IntroductionFinancial Projection ModelThis spreadsheet walks you through the process of developing an integrated set of financial projections.To use this model, simply complete any information asked for found in the color yellow.Example: Fill in boxes that look like this- 0A number found in the color green is optional information that you can complete.Example: Check these assumptions- 0Otherwise, any information found in black type is automatically calculated for you.Although the cells that are calculated are locked (or protected), you can turn off this protection to modify the sheets.To do this, select "Tools" from the menu bar at the top of the screen. Then select, "Protection."Finally, select "Unprotect Sheet" and you will be able to edit any labels or formulas.Before you begin, we need some information about your business to best customize your financial statements.Please enter the name of your business in the box below:Enter Your Business Name HereThe first six worksheets in this workbook are steps you will need to complete. They are titled:1. Required Start-Up Funds2. Salaries and Wages3. Fixed Operating Expenses4. Projected Sales Forecast (2 sheets)5. Cash Receipts and DisbursementsThe sixth step titled, "Beginning Balance Sheet" is for existing businesses only.Begin by clicking on the tabs belowq 1. Required Start-Up FundsEnter Your Business Name Here11-Jul-08Required Start-Up FundsRequired Start-Up FundsAmountTotalsDepreciationNotesFixed AssetsReal Estate$ - 0Buildings- 020.00yearsLeasehold Improvements- 07.00yearsEquipment- 07.00yearsFurniture and Fixtures- 05.00yearsVehicles- 05.00yearsOther Fixed Assets- 05.00yearsTotal Fixed Assets- 0Operating CapitalPre-Opening Salaries and Wages- 0Prepaid Insurance Premiums- 0Beginning Inventory- 0Legal and Accounting Fees- 0Rent Deposits- 0Utility Deposits- 0Supplies- 0Advertising and Promotions- 0Licenses- 0Other Initial Start-Up Costs- 0Working Capital (Cash On Hand)- 0Total Operating Capital- 0Total Required Funds$ - 0Sources of FundingAmountTotalsLoan RateTerm in MonthsMonthly PaymentsOwner's Cash Injection0.00%- 0Outside Investors0.00%- 0Additional Loans or DebtCommercial Loan0.00%- 09.00%84.00$0.00Commercial Mortgage0.00%- 09.00%240.00$0.00Total Sources of Funding0.00%$ - 0$0.000$ - 0 2. Salaries and WagesEnter Your Business Name Here11-Jul-08Salaries and WagesSalaries and Related Expenses#AssumptionsWage BaseMonthlyYear OneYear TwoYear ThreePercent Change3.00%3.00%Salaries and WagesOwner's Compensation0$ - 0- 0- 0- 0Salaries0- 0- 0- 0- 0WagesFull-Time Employees0- 0- 0- 0- 0Estimated Hours Per Week40.00Estimated Rate Per Hour$ 9.00Part-Time Employees0- 0- 0- 0- 0Estimated Hours Per Week20.00Estimated Rate Per Hour$ 9.00Independent Contractors- 0- 0- 0- 0Total Salaries and Wages0- 0- 0- 0- 0Payroll Taxes and BenefitsSocial Security6.20%$ 102,000- 0- 0- 0- 0Medicare1.45%- 0- 0- 0- 0Federal Unemployment Tax (FUTA)0.80%$ 7,000- 0- 0- 0- 0State Unemployment Tax (SUT.

1. IntroductionFinancial Projection ModelThis spreadsheet walks
you through the process of developing an integrated set of
financial projections.To use this model, simply complete any
information asked for found in the color yellow.Example: Fill
in boxes that look like this- 0A number found in the color green
is optional information that you can complete.Example: Check
these assumptions- 0Otherwise, any information found in black
type is automatically calculated for you.Although the cells that
are calculated are locked (or protected), you can turn off this
protection to modify the sheets.To do this, select "Tools" from
the menu bar at the top of the screen. Then select,
"Protection."Finally, select "Unprotect Sheet" and you will be
able to edit any labels or formulas.Before you begin, we need
some information about your business to best customize your
financial statements.Please enter the name of your business in
the box below:Enter Your Business Name HereThe first six
worksheets in this workbook are steps you will need to
complete. They are titled:1. Required Start-Up Funds2.
Salaries and Wages3. Fixed Operating Expenses4. Projected
Sales Forecast (2 sheets)5. Cash Receipts and
DisbursementsThe sixth step titled, "Beginning Balance Sheet"
is for existing businesses only.Begin by clicking on the tabs
belowq
1. Required Start-Up FundsEnter Your Business Name Here11-
Jul-08Required Start-Up FundsRequired Start-Up
FundsAmountTotalsDepreciationNotesFixed AssetsReal Estate$
- 0Buildings- 020.00yearsLeasehold Improvements-
07.00yearsEquipment- 07.00yearsFurniture and Fixtures-
05.00yearsVehicles- 05.00yearsOther Fixed Assets-
05.00yearsTotal Fixed Assets- 0Operating CapitalPre-Opening
Salaries and Wages- 0Prepaid Insurance Premiums- 0Beginning
Inventory- 0Legal and Accounting Fees- 0Rent Deposits-
0Utility Deposits- 0Supplies- 0Advertising and Promotions-
0Licenses- 0Other Initial Start-Up Costs- 0Working Capital

