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11-Feb-15 Amount Totals Depreciation Notes $0 0 20.00 years 0 7.00 years 0 7.00 years 0 5.00 years 0 5.00 years 0 5.00 years 0 0 0 0 0 0 0 0 0 0 0 0 0 $0 Amount Totals Loan Rate Term in Months Monthly Payments 0.00% 0 0.00% 0 0.00% 0 9.00% 84.00 $0.00 0.00% 0 9.00% 240.00 $0.00 0.00% $0 $0.00 Corp Projected Growth BPlan, Inc. Required Start-Up Funds Required Start-Up Funds Fixed Assets Real Estate Buildings Leasehold Improvements Equipment Furniture and Fixtures Vehicles Other Fixed Assets Total Fixed Assets Operating Capital Pre-Opening Salaries and Wages Prepaid Insurance Premiums Beginning Inventory Legal and Accounting Fees Rent Deposits Utility Deposits Supplies Advertising and Promotions Licenses Other Initial Start-Up Costs Working Capital (Cash On Hand) Total Operating Capital Total Required Funds Sources of Funding Owner's Cash Injection Outside Investors Additional Loans or Debt Commercial Loan Commercial Mortgage Total Sources of Funding
11-Feb-15 # Assumptions Wage Base Monthly Year One Year Two Year Three 3.00% 3.00% 0 $0 0 0 0 0 0 0 0 0 0 0 0 0 0 40.00 $9.00 0 0 0 0 0 20.00 $9.00 0 0 0 0 0 0 0 0 0 6.20% $102,000 0 0 0 0 1.45% 0 0 0 0 0.80% $7,000 0 0 0 0 2.70% $7,000 0 0 0 0 0.00% 0 0 0 0 0.00% 0 0 0 0 0.00% 0 0 0 0 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Salaries and Wages Salaries and Related Expenses Percent Change Salaries and Wages Officer's Compensation Salaries Wages Full-Time Employees Estimated Hours Per Wee Estimated Rate Per Hour Part-Time Employees Estimated Hours Per Wee Estimated Rate Per Hour Independent Contractors Total Salaries and Wages Payroll Taxes and Benefits Social Security Medicare Federal Unemployment Tax (FUT State Unemployment Tax (SUTA) Employee Pension Programs Worker's Compensation Employee Health Insurance Other Employee Benefit Program Total Payroll Taxes and Benefits Total Salaries and Related Expenses
11-Feb-15 Monthly Year One Year Two Year Three Notes 3.00% 3.00% $0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Fixed Operating Expenses Fixed Operating Expenses Percent Change Expenses Advertising Car and Truck Expenses Commissions and Fees Contract Labor Credit Card and Bank Charges Customer Discounts and Refunds Dues and Subscriptions Entertainment Insurance (Liability and Property) Internet Legal and Professional Fees Office Expenses Postage and Delivery Rent (on business property) Rent of Vehicles and Equipment Repairs and Maintenance Supplies Telephone and Communications Travel Utilities Total Expenses Other Expenses Depreciation Interest Commercial Loan Commercial Mortgage Line of Credit Total Other Expenses Total Fixed Operating Expenses
11-Feb-15 Assumptions % Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals $0.00 100.00% $0.00 0.00% $0.00 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 50.00% $0 0 0 0 0 0.00% $0.00 0 $0.00 100.00% $0.00 0.00% $0.00 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 16.67% $0 0 0 0 0 0.00% $0.00 0 Corp Projected Growth BPlan, Inc. Projected Sales Forecast Products and Services Product/Service A Price Per Unit Variable Cost Per Unit Gross Margin Per Unit Projected Unit Sales Seasonality Factor Year One Year Two Growth Year Three Growth Fixed Expense Allocation Projected Revenue Variable Costs Gross Margin Fixed Expenses Profit Breakeven Sales Revenue Breakeven Sales Units Product/Service B Price Per Unit Variable Cost Per Unit Gross Margin Per Unit Projected Unit Sales Seasonality Factor Year One Year Two Growth Year Three Growth Fixed Expense Allocation Projected Revenue Variable Costs Gross Margin Fixed Expenses Profit Breakeven Sales Revenue Breakeven Sales Units
11-Feb-15 Assumptions % Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals $0.00 100.00% $0.00 0.00% $0.00 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 16.67% $0 0 0 0 0 0.00% $0.00 0 $0.00 100.00% $0.00 0.00% $0.00 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 16.67% $0 0 0 0 0 0.00% $0.00 0 Corp Projected Growth BPlan, Inc. Projected Sales Forecast - Page 2 Products and Services Product/Service C Price Per Unit Variable Cost Per Unit Gross Margin Per Unit Projected Unit Sales Seasonality Factor Year One Year Two Growth Year Three Growth Fixed Expense Allocation Projected Revenue Variable Costs Gross Margin Fixed Expenses Profit Breakeven Sales Revenue Breakeven Sales Units Product/Service D Price Per Unit Variable Cost Per Unit Gross Margin Per Unit Projected Unit Sales Seasonality Factor Year One Year Two Growth Year Three Growth Fixed Expense Allocation Projected Revenue Variable Costs Gross Margin Fixed Expenses Profit Breakeven Sales Revenue Breakeven Sales Units
11-Feb-15 100.00% 0.00% 0.00% 100.00% 100.00% 0.00% 0.00% 100.00% $0.00 9.00% 0.00% 0 0 0 0 3.00 0 Corp Projected Growth BPlan, Inc. Cash Receipts and Disbursements Accounts Receivable Collections Percent of Collections 0 to 30 days 31 to 60 days More than 60 days Total Collections Percentage Accounts Payable Disbursements Number of Days to Pay Suppliers 0 to 30 days 31 to 60 days More than 60 days Total Disbursements Percentage Line of Credit Assumptions Desired Minimum Cash Balance Line of Credit Interest Rate Income Tax Assumptions Effective Income Tax Rate Amortization of Start-Up Expenses Amortization Period in Years
