The Flowering Soul is seeking a $175,100 loan to purchase property, equipment, and renovations needed to open an organic garden center and nursery in Austin, Texas. The business will specialize in selling organic plants, fruits, vegetables, and herbs along with educational classes on gardening, herbal medicine, and organic methods. An owner survey found the target neighborhood desires these products and services. The loan will be paid back over 15 years at an 8% interest rate to allow the business to thrive by meeting the needs of Austin's growing holistic community.
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15 años después de que la selección del representante de España en el decrépito festival de Eurovision se convirtiera en fenómeno de masas gracias a un novedoso formato de televisión, el grupo de los entonces aspirantes se reencontraron. Lo hicieron, también, en un formato televisivo rematado por la emisión de un concierto en el que participaron todos ellos, incluidos algunos que hoy son auténticas estrellas. De repente un gesto, alimentado por el morboso recuerdo de la relación rota entre dos de artistas, provocó un terremoto copando la conversación en Twitter durante la emisión y en los días siguientes. El análisis con la herramienta Shokesu pone de relieve la potencia del fenómeno OT y hasta donde llegó ‘la cobra’, o no, de Bisbal a Chenoa.
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Asia Mountains Hotels offer big range of services. One of them is Conference Hall with possibility to order coffee breaks and business lucnes and dinners.
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Shudhvatavaran offer you high-quality plants, gardening tools, unique-style pots, vegetables, flowers, herbs and fruit seeds, and many more! our team provides you a proper guidance on how to take care of your plants. we also offer pesticides, so that your plants can grow without any trouble. Come, and join the nursery in Kurukshetra to make your space fresh and healthy. we are devoted to build a better environment and a responsible community of people who get to give back their share to Mother Nature. With a simple click receive a beautiful and healthy plants.
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We are a professional review company. Our website proactivepetproducts.com contains opinions and is not intended to diagnose, treat, or give medical guidance. Consult your veterinarian.
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Here at the Plantation Villa, we do things a little differently. Our philosophy is driven by kindness and inspired by wellness. The wellness of our guests, our space, our people, our work and our environment are paramount to our way of life. Our approach begins with kindness to all in need of love and care. We understand the needs of those who are unwell or come to escape the chaos of city life. We believe in every tree, bird and breath of wind that connects our villa to the world around us. We work tirelessly to sustain this environment. We are also a communal space; our people come from the nearby village with whom we are connected to across generations. And we make everyone feel at home. Inspired by ancestral roots and indigenous practices, we take you on a continuous, interconnected, six-step journey to wellness.
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The month of September is Healthy Aging® Month, and the last week—Sept. 21 through 27—we are again hosting many activities to celebrate Active Aging Week. This year’s theme is Aspire! Be Active Your Way to honor the joy in choosing your own path to a full life.
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This story tells the exciting news of The Cliffs' establishment of its Organic Farm, Broken Oak Organics. This is a very unique amenity for a private club and gives our chefs the ability to provide a true farm-to-table experience.
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We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.
We are a professional review company. Our website proactivepetproducts.com contains opinions and is not intended to diagnose, treat, or give medical guidance. Consult your veterinarian.
Plantation Villa - Kalutara (Brochure)Abdul Careem
Here at the Plantation Villa, we do things a little differently. Our philosophy is driven by kindness and inspired by wellness. The wellness of our guests, our space, our people, our work and our environment are paramount to our way of life. Our approach begins with kindness to all in need of love and care. We understand the needs of those who are unwell or come to escape the chaos of city life. We believe in every tree, bird and breath of wind that connects our villa to the world around us. We work tirelessly to sustain this environment. We are also a communal space; our people come from the nearby village with whom we are connected to across generations. And we make everyone feel at home. Inspired by ancestral roots and indigenous practices, we take you on a continuous, interconnected, six-step journey to wellness.
For Herbal Medicines Manufacturers form Hishimo Pharmaceuticals Pvt. Ltd. at: http://www.hishimo.com/herbal-medicine.html.A leading Herbal medicines Manufacturers Suppliers and Exporters Our range comprises of Herbal Health Medicine, Herbal Pain Relief Oil, Herbal Pain Killer Oil, Herbal Tension Medicine, Herbal Liver Care Medicine etc.
Touchmark on Saddle Drive - September 2014 NewsletterTouchmark
The month of September is Healthy Aging® Month, and the last week—Sept. 21 through 27—we are again hosting many activities to celebrate Active Aging Week. This year’s theme is Aspire! Be Active Your Way to honor the joy in choosing your own path to a full life.