2. (Cash On Hand)- 0Total Operating Capital- 0Total Required
Funds$ - 0Sources of FundingAmountTotalsLoan RateTerm in
MonthsMonthly PaymentsOwner's Cash Injection0.00%-
0Outside Investors0.00%- 0Additional Loans or
DebtCommercial Loan0.00%- 09.00%84.00$0.00Commercial
Mortgage0.00%- 09.00%240.00$0.00Total Sources of
Funding0.00%$ - 0$0.000$ - 0
2. Salaries and WagesEnter Your Business Name Here11-Jul-
08Salaries and WagesSalaries and Related
Expenses#AssumptionsWage BaseMonthlyYear OneYear
TwoYear ThreePercent Change3.00%3.00%Salaries and
WagesOwner's Compensation0$ - 0- 0- 0- 0Salaries0- 0- 0- 0-
0WagesFull-Time Employees0- 0- 0- 0- 0Estimated Hours Per
Week40.00Estimated Rate Per Hour$ 9.00Part-Time
Employees0- 0- 0- 0- 0Estimated Hours Per
Week20.00Estimated Rate Per Hour$ 9.00Independent
Contractors- 0- 0- 0- 0Total Salaries and Wages0- 0- 0- 0-
0Payroll Taxes and BenefitsSocial Security6.20%$ 102,000- 0-
0- 0- 0Medicare1.45%- 0- 0- 0- 0Federal Unemployment Tax
(FUTA)0.80%$ 7,000- 0- 0- 0- 0State Unemployment Tax
(SUTA)2.70%$ 7,000- 0- 0- 0- 0Employee Pension
Programs0.00%- 0- 0- 0- 0Worker's Compensation0.00%- 0- 0-
0- 0Employee Health Insurance0.00%- 0- 0- 0- 0Other
Employee Benefit Programs0.00%- 0- 0- 0- 0Total Payroll
Taxes and Benefits- 0- 0- 0- 0Total Salaries and Related
Expenses- 0- 0- 0- 0
3. Fixed Operating ExpensesEnter Your Business Name Here11-
Jul-08Fixed Operating ExpensesFixed Operating
ExpensesMonthlyYear OneYear TwoYear ThreeNotesPercent
Change3.00%3.00%ExpensesAdvertising$ - 0- 0- 0- 0Car and
Truck Expenses- 0- 0- 0- 0Commissions and Fees- 0- 0- 0-
0Contract Labor- 0- 0- 0- 0Credit Card and Bank Charges- 0- 0-
0- 0Customer Discounts and Refunds- 0- 0- 0- 0Dues and
Subscriptions- 0- 0- 0- 0Entertainment- 0- 0- 0- 0Insurance
(Liability and Property)- 0- 0- 0- 0Internet- 0- 0- 0- 0Legal and
Professional Fees- 0- 0- 0- 0Office Expenses- 0- 0- 0- 0Postage