12/31/12 % 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Balance Sheet (Prior EOY) Assets Current Assets Cash Accounts Receivable Inventory Prepaid Expenses Other Current Total Current Assets Fixed Assets Real Estate Buildings Leasehold Improvements Equipment Furniture and Fixtures Vehicles Other Fixed Assets Total Fixed Assets Less: Accumulated Depreciation Total Assets Liabilities and Owner's Equity Liabilities Accounts Payable Notes Payable Mortgage Payable Line of Credit Balance Total Liabilities Owner's Equity
0 0 0 0 0 Statement Balances Common Stock Retained Earnings Dividends Dispersed Total Owner's Equity Total Liabilities and Owner's Equity
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Income Statement - Year One Income Product/Service A Product/Service B Total Income Cost of Sales Product/Service A Product/Service B Total Cost of Sales Gross Margin Salaries and Wages Officer's Compensation Salaries Full-Time Employees Part-Time Employees Independent Contractors Payroll Taxes and Benefits Total Salary and Wages Fixed Business Expenses Advertising Car and Truck Expenses Commissions and Fees Contract Labor Credit Card and Bank Charges Customer Discounts and Refunds Dues and Subscriptions Entertainment Insurance (Liability and Property) Internet Legal and Professional Fees Office Expenses Postage and Delivery Rent (on business property) Rent of Vehicles and Equipment Repairs and Maintenance Supplies Telephone and Communications Travel Utilities Total Fixed Business Expenses
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Other Expenses Amortized Start-up Expenses Depreciation Interest Commercial Loan Commercial Mortgage Line of Credit Taxes Total Other Expenses Net Income
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Cash Flow Statement - Year One Beginning Cash Balance Cash Inflows Income from Sales Accounts Receivable Total Cash Inflows Cash Outflows Investing Activities New Capital Purchases Inventory Purchases Cost of Sales Operating Activities Salaries and Wages Fixed Business Expenses Taxes Financing Activities Loan Payments Line of Credit Interest Line of Credit Repayments Dividends Paid Total Cash Outflows Cash Flow Operating Cash Balance Line of Credit Drawdowns Ending Cash Balance Line of Credit Balance
Base Period End of Year One 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Balance Sheet - Year One Assets Current Assets Cash Accounts Receivable Inventory Prepaid Expenses Other Current Total Current Assets Fixed Assets Real Estate Buildings Leasehold Improvements Equipment Furniture and Fixtures Vehicles Other Fixed Assets Total Fixed Assets Less: Accumulated Depreciation Total Assets Liabilities and Owner's Equity Liabilities Accounts Payable Notes Payable Mortgage Payable Line of Credit Balance Total Liabilities Owner's Equity
0 0 0 0 0 0 0 0 0 0 Statement Balances Statement Balances Common Stock Retained Earnings Dividends Dispersed Total Owner's Equity Total Liabilities and Owner's Equity
Year One % Year Two % Year Three % 0 0 0 0 0 0 0 0 0 0 0 0 0 100.00% 0 100.00% 0 100.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0.00% 0 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Year End Summary Income Product/Service A Product/Service B Total Income Cost of Sales Product/Service A Product/Service B Total Cost of Sales Gross Margin Salaries and Wages Officer's Compensation Salaries Full-Time Employees Part-Time Employees Independent Contractors Payroll Taxes and Benefits Total Salary and Wages Fixed Business Expenses Advertising Car and Truck Expenses Commissions and Fees Contract Labor Credit Card and Bank Charges Customer Discounts and Refunds Dues and Subscriptions Entertainment Insurance (Liability and Property) Internet Legal and Professional Fees Office Expenses Postage and Delivery Rent (on business property) Rent of Vehicles and Equipment Repairs and Maintenance
0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0.00% 0 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% Supplies Telephone and Communications Travel Utilities Total Fixed Business Expenses Other Expenses Amortized Start-up Expenses Depreciation Interest Commercial Loan Commercial Mortgage Line of Credit Taxes Total Other Expenses Net Income
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Income Statement - Year Two Income Product/Service A Product/Service B Total Income Cost of Sales Product/Service A Product/Service B Total Cost of Sales Gross Margin Salaries and Wages Officer's Compensation Salaries Full-Time Employees Part-Time Employees Independent Contractors Payroll Taxes and Benefits Total Salary and Wages Fixed Business Expenses Advertising Car and Truck Expenses Commissions and Fees Contract Labor Credit Card and Bank Charges Customer Discounts and Refunds Dues and Subscriptions Entertainment Insurance (Liability and Property) Internet Legal and Professional Fees Office Expenses Postage and Delivery Rent (on business property) Rent of Vehicles and Equipment Repairs and Maintenance Supplies Telephone and Communications Travel Utilities Total Fixed Business Expenses
