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                          Example Business Plan Template

                          BUSINESS PLAN TEMPLATE

                           

                          This template is compatible
                          with the web-based
                          business planning software
                          (iPlanner.NET)

                          05/06/2020 08:31:28(UTC)


                          Executive Summary

                          The purpose of the executive summary is to summarize the highlights of the bizplan and to provide a brief snapshot of the company.

                          Give the reader a fix on the size and type of the company, its management, the products and services it offers, also some basic information about the industry, the size of the target market, and the financial goals of the business.

                          If your plan is designed to help you get a bank loan, including the information about the amount, type and purpose of the funds you are seeking.

                          This is an example business plan template created with iPlanner.NET business plan software

                           

                          Main financial measures
                           202020212022
                          Cash152,99382,426211,043
                          Sales revenue1,550,0004,000,0005,500,000
                          Net profit for financial year-215,880167,108391,863
                          Operating margin-13.9%4.18%7.12%
                          Owners' equity34,120201,228593,091
                          Return on equity (per year)-633%83.0%66.1%

                           

                          Current year profit (USD)

                          Business Overview

                          The business overview section generally consists the information about your company's legal name, address and contact information.

                          Briefly describe the ownership and organizational structure, give a mission statement and a list of your objectives and success factors.

                          Depending on the business model and a type of business plan, you may need to include a description of the location and facilities.
                          Describe your company's history (if any) or startup information.
                           

                          Products and Services

                          The starting point here is a clear statement of what the product is or what service your company will provide.

                          Explain what makes your products or services unique in the marketplace and how they will differ from those of your competitors.

                          Do you have any plans to update existing products or to offer new products or services in the next years? If yes, provide a brief description of what you plan to do.

                          Sales Forecast

                          You may include comments to your sales forecast expressed below.

                           

                          Sales revenue (USD)
                          Products and services202020212022
                          Products on sale1,550,0004,000,0005,500,000
                           1,550,0004,000,0005,500,000

                           

                          Gross margin (%)
                          Products and services202020212022
                          Products on sale353535

                           

                          Sales revenue (USD)

                          Marketing Strategy

                          The marketing strategy section typically consists of an:

                          • Industry analysis, which assesses the general industry environment in which you compete.
                          • Target market analysis, which identifies and quantifies your customers.
                          • Competitive analysis, which identifies your competitors, their strengths and weaknesses.
                          • Marketing plan, which explains how you will effectively market your products and services to the target customers.

                          Management and Staffing

                          Here you should describe the management and staffing structure of your company.

                          Discuss how many employees you currently have (if any) and how many you expect to have over the next years.

                          Point out the key people and their roles on your management team.

                          Discuss how you will fill the key non-management jobs within your business.

                          Discuss any factors that could affect your ability to find, hire and keep employees.

                           

                          Headcount
                          Personnel202020212022
                          Management333
                          Blue collar479
                           71012

                           

                          Average monthly salary (USD)
                          Personnel202020212022
                          Management5,5005,7006,000
                          Blue collar4,3004,4004,500

                           

                          Labour cost (USD)
                           202020212022
                          Wages and salaries404,400574,800702,000
                          Social security costs40,44057,48070,200
                          Labour cost444,840632,280772,200
                          REVENUES1,550,0004,000,0005,500,000
                          Labour cost to revenues28.7%15.8%14.0%

                           

                          Labour cost (USD)
                           202020212022
                          Wages and salaries404,400574,800702,000
                          Social security costs40,44057,48070,200
                          Labour cost444,840632,280772,200
                          REVENUES1,550,0004,000,0005,500,000
                          Labour cost to revenues28.7%15.8%14.0%

                           

                          Labour cost (USD)

                          Implementation Plan

                          The implementation plan section you should provide an overview of the types of activities your enterprise must routinely perform. Depending on the business model, you may briefly describe the manufacturing process and/or the process of rendering services, filling orders, collecting money from customers, providing after-sale support, dealing with unexpected occurrences or changing conditions etc.

                          Overhead Expenses

                          You may give some comments on the overhead expenses budget included with this chapter.

                           

                          Other operating expenses (USD)
                          Other operating expenses202020212022
                          Start-up expenses50,00000
                          Overhead expenses300,000500,000600,000
                           350,000500,000600,000

                          Investments

                          Describe your investment plan (purchase of fixed assets) included with this chapter.

                           

                          Assets purchase value (USD)
                          Fixed assets202020212022
                          Start-up investments50,00000
                          Fixed assets0100,0000
                           50,000100,0000

                          Financing

                          Describe how your company shall be financed (your own contribution, bank loans, equity investments, capital leases, grant financing).