Promoted by the International Council on Active Aging, the week focuses on the many positive things that people can do to change the way they age.
We hope you can join us for any or all of the following events. Stay active with us every day of the week!
This story tells the exciting news of The Cliffs' establishment of its Organic Farm, Broken Oak Organics. This is a very unique amenity for a private club and gives our chefs the ability to provide a true farm-to-table experience.
Orgen Nutraceuticals Offers The Best Ayurvedic Products TorontoOrgen Nutraceuticals
If you are looking for Ayurvedic products Toronto that is effective unlike most of the other dietary supplements then you must visit Orgen Nutraceuticals.
For more details on our products and services, please feel free to visit us at Alzheimer’s Care Facility Livermore, Memory Care Facility Livermore, Dementia Care Facility Pleasanton, Dementia Care Facility Livermore
3.
Table of Contents
Section One: The Business Page
A. Description of Business ………………………………………….. 4
B. Products/Services ………………………………………………… 5
C. Marketing Information …………………………………………….. 6
D. Location of Business ……………………………………………… 7
E. Competition ………………………………………………………... 8
F. Management ………………………………………………………. 9
G. Personnel ………………………………………………………….. 10
H. Application of Expected Effect of Loan ………………………….. 11
I. Summary ………………………………………………………….... 12
Section Two: Financial Data
A. Sources of Applications of Funding ……………………………… 13
B. Capital Equipment List ……………………………………………. 14
C. Balance Sheet ……………………………………………………… 16
D. BreakEven Analysis ………………………………………………. 17
E. Income Projections:
a. Threeyear Summary ………………………………………. 18
b. Detail by Month, First Year ………………………………… 19
c. Detail by Quarter, Second and Third Years …………….... 20
d. Notes of Explanation ………………………………………. 22
F. Cash Flow Projections
a. Detail by Month, First Year ………………………………… 24
b. Detail by Quarter, Second and Third Years ………………. 25
c. Notes of Explanation ……………………………………….. 27
G. Deviation Analysis ……………………………………………………. 28
Section Three: Supporting Documents
A. Résumé ……………………………………………………………… 35
B. Credit Information …………………………………………………… 36
C. Personal Balance Sheet ……………………………………………. 37
D. Cost of Living ...……………………………………………………… 38
E. Job Descriptions ..………………………………………………….. 40
F. Letter of Intent …………….……………………………………….. 41
3
8.
E.The Competition
The top five competitors within a ten mile radius are as follows:
1. The Natural Gardener This is the biggest competition
1.1. www.naturalgardeneraustin.com
1.2. business is doing well and have high reviews, poses somewhat of a threat
2. Barton Springs Nursery
2.1. www.bartonspringsnursery.net
2.2. Runof the mill nursery, nothing that stands out
3. Emerald Garden
3.1. www.emeraldgarden.net
3.2. Small, simple nursery, poses no immediate threat
4. Copper Rock Nursery
4.1. no website, not very good accessibility for the technological customer
5. Oracle George Cactus Nursery
5.1. no website, not very good accessibility for the technological customer
The Natural Gardener (biggest competitor) vs. The Flowering Soul
Customer Seeks Competition Offers TFS Offers
Quality Yes Yes
Exclusivity Somewhat Somewhat
Lower Prices No No
Product Line Good Good
Events Yes Yes
Delivery Yes Yes
Gift Cards Yes Yes
Credit Line No In future
Knowledgeability Somewhat Yes
Polite Help Yes Yes
Classes Seasonal/Monthly Yes, Regularly throughout yr.
Availability Yes Yes
Location Yes Yes
Information Yes Yes
Warranty No Yes
8
10.
5. Resources Available to the Business
5.1. We will acquire a business lawyer on retainer, use the services of The Austin
CPA for our accounting needs, and an insurance agent to fulfill insurance
needs for the building, products, and liabilities. The website will be done by a
family member for no charge and everyday financial operations will be done
by Amanda Comer.
G. Personnel
My personnel for the first year would be 2 floor managers, with appropriate college degree
requirements, and 8 employees with an expanded knowledge in ornamental plants. This
allows for 34 people per day to help with the everyday workings of the company. As the
company grows, so will the need for more employees and I will hire accordingly with the
advice and help of the floor managers. We will also have local experts in gardening tips,
organic methods, herbal methods, and plant expertise for our bi weekly classes. These
experts will be hired when needed and paid a flat rate of $150. The skills needed for the
everyday employees will be an advanced knowledge of plants and gardening, organic
methods, and uses for herbs and ornamental plants. The floor managers will be fulltime
and paid on salary while the 7 sales staff will be parttime and paid hourly at $10/hour. I will
not offer insurance for fulltime employees until after the 1st year when sales and
employees are more stable. After the 3rd year, I will offer a 50% match to 401k
contributions made only by fulltime staff. I will not pay overtime. Training will be done in a
two week session before the company opens and ALL employees will be paid $8.50/hour
while training. I am also keeping in mind the costs of outside resources necessary to run
the business. (See Job Descriptions on pg. 40)
10
11.