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Other Expenses Amortized Start-up Expenses Depreciation Interest Commercial Loan Commercial Mortgage Line of Credit Taxes Total Other Expenses Net Income
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Cash Flow Statement - Year Two Beginning Cash Balance Cash Inflows Income from Sales Accounts Receivable Total Cash Inflows Cash Outflows Investing Activities New Capital Purchases Inventory Purchases Cost of Sales Operating Activities Salaries and Wages Fixed Business Expenses Taxes Financing Activities Loan Payments Line of Credit Interest Line of Credit Repayments Dividends Paid Total Cash Outflows Cash Flow Operating Cash Balance Line of Credit Drawdowns Ending Cash Balance Line of Credit Balance
End of Year One End of Year Two 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Balance Sheet - Year Two Assets Current Assets Cash Accounts Receivable Inventory Prepaid Expenses Other Current Total Current Assets Fixed Assets Real Estate Buildings Leasehold Improvements Equipment Furniture and Fixtures Vehicles Other Fixed Assets Total Fixed Assets Less: Accumulated Depreciation Total Assets Liabilities and Owner's Equity Liabilities Accounts Payable Notes Payable Mortgage Payable Line of Credit Balance Total Liabilities Owner's Equity
0 0 0 0 0 0 0 0 0 0 Statement Balances Statement Balances Common Stock Retained Earnings Dividends Dispersed Total Owner's Equity Total Liabilities and Owner's Equity
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Income Statement - Year Three Income Product/Service A Product/Service B Total Income Cost of Sales Product/Service A Product/Service B Total Cost of Sales Gross Margin Salaries and Wages Officer's Compensation Salaries Full-Time Employees Part-Time Employees Independent Contractors Payroll Taxes and Benefits Total Salary and Wages Fixed Business Expenses Advertising Car and Truck Expenses Commissions and Fees Contract Labor Credit Card and Bank Charges Customer Discounts and Refunds Dues and Subscriptions Entertainment Insurance (Liability and Property) Internet Legal and Professional Fees Office Expenses Postage and Delivery Rent (on business property) Rent of Vehicles and Equipment Repairs and Maintenance Supplies Telephone and Communications Travel Utilities Total Fixed Business Expenses
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Other Expenses Amortized Start-up Expenses Depreciation Interest Commercial Loan Commercial Mortgage Line of Credit Taxes Total Other Expenses Net Income
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Cash Flow Statement - Year Three Beginning Cash Balance Cash Inflows Income from Sales Accounts Receivable Total Cash Inflows Cash Outflows Investing Activities New Capital Purchases Inventory Purchases Cost of Sales Operating Activities Salaries and Wages Fixed Business Expenses Taxes Financing Activities Loan Payments Line of Credit Interest Line of Credit Repayments Dividends Paid Total Cash Outflows Cash Flow Operating Cash Balance Line of Credit Drawdowns Ending Cash Balance Line of Credit Balance
End of Year Two End of Year Three 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Balance Sheet - Year Three Assets Current Assets Cash Accounts Receivable Inventory Prepaid Expenses Other Current Total Current Assets Fixed Assets Real Estate Buildings Leasehold Improvements Equipment Furniture and Fixtures Vehicles Other Fixed Assets Total Fixed Assets Less: Accumulated Depreciation Total Assets Liabilities and Owner's Equity Liabilities Accounts Payable Notes Payable Mortgage Payable Line of Credit Balance Total Liabilities Owner's Equity
0 0 0 0 0 0 0 0 0 0 Statement Balances Statement Balances Common Stock Retained Earnings Dividends Dispersed Total Owner's Equity Total Liabilities and Owner's Equity
Year One Year Two Year Three 0.00 [1] 0.00 0.00 0.00 [2] 0.00 0.00 0.00 [3] 0.00 0.00 0.00 [4] 0.00 0.00 0.00 [5] 0.00 0.00 0.00 [6] 0.00 0.00 0.00 [7] 0.00 0.00 0.00 [8] 0.00 0.00 0.00 [9] 0.00 0.00 0.00 [10] 0.00 0.00 0.00 [11] 0.00 0.00 0.00 [12] 0.00 0.00 0.00 [13] 0.00 0.00 0.00 [14] 0.00 0.00 0.00 [15] 0.00 0.00 0.00 [16] 0.00 0.00 0.00 [17] 0.00 0.00 Corp Projected Growth BPlan, Inc. Financial Ratios Ratio Liquidity Current Ratio Quick Ratio Safety Debt to Equity Ratio Debt to Coverage Ratio Profitability Sales Growth COGS to Sales Gross Profit Margin SG&A to Sales Net Profit Margin Return on Equity Return on Assets Owner's Compensation to Sales Efficiency Days in Receivables Accounts Receivable Turnover Days in Inventory Inventory Turnover Sales to Total Assets
Dollars Percent $0 100.00% 0 0.00% 0 0.00% 0 0 0 0 0.00% $0 to do ? variable costs Corp Projected Growth BPlan, Inc. Breakeven Analysis Breakeven Analysis Annual Sales Revenue Cost of Sales Gross Margin Salaries and Wages Fixed Operating Expenses Total Fixed Business Expenses Breakeven Sales Calculation Breakeven Sales in Dollars