3. and Delivery- 0- 0- 0- 0Rent (on business property)- 0- 0- 0-
0Rent of Vehicles and Equipment- 0- 0- 0- 0Repairs and
Maintenance- 0- 0- 0- 0Supplies- 0- 0- 0- 0Telephone and
Communications- 0- 0- 0- 0Travel- 0- 0- 0- 0Utilities- 0- 0- 0-
0Total Expenses- 0- 0- 0- 0Other ExpensesDepreciation- 0- 0-
0- 0InterestCommercial Loan- 0- 0- 0- 0Commercial Mortgage-
0- 0- 0- 0Line of Credit- 0- 0- 0- 0Total Other Expenses- 0- 0-
0- 0Total Fixed Operating Expenses- 0- 0- 0- 0
4. Projected Sales ForecastEnter Your Business Name Here11-
Jul-08Projected Sales ForecastProducts and
ServicesAssumptions%Month 1Month 2Month 3Month 4Month
5Month 6Month 7Month 8Month 9Month 10Month 11Month
12TotalsProduct/Service APrice Per Unit$ - 0100.00%Variable
Cost Per Unit$ - 00.00%Gross Margin Per Unit$ -
00.00%Projected Unit SalesSeasonality
Factor0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.
00%0.00%0.00%0.00%Year One- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0Year Two Growth10.00%- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Year Three Growth10.00%- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Fixed Expense Allocation50.00%Projected Revenue$ -
0Variable Costs- 0Gross Margin- 0Fixed Expenses- 0Profit-
00.00%Breakeven Sales Revenue$ - 0Breakeven Sales Units-
0Product/Service BPrice Per Unit$ - 0100.00%Variable Cost
Per Unit$ - 00.00%Gross Margin Per Unit$ -
00.00%Projected Unit SalesSeasonality
Factor0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.
00%0.00%0.00%0.00%Year One- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0Year Two Growth10.00%- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Year Three Growth10.00%- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Fixed Expense Allocation16.67%Projected Revenue$ -
0Variable Costs- 0Gross Margin- 0Fixed Expenses- 0Profit-
00.00%Breakeven Sales Revenue$ - 0Breakeven Sales Units- 0
5. Projected Sales Forecast (2)Enter Your Business Name
Here11-Jul-08Projected Sales Forecast - Page 2Products and
ServicesAssumptions%Month 1Month 2Month 3Month 4Month
5Month 6Month 7Month 8Month 9Month 10Month 11Month

4. 12TotalsProduct/Service CPrice Per Unit$ - 0100.00%Variable
Cost Per Unit$ - 00.00%Gross Margin Per Unit$ -
00.00%Projected Unit SalesSeasonality
Factor0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.
00%0.00%0.00%0.00%Year One- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0Year Two Growth10.00%- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Year Three Growth10.00%- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Fixed Expense Allocation16.67%Projected Revenue$ -
0Variable Costs- 0Gross Margin- 0Fixed Expenses- 0Profit-
00.00%Breakeven Sales Revenue$ - 0Breakeven Sales Units-
0Product/Service DPrice Per Unit$ - 0100.00%Variable Cost
Per Unit$ - 00.00%Gross Margin Per Unit$ -
00.00%Projected Unit SalesSeasonality
Factor0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.
00%0.00%0.00%0.00%Year One- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0Year Two Growth10.00%- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Year Three Growth10.00%- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Fixed Expense Allocation16.67%Projected Revenue$ -
0Variable Costs- 0Gross Margin- 0Fixed Expenses- 0Profit-
00.00%Breakeven Sales Revenue$ - 0Breakeven Sales Units- 0
6. Cash Receipts-DisbursementsEnter Your Business Name
Here11-Jul-08Cash Receipts and DisbursementsAccounts
Receivable CollectionsPercent of Collections0 to 30
days100.00%31 to 60 days0.00%More than 60 days0.00%Total
Collections Percentage100.00%Accounts Payable
DisbursementsNumber of Days to Pay Suppliers0 to 30
days100.00%31 to 60 days0.00%More than 60 days0.00%Total
Disbursements Percentage100.00%Line of Credit
AssumptionsDesired Minimum Cash Balance$ - 0Line of
Credit Interest Rate9.00%Income Tax AssumptionsEffective
Income Tax Rate0.00%- 0- 0Amortization of Start-Up
Expenses- 0- 0Amortization Period in Years3.00- 0
7. Beginning Balance SheetEnter Your Business Name
HereBalance Sheet (For Existing Businesses
Only)12/31/06%AssetsCurrent AssetsCash- 0Accounts
Receivable- 0Inventory- 0Prepaid Expenses- 0Other Current-

