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Introduction

Financial Projection Model
This 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– 0
A number found in the color green is optional information that you can complete.
Example: Check these assumptions– 0
Otherwise, 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:
Joe’s Landscaping
The first six worksheets in this workbook are steps you will need to complete. They are titled:
1. Required Start-Up Funds
2. Salaries and Wages
3. Fixed Operating Expenses
4. Projected Sales Forecast (2 sheets)
5. Cash Receipts and Disbursements
The sixth step titled, “Beginning Balance Sheet” is for existing businesses only.
Begin by clicking on the tabs below
q

1. Required Start-Up Funds

Joe’s Landscaping3-Nov-20
Required Start-Up Funds for a New Business
Required Start-Up FundsAmountTotalsDepreciationNotes
Fixed AssetsFixed AssetsPur.
Real Estate$ 100,000.00Real Estate$ 10,000.00
Buildings20.00yearsBuildings$ 50,000.00
Leasehold Improvements7.00yearsLeasehold Improvements
Equipment$ 2,500.007.00yearsEquipment$ 2,500.00
Furniture and Fixtures$ 1,000.005.00yearsFurniture and Fixtures$ 1,000.00
Vehicles$ 25,000.005.00yearsVehicles$ 25,000.00
Other Fixed Assets$ 1,500.005.00yearsOther Fixed Assets$ 1,500.00
Total Fixed Assets130,000
Operating CapitalOperating Capital
Pre-Opening Salaries and Wages$ 1,000.00Pre-Opening Salaries and Wages$ 1,000.00
Prepaid Insurance Premiums$ 1,500.00Prepaid Insurance Premiums$ 1,500.00
Beginning Inventory$ – 0Beginning Inventory$ – 0
Prof. Services (legal,CPA,Bus.Coach)$ 2,500.00Prof. Services (legal,CPA,Bus.Coach)$ 2,500.00
Rent Deposits$ 300.00Rent Deposits$ 300.00
Utility Deposits$ 300.00Utility Deposits$ 300.00
Supplies$ 1,000.00Supplies$ 1,000.00
Advertising and Promotions$ 1,500.00Advertising and Promotions$ 1,500.00
Licenses/Permits$ 300.00Licenses/Permits$ 300.00
Other Initial Start-Up Costs$ 1,500.00Other Initial Start-Up Costs$ 1,500.00
Working Capital (Cash On Hand)$ 7,000.00Working Capital (Cash On Hand)$ 5,000.00
Total Operating Capital16,900
Total Required Funds$ 146,900
Sources of FundingAmountTotalsLoan RateTerm in MonthsMonthly PaymentsSources of Funding
Owner’s Cash Injection68.07%100,000Investment (Owner plus others)$ 100,000.00
Outside Investors0.00%– 0
Additional Loans or DebtDebt
Commercial Loan0.00%– 09.00%72.00$0.00$ – 0
Commercial Mortgage31.93%46,9009.00%240.00$421.97$ 46,900.00
Total Sources of Funding100.00%$ 146,900$421.97Total$ 46,900.00
0$ – 0SBA Loan guarantee85%$ 39,865.00$ – 0
Bank15%$ 7,035.00
$ 46,900.00

2. Salaries and Wages

Joe’s Landscaping3-Nov-20
Salaries and Wages
Salaries and Related Expenses#AssumptionsWage BaseMonthlyYear OneYear TwoYear Three
Percent Change3.00%3.00%
Salaries and Wages
Owner’s Compensation1$ 2,50030,00030,90031,827
Office manager– 0– 0– 0
Wages
Managers0– 0– 0– 0– 0
Estimated Hours Per Week– 0
Estimated Rate Per Hour$ – 0
Assistants13,68344,20045,52646,892
Estimated Hours Per Week50.00
Estimated Rate Per Hour$ 17.00
Independent Contractors– 0– 0– 0– 0
Total Salaries and Wages26,18374,20076,42678,719
Payroll Taxes and Benefits
Social Security6.20%$ 102,0003834,6004,7384,881
Medicare1.45%901,0761,1081,141
Federal Unemployment Tax (FUTA)0.80%$ 7,0009112112112
State Unemployment Tax (SUTA)2.70%$ 7,00032378378378
Employee Pension Programs0.00%– 0– 0– 0– 0
Worker’s Compensation0.00%– 0– 0– 0– 0
Employee Health Insurance0.00%– 0– 0– 0– 0
Other Employee Benefit Programs0.00%– 0– 0– 0– 0
Total Payroll Taxes and Benefits5148%6,1666,3376,512
Total Salaries and Related Expenses6,69780,36682,76385,231

3. Fixed Operating Expenses

Joe’s Landscaping3-Nov-20
Fixed Operating Expenses
Fixed Operating ExpensesMonthlyYear OneYear TwoYear ThreeNotes
Percent Change3.00%3.00%
ExpensesExpensesMONTHLY
Advertising$ 2503,0003,0903,183Advertising$ 250
Auto expenses$ 5006,0006,1806,365Auto expenses$ 500
Telephone/Internet$ 1501,8001,8541,910Telephone/Internet$ 150
Insurance (Liability and Property)$ 1501,8001,8541,910Insurance (Liability and Property)$ 150
Legal and Professional Fees$ 3504,2004,3264,456Legal and Professional Fees$ 350(Attorney, CPA, Other- Quarterly/monthly)
Merchant Fees (Credit Card and Bank Charges)$ 1001,2001,2361,273Merchant Fees (Credit Card and Bank Charges)$ 100(3 % of credit card receipts)
Office expense$ 1501,8001,8541,910Office expense$ 150
Payroll Expense$ – 0– 0– 0– 0Payroll Expense$ – 0
Rent/Lease$ 1501,8001,8541,910Rent/Lease$ 150
Repair/Maintenance$ 3003,6003,7083,819Repair/Maintenance$ 300
Shipping and Delivery$ 50600618637Shipping and Delivery$ 50
Taxes$ – 0– 0– 0– 0Taxes$ – 0
Travel$ – 0– 0– 0– 0Travel$ – 0
Utilities$ 1501,8001,8541,910Utilities$ 150
Personnel expenses (Training, etc.)$ 1501,8001,8541,910Personnel expenses (Training, etc.)$ 150
Miscellaneous$ 1501,8001,8541,910Miscellaneous$ 150
Independent Contractors$ 1,50018,00018,54019,096Independent Contractors$ 3,000(Contractor rate ($25/Hr)X Hrs per month(120)= $3,000)
Customer Service Call center$ 1501,8001,8541,910Customer Service Call center$ 150
Business Coach$ 1501,8001,8541,910Business Coach$ 150
– 0– 0– 0
Total Expenses4,40052,80054,38456,016
Other Expenses
Depreciation4885,8575,8575,857
Interest
Commercial Loan– 0– 0– 0– 0
Commercial Mortgage3494,1854,1034,013
Line of Credit– 0– 0– 0– 0
Total Other Expenses83710,0429,9609,870
Total Fixed Operating Expenses5,23762,84264,34465,886