Assumptions yrs Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals $0 9.00% 84.00 7 $0.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 $0.00 9.00% 240.00 $0.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Amortization Schedule Loan Type Commercial Loan Principal Amount Interest Rate Loan Term in Months Monthly Payment Amoun Year One Interest Principal Loan Balance Year Two Interest Principal Loan Balance Year Three Interest Principal Loan Balance Commercial Mortgage Principal Amount Interest Rate Loan Term in Months Monthly Payment Amoun Year One Interest Principal Loan Balance Year Two Interest Principal Loan Balance Year Three Interest Principal Loan Balance
Value 0.00% 0.00% 9.00% 84 9.00% 240.00 0.00% 0.00% $0 0.00% 0.00% $0 0.00% $0 $0 0.00% 0 0 0.00% Corp Projected Growth BPlan, Inc. Financial Diagnostics This sheet performs a few tests on your numbers to see if they seem within certain reasonable ranges. Remember, no computer can tell whether your projections are truly well-constructed, only a human can do that. But these tests can at least look for values that are critically out of range. Financial Diagnostics Notes: Observations & Assessments General Financing Assumptions Owner's Cash Injection into the Business Owner's injection might be too low in relation to the amount Cash Request as percent of Total Required Funds Cash request seems reasonable with respect to total request Loan Assumptions Commercial Loan Interest rate Interest rate seems reasonable Commercial Loan Term in Months Loan term seems within range for this type of loan Commercial Mortgage Interest rate Interest rate seems reasonable Commercial Mortgage Term in Months Loan term seems within range for this type of loan Loan Payments as a Percent of Projected Sales Calculated loan payments as a percent of sales seem reson Income Statement Gross Margin as a Percent of Sales Gross margin percentage seems very low Owner's Compensation Lower Limit Check An owner's compensation amount has not been established Owner's Compensation Upper Limit Check Owner's compensation seems reasonable Advertising Expense Levels as a Percent of Sales Advertising as a percent of sales may be too low Profitability Levels The business is showing a profit Profitability as a Percent of Sales The projection does not seem highly unreasonable Cash Flow Statement Desired Operating cash Flow Levels The financial projection provides the desired level of cash flo Line of Credit Drawdowns The business doesn't seem to require a line of credit Accounts Receivable Ratio to Sales Accounts receivable amount as a percent of sales seems re Balance Sheet Does the Base Period Balance Sheet Balance? The balance sheet does balance Does the Final Balance Sheet Balance The balance sheet does balance Debt to Equity Ratio The debt to equity ratio seems reasonable
$0 Breakeven Analysis Breakeven Levels The sales projection is less than the break-even amount
[1] An indication of a company's ability to meet short-term debt obligations. [2] The ratio between all assets quickly convertible into cash and current liabilities. Measures a company's liquidity. Also called acid-test ratio. [3] This ratio expresses the relationship between capital contributed by creditors and that contributed by owners. [4] This ratio indicates how well your cash flow covers debt and the capability of the business to take on additional debt. [5] This ratio calculates the percentage of increase (or decrease) in sales between the current year and the previous year. [6] The percentage of sales used to pay for the COGS (expenses which directly vary with sales) is expressed in this ratio. [7] This ratio indicates how much profit is earned on your products without consideration of indirect costs, selling and administration costs. [8] This ratio measures the percentage of selling, general and administrative costs to your amount of sales. [9] Net profit margin shows how much profit comes from every dollar of sales. [10] Return on equity determines the rate of return on your investment in the business. As an owner or shareholder this is one of the most important ratios as it shows the hard fact about the business - are you making enough of a profit to compensate you for the risk of being in business? [11] This ratio measures how effectively assets are used to generate a return. [12] This ratio measures the owner's compensation as a percentage of sales. [13] Days in receivable calculates the average number of days it takes to collect your account receivable (number of days of sales in receivables). [14] This ratio tells you the number of times accounts receivable turnover during the year. [15] This ratio shows the average number of days it will take to sell your inventory. [16] This ratio calculates the number of times inventory is turned over (or sold) during the year. [17] This ratio indicates how efficiently your business generates sales on every dollar of assets.