5. 0Total Current Assets- 0Fixed AssetsReal Estate- 0Buildings-
0Leasehold Improvements- 0Equipment- 0Furniture and
Fixtures- 0Vehicles- 0Other Fixed Assets- 0Total Fixed Assets-
0Less: Accumulated Depreciation- 0Total Assets- 0Liabilities
and Owner's EquityLiabilitiesAccounts Payable- 0Notes
Payable- 0Mortgage Payable- 0Line of Credit Balance- 0Total
Liabilities- 0Owner's EquityCommon Stock- 0Retained
Earnings- 0Dividends Dispersed- 0Total Owner's Equity- 0Total
Liabilities and Owner's Equity- 0Statement Balances
8. Income StatementEnter Your Business Name HereProjected
Income Statement - Year OneMonth 1Month 2Month 3Month
4Month 5Month 6Month 7Month 8Month 9Month 10Month
11Month 12TotalsIncomeProduct/Service A- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Product/Service B- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 00- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 00- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Total Income- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Cost of SalesProduct/Service A- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0Product/Service B- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 00- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 00- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0Total Cost of Sales- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Gross Margin- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Salaries and
WagesOwner's Compensation- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Salaries- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Full-Time
Employees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Part-Time
Employees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Independent
Contractors- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Payroll Taxes
and Benefits- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Total Salary
and Wages- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Fixed Business
ExpensesAdvertising- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Car and
Truck Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Commissions and Fees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Contract Labor- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Credit Card
and Bank Charges- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Customer
Discounts and Refunds- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Dues
and Subscriptions- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Entertainment- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Insurance

6. (Liability and Property)- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Internet- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Legal and
Professional Fees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Office
Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Postage and
Delivery- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Rent (on business
property)- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Rent of Vehicles
and Equipment- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Repairs and
Maintenance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Supplies- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Telephone and Communications- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Travel- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0Utilities- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Total
Fixed Business Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Other ExpensesAmortized Start-up Expenses- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0Depreciation- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0InterestCommercial Loan- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Commercial Mortgage- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line
of Credit- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Taxes- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Total Other Expenses- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0Net Income- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0
9. Cash Flow StatementEnter Your Business Name
HereProjected Cash Flow Statement - Year OneMonth 1Month
2Month 3Month 4Month 5Month 6Month 7Month 8Month
9Month 10Month 11Month 12TotalsBeginning Cash Balance- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Cash InflowsIncome from Sales- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Accounts Receivable- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Total Cash Inflows- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Cash OutflowsInvesting ActivitiesNew Capital
Purchases- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Inventory
Purchases- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Cost of Sales- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Operating ActivitiesSalaries and
Wages- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Fixed Business
Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Taxes- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Financing Activities- 0Loan Payments-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit Interest- 0- 0-

7. 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit Repayments- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Dividends Paid- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Total Cash Outflows- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0Cash Flow- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Operating
Cash Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit
Drawdowns- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Ending Cash
Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit Balance-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0
10. Balance SheetEnter Your Business Name HereBalance Sheet
- Year OneBase PeriodEnd of Year OneAssetsCurrent
AssetsCash- 0- 0Accounts Receivable- 0- 0Inventory- 0-
0Prepaid Expenses- 0- 0Other Current- 0- 0Total Current
Assets- 0- 0Fixed AssetsReal Estate- 0- 0Buildings- 0-
0Leasehold Improvements- 0- 0Equipment- 0- 0Furniture and
Fixtures- 0- 0Vehicles- 0- 0Other Fixed Assets- 0- 0Total Fixed
Assets- 0- 0Less: Accumulated Depreciation- 0- 0Total Assets-
0- 0Liabilities and Owner's EquityLiabilitiesAccounts Payable-
0- 0Notes Payable- 0- 0Mortgage Payable- 0- 0Line of Credit
Balance- 0- 0Total Liabilities- 0- 0Owner's EquityCommon
Stock- 0- 0Retained Earnings- 0- 0Dividends Dispersed- 0-
0Total Owner's Equity- 0- 0Total Liabilities and Owner's
Equity- 0- 0Statement BalancesStatement Balances
11. Year End SummaryEnter Your Business Name HereYear
End SummaryYear One%Year Two%Year
Three%IncomeProduct/Service A- 0- 0- 0Product/Service B- 0-
0- 00- 0- 0- 00- 0- 0- 0Total Income- 0100.00%- 0100.00%-
0100.00%Cost of SalesProduct/Service A- 0- 0-
0Product/Service B- 0- 0- 00- 0- 0- 00- 0- 0- 0Total Cost of
Sales- 00.00%- 00.00%- 00.00%Gross Margin- 00.00%-
00.00%- 00.00%Salaries and WagesOwner's Compensation- 0-
0- 0Salaries- 0- 0- 0Full-Time Employees- 0- 0- 0Part-Time
Employees- 0- 0- 0Independent Contractors- 0- 0- 0Payroll
Taxes and Benefits- 0- 0- 0Total Salary and Wages- 00.00%-
00.00%- 00.00%Fixed Business ExpensesAdvertising- 0- 0-
0Car and Truck Expenses- 0- 0- 0Commissions and Fees- 0- 0-
0Contract Labor- 0- 0- 0Credit Card and Bank Charges- 0- 0-