4. Projected Sales Forecast

Joe’s Landscaping3-Nov-20
Projected Sales Forecast
JanFebMarAprMayJunJulAugSepOctNovDec
Products and ServicesAssumptions%Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Mow
Price Per Unit$ 50.00100.00%
Variable Cost Per Unit$ 5.0010.00%QUESTION: WHAT IS THE MAX PER CREW?
Gross Margin Per Unit$ 45.0090.00%
Projected Unit Sales
Seasonality Factor7.64%7.64%7.64%8.28%8.60%8.92%8.92%9.24%9.24%8.28%7.96%7.64%100.00%
Year One1201201201301351401401451451301251201,570No units per day (5) X days/Week (6) X Weeks/Month (4)= 120 units/month
Year Two Growth0.00%1201201201351351451451501501401351301,625No units per day (6) X days/Week (6) X Weeks/Month (4)= 144 units/month
Year Three Growth0.00%1301301301451451451501601651501451401,735No units per day (7) X days/Week (6) X Weeks/Month (4)= 168 units/month
Fixed Expense Allocation39.37%
Projected Revenue$ 78,500
Variable Costs7,850
Gross Margin70,650
Fixed Expenses24,741
Profit45,90958.48%
Breakeven Sales Revenue$ 27,490.16
Breakeven Sales Units5501202403604906257659051,0501,1951,3251,4501,570
Trim
Price Per Unit$ 10.00100.00%
Variable Cost Per Unit$ 2.0020.00%
Gross Margin Per Unit$ 8.0080.00%
Projected Unit Sales
Seasonality Factor7.64%7.64%7.64%8.28%8.60%8.92%8.92%9.24%9.24%8.28%7.96%7.64%100.00%
Year One1201201201301351401401451451301251201,570
Year Two Growth1201201201351351451451501501401351301,625
Year Three Growth1301301301451451451501601651501451401,735
Fixed Expense Allocation7.87%
Projected Revenue$ 15,700
Variable Costs3,140
Gross Margin12,560
Fixed Expenses4,948
Profit7,61248.48%
Breakeven Sales Revenue$ 6,185.29
Breakeven Sales Units6191202403604906257659051,0501,1951,3251,4501,570

5. Projected Sales Forecast (2)

Joe’s Landscaping3-Nov-20
Projected Sales Forecast – Page 2
Products and ServicesAssumptions%Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Bag
Price Per Unit$ 2.00100.00%
Variable Cost Per Unit$ 0.5025.00%
Gross Margin Per Unit$ 1.5075.00%
Projected Unit Sales
Seasonality Factor7.64%7.64%7.64%8.28%8.60%8.92%8.92%9.24%9.24%8.28%7.96%7.64%100.00%
Year One1201201201301351401401451451301251201,570
Year Two Growth1201201201351351451451501501401351301,625
Year Three Growth1301301301451451451501601651501451401,735
Fixed Expense Allocation1.57%
Projected Revenue$ 3,140
Variable Costs785
Gross Margin2,355
Fixed Expenses990
Profit1,36543.48%
Breakeven Sales Revenue$ 1,319.53
Breakeven Sales Units6601202403604906257659051,0501,1951,3251,4501,570
Package
Price Per Unit$ 65.00100.00%
Variable Cost Per Unit$ 7.5011.54%
Gross Margin Per Unit$ 57.5088.46%
Projected Unit Sales
Seasonality Factor7.64%7.64%7.64%8.28%8.60%8.92%8.92%9.24%9.24%8.28%7.96%7.64%100.00%
Year One1201201201301351401401451451301251201,570
Year Two Growth0.00%1201201201351351451451501501401351301,625
Year Three Growth0.00%1301301301451451451501601651501451401,735
Fixed Expense Allocation51.18%
Projected Revenue$ 102,050
Variable Costs11,775
Gross Margin90,275
Fixed Expenses32,163
Profit58,11256.94%
Breakeven Sales Revenue$ 36,358.72
Breakeven Sales Units5591202403604906257659051,0501,1951,3251,4501,570

6. Cash Receipts-Disbursements

Joe’s Landscaping3-Nov-20
Cash Receipts and Disbursements
Accounts Receivable Collections
Percent of Collections
0 to 30 days75.00%
31 to 60 days25.00%
More than 60 days0.00%
Total Collections Percentage100.00%
Accounts Payable Disbursements
Number of Days to Pay Suppliers
0 to 30 days100.00%
31 to 60 days0.00%
More than 60 days0.00%
Total Disbursements Percentage100.00%
Line of Credit Assumptions
Desired Minimum Cash Balance$ 1,000.00
Line of Credit Interest Rate9.00%
Income Tax Assumptions
Effective Income Tax Rate15.00%
2,800233
Amortization of Start-Up Expenses50042
Amortization Period in Years3.00275

7. Beginning Balance Sheet

Joe’s Landscaping
Balance Sheet (For Existing Businesses Only)
DO NOT USE THIS PAGE FOR ANY DATA ENTRY
The opening balance sheet is now shown on the “start-up” page inputs, so this page is unnecessary.
12/31/06%
Assets
Current Assets
Cash– 0
Accounts Receivable– 0
Inventory– 0
Prepaid Expenses– 0
Other Current– 0
Total Current Assets– 0
Fixed Assets
Real Estate– 0
Buildings– 0
Leasehold Improvements– 0
Equipment– 0
Furniture and Fixtures– 0
Vehicles– 0
Other Fixed Assets– 0
Total Fixed Assets– 0
Less: Accumulated Depreciation– 0
Total Assets– 0
Liabilities and Owner’s Equity
Liabilities
Accounts Payable– 0
Notes Payable– 0
Mortgage Payable– 0
Line of Credit Balance– 0
Total Liabilities– 0
Owner’s Equity
Common Stock– 0
Retained Earnings– 0
Dividends Dispersed– 0
Total Owner’s Equity– 0
Total Liabilities and Owner’s Equity– 0
Statement Balances

8. Income Statement

Joe’s Landscaping
Projected Income Statement – Year One
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
IncomeFixed Expense Allocation
Mow6,0006,0006,0006,5006,7507,0007,0007,2507,2506,5006,2506,00078,50039%
Trim1,2001,2001,2001,3001,3501,4001,4001,4501,4501,3001,2501,20015,7008%
Bag2402402402602702802802902902602502403,1402%
Package7,8007,8007,8008,4508,7759,1009,1009,4259,4258,4508,1257,800102,05051%
Total Income15,24015,24015,24016,51017,14517,78017,78018,41518,41516,51015,87515,240199,390100%
Cost of Sales
Mow6006006006506757007007257256506256007,850
Trim2402402402602702802802902902602502403,140
Bag606060656870707373656360785
Package9009009009751,0131,0501,0501,0881,08897593890011,775
Total Cost of Sales1,8001,8001,8001,9502,0252,1002,1002,1752,1751,9501,8751,80023,550
Gross Margin13,44013,44013,44014,56015,12015,68015,68016,24016,24014,56014,00013,440175,840
Salaries and Wages
Owner’s Compensation2,5002,5002,5002,5002,5002,5002,5002,5002,5002,5002,5002,50030,000
Office manager– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Managers– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Assistants3,6833,6833,6833,6833,6833,6833,6833,6833,6833,6833,6833,68344,200
Independent Contractors– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Payroll Taxes and Benefits5145145145145145145145145145145145146,166
Total Salary and Wages6,6976,6976,6976,6976,6976,6976,6976,6976,6976,6976,6976,69780,366
Fixed Business Expenses
Advertising2502502502502502502502502502502502503,000
Auto expenses5005005005005005005005005005005005006,000
Telephone/Internet1501501501501501501501501501501501501,800
Insurance (Liability and Property)1501501501501501501501501501501501501,800
Legal and Professional Fees3503503503503503503503503503503503504,200
Merchant Fees (Credit Card and Bank Charges)1001001001001001001001001001001001001,200
Office expense1501501501501501501501501501501501501,800
Payroll Expense– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Rent/Lease1501501501501501501501501501501501501,800
Repair/Maintenance3003003003003003003003003003003003003,600
Shipping and Delivery505050505050505050505050600
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Travel– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Utilities1501501501501501501501501501501501501,800
Personnel expenses (Training, etc.)1501501501501501501501501501501501501,800
Miscellaneous1501501501501501501501501501501501501,800
Independent Contractors1,5001,5001,5001,5001,5001,5001,5001,5001,5001,5001,5001,50018,000
Customer Service Call center1501501501501501501501501501501501501,800
Business Coach1501501501501501501501501501501501501,800
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Fixed Business Expenses4,4004,4004,4004,4004,4004,4004,4004,4004,4004,4004,4004,40052,800
Other Expenses
Amortized Start-up Expenses2752752752752752752752752752752752753,300
Depreciation4884884884884884884884884884884884885,857
Interest
Commercial Loan– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Commercial Mortgage3523513513503503493493483473473463464,185
Line of Credit– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes2252262263944785625626466463943102264,895
Total Other Expenses1,3401,3401,3391,5071,5901,6741,6741,7571,7571,5041,4201,33518,237
Net Income1,0031,0031,0031,9562,4322,9092,9093,3863,3861,9591,4831,00824,437
1,5031,5031,5042,6253,1853,7463,7464,3074,3072,6282,0681,509
1,5033,0064,5107,13510,32014,06617,81222,11926,42629,05431,12232,631

