Markets: Antigua and Barbados. Building on proven operations in Haiti and the Dominican Republic.
Tagline: Cash pays the lender first. Growth second.
Date: August 2025
Who We Are & Leadership
JAACK & CO LLC. is an alternative asset management and oil distribution company operating the Atlantic Grease and Lubricant brand. We finance and scale high-yield distribution networks in emerging markets, with proven profitability in Haiti and the Dominican Republic.
Jerry R. Lorseille, CEO
Financial strategist and proven operator in cross-border trade and investment management. Leads market strategy and disciplined execution.
Alex S. Jean, COO
Logistics and procurement expert. Owns day-to-day operations, warehousing, transport, and route reliability.
Albert E. François, CFO
Capital structuring and unit economics leader. Owns pricing, lender reporting, and covenant discipline.
Executive Snapshot
We request $1,008,000 to replicate our proven model in two new markets (Antigua and Barbados), with $504,000 allocated per country. Prices, SKU mix, and shipment economics from current operations remain unchanged, ensuring a consistent and profitable approach.
Our pricing strategy includes a 20-30% pricing cushion. Operating costs impact approximately 10% of gross return. All banking is in USD with SWIFT connectivity and verified internal reporting, ensuring transparency and compliance.
Haiti Performance: Our Profit Engine
Our operations in Haiti demonstrate a robust and profitable model, driven by strategic capital deployment and efficient market execution. The low competition and consistent demand create a stable environment for strong margins.
Market Strength
Low competition and reliable demand enable consistent price stability and robust margin protection, making Haiti a cornerstone of our profit engine.
Our Dominican Republic operations showcase strong performance, leveraging a sophisticated financial infrastructure and robust legal framework to ensure secure and efficient trade.
Key Strengths
The Dominican Republic offers the advantage of USD transactions, advanced banking infrastructure, and strong contract enforcement, significantly reducing operational risks and enhancing financial security.
💰 Invested Capital
$196,000
📈 Gross Return
28% ($54,880)
💲 Net Profit
18% ($49,392)
📦 Volume Distributed
7 Containers (110,628 Liters / ~29,225 Gallons)
Clients: 15+ industrial buyers across various sectors.
Cash Cycle: Inventory turns within 30-45 days, with cash recovery typically within 15-30 days.
Expansion Thesis: Antigua and Barbados
Building on our established success in Haiti and the Dominican Republic, JAACK & CO LLC. is strategically poised for expansion into the high-potential markets of Antigua and Barbados. These markets offer significant advantages for growth and increased profitability.
Why These Markets?
Modern Ports & Reliable Shipping: Efficient logistics minimize delays and costs.
Establish bonded warehousing and initial stock of high-demand products.
Onboard Priority Clients
Engage key wholesale buyers and establish foundational relationships.
Lock Distribution & Trucking
Finalize reliable local transportation and delivery networks.
Expand SKU Range
Diversify product offerings based on early market feedback.
Convert Repeat Buyers
Implement strategies to foster long-term customer loyalty and recurring orders.
Outcome: This strategic expansion is projected to lift our total output capacity by 40% or more across all four markets within 12 months, solidifying our regional leadership.
Shipment Economics. Margin proof
Gross Margin
Shipment 1: 59% Shipment 2: 65%
A significant 6% increase under standard conditions.
Gross Profit per Container
Shipment 1: 165,019 Shipment 2: 181,533
An additional $16,514 in profit made.
Key Takeaway
Lower port costs and faster clearance add about $16,514 gross profit per container under standard conditions. The margin delta is logistics control, not demand.
Detailed breakdown of shipment economics:
Use of Funds: Scaled to $1,008,000 Total
We are requesting $1,008,000 to execute our expansion strategy, maintaining the exact proportional distribution from our proven business model. This ensures no change to our successful pricing or unit economics, replicating our profitable approach in Antigua and Barbados.
This allocation directly supports operational readiness and financial stability in the new markets, covering all essential aspects from inventory to contingency planning.
Each country (Antigua and Barbados) will receive exactly half of these allocated amounts, totaling $504,000 per market.
T-12 Cash Plan: Month-by-Month with AR Lag
This detailed 12-month cash plan provides bank-ready transparency, accounting for every dollar invested and received. Sales are projected to begin in Month 5, with cash receipts following a typical 30-day accounts receivable lag, starting in Month 6.
Initial Capital Deployment
A significant portion of funds in Month 1 covers critical setup costs, including major CapEx for storage and fleet, initial inventory, and establishing reserves.
Staged Inventory & Port Fees
Inventory procurement and associated port fees are strategically staggered across Months 1, 3, 5, and 7 to align with sales projections and optimize cash flow.
Revenue Generation & Lag
Sales initiate in Month 5, with revenue collections beginning in Month 6 due to the 30-day accounts receivable cycle, impacting cash flow dynamics.
Dynamic Facility Draw
The facility draw adjusts monthly, accessing only the necessary funds to cover operational expenses and maintain reserves, minimizing interest accrual at 10.5% APR.
Cash Flow Summary (Dollars)
This table summarizes the total monthly cash uses, projected sales receipts, accrued interest expense, and the calculated facility draw required to maintain operations and cover expenditures.
Monthly Cash Flow Projections
A detailed breakdown of monthly financial uses and sources, providing insight into capital allocation and facility draw requirements.
The chart above illustrates the monthly facility draw, highlighting the initial significant draw in M1 and subsequent fluctuations.
Monthly Cash Flow Projections: Invoiced Revenue vs. Cash Receipts
This chart clearly illustrates the expected sales ramp-up and the subsequent impact of the 30-day accounts receivable lag on cash receipts. Understanding this delay is crucial for managing working capital effectively.
