61.3M/month, interest-only) begins in Month 13.

Section 8

Growth Roadmap

Renting land and moving fast is how we start — not where we stop. The return compounds by turning one proven location into a multi-location brand, financed increasingly by banks and the company's own treasury.

1

Year 1 · Foundation

Open, stabilise occupancy, and bank the first year of cash flow. No investor payments yet — every dong strengthens the treasury.

2

Year 2–3 · Yield & Proof

Investors begin earning their 8% annual yield, paid monthly. The treasury keeps compounding while two to three years of audited cash flow prove the unit economics.

3

Year 3+ · Expansion

Treasury plus track record unlock bank financing for Location 2 at favourable terms. That refinance returns investor principal — or investors roll forward into the next location for continued 8% plus growth upside.

4

The Brand · Locations + Events

Each location compounds the playbook. Tournaments and events become a second revenue engine and a marketing flywheel — building Sportkation into Vietnam's leading pickleball-retreat brand.

Treasury build (no investor principal repaid yet)

1.8B
Yr 1
2.8B
Yr 2
3.8B
Yr 3
4.9B
Yr 4
5.9B
Yr 5
Location 2 — bank loan unlocked (~Yr 3)

Section 9

Corporate Upside Scenario — Midweek Team-Building

Upside scenario

The base case above assumes weekend-driven leisure demand at ~30% occupancy, leaving most weeknights empty. This upside scenario layers corporate team-building onto those midweek nights. Dong Nai sits ~2 hours from Ho Chi Minh City's large corporate base, making Tuesday–Thursday off-sites a realistic, repeatable demand source. Most groups are a single department taking only 3–4 cabins — only occasionally does one company buy out the full estate.

Avg. Occupancy

35%35%

Gross Revenue / mo

228.4M334.8M

Net Operating Income

147.7M229.8M

Corporate Bookings (Sample Month)

GroupGuestsNightsCabinsRevenue
Department offsite (Tue–Thu)8 guests2428.000.000 VND
Startup product sprint (Tue–Thu)6 guests2321.000.000 VND
Full-estate buyout (Tue–Thu)16 guests2856.000.000 VND
Small team — single night8 guests1414.000.000 VND
Corporate Core Revenue119.000.000 VND

4 groups/month — 1 full-estate buyout, 3 partial (3–4 cabins). Teams of 6–10 people rarely fill all 8 cabins, so half the estate often stays open midweek.

Resulting Monthly Revenue

Corporate team-building

4 midweek groups (see above)

119.000.000 VND

≈ $4.7K

Sportkation Classic

Weekend leisure

42.000.000 VND

≈ $1.6K

Weekend Getaway

Two weekends

63.800.000 VND

≈ $2.5K

Group Retreat

One full-estate weekend

49.000.000 VND

≈ $1.9K

Core Subtotal
273.800.000 VND

≈ $11K

Open Bar — Beers & Drinks

Higher guest volume

20.000.000 VND

≈ $784

Coaching & team facilitation

Corporate activities + pro coaching

22.000.000 VND

≈ $863

Events & corporate banquets

Group dinners & celebrations

12.000.000 VND

≈ $471

Tournament & team activities

Team competitions & gifts

7.000.000 VND

≈ $275

Add-on Subtotal
61.000.000 VND

≈ $2.4K

Gross Revenue (Upside)

334.800.000 VND

≈ $13K

VND / month at ~35% occupancy

Operating Costs at Higher Activity

More guests and corporate catering raise variable costs. Fixed costs (owned land, core staff, courts) stay flat, so total OPEX rises to ~31% of revenue — slightly leaner than the 35% base case thanks to scale.

Staff & Labor (+ weekday & event help)
24.000.000 VND

≈ $941

Marketing & Digital (+ B2B corporate sales)
13.000.000 VND

≈ $510

Maintenance & Utilities (higher usage)
17.000.000 VND

≈ $667

F&B Cost of Goods (corporate full board)
22.000.000 VND

≈ $863

Add-on & Event Costs (facilitation, banquets)
21.000.000 VND

≈ $824

Admin / Insurance / Misc
8.000.000 VND

≈ $314

Total OPEX (31.4% of Revenue)
105.000.000 VND

≈ $4.1K

Gross Revenue (Upside)
334.800.000 VND

≈ $13K

Total OPEX
− 105.000.000 VND

≈ −$4.1K

Net Operating Income (NOI)
229.800.000 VND

≈ $9.0K

Investor yield (8%)
− 61.333.333 VND

≈ −$2.4K

Treasury build (Yr 2+)
+ 168.466.667 VND

≈ +$6.6K

Key Assumption

This upside depends on an active B2B sales effort — landing ~4 small corporate groups a month will not happen inbound. It requires corporate rate cards, HR / People-Ops outreach, and event-agency partnerships. Without that pipeline, midweek reverts to the ~10% occupancy of the base case. The 16-guest cap also limits each booking to small teams.

Section 10

2026 Legal & Tax Incentives — "The Pitch Winner"

Three major 2026 Vietnamese policy shifts directly benefit this project:

1

CIT Exemption — Decree 20/2026/ND-CP

As a newly registered SME, the project qualifies for a 3-year Corporate Income Tax exemption, followed by a 50% reduction for the next 4 years. This preserves ~94M VND/month for reinvestment during scale-up.

2

Land Conversion Discount

Under the 2026 Land Law amendments, converting garden/pond land to residential requires only 30% of the price difference payment, significantly lowering future expansion costs.

3

Construction Permit Exemption

Structures under 7 stories in rural/developing zones qualify for the 2026 permit exemption for low-rise cabins, accelerating build time by 4–6 months.

Section 11

Risk Mitigation

Fixed-Rate Love Money

Love Money is raised at a fixed 6% annual rate — immune to interest rate spikes. With a base-case NOI of 147.7M/month against a monthly repayment of 128.6M, the project stays cash-flow positive through the 7-year repayment window, with substantial additional headroom once the corporate-upside occupancy (NOI 229.8M) is reached.

Conservative Ramp-Up

The model assumes a ramp-up starting at only 30% capacity in Month 1 and reaching OPEX breakeven (~81M) around Month 3, well before Love Money repayment begins at Month 6. This 5-month grace period provides a realistic safety margin rather than assuming full occupancy from day one.

Land Asset Appreciation

The 6,000 m² Dong Nai land is an appreciating hedge. Dong Nai land prices are trending +8–12% annually in 2026 due to HCMC-adjacent infrastructure and the Long Thanh airport project. Exit value grows independently of operations.

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