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Worksheets - Integrated Financial Projections - Google Sheets

  • 1. 11-Feb-15 Amount Totals Depreciation Notes $0 0 20.00 years 0 7.00 years 0 7.00 years 0 5.00 years 0 5.00 years 0 5.00 years 0 0 0 0 0 0 0 0 0 0 0 0 0 $0 Amount Totals Loan Rate Term in Months Monthly Payments 0.00% 0 0.00% 0 0.00% 0 9.00% 84.00 $0.00 0.00% 0 9.00% 240.00 $0.00 0.00% $0 $0.00 Corp Projected Growth BPlan, Inc. Required Start-Up Funds Required Start-Up Funds Fixed Assets Real Estate Buildings Leasehold Improvements Equipment Furniture and Fixtures Vehicles Other Fixed Assets Total Fixed Assets Operating Capital Pre-Opening Salaries and Wages Prepaid Insurance Premiums Beginning Inventory Legal and Accounting Fees Rent Deposits Utility Deposits Supplies Advertising and Promotions Licenses Other Initial Start-Up Costs Working Capital (Cash On Hand) Total Operating Capital Total Required Funds Sources of Funding Owner's Cash Injection Outside Investors Additional Loans or Debt Commercial Loan Commercial Mortgage Total Sources of Funding
  • 2. 11-Feb-15 # Assumptions Wage Base Monthly Year One Year Two Year Three 3.00% 3.00% 0 $0 0 0 0 0 0 0 0 0 0 0 0 0 0 40.00 $9.00 0 0 0 0 0 20.00 $9.00 0 0 0 0 0 0 0 0 0 6.20% $102,000 0 0 0 0 1.45% 0 0 0 0 0.80% $7,000 0 0 0 0 2.70% $7,000 0 0 0 0 0.00% 0 0 0 0 0.00% 0 0 0 0 0.00% 0 0 0 0 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Salaries and Wages Salaries and Related Expenses Percent Change Salaries and Wages Officer's Compensation Salaries Wages Full-Time Employees Estimated Hours Per Wee Estimated Rate Per Hour Part-Time Employees Estimated Hours Per Wee Estimated Rate Per Hour Independent Contractors Total Salaries and Wages Payroll Taxes and Benefits Social Security Medicare Federal Unemployment Tax (FUT State Unemployment Tax (SUTA) Employee Pension Programs Worker's Compensation Employee Health Insurance Other Employee Benefit Program Total Payroll Taxes and Benefits Total Salaries and Related Expenses
  • 3. 11-Feb-15 Monthly Year One Year Two Year Three Notes 3.00% 3.00% $0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Fixed Operating Expenses Fixed Operating Expenses Percent Change Expenses Advertising Car and Truck Expenses Commissions and Fees Contract Labor Credit Card and Bank Charges Customer Discounts and Refunds Dues and Subscriptions Entertainment Insurance (Liability and Property) Internet Legal and Professional Fees Office Expenses Postage and Delivery Rent (on business property) Rent of Vehicles and Equipment Repairs and Maintenance Supplies Telephone and Communications Travel Utilities Total Expenses Other Expenses Depreciation Interest Commercial Loan Commercial Mortgage Line of Credit Total Other Expenses Total Fixed Operating Expenses
  • 4. 11-Feb-15 Assumptions % Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals $0.00 100.00% $0.00 0.00% $0.00 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 50.00% $0 0 0 0 0 0.00% $0.00 0 $0.00 100.00% $0.00 0.00% $0.00 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 16.67% $0 0 0 0 0 0.00% $0.00 0 Corp Projected Growth BPlan, Inc. Projected Sales Forecast Products and Services Product/Service A Price Per Unit Variable Cost Per Unit Gross Margin Per Unit Projected Unit Sales Seasonality Factor Year One Year Two Growth Year Three Growth Fixed Expense Allocation Projected Revenue Variable Costs Gross Margin Fixed Expenses Profit Breakeven Sales Revenue Breakeven Sales Units Product/Service B Price Per Unit Variable Cost Per Unit Gross Margin Per Unit Projected Unit Sales Seasonality Factor Year One Year Two Growth Year Three Growth Fixed Expense Allocation Projected Revenue Variable Costs Gross Margin Fixed Expenses Profit Breakeven Sales Revenue Breakeven Sales Units
  • 5. 11-Feb-15 Assumptions % Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals $0.00 100.00% $0.00 0.00% $0.00 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 16.67% $0 0 0 0 0 0.00% $0.00 0 $0.00 100.00% $0.00 0.00% $0.00 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 10.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 16.67% $0 0 0 0 0 0.00% $0.00 0 Corp Projected Growth BPlan, Inc. Projected Sales Forecast - Page 2 Products and Services Product/Service C Price Per Unit Variable Cost Per Unit Gross Margin Per Unit Projected Unit Sales Seasonality Factor Year One Year Two Growth Year Three Growth Fixed Expense Allocation Projected Revenue Variable Costs Gross Margin Fixed Expenses Profit Breakeven Sales Revenue Breakeven Sales Units Product/Service D Price Per Unit Variable Cost Per Unit Gross Margin Per Unit Projected Unit Sales Seasonality Factor Year One Year Two Growth Year Three Growth Fixed Expense Allocation Projected Revenue Variable Costs Gross Margin Fixed Expenses Profit Breakeven Sales Revenue Breakeven Sales Units
  • 6. 11-Feb-15 100.00% 0.00% 0.00% 100.00% 100.00% 0.00% 0.00% 100.00% $0.00 9.00% 0.00% 0 0 0 0 3.00 0 Corp Projected Growth BPlan, Inc. Cash Receipts and Disbursements Accounts Receivable Collections Percent of Collections 0 to 30 days 31 to 60 days More than 60 days Total Collections Percentage Accounts Payable Disbursements Number of Days to Pay Suppliers 0 to 30 days 31 to 60 days More than 60 days Total Disbursements Percentage Line of Credit Assumptions Desired Minimum Cash Balance Line of Credit Interest Rate Income Tax Assumptions Effective Income Tax Rate Amortization of Start-Up Expenses Amortization Period in Years