8. 0Customer Discounts and Refunds- 0- 0- 0Dues and
Subscriptions- 0- 0- 0Entertainment- 0- 0- 0Insurance (Liability
and Property)- 0- 0- 0Internet- 0- 0- 0Legal and Professional
Fees- 0- 0- 0Office Expenses- 0- 0- 0Postage and Delivery- 0-
0- 0Rent (on business property)- 0- 0- 0Rent of Vehicles and
Equipment- 0- 0- 0Repairs and Maintenance- 0- 0- 0Supplies- 0-
0- 0Telephone and Communications- 0- 0- 0Travel- 0- 0-
0Utilities- 0- 0- 0Total Fixed Business Expenses- 00.00%-
00.00%- 00.00%Other ExpensesAmortized Start-up Expenses-
0- 0- 0Depreciation- 0- 0- 0InterestCommercial Loan- 0- 0-
0Commercial Mortgage- 0- 0- 0Line of Credit- 0- 0- 0Taxes- 0-
0- 0Total Other Expenses- 00.00%- 00.00%- 00.00%Net
Income- 00.00%- 00.00%- 00.00%
12. Income Statement (2)Enter Your Business Name
HereProjected Income Statement - Year TwoMonth 1Month
2Month 3Month 4Month 5Month 6Month 7Month 8Month
9Month 10Month 11Month 12TotalsIncomeProduct/Service A-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Product/Service B- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 00- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 00-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Total Income- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0Cost of SalesProduct/Service A- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Product/Service B- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 00- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 00- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Total Cost of Sales- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Gross Margin- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Salaries and WagesOwner's Compensation- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Salaries- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Full-
Time Employees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Part-Time
Employees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Independent
Contractors- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Payroll Taxes
and Benefits- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Total Salary
and Wages- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Fixed Business
ExpensesAdvertising- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Car and
Truck Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Commissions and Fees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Contract Labor- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Credit Card

9. and Bank Charges- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Customer
Discounts and Refunds- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Dues
and Subscriptions- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Entertainment- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Insurance
(Liability and Property)- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Internet- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Legal and
Professional Fees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Office
Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Postage and
Delivery- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Rent (on business
property)- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Rent of Vehicles
and Equipment- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Repairs and
Maintenance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Supplies- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Telephone and Communications- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Travel- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0Utilities- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Total
Fixed Business Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Other ExpensesAmortized Start-up Expenses- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0Depreciation- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0InterestCommercial Loan- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Commercial Mortgage- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line
of Credit- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Taxes- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Total Other Expenses- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0Net Income- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0
13. Cash Flow Statement (2)Enter Your Business Name
HereProjected Cash Flow Statement - Year TwoMonth 1Month
2Month 3Month 4Month 5Month 6Month 7Month 8Month
9Month 10Month 11Month 12TotalsBeginning Cash Balance- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Cash InflowsIncome from Sales- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Accounts Receivable- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Total Cash Inflows- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Cash OutflowsInvesting ActivitiesNew Capital
Purchases- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Inventory
Purchases- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Cost of Sales- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Operating ActivitiesSalaries and

10. Wages- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Fixed Business
Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Taxes- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Financing Activities- 0Loan Payments-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit Interest- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit Repayments- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Dividends Paid- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Total Cash Outflows- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0Cash Flow- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Operating
Cash Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit
Drawdowns- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Ending Cash
Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit Balance-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0
14. Balance Sheet (2)Enter Your Business Name HereBalance
Sheet - Year TwoEnd of Year OneEnd of Year
TwoAssetsCurrent AssetsCash- 0- 0Accounts Receivable- 0-
0Inventory- 0- 0Prepaid Expenses- 0- 0Other Current- 0- 0Total
Current Assets- 0- 0Fixed AssetsReal Estate- 0- 0Buildings- 0-
0Leasehold Improvements- 0- 0Equipment- 0- 0Furniture and
Fixtures- 0- 0Vehicles- 0- 0Other Fixed Assets- 0- 0Total Fixed
Assets- 0- 0Less: Accumulated Depreciation- 0- 0Total Assets-
0- 0Liabilities and Owner's EquityLiabilitiesAccounts Payable-
0- 0Notes Payable- 0- 0Mortgage Payable- 0- 0Line of Credit
Balance- 0- 0Total Liabilities- 0- 0Owner's EquityCommon
Stock- 0- 0Retained Earnings- 0- 0Dividends Dispersed- 0-
0Total Owner's Equity- 0- 0Total Liabilities and Owner's
Equity- 0- 0Statement BalancesStatement Balances
15. Income Statement (3)Enter Your Business Name
HereProjected Income Statement - Year ThreeMonth 1Month
2Month 3Month 4Month 5Month 6Month 7Month 8Month
9Month 10Month 11Month 12TotalsIncomeProduct/Service A-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Product/Service B- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 00- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 00-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Total Income- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0Cost of SalesProduct/Service A- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Product/Service B- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 00- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 00- 0- 0- 0- 0-

