15 | Products, Services, and Equipment
What you sell — and how you deliver it — defines your brand, your margin, and your growth ceiling. Run an 80/20 margin analysis: What 20% of products or services generate 80% of your profit? What’s dragging? Can you reprice, repackage, or retire those? Match this with customer demand: which services lead to repeat business? Which SKUs or packages are high-maintenance but low-margin? When evaluating equipment:
T Bank Insight We help buyers separate core services from laggards — and structure equipment financing to preserve working capital post- close.
1 Assess condition, expected life, replacement cost, and uptime risk
2 Compare purchase, finance, and lease options based on total cost of ownership
3 Prioritize what improves output, reliability, or compliance
Case Example — Car Wash Buyer Adds Fleet Contracts After acquiring three locations, the buyer signed monthly wash plans with delivery companies, adding 18% in recurring revenue and smoothing seasonal dips. “Focus on profitable work — then make sure your tools can deliver it.” Action Checklist Identify top and bottom 20% SKUs by margin Build a “keep / fix / retire” list for products or services Review all equipment over $50K — compare lease vs. buy Schedule replacements for critical end-of-life assets Quick Summary Refine your offer and make sure your equipment supports it — not stifles it.
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For informational purposes only. Not legal, tax, or financial advice.
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