  • 7. 12/31/12 % 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Balance Sheet (Prior EOY) Assets Current Assets Cash Accounts Receivable Inventory Prepaid Expenses Other Current Total Current Assets Fixed Assets Real Estate Buildings Leasehold Improvements Equipment Furniture and Fixtures Vehicles Other Fixed Assets Total Fixed Assets Less: Accumulated Depreciation Total Assets Liabilities and Owner's Equity Liabilities Accounts Payable Notes Payable Mortgage Payable Line of Credit Balance Total Liabilities Owner's Equity
  • 8. 0 0 0 0 0 Statement Balances Common Stock Retained Earnings Dividends Dispersed Total Owner's Equity Total Liabilities and Owner's Equity
  • 9. Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Income Statement - Year One Income Product/Service A Product/Service B Total Income Cost of Sales Product/Service A Product/Service B Total Cost of Sales Gross Margin Salaries and Wages Officer's Compensation Salaries Full-Time Employees Part-Time Employees Independent Contractors Payroll Taxes and Benefits Total Salary and Wages Fixed Business Expenses Advertising Car and Truck Expenses Commissions and Fees Contract Labor Credit Card and Bank Charges Customer Discounts and Refunds Dues and Subscriptions Entertainment Insurance (Liability and Property) Internet Legal and Professional Fees Office Expenses Postage and Delivery Rent (on business property) Rent of Vehicles and Equipment Repairs and Maintenance Supplies Telephone and Communications Travel Utilities Total Fixed Business Expenses
  • 10. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Other Expenses Amortized Start-up Expenses Depreciation Interest Commercial Loan Commercial Mortgage Line of Credit Taxes Total Other Expenses Net Income
  • 11. Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Cash Flow Statement - Year One Beginning Cash Balance Cash Inflows Income from Sales Accounts Receivable Total Cash Inflows Cash Outflows Investing Activities New Capital Purchases Inventory Purchases Cost of Sales Operating Activities Salaries and Wages Fixed Business Expenses Taxes Financing Activities Loan Payments Line of Credit Interest Line of Credit Repayments Dividends Paid Total Cash Outflows Cash Flow Operating Cash Balance Line of Credit Drawdowns Ending Cash Balance Line of Credit Balance
  • 12. Base Period End of Year One 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Balance Sheet - Year One Assets Current Assets Cash Accounts Receivable Inventory Prepaid Expenses Other Current Total Current Assets Fixed Assets Real Estate Buildings Leasehold Improvements Equipment Furniture and Fixtures Vehicles Other Fixed Assets Total Fixed Assets Less: Accumulated Depreciation Total Assets Liabilities and Owner's Equity Liabilities Accounts Payable Notes Payable Mortgage Payable Line of Credit Balance Total Liabilities Owner's Equity
  • 13. 0 0 0 0 0 0 0 0 0 0 Statement Balances Statement Balances Common Stock Retained Earnings Dividends Dispersed Total Owner's Equity Total Liabilities and Owner's Equity
  • 14. Year One % Year Two % Year Three % 0 0 0 0 0 0 0 0 0 0 0 0 0 100.00% 0 100.00% 0 100.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0.00% 0 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Year End Summary Income Product/Service A Product/Service B Total Income Cost of Sales Product/Service A Product/Service B Total Cost of Sales Gross Margin Salaries and Wages Officer's Compensation Salaries Full-Time Employees Part-Time Employees Independent Contractors Payroll Taxes and Benefits Total Salary and Wages Fixed Business Expenses Advertising Car and Truck Expenses Commissions and Fees Contract Labor Credit Card and Bank Charges Customer Discounts and Refunds Dues and Subscriptions Entertainment Insurance (Liability and Property) Internet Legal and Professional Fees Office Expenses Postage and Delivery Rent (on business property) Rent of Vehicles and Equipment Repairs and Maintenance
  • 15. 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0.00% 0 0.00% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% 0 0.00% Supplies Telephone and Communications Travel Utilities Total Fixed Business Expenses Other Expenses Amortized Start-up Expenses Depreciation Interest Commercial Loan Commercial Mortgage Line of Credit Taxes Total Other Expenses Net Income
  • 16. Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Income Statement - Year Two Income Product/Service A Product/Service B Total Income Cost of Sales Product/Service A Product/Service B Total Cost of Sales Gross Margin Salaries and Wages Officer's Compensation Salaries Full-Time Employees Part-Time Employees Independent Contractors Payroll Taxes and Benefits Total Salary and Wages Fixed Business Expenses Advertising Car and Truck Expenses Commissions and Fees Contract Labor Credit Card and Bank Charges Customer Discounts and Refunds Dues and Subscriptions Entertainment Insurance (Liability and Property) Internet Legal and Professional Fees Office Expenses Postage and Delivery Rent (on business property) Rent of Vehicles and Equipment Repairs and Maintenance Supplies Telephone and Communications Travel Utilities Total Fixed Business Expenses