11. 0- 0- 0- 0- 0- 0- 0- 0- 0Total Cost of Sales- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Gross Margin- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Salaries and WagesOwner's Compensation- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Salaries- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Full-
Time Employees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Part-Time
Employees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Independent
Contractors- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Payroll Taxes
and Benefits- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Total Salary
and Wages- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Fixed Business
ExpensesAdvertising- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Car and
Truck Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Commissions and Fees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Contract Labor- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Credit Card
and Bank Charges- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Customer
Discounts and Refunds- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Dues
and Subscriptions- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Entertainment- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Insurance
(Liability and Property)- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Internet- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Legal and
Professional Fees- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Office
Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Postage and
Delivery- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Rent (on business
property)- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Rent of Vehicles
and Equipment- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Repairs and
Maintenance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Supplies- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Telephone and Communications- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Travel- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0Utilities- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Total
Fixed Business Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Other ExpensesAmortized Start-up Expenses- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0Depreciation- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0InterestCommercial Loan- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Commercial Mortgage- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line
of Credit- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Taxes- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Total Other Expenses- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0Net Income- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-

12. 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0
16. Cash Flow Statement (3)Enter Your Business Name
HereProjected Cash Flow Statement - Year ThreeMonth 1Month
2Month 3Month 4Month 5Month 6Month 7Month 8Month
9Month 10Month 11Month 12TotalsBeginning Cash Balance- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Cash InflowsIncome from Sales- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Accounts Receivable- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Total Cash Inflows- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Cash OutflowsInvesting ActivitiesNew Capital
Purchases- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Inventory
Purchases- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Cost of Sales- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Operating ActivitiesSalaries and
Wages- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Fixed Business
Expenses- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Taxes- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0Financing Activities- 0Loan Payments-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit Interest- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit Repayments- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Dividends Paid- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Total Cash Outflows- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0Cash Flow- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Operating
Cash Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit
Drawdowns- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Ending Cash
Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Line of Credit Balance-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0
17. Balance Sheet (3)Enter Your Business Name HereBalance
Sheet - Year ThreeEnd of Year TwoEnd of Year
ThreeAssetsCurrent AssetsCash- 0- 0Accounts Receivable- 0-
0Inventory- 0- 0Prepaid Expenses- 0- 0Other Current- 0- 0Total
Current Assets- 0- 0Fixed AssetsReal Estate- 0- 0Buildings- 0-
0Leasehold Improvements- 0- 0Equipment- 0- 0Furniture and
Fixtures- 0- 0Vehicles- 0- 0Other Fixed Assets- 0- 0Total Fixed
Assets- 0- 0Less: Accumulated Depreciation- 0- 0Total Assets-
0- 0Liabilities and Owner's EquityLiabilitiesAccounts Payable-
0- 0Notes Payable- 0- 0Mortgage Payable- 0- 0Line of Credit
Balance- 0- 0Total Liabilities- 0- 0Owner's EquityCommon

13. Stock- 0- 0Retained Earnings- 0- 0Dividends Dispersed- 0-
0Total Owner's Equity- 0- 0Total Liabilities and Owner's
Equity- 0- 0Statement BalancesStatement Balances
18. Financial RatiosEnter Your Business Name HereFinancial
RatiosRatioYear OneYear TwoYear ThreeLiquidityCurrent
Ratio- 0- 0- 0Quick Ratio- 0- 0- 0SafetyDebt to Equity Ratio- 0-
0- 0Debt to Coverage Ratio- 0- 0- 0ProfitabilitySales Growth-
0- 0- 0COGS to Sales- 0- 0- 0Gross Profit Margin- 0- 0-
0SG&A to Sales- 0- 0- 0Net Profit Margin- 0- 0- 0Return on
Equity- 0- 0- 0Return on Assets- 0- 0- 0Owner's Compensation
to Sales- 0- 0- 0EfficiencyDays in Receivables- 0- 0- 0Accounts
Receivable Turnover- 0- 0- 0Days in Inventory- 0- 0-
0Inventory Turnover- 0- 0- 0Sales to Total Assets- 0- 0- 0
An indication of a company's ability to meet short-term debt
obligations.
The ratio between all assets quickly convertible into cash and
current liabilities. Measures a company's liquidity. Also called
acid-test ratio.
This ratio expresses the relationship between capital contributed
by creditors and that contributed by owners.
This ratio indicates how well your cash flow covers debt and the
capability of the business to take on additional debt.
This ratio calculates the percentage of increase (or decrease) in
sales between the current year and the previous year.
The percentage of sales used to pay for the COGS (expenses
which directly vary with sales) is expressed in this ratio.
This ratio indicates how much profit is earned on your products
without consideration of indirect costs, selling and
administration costs.
This ratio measures the percentage of selling, general and
administrative costs to your amount of sales.
Net profit margin shows how much profit comes from every
dollar of sales.
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

