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IntroductionFinancial Projection ModelThis spreadsheet walks you t.docx

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This document provides a structured financial projection model designed to help businesses create detailed financial forecasts by filling in specified areas in a spreadsheet. It includes worksheets covering start-up funds, salaries, fixed operating expenses, sales forecasts, and cash disbursements, automatically calculating many aspects of the financial data. Users are guided on the use of the model and required entries to effectively use the financial statement templates.

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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 (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
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
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-
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
(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-
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-
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
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
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-
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-
0- 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
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
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$0.00Year OneInterest- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Principal- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Loan Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Year TwoInterest- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Principal- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Loan Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Year ThreeInterest- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Principal- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Loan
Balance- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0- 0Commercial MortgagePrincipal Amount$ - 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
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
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
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
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
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

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IntroductionFinancial Projection ModelThis spreadsheet walks you t.docx

  • 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