9. Cash Flow Statement

Joe’s Landscaping
Projected Cash Flow Statement – Year One
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Beginning Cash Balance7,0005,1117,0328,27610,99914,44117,01021,17125,73328,60032,11734,757
Cash Inflows
Income from Sales11,43011,43011,43012,38312,85913,33513,33513,81113,81112,38311,90611,430149,543
Accounts Receivable– 03,8103,8103,8104,1284,2864,4454,4454,6044,6044,1283,96946,038
Total Cash Inflows11,43015,24015,24016,19316,98617,62117,78018,25618,41516,98616,03415,399195,580
Cash Outflows
Investing Activities
New Capital Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Inventory Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cost of Sales1,8001,8001,8001,9502,0252,1002,1002,1752,1751,9501,8751,80023,550
Operating Activities
Salaries and Wages6,6976,6976,6976,6976,6976,6976,6976,6976,6976,6976,6976,69780,366
Fixed Business Expenses4,4004,4004,4004,4004,4004,4004,4004,4004,4004,4004,4004,40052,800
Taxes– 0– 0677– 0– 01,433– 0– 01,854– 0– 09314,895
Financing Activities– 0
Loan Payments4224224224224224224224224224224224225,064
Line of Credit Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Repayments– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Dividends Paid– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cash Outflows13,31913,31913,99613,46913,54415,05213,61913,69415,54813,46913,39414,250166,675
Cash Flow(1,889)1,9211,2442,7233,4422,5694,1614,5622,8673,5172,6401,14928,905
Operating Cash Balance5,1117,0328,27610,99914,44117,01021,17125,73328,60032,11734,75735,905
Line of Credit Drawdowns– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Ending Cash Balance5,1117,0328,27610,99914,44117,01021,17125,73328,60032,11734,75735,905
Line of Credit Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0

10. Balance Sheet

Joe’s Landscaping
Balance Sheet – Year One
Base PeriodEnd of Year One
Assets
Current Assets
Cash7,00035,905
Accounts Receivable– 03,810
Inventory– 0– 0
Prepaid Expenses8,4005,600
Other Current1,5001,000
Total Current Assets16,90046,315
Fixed Assets
Real Estate100,000100,000
Buildings– 0– 0
Leasehold Improvements– 0– 0
Equipment2,5002,500
Furniture and Fixtures1,0001,000
Vehicles25,00025,000
Other Fixed Assets1,5001,500
Total Fixed Assets130,000130,000
Less: Accumulated Depreciation– 05,857
Total Assets146,900170,458
Liabilities and Owner’s Equity
Liabilities
Accounts Payable– 0– 0
Notes Payable– 0– 0
Mortgage Payable46,90046,022
Line of Credit Balance– 0– 0
Total Liabilities46,90046,022
Owner’s Equity
Common Stock100,000100,000
Retained Earnings– 024,437
Dividends Dispersed– 0– 0
Total Owner’s Equity100,000124,437
Total Liabilities and Owner’s Equity146,900170,458
Statement BalancesStatement Balances

11. Year End Summary

Joe’s Landscaping
Year End Summary
Year One%Year Two%Year Three%
Income
Mow78,50081,25086,750
Trim15,70016,25017,350
Bag3,1403,2503,470
Package102,050105,625112,775
Total Income199,390100.00%206,375100.00%220,345100.00%
Cost of Sales
Mow7,8508,1258,675
Trim3,1403,2503,470
Bag785813868
Package11,77512,18813,013
Total Cost of Sales23,55011.81%24,37511.81%26,02511.81%
Gross Margin175,84088.19%182,00088.19%194,32088.19%
Salaries and Wages
Owner’s Compensation30,00030,90031,827
Office manager– 0– 0– 0
Managers– 0– 0– 0
Assistants44,20045,52646,892
Independent Contractors– 0– 0– 0
Payroll Taxes and Benefits6,1666,3376,512
Total Salary and Wages80,36640.31%82,76340.10%85,23138.68%
Fixed Business Expenses
Advertising3,0003,0903,183
Auto expenses6,0006,1806,365
Telephone/Internet1,8001,8541,910
Insurance (Liability and Property)1,8001,8541,910
Legal and Professional Fees4,2004,3264,456
Merchant Fees (Credit Card and Bank Charges)1,2001,2361,273
Office expense1,8001,8541,910
Payroll Expense– 0– 0– 0
Rent/Lease1,8001,8541,910
Repair/Maintenance3,6003,7083,819
Shipping and Delivery600618637
Taxes– 0– 0– 0
Travel– 0– 0– 0
Utilities1,8001,8541,910
Personnel expenses (Training, etc.)1,8001,8541,910
Miscellaneous1,8001,8541,910
Independent Contractors18,00018,54019,096
Customer Service Call center1,8001,8541,910
Business Coach1,8001,8541,910
0– 0– 0– 0
Total Fixed Business Expenses52,80026.48%54,38426.35%56,01625.42%
Other Expenses
Amortized Start-up Expenses3,3003,3003,300
Depreciation5,8575,8575,857
Interest
Commercial Loan– 0– 0– 0
Commercial Mortgage4,1854,1034,013
Line of Credit– 0– 0– 0
Taxes4,8955,2346,481
Total Other Expenses18,2379.15%18,4948.96%19,6518.92%
Net Income24,43712.26%26,35912.77%33,42315.17%

12. Income Statement (2)

Joe’s Landscaping
Projected Income Statement – Year Two
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Income
Mow6,0006,0006,0006,7506,7507,2507,2507,5007,5007,0006,7506,50081,250
Trim1,2001,2001,2001,3501,3501,4501,4501,5001,5001,4001,3501,30016,250
Bag2402402402702702902903003002802702603,250
Package7,8007,8007,8008,7758,7759,4259,4259,7509,7509,1008,7758,450105,625
Total Income15,24015,24015,24017,14517,14518,41518,41519,05019,05017,78017,14516,510206,375
Cost of Sales
Mow6006006006756757257257507507006756508,125
Trim2402402402702702902903003002802702603,250
Bag606060686873737575706865813
Package9009009001,0131,0131,0881,0881,1251,1251,0501,01397512,188
Total Cost of Sales1,8001,8001,8002,0252,0252,1752,1752,2502,2502,1002,0251,95024,375
Gross Margin13,44013,44013,44015,12015,12016,24016,24016,80016,80015,68015,12014,560182,000
Salaries and Wages
Owner’s Compensation2,5752,5752,5752,5752,5752,5752,5752,5752,5752,5752,5752,57530,900
Office manager– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Managers– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Assistants3,7943,7943,7943,7943,7943,7943,7943,7943,7943,7943,7943,79445,526
Independent Contractors– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Payroll Taxes and Benefits5285285285285285285285285285285285286,337
Total Salary and Wages6,8976,8976,8976,8976,8976,8976,8976,8976,8976,8976,8976,89782,763
Fixed Business Expenses
Advertising2582582582582582582582582582582582583,090
Auto expenses5155155155155155155155155155155155156,180
Telephone/Internet1551551551551551551551551551551551551,854
Insurance (Liability and Property)1551551551551551551551551551551551551,854
Legal and Professional Fees3613613613613613613613613613613613614,326
Merchant Fees (Credit Card and Bank Charges)1031031031031031031031031031031031031,236
Office expense1551551551551551551551551551551551551,854
Payroll Expense– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Rent/Lease1551551551551551551551551551551551551,854
Repair/Maintenance3093093093093093093093093093093093093,708
Shipping and Delivery525252525252525252525252618
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Travel– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Utilities1551551551551551551551551551551551551,854
Personnel expenses (Training, etc.)1551551551551551551551551551551551551,854
Miscellaneous1551551551551551551551551551551551551,854
Independent Contractors1,5451,5451,5451,5451,5451,5451,5451,5451,5451,5451,5451,54518,540
Customer Service Call center1551551551551551551551551551551551551,854
Business Coach1551551551551551551551551551551551551,854
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Fixed Business Expenses4,5324,5324,5324,5324,5324,5324,5324,5324,5324,5324,5324,53254,384
Other Expenses
Amortized Start-up Expenses2752752752752752752752752752752752753,300
Depreciation4884884884884884884884884884884884885,857
Interest
Commercial Loan– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Commercial Mortgage3453453443433433423423413403403393394,103
Line of Credit– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes1771771774294295975976816815134303465,234
Total Other Expenses1,2851,2841,2841,5351,5351,7021,7021,7851,7851,6161,5321,44718,494
Net Income7267277272,1562,1563,1093,1093,5863,5862,6352,1591,68426,359
1,1781,1781,1792,8602,8603,9813,9814,5424,5433,4232,8642,304
1,1782,3563,5356,3959,25513,23617,21721,75926,30229,72532,58934,893

