In consumer goods it is not too uncommon to have multiple layers in the distribution channel between you and the ultimate consumer of your product? This is part of the "fingerprint" I spoke about. For example, you might have a representative take 7%, distributor take 35% and retailer 25% off list. So, yes, the manufacturer never sees list price pouring into its bank account.
Financial folks outhouse with lots of business experience are familiar with the supply chain and distribution channel fingerprints across a number of business types. Armed with this data you can certainly do some quick back-of-the-napkin calculations to understand the basics of a proposed venture.