H.Expectation of Loan
The $175,100 will be used as follows:
● Rent for the First Year
○ $18,000 @ $1,500/month
● Renovations to land
○ $45,000 to: excavate; create parking; build fencing for security; prepare organic
beds for displays; create pathways; build small building for dry goods, facilitate
office, bathrooms, and employee break area; tabling for product display; storage
will be offsite
● Equipment
○ $35,000/$50,000 for gardening equipment, greenhouse, vehicles, trailers, heating,
etc. (the remaining amount will be provided by owner)
● Utilities for the first year
○ $18,000 for water, gas, electric, internet @ $1,500/month
● Nursery Stock
○ $29,000
● Twoweek training program
○ $5,100
● Total $175,100
The Flowering Soul is going to lease the property at 7715 Old Bee Cave Rd. for 1,500/month.
This property also allows for an eventual purchase. An independent appraiser has
estimated the value of the renovated land at $225,000 dollars (originally $180,000). We
want to remain flexible with location incase of expansion or some other occurrence. We will
also have to build a greenhouse which will be provided by Texas Greenhouse Company,
the small building will be provided by Country Carpenters, and we will need tabling to
display products.
Gardening equipment is a must to upkeep the stock and create displays, the truck and
trailer will be used for deliveries and to take items to storage, We will lease a forklift to carry
heavy items and help with stocking. I will also purchase safety gear for employees and will
purchase signage for a more organized and easy shopping experience.
11
13.
Section Two: Financial Data
A. Sources of Application and Funding
The Flowering Soul
● Sources:
○ LongTerm Loan $175,100
○ Personal Investment $15,000
■ Total Sources $190,100
● Applications:
○ Rent/Utilities for 1st Year $36,000
○ Renovations: $45,000
○ Equipment: $50,000
○ Cash Reserves: $25,000
○ Nursery Stock: $29,000
○ Employee Training $5,100
■ Total Applications: $190,100
To be secured by the assets of the business and personal guarantees of the
principals, Amanda Comer.
13
14.
B.Capital Equipment List
The Flowering Soul’s Capital Equipment List
Major Equipment Model Cost or List Price
Delivery Truck 2008 Ford F350 SuperDuty
Lariat 4WD
$18,500
Delivery Trailer CarryOn Trailer 5ft x 10ft
treated lumber with ramp
Model #5X10LGW2K
$1,199
Greenhouse American Classic 2500
Series by Texas Greenhouse
CompanyTM
$9,500
Fork Lift (Leased) Morse ForkliftKarrier
55Gallon 12V DC Battery
Power Tilt 1500 Lb. Cap
Model #T9FB806536
$2,839
Greenhouse Heater Williams Direct Vent Gas
Heaters Model #2203621
$599
Gardening Equipment Model Cost or List Price
Hoses (10) Flexon ⅝in x 50ft heavyduty
garden hose Model #76LJ986
$200
Shovels (5) Kobalt ShortHandled
Fiberglass Digging Shovel
Model #1592900
$125
Wheelbarrow (2) Kobalt 6 cuft Steel
Wheelbarrow with FlatFree
Tire Model #C6STK14
$179.94
Hand Pruners (4) Fiskars Bypass Hand Pruner
Model #81096933
$71.92
Gloves (10) Blue Hawk Leather Palm
Work Gloves Model
#LW84059L
$98.80
Safety Goggles (10) 3M Clear Chemical Impact
Goggle Model #9051900001
$29.97
14
15.
Uniforms (Aprons and Shirts)
(15)
Cintas $1,200
Office Equipment Model Cost or List Price
Safe 1879 Diebold Mosler $250
Cash Registers (2) 523 NCR 1997 $2,250
Computers (2) Apple iMac 27” Refurbished $4,000
Laptop Apple Macbook 13”
Refurbished
$1,200
Software (various) $1,500
Finance Calculators (3) Global Industries $113.85
Phones Time Warner Cable $1,200
Long Distance WalkieTalkies
(2)
Motorola MS350R 35Mile
Range
$141.98
Desks, Chairs, Tables Office Depot $1,500
Lighting $650
Security System ADT Security System $3,500
Other Equipment Model Cost or List Price
Employee Fridge Kenmore 1.2 cuft
TopFreezer
$395.99
Display Tables (25) R.W. Rogers and Company $2,399.75
Shopping Carts (35) Nesting Garden Center Model
#RWRPRE880G
$1,750
Total Capital Equipment $55,394.20**
** There is an excess of $5,394.20 that is not listed in the expectation of loan. However, this will
be met by personal contributions, which will be illustrated when I present personal finances.