13. Cash Flow Statement (2)

Joe’s Landscaping
Projected Cash Flow Statement – Year Two
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Beginning Cash Balance35,90537,49539,08440,14342,93546,20548,82153,21058,00160,99065,13768,564
Cash Inflows
Income from Sales11,43011,43011,43012,85912,85913,81113,81114,28814,28813,33512,85912,383154,781
Accounts Receivable3,8103,8103,8103,8104,2864,2864,6044,6044,7634,7634,4454,28651,276
Total Cash Inflows15,24015,24015,24016,66917,14518,09818,41518,89119,05018,09817,30416,669206,058
Cash Outflows
Investing Activities
New Capital Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Inventory Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cost of Sales1,8001,8001,8002,0252,0252,1752,1752,2502,2502,1002,0251,95024,375
Operating Activities
Salaries and Wages6,8976,8976,8976,8976,8976,8976,8976,8976,8976,8976,8976,89782,763
Fixed Business Expenses4,5324,5324,5324,5324,5324,5324,5324,5324,5324,5324,5324,53254,384
Taxes– 0– 0530– 0– 01,455– 0– 01,960– 0– 01,2895,234
Financing Activities– 0
Loan Payments4224224224224224224224224224224224225,064
Line of Credit Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Repayments– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Dividends Paid– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cash Outflows13,65113,65114,18113,87613,87615,48114,02614,10116,06113,95113,87615,090171,819
Cash Flow1,5891,5891,0592,7933,2692,6174,3894,7902,9894,1473,4281,57934,238
Operating Cash Balance37,49539,08440,14342,93546,20548,82153,21058,00160,99065,13768,56470,144
Line of Credit Drawdowns– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Ending Cash Balance37,49539,08440,14342,93546,20548,82153,21058,00160,99065,13768,56470,144
Line of Credit Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0

14. Balance Sheet (2)

Joe’s Landscaping
Balance Sheet – Year Two
End of Year OneEnd of Year Two
Assets
Current Assets
Cash35,90570,144
Accounts Receivable3,8104,128
Inventory– 0– 0
Prepaid Expenses5,6002,800
Other Current1,000500
Total Current Assets46,31577,571
Fixed Assets
Real Estate100,000100,000
Buildings– 0– 0
Leasehold Improvements– 0– 0
Equipment2,5002,500
Furniture and Fixtures1,0001,000
Vehicles25,00025,000
Other Fixed Assets1,5001,500
Total Fixed Assets130,000130,000
Less: Accumulated Depreciation5,85711,714
Total Assets170,458195,856
Liabilities and Owner’s Equity
Liabilities
Accounts Payable– 0– 0
Notes Payable– 0– 0
Mortgage Payable46,02245,061
Line of Credit Balance– 0– 0
Total Liabilities46,02245,061
Owner’s Equity
Common Stock100,000100,000
Retained Earnings24,43750,796
Dividends Dispersed– 0– 0
Total Owner’s Equity124,437150,796
Total Liabilities and Owner’s Equity170,458195,856
Statement BalancesStatement Balances

15. Income Statement (3)

Joe’s Landscaping
Projected Income Statement – Year Three
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Income
Mow6,5006,5006,5007,2507,2507,2507,5008,0008,2507,5007,2507,00086,750
Trim1,3001,3001,3001,4501,4501,4501,5001,6001,6501,5001,4501,40017,350
Bag2602602602902902903003203303002902803,470
Package8,4508,4508,4509,4259,4259,4259,75010,40010,7259,7509,4259,100112,775
Total Income16,51016,51016,51018,41518,41518,41519,05020,32020,95519,05018,41517,780220,345
Cost of Sales
Mow6506506507257257257508008257507257008,675
Trim2602602602902902903003203303002902803,470
Bag656565737373758083757370868
Package9759759751,0881,0881,0881,1251,2001,2381,1251,0881,05013,013
Total Cost of Sales1,9501,9501,9502,1752,1752,1752,2502,4002,4752,2502,1752,10026,025
Gross Margin14,56014,56014,56016,24016,24016,24016,80017,92018,48016,80016,24015,680194,320
Salaries and Wages
Owner’s Compensation2,6522,6522,6522,6522,6522,6522,6522,6522,6522,6522,6522,65231,827
Office manager– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Managers– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Assistants3,9083,9083,9083,9083,9083,9083,9083,9083,9083,9083,9083,90846,892
Independent Contractors– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Payroll Taxes and Benefits5435435435435435435435435435435435436,512
Total Salary and Wages7,1037,1037,1037,1037,1037,1037,1037,1037,1037,1037,1037,10385,231
Fixed Business Expenses
Advertising2652652652652652652652652652652652653,183
Auto expenses5305305305305305305305305305305305306,365
Telephone/Internet1591591591591591591591591591591591591,910
Insurance (Liability and Property)1591591591591591591591591591591591591,910
Legal and Professional Fees3713713713713713713713713713713713714,456
Merchant Fees (Credit Card and Bank Charges)1061061061061061061061061061061061061,273
Office expense1591591591591591591591591591591591591,910
Payroll Expense– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Rent/Lease1591591591591591591591591591591591591,910
Repair/Maintenance3183183183183183183183183183183183183,819
Shipping and Delivery535353535353535353535353637
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Travel– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Utilities1591591591591591591591591591591591591,910
Personnel expenses (Training, etc.)1591591591591591591591591591591591591,910
Miscellaneous1591591591591591591591591591591591591,910
Independent Contractors1,5911,5911,5911,5911,5911,5911,5911,5911,5911,5911,5911,59119,096
Customer Service Call center1591591591591591591591591591591591591,910
Business Coach1591591591591591591591591591591591591,910
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Fixed Business Expenses4,6684,6684,6684,6684,6684,6684,6684,6684,6684,6684,6684,66856,016
Other Expenses
Amortized Start-up Expenses2752752752752752752752752752752752753,300
Depreciation4884884884884884884884884884884884885,857
Interest
Commercial Loan– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Commercial Mortgage3383373373363353353343333333323313314,013
Line of Credit– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes2952952955475475476317998836315474646,481
Total Other Expenses1,3961,3951,3941,6461,6451,6451,7281,8961,9791,7271,6421,55719,651
Net Income1,3941,3941,3952,8242,8242,8253,3014,2544,7303,3032,8272,35233,423
1,9631,9641,9653,6453,6463,6474,2075,3285,8894,2093,6503,091
1,9633,9275,8929,53713,18316,83021,03726,36532,25436,46340,11343,204