  • 17. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Other Expenses Amortized Start-up Expenses Depreciation Interest Commercial Loan Commercial Mortgage Line of Credit Taxes Total Other Expenses Net Income
  • 18. Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Cash Flow Statement - Year Two Beginning Cash Balance Cash Inflows Income from Sales Accounts Receivable Total Cash Inflows Cash Outflows Investing Activities New Capital Purchases Inventory Purchases Cost of Sales Operating Activities Salaries and Wages Fixed Business Expenses Taxes Financing Activities Loan Payments Line of Credit Interest Line of Credit Repayments Dividends Paid Total Cash Outflows Cash Flow Operating Cash Balance Line of Credit Drawdowns Ending Cash Balance Line of Credit Balance
  • 19. End of Year One End of Year Two 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Balance Sheet - Year Two Assets Current Assets Cash Accounts Receivable Inventory Prepaid Expenses Other Current Total Current Assets Fixed Assets Real Estate Buildings Leasehold Improvements Equipment Furniture and Fixtures Vehicles Other Fixed Assets Total Fixed Assets Less: Accumulated Depreciation Total Assets Liabilities and Owner's Equity Liabilities Accounts Payable Notes Payable Mortgage Payable Line of Credit Balance Total Liabilities Owner's Equity
  • 20. 0 0 0 0 0 0 0 0 0 0 Statement Balances Statement Balances Common Stock Retained Earnings Dividends Dispersed Total Owner's Equity Total Liabilities and Owner's Equity
  • 21. Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Income Statement - Year Three Income Product/Service A Product/Service B Total Income Cost of Sales Product/Service A Product/Service B Total Cost of Sales Gross Margin Salaries and Wages Officer's Compensation Salaries Full-Time Employees Part-Time Employees Independent Contractors Payroll Taxes and Benefits Total Salary and Wages Fixed Business Expenses Advertising Car and Truck Expenses Commissions and Fees Contract Labor Credit Card and Bank Charges Customer Discounts and Refunds Dues and Subscriptions Entertainment Insurance (Liability and Property) Internet Legal and Professional Fees Office Expenses Postage and Delivery Rent (on business property) Rent of Vehicles and Equipment Repairs and Maintenance Supplies Telephone and Communications Travel Utilities Total Fixed Business Expenses
  • 22. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Other Expenses Amortized Start-up Expenses Depreciation Interest Commercial Loan Commercial Mortgage Line of Credit Taxes Total Other Expenses Net Income
  • 23. Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Projected Cash Flow Statement - Year Three Beginning Cash Balance Cash Inflows Income from Sales Accounts Receivable Total Cash Inflows Cash Outflows Investing Activities New Capital Purchases Inventory Purchases Cost of Sales Operating Activities Salaries and Wages Fixed Business Expenses Taxes Financing Activities Loan Payments Line of Credit Interest Line of Credit Repayments Dividends Paid Total Cash Outflows Cash Flow Operating Cash Balance Line of Credit Drawdowns Ending Cash Balance Line of Credit Balance
  • 24. End of Year Two End of Year Three 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Balance Sheet - Year Three Assets Current Assets Cash Accounts Receivable Inventory Prepaid Expenses Other Current Total Current Assets Fixed Assets Real Estate Buildings Leasehold Improvements Equipment Furniture and Fixtures Vehicles Other Fixed Assets Total Fixed Assets Less: Accumulated Depreciation Total Assets Liabilities and Owner's Equity Liabilities Accounts Payable Notes Payable Mortgage Payable Line of Credit Balance Total Liabilities Owner's Equity
  • 25. 0 0 0 0 0 0 0 0 0 0 Statement Balances Statement Balances Common Stock Retained Earnings Dividends Dispersed Total Owner's Equity Total Liabilities and Owner's Equity
  • 26. Year One Year Two Year Three 0.00 [1] 0.00 0.00 0.00 [2] 0.00 0.00 0.00 [3] 0.00 0.00 0.00 [4] 0.00 0.00 0.00 [5] 0.00 0.00 0.00 [6] 0.00 0.00 0.00 [7] 0.00 0.00 0.00 [8] 0.00 0.00 0.00 [9] 0.00 0.00 0.00 [10] 0.00 0.00 0.00 [11] 0.00 0.00 0.00 [12] 0.00 0.00 0.00 [13] 0.00 0.00 0.00 [14] 0.00 0.00 0.00 [15] 0.00 0.00 0.00 [16] 0.00 0.00 0.00 [17] 0.00 0.00 Corp Projected Growth BPlan, Inc. Financial Ratios Ratio Liquidity Current Ratio Quick Ratio Safety Debt to Equity Ratio Debt to Coverage Ratio Profitability Sales Growth COGS to Sales Gross Profit Margin SG&A to Sales Net Profit Margin Return on Equity Return on Assets Owner's Compensation to Sales Efficiency Days in Receivables Accounts Receivable Turnover Days in Inventory Inventory Turnover Sales to Total Assets
  • 27. Dollars Percent $0 100.00% 0 0.00% 0 0.00% 0 0 0 0 0.00% $0 to do ? variable costs Corp Projected Growth BPlan, Inc. Breakeven Analysis Breakeven Analysis Annual Sales Revenue Cost of Sales Gross Margin Salaries and Wages Fixed Operating Expenses Total Fixed Business Expenses Breakeven Sales Calculation Breakeven Sales in Dollars