15
16.
C.Preliminary Balance Sheet
The Flowering Soul
November 2, 2014
Prelim Balance Sheet
Assets
Current Assets
Cash $15,000
Supplies $1,752.68
Merchandise Inventory $29,000
Total Current Assets $45,752.69
Fixed Assets
Equipment $17,453.01
Greenhouse $9,500
Building $20,000
Truck/Trailer/ForkLift $22,538
Furniture $4,149.75
Total Fixed Assets $73,640.75
Total Assets $119,393.44
Liabilities
Current Liabilities
Accounts Payable $10,000
Total Current Liabilities $10,000
Longterm Liabilities
Longterm Loan (15 yr) $175,100
Total Longterm Liabilities $175,100
Total Liabilities $185,100
Owner’s Equity $65,706.56
Total Liabilities and Networth $119,393.44
16
27.
c. Notes of Explanation for Cash Flow
I. Sales this is the cash inflow from retail sales and charged events
Retail This is the projected sales (see income projections) for the business.
Classes This is the projected sales of charged events that would cover classes, field
trips, seminars/ etc.
Other Sources For the first year, as soon as the business starts up. I am going to put
in a
personal $15,000 from my savings into the business to cover startup costs and
and to help cover the negative cash flow for the first few months.
Total This is the sum of sales, retail, and other sources
II. Cash disbur. These are the cash disbursements made to run the business.
Cost of Goods This will be the projected cost of goods for the business and fluctuate
with seasons and specials. (see income statements)
Variable Labor This will be the labor needed to cover everyday sales and manual
tasks throughout the business. (see income statements)
Salaries These are the fixed salaries that will increase with merit and retainment of
the specific employee.
Benefits These will be offered after the first year and will only include health benefits.
Payroll Tax This will be 8% of labor expenses
Utilities/Rent These are a fixed cash disbursement at $1,500/month or $18,000/year
Depreciation This is estimated and factored into the cash disbursements
Advertising This will be $0 for the first year (explained in the notes of explanation on
pg. 23). It will increase year by year as the business continues to grow (percentages of
growth can also be seen on pg.18 on the 3 year summary income statement)
Security This will be a fixed cost at $150/month and provided by ADT unless during
busier seasons where theft is more prevalent. I will provide extra security at this time.
Principal This is the fixed 15 year loan payment agreed upon by the bank @ an
interest rate of 15%. This total comes to about $924/month
Interest This is the interest on the loan at 15% which comes to about $77/month
Total Cash Dis. This is the Total of all the cash disbursements.
III. Net Cash Flow This is the difference between the Total Cash sales and the Total Cash
Disbursements
Cm. Cash Flow This is the cash flow that takes into consideration the month, quarter,
or year before and eventually comes to a total cash base by the end of year three.
IV. Cash on Hand This is part of the working capital that I use to have cash in the register in
order to make cash transactions for the first couple of days until a cash base is
established.
Opening Balance This is the opening balance based on the previous months cash
flow and is calculated month to month. The cash balance starts off at $2000 and goes
from there
Plus CR This is the restatement of the Cash Received for that month
27
35.
Section 3: Supporting Documents
A.Resume
Resume of
Amanda Comer
7715 Old Bee Cave Rd 1250 New Hope Dr.
Austin, Texas 78735 Austin, TX 78759
5123802454 5122449457
Business Experience
(20062009) Red Barn Nursery
Sales Manager
Oversaw sales and maintenance staff
(20102014) Barton Creek Country Club
Golf Course Superintendent
Oversaw purchases, employees, and maintenance
of Barton Creek Golf Course
Education
BS in Horticultural Sciences at Texas Tech University
Minor in Golf Course Management/Turf Sciences
Special Abilities and Interests
VP of Alpha Kappa Psi Eta Theta Chapter
TTU Business Fraternity
(2007 and 2009) Golden Golfcourse Award
Highly skilled in Quickbooks, Excel, Adobe Photoshop
Member of Austin Junior League
Participates in Community Service Monthly
Personal Information
35 years old and married
2 children 7 and 12 years of age
References
Christopher Novak 5126548948 Previous employer chris.novak@shi.org
Britton Gallagher 2146573726 President of AKP brit.gal@sbcglobal.net
35
36.