16. Cash Flow Statement (3)

Joe’s Landscaping
Projected Cash Flow Statement – Year Three
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Beginning Cash Balance70,14472,51174,87976,36279,93483,98186,38890,83796,247100,062105,146109,352
Cash Inflows
Income from Sales12,38312,38312,38313,81113,81113,81114,28815,24015,71614,28813,81113,335165,259
Accounts Receivable4,1284,1284,1284,1284,6044,6044,6044,7635,0805,2394,7634,60454,769
Total Cash Inflows16,51016,51016,51017,93918,41518,41518,89120,00320,79619,52618,57417,939220,028
Cash Outflows
Investing Activities
New Capital Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Inventory Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cost of Sales1,9501,9501,9502,1752,1752,1752,2502,4002,4752,2502,1752,10026,025
Operating Activities
Salaries and Wages7,1037,1037,1037,1037,1037,1037,1037,1037,1037,1037,1037,10385,231
Fixed Business Expenses4,6684,6684,6684,6684,6684,6684,6684,6684,6684,6684,6684,66856,016
Taxes– 0– 0884– 0– 01,641– 0– 02,314– 0– 01,6426,481
Financing Activities– 0
Loan Payments4224224224224224224224224224224224225,064
Line of Credit Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Repayments– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Dividends Paid– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cash Outflows14,14214,14215,02614,36714,36716,00814,44214,59216,98114,44214,36715,935178,816
Cash Flow2,3682,3681,4843,5714,0482,4074,4495,4103,8155,0844,2062,00441,212
Operating Cash Balance72,51174,87976,36279,93483,98186,38890,83796,247100,062105,146109,352111,356
Line of Credit Drawdowns– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Ending Cash Balance72,51174,87976,36279,93483,98186,38890,83796,247100,062105,146109,352111,356
Line of Credit Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0

17. Balance Sheet (3)

Joe’s Landscaping
Balance Sheet – Year Three
End of Year TwoEnd of Year Three
Assets
Current Assets
Cash70,144111,356
Accounts Receivable4,1284,445
Inventory– 0– 0
Prepaid Expenses2,800– 0
Other Current500– 0
Total Current Assets77,571115,801
Fixed Assets
Real Estate100,000100,000
Buildings– 0– 0
Leasehold Improvements– 0– 0
Equipment2,5002,500
Furniture and Fixtures1,0001,000
Vehicles25,00025,000
Other Fixed Assets1,5001,500
Total Fixed Assets130,000130,000
Less: Accumulated Depreciation11,71417,571
Total Assets195,856228,229
Liabilities and Owner’s Equity
Liabilities
Accounts Payable– 0– 0
Notes Payable– 0– 0
Mortgage Payable45,06144,010
Line of Credit Balance– 0– 0
Total Liabilities45,06144,010
Owner’s Equity
Common Stock100,000100,000
Retained Earnings50,79684,219
Dividends Dispersed– 0– 0
Total Owner’s Equity150,796184,219
Total Liabilities and Owner’s Equity195,856228,2291.33
Statement BalancesStatement Balances

18. Financial Ratios

Joe’s Landscaping
Financial Ratios
RatioYear OneYear TwoYear ThreeRMA Industry Norms
Liquidity
Current Ratio1.011.722.63
Quick Ratio0.861.652.63
Safety
Debt to Equity Ratio0.370.300.24
Debt to Coverage Ratio0.660.710.89
Profitability
Sales Growth– 00.040.07
COGS to Sales0.120.120.12
Gross Profit Margin0.880.880.88
SG&A to Sales0.670.660.64
Net Profit Margin0.120.130.15
Return on Equity0.200.170.18
Return on Assets0.140.130.15
Owner’s Compensation to Sales0.150.150.14
Efficiency
Days in Receivables6.887.207.26
Accounts Receivable Turnover52.3350.0049.57
Days in Inventory– 0– 0– 0
Inventory Turnover– 0– 0– 0
Sales to Total Assets1.171.050.97

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 Analysis

Joe’s Landscaping
Breakeven Analysis
Breakeven AnalysisDollarsPercent
Annual Sales Revenue$ 199,390100.00%
Cost of Sales23,55011.81%
Gross Margin175,84088.19%
Salaries and Wages80,366
Fixed Operating Expenses62,842
Total Fixed Business Expenses143,209
Breakeven Sales Calculation143,209
88.19%
Breakeven Sales in Dollars$ 162,389

20. Amoritization Schedule

Joe’s Landscaping
Amortization Schedule
Loan TypeAssumptionsMonth 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Commercial Loan
Principal Amount$ – 0
Interest Rate9.00%
Loan Term in Months72.00
Monthly Payment Amount$0.00
Year One
Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Principal– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Loan Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Year Two
Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Principal– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Loan Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Year Three
Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Principal– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Loan Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Commercial Mortgage
Principal Amount$ 46,900.00
Interest Rate9.00%
Loan Term in Months240.00
Monthly Payment Amount$421.97
Year One
Interest3523513513503503493493483473473463464,185
Principal707171727273737475757676878
Loan Balance46,83046,75946,68846,61646,54446,47146,39746,32346,24946,17446,09846,022
Year Two
Interest3453453443433433423423413403403393394,103
Principal777778797980808182828383961
Loan Balance45,94545,86845,79045,71145,63245,55245,47245,39145,30945,22745,14445,061
Year Three
Interest3383373373363353353343333333323313314,013
Principal8485858687878889899091911,051
Loan Balance44,97744,89244,80744,72144,63544,54744,46044,37144,28244,19244,10144,010

21. Financial Diagnostics

Joe’s Landscaping
Financial Diagnostics
This sheet performs a few tests on your numbers to see if they seem within certain reasonable ranges.
Remember, no computer can tell whether your projections are truly well-constructed, only a human can do that.
But these tests can at least look for values that are critically out of range.
Financial DiagnosticsValueFindings
General Financing Assumptions
Owner’s Cash Injection into the Business68.07%Owner’s injection is reasonable
Cash Request as percent of Total Required Funds4.77%Cash request seems reasonable with respect to total request
Loan Assumptions
Commercial Loan Interest rate9.00%Interest rate seems reasonable
Commercial Loan Term in Months72Loan term seems within range for this type of loan
Commercial Mortgage Interest rate9.00%Interest rate seems reasonable
Commercial Mortgage Term in Months240.00Loan term seems within range for this type of loan
Loan Payments as a Percent of Projected Sales0.21%Calculated loan payments as a percent of sales seem resonable
Income Statement
Gross Margin as a Percent of Sales88.19%Gross margin percentage seems reasonable
Owner’s Compensation Lower Limit Check$ 30,000An owner’s compensation amount has been established
Owner’s Compensation Upper Limit Check122.77%Owner’s compensation may be too high relative to profitability of business
Advertising Expense Levels as a Percent of Sales1.50%Advertising as a percent of sales may be too low
Profitability Levels$ 24,437The business is showing a profit
Profitability as a Percent of Sales12.26%The projection does not seem highly unreasonable
Cash Flow Statement
Desired Operating cash Flow Levels$ – 0The financial projection provides the desired level of cash flow
Line of Credit Drawdowns$ – 0The business doesn’t seem to require a line of credit
Accounts Receivable Ratio to Sales1.91%Accounts receivable amount as a percent of sales seems reasonable
Balance Sheet
Does the Base Period Balance Sheet Balance?– 0The balance sheet does balance
Does the Final Balance Sheet Balance– 0The balance sheet does balance
Debt to Equity Ratio36.98%The debt to equity ratio seems reasonable
Breakeven Analysis
Breakeven Levels$ 37,001The sales projection exceeds the projected break-even sales level