14. the business - are you making enough of a profit to compensate
you for the risk of being in business?
This ratio measures how effectively assets are used to generate
a return.
This ratio measures the owner's compensation as a percentage of
sales.
Days in receivable calculates the average number of days it
takes to collect your account receivable (number of days of
sales in receivables).
This ratio tells you the number of times accounts receivable
turnover during the year.
This ratio shows the average number of days it will take to sell
your inventory.
This ratio calculates the number of times inventory is turned
over (or sold) during the year.
This ratio indicates how efficiently your business generates
sales on every dollar of assets.
19. Breakeven AnalysisEnter Your Business Name
HereBreakeven AnalysisBreakeven
AnalysisDollarsPercentAnnual Sales Revenue$ -
0100.00%Cost of Sales- 00.00%Gross Margin- 00.00%Salaries
and Wages- 0Fixed Operating Expenses- 0Total Fixed Business
Expenses- 0Breakeven Sales Calculation- 00.00%Breakeven
Sales in Dollars$ - 0
20. Amoritization ScheduleEnter Your Business Name
HereAmortization ScheduleLoan TypeAssumptionsMonth
1Month 2Month 3Month 4Month 5Month 6Month 7Month
8Month 9Month 10Month 11Month 12TotalsCommercial
LoanPrincipal Amount$ - 0Interest Rate9.00%Loan Term in
Months84.00Monthly Payment Amount$0.00Year OneInterest-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Principal- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0Loan Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Year TwoInterest- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Principal-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Loan Balance- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0Year ThreeInterest- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0Principal- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Loan

15. Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Commercial
MortgagePrincipal Amount$ - 0Interest Rate9.00%Loan Term
in Months240.00Monthly Payment Amount$0.00Year
OneInterest- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Principal- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Loan Balance- 0- 0- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0Year TwoInterest- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Principal- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Loan Balance- 0-
0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Year ThreeInterest- 0- 0- 0- 0- 0-
0- 0- 0- 0- 0- 0- 0- 0Principal- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0-
0Loan Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0
21. Financial DiagnosticsEnter Your Business Name
HereFinancial DiagnosticsThis sheet performs a few tests on
your numbers to see if they seem within certain reasonable
ranges.Remember, no computer can tell whether your
projections are truly well-constructed, only a human can do
that.But these tests can at least look for values that are
critically out of range.Financial
DiagnosticsValueFindingsGeneral Financing
AssumptionsOwner's Cash Injection into the
Business0.00%Owner's injection might be too low in relation to
the amount of money neededCash Request as percent of Total
Required Funds0.00%Cash request seems reasonable with
respect to total requestLoan AssumptionsCommercial Loan
Interest rate9.00%Interest rate seems reasonableCommercial
Loan Term in Months84Loan term seems within range for this
type of loanCommercial Mortgage Interest rate9.00%Interest
rate seems reasonableCommercial Mortgage Term in
Months240.00Loan term seems within range for this type of
loanLoan Payments as a Percent of Projected
Sales0.00%Calculated loan payments as a percent of sales seem
resonableIncome StatementGross Margin as a Percent of
Sales0.00%Gross margin percentage seems very lowOwner's
Compensation Lower Limit Check$ - 0An owner's
compensation amount has not been establishedOwner's
Compensation Upper Limit Check0.00%Owner's compensation
seems reasonableAdvertising Expense Levels as a Percent of