This projection highlights the steady growth in both invoiced revenue and the subsequent cash inflows, demonstrating the robust financial trajectory of our expansion.
Year 1 Financial Projections: Three Scenarios
We've modeled three distinct scenarios for Year 1, demonstrating a range of potential outcomes from conservative to optimistic. Our margins are carefully set to preserve a cushion below our performance in Haiti and the Dominican Republic, ensuring that even our pessimistic scenario avoids losses and maintains financial stability.
Our Debt Service Coverage Ratio (DSCR) is targeted at approximately 1.35 times from Month 7 onward, based on an interest-only repayment structure. Should the lender prefer a small principal repayment towards year-end, we can facilitate this by escrowing principal amounts from Months 10 to 12 without negatively impacting our core operations.
Five year baseline. Scaled from verified performance
Year 1 baseline at $1,008,000 with 22 percent net. 12 percent price cushion and operating cost impact held near 10 percent of gross return.
1
2
3
4
5
1
Year 1: $1.01M Revenue
2
Year 2: $1.61M Revenue
3
Year 3: $2.22M Revenue
4
Year 4: $2.82M Revenue
5
Year 5: $3.43M Revenue
Cumulative Five-Year Net Profit: $2,439,360
This substantial cumulative profit highlights the robust and sustained financial health of our projected operations over the five-year period.
Consistent 22% Net Margin
Our financial models maintain a consistent 22% net margin across all five years, demonstrating stable operational efficiency and strong profitability.
These projections demonstrate a strong, consistent growth trajectory, scaling revenue from just over $1 million in Year 1 to more than $3.4 million by Year 5. This scaling is driven by our verified performance and strategic operational efficiencies, ensuring a stable net margin throughout the period. Our approach is designed to leverage existing market success and expand reach while maintaining fiscal discipline.
Five Year Growth Trajectory - Alternative View
Building from our $1.01M Year 1 foundation, we project consistent 22% net margins driving substantial cumulative returns over five years.
This chart clearly illustrates the projected revenue growth and corresponding net profit increases over the five-year period, demonstrating a strong upward trajectory.
$3.43M
Year 5 Revenue
Projected revenue by the fifth year.
22%
Consistent Net Margin
Our financial models maintain a consistent net margin across all five years.
$2.44M
Total Net Profit
Cumulative net profit generated over the five-year projection.
Revenue & Profit Scaling - Visual Dashboard
Our proven model scales predictably: 22% net margins maintained across all five years with disciplined operational execution.
Year 3: $2.2M Revenue Milestone
By Year 3, our revenue is projected to reach $2.22 million, signifying a significant scaling achievement.
Year 5: $3.4M Revenue Target
Our five-year plan culminates in a $3.43 million revenue target, demonstrating robust long-term growth.
$11.09M
Total 5-Year Revenue
The cumulative revenue over the five-year projection period.
This visual dashboard reinforces our commitment to strategic market expansion and leveraging operational efficiencies. The consistent net margin, coupled with aggressive but achievable revenue growth, positions us for long-term financial success and sustained value creation.
Banking Connectivity & Compliance
All repayments are processed in USD with full SWIFT traceability, ensuring secure and transparent international transactions.
Haiti
Unibank via Citibank New York (CITIUS33)
Sogebank via Bank of America (BOFAUS3N)
Dominican Republic
BanReservas via JPMorgan Chase (BRRDDOSD)
Banco Popular via Wells Fargo
Antigua & Barbados
CIBC FirstCaribbean
Republic Bank Barbados
ECAB
Robust Compliance Measures
We adhere to full AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations across all our banking relationships. All transfers are traceable and consistently delivered on time, minimizing operational risk and ensuring financial integrity.
Repayment Options and Outcomes
We present two distinct repayment structures for the $1,008,000 ask, each designed to align with our growth strategy while offering attractive returns.
Option A: Balloon Repayment
This structure prioritizes liquidity during our critical scaling phase, deferring principal repayment until maturity.
Term: Five years
Interest: 10.5% annual, deferred and compounded
Maturity: Balloon payment of $1,660,626
No interim principal required
Five-Year Baseline Outcome (22% Net):
Lender Receives: $1,660,626
Net to JAACKCO: $778,734 (after debt)
Option B: Profit Participation
This option offers a lower fixed cost of capital, aligning a portion of the return with our success in unit sales.
Fixed Yield: 7% annual ($70,560 per year)
Variable Bonus: $3 per unit sold above a defined baseline
Distributions: Quarterly or semi-annual
Five-Year Baseline Outcome (22% Net):
Lender Receives: $352,800 (fixed, before unit bonus)
Net to JAACKCO: $2,086,560 (before unit bonus)
Decision Frame: Strategic Choices
Choose Option A to maximize immediate liquidity for aggressive scaling. Opt for Option B to minimize the fixed cost of capital, ensuring the unit bonus is applied only above a clearly defined and achievable baseline.
Security and Risk Controls
Our comprehensive security package and robust risk controls are designed to protect our assets and ensure consistent operational stability, providing a secure investment environment.
Security Package
First lien on inventory and receivables.
Controlled account with daily sweep.
Borrowing base at 60-70% of eligible receivables and 40-50% of eligible inventory.
Personal guarantees with step down after covenant compliance.
Corporate reserve account maintained at $250,000.
Cross collateralization across JAACKCO entities.
Insurance assignments naming lender as loss payee.
Risk Controls
Pricing cushion of 20-30%.
Inventory buffer of 60 days.
Alternate ports approved for flexibility.
On-site port manager with monthly presence.
Operating cost impact targeted at 10% of gross return.
Verified internal reporting with monthly packages and semi-annual reviews.
Layered Protection for Investment Integrity
Each measure, from financial liens to operational buffers, is strategically implemented to mitigate risks and safeguard your investment throughout our growth trajectory.