Introduction

Financial Projection Model
This 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– 0
A number found in the color green is optional information that you can complete.
Example: Check these assumptions– 0
Otherwise, 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:
The first six worksheets in this workbook are steps you will need to complete. They are titled:
1. Required Start-Up Funds
2. Salaries and Wages
3. Fixed Operating Expenses
4. Projected Sales Forecast (2 sheets)
5. Cash Receipts and Disbursements
The sixth step titled, “Beginning Balance Sheet” is for existing businesses only.
Begin by clicking on the tabs below
q

1. Required Start-Up Funds

04-Jan-21
Required Start-Up Funds for a New Business
Required Start-Up FundsAmountTotalsDepreciationNotes
Fixed Assets
Real Estate
Buildings20.00years
Leasehold Improvements7.00years
Equipment7.00years
Furniture and Fixtures5.00years
Vehicles5.00years
Other Fixed Assets5.00years
Total Fixed Assets– 0
Operating Capital
Pre-Opening Salaries and Wages
Prepaid Insurance Premiums
Beginning Inventory
Prof. Services (legal,CPA,Bus.Coach)
Rent Deposits
Utility Deposits
Supplies
Advertising and Promotions
Licenses
Other Initial Start-Up Costs
Working Capital (Cash On Hand)
Total Operating Capital– 0
Total Required Funds$ – 0
Sources of FundingAmountTotalsLoan RateTerm in MonthsMonthly Payments
Owner’s Cash Injection0.00%
Outside Investors0.00%
Additional Loans or Debt
Commercial Loan0.00%– 09.00%72.00$0.00
Commercial Mortgage0.00%– 09.00%240.00$0.00
Total Sources of Funding0.00%$ – 0$0.00
0$ – 0

2. Salaries and Wages

04-Jan-21
Salaries and Wages
Salaries and Related Expenses#AssumptionsWage BaseMonthlyYear OneYear TwoYear Three
Percent Change3.00%3.00%
Salaries and Wages
Owner’s Compensation– 0– 0– 0
Office manager– 0– 0– 0
Wages
Managers– 0– 0– 0– 0
Estimated Hours Per Week
Estimated Rate Per Hour
Assistants– 0– 0– 0– 0
Estimated Hours Per Week
Estimated Rate Per Hour
Independent Contractors– 0– 0– 0– 0
Total Salaries and Wages0– 0– 0– 0– 0
Payroll Taxes and Benefits0%
Social Security6.20%$ 102,000– 0– 0– 0– 0
Medicare1.45%– 0– 0– 0– 0
Federal Unemployment Tax (FUTA)0.80%$ 7,000– 0– 0– 0– 0
State Unemployment Tax (SUTA)2.70%$ 7,000– 0– 0– 0– 0
Employee Pension Programs0.00%– 0– 0– 0– 0
Worker’s Compensation0.00%– 0– 0– 0– 0
Employee Health Insurance0.00%– 0– 0– 0– 0
Other Employee Benefit Programs0.00%– 0– 0– 0– 0
Total Payroll Taxes and Benefits– 00%– 0– 0– 00%0%0%0%
Total Salaries and Related Expenses– 0– 0– 0– 0

3. Fixed Operating Expenses

04-Jan-21
Fixed Operating Expenses
Fixed Operating ExpensesMonthlyYear OneYear TwoYear ThreeNotes
Percent Change3.00%3.00%
Expenses
Advertising– 0– 0– 0
Auto expenses– 0– 0– 0
Telephone/Internet– 0– 0– 0
Insurance (Liability and Property)– 0– 0– 0
Legal and Professional Fees– 0– 0– 0
Merchant Fees (Credit Card and Bank Charges)– 0– 0– 0
Office expense– 0– 0– 0
Payroll Expense– 0– 0– 0
Rent/Lease– 0– 0– 0
Repair/Maintenance– 0– 0– 0
Shipping and Delivery– 0– 0– 0
Taxes– 0– 0– 0
Travel– 0– 0– 0
Utilities– 0– 0– 0
Personnel expenses (Training, etc.)– 0– 0– 0
Miscellaneous– 0– 0– 0
IT Call center Services– 0– 0– 0
Customer Service Call center– 0– 0– 0
Business Coach– 0– 0– 0
– 0– 0– 0
Total Expenses– 0– 0– 0– 0
Other Expenses
Depreciation– 0– 0– 0– 0
Interest
Commercial Loan– 0– 0– 0– 0
Commercial Mortgage– 0– 0– 0– 0
Line of Credit– 0– 0– 0– 0
Total Other Expenses– 0– 0– 0– 0
Total Fixed Operating Expenses– 0– 0– 0– 0

4. Projected Sales Forecast

04-Jan-21
Projected Sales Forecast
Products and ServicesAssumptions%Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Product/Service A
Price Per Unit100.00%
Variable Cost Per Unit0.00%
Gross Margin Per Unit$ – 00.00%
Projected Unit Sales
Seasonality 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– 0
Year Two Growth0.00%– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Year Three Growth0.00%– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Fixed Expense Allocation81.00%
Projected Revenue$ – 0
Variable Costs– 0
Gross Margin– 0
Fixed Expenses– 0
Profit– 00.00%
Breakeven Sales Revenue$ – 0
Breakeven Sales Units– 0.– 0
Product/Service B
Price Per Unit100.00%
Variable Cost Per Unit0.00%
Gross Margin Per Unit$ – 00.00%
Projected Unit Sales
Seasonality 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– 0
Year Two Growth– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Year Three Growth– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Fixed Expense Allocation15.00%
Projected Revenue$ – 0
Variable Costs– 0
Gross Margin– 0
Fixed Expenses– 0
Profit– 00.00%
Breakeven Sales Revenue$ – 0
Breakeven Sales Units– 0

5. Projected Sales Forecast (2)

04-Jan-21
Projected Sales Forecast – Page 2
Products and ServicesAssumptions%Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Product/Service C
Price Per Unit100.00%
Variable Cost Per Unit0.00%
Gross Margin Per Unit$ – 00.00%
Projected Unit Sales
Seasonality 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– 0
Year Two Growth– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Year Three Growth– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Fixed Expense Allocation5.00%
Projected Revenue$ – 0
Variable Costs– 0
Gross Margin– 0
Fixed Expenses– 0
Profit– 00.00%
Breakeven Sales Revenue$ – 0
Breakeven Sales Units– 0
Product/Service D
Price Per Unit$ – 0100.00%
Variable Cost Per Unit$ – 00.00%
Gross Margin Per Unit$ – 00.00%
Projected Unit Sales
Seasonality 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– 0
Year Two Growth10.00%– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Year Three Growth10.00%– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Fixed Expense Allocation0.00%
Projected Revenue$ – 0
Variable Costs– 0
Gross Margin– 0
Fixed Expenses– 0
Profit– 00.00%
Breakeven Sales Revenue$ – 0
Breakeven Sales Units– 0

6. Cash Receipts-Disbursements

04-Jan-21
Cash Receipts and Disbursements
Accounts Receivable Collections
Percent of Collections
0 to 30 days75.00%
31 to 60 days25.00%
More than 60 days0.00%
Total Collections Percentage100.00%
Accounts Payable Disbursements
Number of Days to Pay Suppliers
0 to 30 days100.00%
31 to 60 days0.00%
More than 60 days0.00%
Total Disbursements Percentage100.00%
Line of Credit Assumptions
Desired Minimum Cash Balance
Line of Credit Interest Rate9.00%
Income Tax Assumptions
Effective Income Tax Rate0.00%
– 0– 0
Amortization of Start-Up Expenses– 0– 0
Amortization Period in Years3.00– 0

