1. Business Type Income Projections - Worksheet A
Month:
Retail 1 2 3 4 5 6 7 8 9 10 11 12
Clients per Day
Avg. Purchase
Daily Sales
Days Operation per Month
Monthly Gross Sales
Multiply Clients per Day by Avg. Purchase to get Daily Sales; Multiply Daily Sales by Days Oper./Month to get Monthly Gross Sales.
Services 1 2 3 4 5 6 7 8 9 10 11 12
Clients per Month
Avg. Purchase (or $$ billed)
Monthly Gross Sales
Assumptions (explain what your numbers mean):
Plug the Monthly Gross Sales Line from this page into first line of Worksheet B

2. Complete Worksheet A First
Income Projections - Worksheet B
Month:
Income 1 2 3 4 5 6 7 8 9 10 11 12
Monthly Gross Sales
Cost of Goods Sold
Labor
Subtract COGS and Labor from Monthly Gross Sales
Gross Profit
Expenses
Owners' Salary
Advertising
Building Lease / Rent
Utilities
Phone
Business Insurance
Legal / Accounting
Miscellaneous / Other
Add all expense items
Total Expenses
Subtract Total Expenses from Gross Profit
Net Income
Combine ALL debt here. The NMI loan payment begins one month after disbursement - Call for more information.
Less Debt Service
Subtract Debt Service from Net Income to get Accumulated Cash Flow for the month
Accumulated Cash Flow
Plug in your B/S Cash account balance plus NMI Loan disbursement for Beginning Cash month 1 (Jan)
Beginning Cash
Ending Cash
Add Accumulated Cash Flow to Beginning Cash to get Ending Cash. If Ending Cash ever goes below zero (0), additional financing is needed for this project.
What assumptions, if any, were made to arrive at these numbers?