  • 28. Assumptions yrs Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Totals $0 9.00% 84.00 7 $0.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 $0.00 9.00% 240.00 $0.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Corp Projected Growth BPlan, Inc. Amortization Schedule Loan Type Commercial Loan Principal Amount Interest Rate Loan Term in Months Monthly Payment Amoun Year One Interest Principal Loan Balance Year Two Interest Principal Loan Balance Year Three Interest Principal Loan Balance Commercial Mortgage Principal Amount Interest Rate Loan Term in Months Monthly Payment Amoun Year One Interest Principal Loan Balance Year Two Interest Principal Loan Balance Year Three Interest Principal Loan Balance
  • 29. Value 0.00% 0.00% 9.00% 84 9.00% 240.00 0.00% 0.00% $0 0.00% 0.00% $0 0.00% $0 $0 0.00% 0 0 0.00% Corp Projected Growth BPlan, Inc. Financial Diagnostics This sheet performs a few tests on your numbers to see if they seem within certain reasonable ranges. Remember, no computer can tell whether your projections are truly well-constructed, only a human can do that. But these tests can at least look for values that are critically out of range. Financial Diagnostics Notes: Observations & Assessments General Financing Assumptions Owner's Cash Injection into the Business Owner's injection might be too low in relation to the amount Cash Request as percent of Total Required Funds Cash request seems reasonable with respect to total request Loan Assumptions Commercial Loan Interest rate Interest rate seems reasonable Commercial Loan Term in Months Loan term seems within range for this type of loan Commercial Mortgage Interest rate Interest rate seems reasonable Commercial Mortgage Term in Months Loan term seems within range for this type of loan Loan Payments as a Percent of Projected Sales Calculated loan payments as a percent of sales seem reson Income Statement Gross Margin as a Percent of Sales Gross margin percentage seems very low Owner's Compensation Lower Limit Check An owner's compensation amount has not been established Owner's Compensation Upper Limit Check Owner's compensation seems reasonable Advertising Expense Levels as a Percent of Sales Advertising as a percent of sales may be too low Profitability Levels The business is showing a profit Profitability as a Percent of Sales The projection does not seem highly unreasonable Cash Flow Statement Desired Operating cash Flow Levels The financial projection provides the desired level of cash flo Line of Credit Drawdowns The business doesn't seem to require a line of credit Accounts Receivable Ratio to Sales Accounts receivable amount as a percent of sales seems re Balance Sheet Does the Base Period Balance Sheet Balance? The balance sheet does balance Does the Final Balance Sheet Balance The balance sheet does balance Debt to Equity Ratio The debt to equity ratio seems reasonable
  • 30. $0 Breakeven Analysis Breakeven Levels The sales projection is less than the break-even amount
  • 31. [1] An indication of a company's ability to meet short-term debt obligations. [2] The ratio between all assets quickly convertible into cash and current liabilities. Measures a company's liquidity. Also called acid-test ratio. [3] This ratio expresses the relationship between capital contributed by creditors and that contributed by owners. [4] This ratio indicates how well your cash flow covers debt and the capability of the business to take on additional debt. [5] This ratio calculates the percentage of increase (or decrease) in sales between the current year and the previous year. [6] The percentage of sales used to pay for the COGS (expenses which directly vary with sales) is expressed in this ratio. [7] This ratio indicates how much profit is earned on your products without consideration of indirect costs, selling and administration costs. [8] This ratio measures the percentage of selling, general and administrative costs to your amount of sales. [9] Net profit margin shows how much profit comes from every dollar of sales. [10] Return on equity determines the rate of return on your investment in the business. As an owner or shareholder this is one of the most important ratios as it shows the hard fact about the business - are you making enough of a profit to compensate you for the risk of being in business? [11] This ratio measures how effectively assets are used to generate a return. [12] This ratio measures the owner's compensation as a percentage of sales. [13] Days in receivable calculates the average number of days it takes to collect your account receivable (number of days of sales in receivables). [14] This ratio tells you the number of times accounts receivable turnover during the year. [15] This ratio shows the average number of days it will take to sell your inventory. [16] This ratio calculates the number of times inventory is turned over (or sold) during the year. [17] This ratio indicates how efficiently your business generates sales on every dollar of assets.