7. Beginning Balance Sheet

0
Balance Sheet (For Existing Businesses Only)
DO NOT USE THIS PAGE FOR ANY DATA ENTRY
The opening balance sheet is now shown on the “start-up” page inputs, so this page is unnecessary.
12/31/06%
Assets
Current Assets
Cash– 0
Accounts Receivable– 0
Inventory– 0
Prepaid Expenses– 0
Other Current– 0
Total Current Assets– 0
Fixed Assets
Real Estate– 0
Buildings– 0
Leasehold Improvements– 0
Equipment– 0
Furniture and Fixtures– 0
Vehicles– 0
Other Fixed Assets– 0
Total Fixed Assets– 0
Less: Accumulated Depreciation– 0
Total Assets– 0
Liabilities and Owner’s Equity
Liabilities
Accounts Payable– 0
Notes Payable– 0
Mortgage Payable– 0
Line of Credit Balance– 0
Total Liabilities– 0
Owner’s Equity
Common Stock– 0
Retained Earnings– 0
Dividends Dispersed– 0
Total Owner’s Equity– 0
Total Liabilities and Owner’s Equity– 0
Statement Balances

8. Income Statement

0
Projected Income Statement – Year One
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Income
Product/Service A– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 00%
Product/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– 0– 00%
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Income– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cost of Sales
Product/Service A– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Product/Service B– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cost of Sales– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Gross Margin– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Salaries and Wages
Owner’s Compensation– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Office manager– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Managers– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Assistants– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Independent Contractors– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Payroll Taxes and Benefits– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Salary and Wages– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Fixed Business Expenses
Advertising– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Auto expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Telephone/Internet– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Insurance (Liability and Property)– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Legal and Professional Fees– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Merchant Fees (Credit Card and Bank Charges)– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Office expense– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Payroll Expense– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Rent/Lease– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Repair/Maintenance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Shipping and Delivery– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Travel– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Utilities– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Personnel expenses (Training, etc.)– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Miscellaneous– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
IT Call center Services– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Customer Service Call center– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Business Coach– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Fixed Business Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Other Expenses
Amortized Start-up Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Depreciation– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Interest
Commercial Loan– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Commercial Mortgage– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Other Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Net 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 Statement

0
Projected Cash Flow Statement – Year One
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Beginning Cash Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cash Inflows
Income from Sales– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Accounts Receivable– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cash Inflows– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cash Outflows
Investing Activities
New Capital Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Inventory Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cost of Sales– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Operating Activities
Salaries and Wages– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Fixed Business Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Financing Activities– 0
Loan Payments– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Repayments– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Dividends Paid– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cash Outflows– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cash Flow– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Operating Cash Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Drawdowns– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Ending Cash Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0

10. Balance Sheet

0
Balance Sheet – Year One
Base PeriodEnd of Year One
Assets
Current Assets
Cash– 0– 0
Accounts Receivable– 0– 0
Inventory– 0– 0
Prepaid Expenses– 0– 0
Other Current– 0– 0
Total Current Assets– 0– 0
Fixed Assets
Real Estate– 0– 0
Buildings– 0– 0
Leasehold Improvements– 0– 0
Equipment– 0– 0
Furniture and Fixtures– 0– 0
Vehicles– 0– 0
Other Fixed Assets– 0– 0
Total Fixed Assets– 0– 0
Less: Accumulated Depreciation– 0– 0
Total Assets– 0– 0
Liabilities and Owner’s Equity
Liabilities
Accounts Payable– 0– 0
Notes Payable– 0– 0
Mortgage Payable– 0– 0
Line of Credit Balance– 0– 0
Total Liabilities– 0– 0
Owner’s Equity
Common Stock– 0– 0
Retained Earnings– 0– 0
Dividends Dispersed– 0– 0
Total Owner’s Equity– 0– 0
Total Liabilities and Owner’s Equity– 0– 0
Statement BalancesStatement Balances

11. Year End Summary

0
Year End Summary
Year One%Year Two%Year Three%
Income
Product/Service A– 0– 0– 0
Product/Service B– 0– 0– 0
0– 0– 0– 0
0– 0– 0– 0
Total Income– 0100.00%– 0100.00%– 0100.00%
Cost of Sales
Product/Service A– 0– 0– 0
Product/Service B– 0– 0– 0
0– 0– 0– 0
0– 0– 0– 0
Total Cost of Sales– 00.00%– 00.00%– 00.00%
Gross Margin– 00.00%– 00.00%– 00.00%
Salaries and Wages
Owner’s Compensation– 0– 0– 0
Office manager– 0– 0– 0
Managers– 0– 0– 0
Assistants– 0– 0– 0
Independent Contractors– 0– 0– 0
Payroll Taxes and Benefits– 0– 0– 0
Total Salary and Wages– 00.00%– 00.00%– 00.00%
Fixed Business Expenses
Advertising– 0– 0– 0
Auto expenses– 0– 0– 0
Telephone/Internet– 0– 0– 0
Insurance (Liability and Property)– 0– 0– 0
Legal and Professional Fees– 0– 0– 0
Merchant Fees (Credit Card and Bank Charges)– 0– 0– 0
Office expense– 0– 0– 0
Payroll Expense– 0– 0– 0
Rent/Lease– 0– 0– 0
Repair/Maintenance– 0– 0– 0
Shipping and Delivery– 0– 0– 0
Taxes– 0– 0– 0
Travel– 0– 0– 0
Utilities– 0– 0– 0
Personnel expenses (Training, etc.)– 0– 0– 0
Miscellaneous– 0– 0– 0
IT Call center Services– 0– 0– 0
Customer Service Call center– 0– 0– 0
Business Coach– 0– 0– 0
0– 0– 0– 0
Total Fixed Business Expenses– 00.00%– 00.00%– 00.00%
Other Expenses
Amortized Start-up Expenses– 0– 0– 0
Depreciation– 0– 0– 0
Interest
Commercial Loan– 0– 0– 0
Commercial Mortgage– 0– 0– 0
Line of Credit– 0– 0– 0
Taxes– 0– 0– 0
Total Other Expenses– 00.00%– 00.00%– 00.00%
Net Income– 00.00%– 00.00%– 00.00%

12. Income Statement (2)

0
Projected Income Statement – Year Two
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Income
Product/Service A– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Product/Service B– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Income– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cost of Sales
Product/Service A– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Product/Service B– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cost of Sales– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Gross Margin– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Salaries and Wages
Owner’s Compensation– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Office manager– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Managers– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Assistants– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Independent Contractors– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Payroll Taxes and Benefits– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Salary and Wages– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Fixed Business Expenses
Advertising– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Auto expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Telephone/Internet– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Insurance (Liability and Property)– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Legal and Professional Fees– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Merchant Fees (Credit Card and Bank Charges)– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Office expense– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Payroll Expense– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Rent/Lease– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Repair/Maintenance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Shipping and Delivery– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Travel– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Utilities– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Personnel expenses (Training, etc.)– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Miscellaneous– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
IT Call center Services– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Customer Service Call center– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Business Coach– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Fixed Business Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Other Expenses
Amortized Start-up Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Depreciation– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Interest
Commercial Loan– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Commercial Mortgage– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Other Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Net 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)

0
Projected Cash Flow Statement – Year Two
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Beginning Cash Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cash Inflows
Income from Sales– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Accounts Receivable– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cash Inflows– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cash Outflows
Investing Activities
New Capital Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Inventory Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cost of Sales– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Operating Activities
Salaries and Wages– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Fixed Business Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Financing Activities– 0
Loan Payments– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Repayments– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Dividends Paid– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cash Outflows– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cash Flow– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Operating Cash Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Drawdowns– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Ending Cash Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0