16. Sales0.00%Advertising as a percent of sales may be too
lowProfitability Levels$ - 0The business is showing a
profitProfitability as a Percent of Sales0.00%The projection
does not seem highly unreasonableCash Flow StatementDesired
Operating cash Flow Levels$ - 0The financial projection
provides the desired level of cash flowLine of Credit
Drawdowns$ - 0The business doesn't seem to require a line of
creditAccounts Receivable Ratio to Sales0.00%Accounts
receivable amount as a percent of sales seems
reasonableBalance SheetDoes the Base Period Balance Sheet
Balance?- 0The balance sheet does balanceDoes the Final
Balance Sheet Balance- 0The balance sheet does balanceDebt to
Equity Ratio0.00%The debt to equity ratio seems
reasonableBreakeven AnalysisBreakeven Levels$ - 0The sales
projection is less than the break-even amount
The industry
The industry in which we are operating is the parcel delivery
and courier services industry
Globally the industry is growing and expanding as there need to
deliver packages worldwide is growing with inventions that are
allowing global shopping on e-commerce platforms.
U-Deliver
U-Deliver is a service and a platform that allows people to
leverage the power of communities in a network
We take advantage of double coincidence of wants between
people want to make an extra income by delivering parcels on
line of transit
Unlike other business models that insist on profit and
efficiency, the business model of U-Deliver takes advantage of
communities and promises convenience and trust, this is a
highly differentiated model of business with a firsts movers
advantage and being unique that many other competitors would

17. not be willing to try
Courier services market
The need for courier and parcel delivery services is on the rise
today globally as e-commerce and online shopping continues to
be more mainstream
There is need to deliver parcels globally today in all countries
with a special demand and growth rates rise in China and the
USA
Most major companies that sell go0ods online includes some
sort of solution for shipping as a part of back store processing
and this is a logistic headache
U-Deliver can take advantage of this loophole and emerging
market and leverage it as a market
Customer base
The parcel delivery industry can derive business across all
demographics as anyone at any age can send and receive a
parcel
Young people between the ages of 24 to 40 however do form the
majority of persons who seem to have a very active online
shopping activity which generates a majority of the packages
being delivered and form the largest share of customers
Target market strategy
The idea of community and trust has to permeate above all
things, people have to perceive and have a feeling of ownership
and belonging is important
The offer price is smaller and includes a paltry $20 for every
customer
Advaretising on Facebook and Google is necessary to get the

18. right customers
Market and sales approach
We intend to offer highly tailored services to mega e-commerce
giants like e-Bay and amazon
Sales promotions like coupons and discount will be necessary to
secure repeated buying from first time customers
Online advertising via popular online communities like
Snapchat and Facebook
Target market description
My target market is online shoppers between the ages of 24 to
40 years.
This group is known for a high frequency online shopping and
need packages delivered around three to four packages every
week and form around 70 percent of all populations in urban
centers
We intend to get around 80 percent of our annual revenue
projection raised by this group
Market strategy
U-Deliver, your community wide and trusted courier and parcel
services service provider
Affordable and convenient, basic services starting at $20 within
your city. Just match your package with our thousands of
delivery volunteers on your transit network.
Find more by visiting our websiter and downloading our app
free from the Playstore and Appstore
Competitive value curve

19. Competitive analysis
U-Deliver is providing a community wide delivery that creates
trust and convenience and speed
DHL is a global competitor that promises global reach
UPS on the other hand promises reliability
Fed-Ex guarantees quality to its customers
U-Deliver will be able to win trust of clustered communities
and will be more convenient and we expect that it will in time
become the trusted and chosen partner on courier and delivery
setvices
Marketing scheduleMEDIAANNUAL COSTFACEBOOKBased
on per click and viewGOOGLEAdsense revenues and per click
location
There will be a physical location address to house operational
and management staff that will be the registered company
address
The business model will be distributed and customers will be
distributed al over the cities but the U-Deliver app will help
connect volunteers with clients
Legal structure comparison
The company will be based and formed as a Limited liability
company, this means that state filling is required and members
will raise capital in an IPO
An articles of association and incorporation will spell out rules
and policies in which the company will be operated and the how
the management will be chosen
The legal structureownersharesPercentage of

20. ownershipfounder150,00015%Co-founder140,00014%Public
shareholders710,00071%
Risk management
Indemnity insurance to get legal liability protection
Property insurance
Life insurance products for health and lost income protection
Core scores
The number of volunteers to act as transit operators is important
as a core measure
The number of packages to be delivered daily
The amount of cash to be raised in the first IPO will indicate
the level of confidence and the likelihood of success for the
business in line with its long term expansion plan
Required startup fundsItem amountPremises hiring
$2,000,000Regulations and compliance / lawyers
fee$1,000,000insurance$1,000,000Marketing $1,000,000
Capital strategyAmount required#founder150,000Co-
founder140,000IPO investors710,000