B.Credit Information
Credit Inquiry
Name: Amanda Comer Date of Birth:
12/29/79
Address: 1250 New Hope Drive Austin, Texas 78759
Telephone: 5122449457 Years there: 6 years
Former Address: 11526 Jollyville Rd. Austin, Texas 78728
Years there: 4 years
Marital Status: Married Name of Spouse: Charles Novak No. Dependents: 2
Employer: Club Corp Barton Creek Country Club Years there: 4 years
Address: 8212 Barton Club Dr. Austin, Texas 78735
Phone: 5123597999 Kind of Business: Sports and Leisure Club
Position: Golf Course Superintendent Net income: $98,200
Former employer/address: Red Barn Nursery 12881 Pond Springs Rd. 78729
Spouse’s employer/address: SHI Corp. Barton Skyway Dr. 78735
Net income: $230,000 Other income:
Account Bank Acct. No Balance
Checking Chase Bank 1000657492334 $10,150
Wells Fargo 1000665399872 $5,678
Savings Wells Fargo 1000665399873 $145,000
Auto Owned: 2013 Acura TL Purchased from:McDavid Acura Austin $: 28,100
Financed By: RBFCU Balanced Owed: $8,500 Monthly: $430
Mortgage Payment/mo.: $2600 Paid to: Wells Fargo
Real Estate owned in name of: Charles Novak Prchs. Price: $320,000
Mtg. Balance: $250,000
Credit References and all debts owing other than above
Name Address Orig. amt. Balance Mo. Payment
Chase Bank 9739 Great Hills
Trail Austin, TX
78759
$15,000 $1,200 $600
RBFCU 3110 N. Lamar
Blvd. Austin, TX
78705
$17,000 $5,600 $320
Life Insurance amount: $500,000 Company: State Farm
Nearest Relative not living with me: Michelle Comer 300 S Biscayne Blvd. Miami, FL 33131
36
37.
C.Personal Balance Sheet
Amanda Comer
November 2, 2014
Assets
Current Assets
Cash $15,828
Savings $145,000
Total Current Assets $160,828
Fixed Assets
Vehicles $45,100
Home $320,000
Investments $7,500
Boat (inherited) $60,000
Total Fixed Assets $432,600
Total Assets $593,428
Liabilities
Current Liabilities
Mortgage Payments $2,800
Car Loan Payments $750
Credit Card Payments $600
Insurance Payments $1,200
Tuition Payments $1,200
Living Exp. (Utilities, food, etc.) $3,500
Total Current Liabilities $10,050
Longterm Liabilities
Mortgage Value $250,000
Car Loan Value $14,100
Credit Card Balance $1,200
Total Longterm Liabilities $265,300
Total Liabilities $275,350
Owner’s Equity $318,078
Total Liabilities and Networth $593,428
37
39.
Taxes
Federal income tax $5,400
Total $5,400
Budget Summary
A. Income gross
Monthly total $28,333
Less Expense
Regular Monthly Payments $6,052
Household operating Expense $3,500
Personal Expense $3,420
Taxes $5,400
Total $9,961
B. Monthly Total Exp. $18,372
Savings (AB) $9,961
39
40.
E.Job Descriptions
Job Title Job Description Job Compensation
Owner Amanda Comer Will oversee all daily operations
and financial operations. Will be in
charge of finances, buying
materials, and will meet weekly
with managers for updates and
reports
No salary will be collected until
business is making a sufficient
profit to do so.
Manager (2) Will directly oversee employees,
handle customer concerns and
service, will conduct interviews,
handle money at beginning of shift
and end. Will meet with owner
once a week on Saturday
mornings to update on problems
and suggestions on
improvements.
Minimum education req.
Associates in Horticulture or
Business management
For the first year, employees will
make $2,000/month. A raise will
be increased by $500/year based
on merit and conduct.
Sales Employee (712) Will be responsible for cleaning,
upkeep, and displaying plant
materials and products. They will
also service customer’s needs and
questions. Rotational shifts will
include, cashier, stocking, floor
sales, and greenhouse
management.
Must be able to perform heavy
lifting, simple sales transactions,
and a basic knowledge of plants.
Paid hourly at $9/hour
Occasional Staff for Classes and
Seminars
The requirements for this job
depend on the season and the
event planned. Must have full
knowledge of what they are
teaching.
$150 per session
40