14. Balance Sheet (2)

0
Balance Sheet – Year Two
End of Year OneEnd of Year Two
Assets
Current Assets
Cash– 0– 0
Accounts Receivable– 0– 0
Inventory– 0– 0
Prepaid Expenses– 0– 0
Other Current– 0– 0
Total Current Assets– 0– 0
Fixed Assets
Real Estate– 0– 0
Buildings– 0– 0
Leasehold Improvements– 0– 0
Equipment– 0– 0
Furniture and Fixtures– 0– 0
Vehicles– 0– 0
Other Fixed Assets– 0– 0
Total Fixed Assets– 0– 0
Less: Accumulated Depreciation– 0– 0
Total Assets– 0– 0
Liabilities and Owner’s Equity
Liabilities
Accounts Payable– 0– 0
Notes Payable– 0– 0
Mortgage Payable– 0– 0
Line of Credit Balance– 0– 0
Total Liabilities– 0– 0
Owner’s Equity
Common Stock– 0– 0
Retained Earnings– 0– 0
Dividends Dispersed– 0– 0
Total Owner’s Equity– 0– 0
Total Liabilities and Owner’s Equity– 0– 0
Statement BalancesStatement Balances

15. Income Statement (3)

0
Projected Income Statement – Year Three
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Income
Product/Service A– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Product/Service B– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Income– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cost of Sales
Product/Service A– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Product/Service B– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cost of Sales– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Gross Margin– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Salaries and Wages
Owner’s Compensation– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Office manager– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Managers– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Assistants– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Independent Contractors– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Payroll Taxes and Benefits– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Salary and Wages– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Fixed Business Expenses
Advertising– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Auto expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Telephone/Internet– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Insurance (Liability and Property)– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Legal and Professional Fees– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Merchant Fees (Credit Card and Bank Charges)– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Office expense– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Payroll Expense– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Rent/Lease– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Repair/Maintenance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Shipping and Delivery– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Travel– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Utilities– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Personnel expenses (Training, etc.)– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Miscellaneous– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
IT Call center Services– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Customer Service Call center– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Business Coach– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Fixed Business Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Other Expenses
Amortized Start-up Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Depreciation– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Interest
Commercial Loan– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Commercial Mortgage– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Other Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Net 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)

0
Projected Cash Flow Statement – Year Three
Month 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Beginning Cash Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cash Inflows
Income from Sales– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Accounts Receivable– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cash Inflows– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cash Outflows
Investing Activities
New Capital Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Inventory Purchases– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cost of Sales– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Operating Activities
Salaries and Wages– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Fixed Business Expenses– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Taxes– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Financing Activities– 0
Loan Payments– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Repayments– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Dividends Paid– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Total Cash Outflows– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Cash Flow– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Operating Cash Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Drawdowns– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Ending Cash Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Line of Credit Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0

17. Balance Sheet (3)

0
Balance Sheet – Year Three
End of Year TwoEnd of Year Three
Assets
Current Assets
Cash– 0– 0
Accounts Receivable– 0– 0
Inventory– 0– 0
Prepaid Expenses– 0– 0
Other Current– 0– 0
Total Current Assets– 0– 0
Fixed Assets
Real Estate– 0– 0
Buildings– 0– 0
Leasehold Improvements– 0– 0
Equipment– 0– 0
Furniture and Fixtures– 0– 0
Vehicles– 0– 0
Other Fixed Assets– 0– 0
Total Fixed Assets– 0– 0
Less: Accumulated Depreciation– 0– 0
Total Assets– 0– 0
Liabilities and Owner’s Equity
Liabilities
Accounts Payable– 0– 0
Notes Payable– 0– 0
Mortgage Payable– 0– 0
Line of Credit Balance– 0– 0
Total Liabilities– 0– 0
Owner’s Equity
Common Stock– 0– 0
Retained Earnings– 0– 0
Dividends Dispersed– 0– 0
Total Owner’s Equity– 0– 0
Total Liabilities and Owner’s Equity– 0– 0– 0
Statement BalancesStatement Balances

18. Financial Ratios

0
Financial Ratios
RatioYear OneYear TwoYear ThreeRMA Industry Norms
Liquidity
Current Ratio– 0– 0– 0
Quick Ratio– 0– 0– 0
Safety
Debt to Equity Ratio– 0– 0– 0
Debt to Coverage Ratio– 0– 0– 0
Profitability
Sales Growth– 0– 0– 0
COGS to Sales– 0– 0– 0
Gross Profit Margin– 0– 0– 0
SG&A to Sales– 0– 0– 0
Net Profit Margin– 0– 0– 0
Return on Equity– 0– 0– 0
Return on Assets– 0– 0– 0
Owner’s Compensation to Sales– 0– 0– 0
Efficiency
Days in Receivables– 0– 0– 0
Accounts Receivable Turnover– 0– 0– 0
Days in Inventory– 0– 0– 0
Inventory Turnover– 0– 0– 0
Sales 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 Analysis

0
Breakeven Analysis
Breakeven AnalysisDollarsPercent
Annual Sales Revenue$ – 0100.00%
Cost of Sales– 00.00%
Gross Margin– 00.00%
Salaries and Wages– 0
Fixed Operating Expenses– 0
Total Fixed Business Expenses– 0
Breakeven Sales Calculation– 0
0.00%
Breakeven Sales in Dollars$ – 0

20. Amoritization Schedule

0
Amortization Schedule
Loan TypeAssumptionsMonth 1Month 2Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Totals
Commercial Loan
Principal Amount$ – 0
Interest Rate9.00%
Loan Term in Months72.00
Monthly Payment Amount$0.00
Year One
Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Principal– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Loan Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Year Two
Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Principal– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Loan Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Year Three
Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Principal– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Loan Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Commercial Mortgage
Principal Amount$ – 0
Interest Rate9.00%
Loan Term in Months240.00
Monthly Payment Amount$0.00
Year One
Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Principal– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Loan Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Year Two
Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Principal– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Loan Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Year Three
Interest– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Principal– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0
Loan Balance– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0– 0

21. Financial Diagnostics

0
Financial Diagnostics
This sheet performs a few tests on your numbers to see if they seem within certain reasonable ranges.
Remember, no computer can tell whether your projections are truly well-constructed, only a human can do that.
But these tests can at least look for values that are critically out of range.
Financial DiagnosticsValueFindings
General Financing Assumptions
Owner’s Cash Injection into the Business0.00%Owner’s injection might be too low in relation to the amount of money needed
Cash Request as percent of Total Required Funds0.00%Cash request seems reasonable with respect to total request
Loan Assumptions
Commercial Loan Interest rate9.00%Interest rate seems reasonable
Commercial Loan Term in Months72Loan term seems within range for this type of loan
Commercial Mortgage Interest rate9.00%Interest rate seems reasonable
Commercial Mortgage Term in Months240.00Loan term seems within range for this type of loan
Loan Payments as a Percent of Projected Sales0.00%Calculated loan payments as a percent of sales seem resonable
Income Statement
Gross Margin as a Percent of Sales0.00%Gross margin percentage seems very low
Owner’s Compensation Lower Limit Check$ – 0An owner’s compensation amount has not been established
Owner’s Compensation Upper Limit Check0.00%Owner’s compensation seems reasonable
Advertising Expense Levels as a Percent of Sales0.00%Advertising as a percent of sales may be too low
Profitability Levels$ – 0The business is showing a profit
Profitability as a Percent of Sales0.00%The projection does not seem highly unreasonable
Cash Flow Statement
Desired Operating cash Flow Levels$ – 0The financial projection provides the desired level of cash flow
Line of Credit Drawdowns$ – 0The business doesn’t seem to require a line of credit
Accounts Receivable Ratio to Sales0.00%Accounts receivable amount as a percent of sales seems reasonable
Balance Sheet
Does the Base Period Balance Sheet Balance?– 0The balance sheet does balance
Does the Final Balance Sheet Balance– 0The balance sheet does balance
Debt to Equity Ratio0.00%The debt to equity ratio seems reasonable
Breakeven Analysis
Breakeven Levels$ – 0The sales projection is less than the break-even amount

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