                           

                          Capital structure (USD)
                           202020212022
                          Current assets512,453482,021738,130
                          Fixed assets42,500120,00097,500
                          Current liabilities320,833381,869240,198
                          Long-term liabilities200,00018,9252,341
                          Owners' equity34,120201,228593,091

                           

                          Inflows of nominal value (USD)
                          OwnersQ1-2020Q2-2020Q3-2020Q4-2020
                          Owner A150,000000
                          Owner B100,000000
                           250,000000

                           

                          Loan amounts received (USD)
                          Annuity loans202020212022
                          Bank loan 2050,0000
                           050,0000

                           

                          Principal repayments (USD)
                          Annuity loans202020212022
                          Bank loan 2014,49216,584
                           014,49216,584

                           

                          Interest expense (USD)
                          Annuity loans202020212022
                          Bank loan 201,9921,399
                           01,9921,399

                          Financial Projections

                          Income Statement
                          The intent of an income statement is to show how much net profit the business will be generating. First, it calculates gross profits. Gross profit is sales revenue minus the cost of sales. Then, the statement begins to account for the other expenses like personnel expenses, rent, and utilities, advertising, etc. Once that is calculated and subtracted from gross profit, it leaves the net profit.

                          Balance Sheet
                          A balance sheet is a snapshot in time about a company's health. The balance sheet totals the company's assets and liabilities. It also tracks the owner's equity by placing it with the liabilities, this provides a way for the two categories to balance. When totaling the assets and liabilities with owner's equity should equal each other. What one finds with this financial is where the business capital and liabilities are placed.

                          Cash Flow Statement

                           

                          The cash flow statement shows how cash is flowing in and out of the business. It can be argued the cash flow statement is similar to the income statement with a lot of the same categories. However, a cash flow statement accounts for loan payments, owners draw (dividends outflow), and capital purchases (fixed assets), but not depreciation or write-offs. Any cash transaction is accounted for, so a company's liquidity is being tracked. Its goal is to point out when a business will need cash or be cash rich.
                           

                           

                           

                          Performance measures (USD)
                           202020212022
                          Sales revenue1,550,0004,000,0005,500,000
                          Cost of sales1,007,5002,600,0003,575,000
                          Gross profit542,5001,400,0001,925,000
                          Other operating expenses350,000500,000600,000
                          Labour cost444,840632,280772,200
                          Depreciation of fixed assets7,50022,50022,500
                          Operating profit-259,840245,220530,300
                          EBITDA-252,340267,720552,800
                          Financial income and expenses-28,000-22,409-7,816
                          Profit before income tax-287,840222,811522,484
                          Income tax expense-71,96055,703130,621
                          Profit-215,880167,108391,863
                              
                          Operating margin-13.9%4.18%7.12%
                          Gross margin35%35%35%
                          Sales per employee221,429400,000458,333
                          Value added192,500900,0001,325,000
                          Value added per employee27,50090,000110,417
                              
                          Return on equity (per year)-633%83.0%66.1%
                          Quick ratio1.090.691.83
                          Current ratio1.601.263.07
                          ISCR-9.0111.970.7
                          DSCR01.132.46
                          Debt to equity ratio11.71.170.03
                          Debt to capital ratio92.1%53.9%3.09%
                              
                          Receivables collection period, days29.015.015.0
                          Payable period, days38.720.020.0
                          Inventory period, days58.130.030.0

                           

                          Income statement (USD)
                           202020212022
                          Sales revenue1,550,0004,000,0005,500,000
                          Cost of sales1,007,5002,600,0003,575,000
                          Other operating expenses350,000500,000600,000
                          Labour cost   
                          Wages and salaries404,400574,800702,000
                          Social security costs40,44057,48070,200
                          Total labour cost444,840632,280772,200
                          Depreciation of fixed assets7,50022,50022,500
                          Operating profit-259,840245,220530,300
                          Financial expenses   
                          Interest expense28,00022,4097,816
                          Total financial expenses28,00022,4097,816
                          Profit before income tax-287,840222,811522,484
                          Income tax expense-71,96055,703130,621
                          Net profit for financial year-215,880167,108391,863

                           

                          Balance sheet (USD)
                           202020212022
                          ASSETS   
                          Current assets   
                          Cash152,99382,426211,043
                          Receivables and prepayments   
                          Trade receivables125,000166,669229,169
                          Prepaid and deferred taxes71,96016,2570.00
                          Inventories   
                          Inventories162,500216,669297,919
                          Total current assets512,453482,021738,130
                          Fixed assets   
                          Tangible assets   
                          Machinery and equipment50,000150,000150,000
                          Less: Accumulated depreciation-7,500-30,000-52,500
                          Total42,500120,00097,500
                          Total fixed assets42,500120,00097,500
                          Total assets554,953602,021835,630
                          LIABILITIES and OWNERS' EQUITY   
                          Liabilities   
                          Current liabilities   
                          Loan liabilities   
                          Short-term loans and notes000
                          Current portion of long-term loan liabilities200,000216,58416,584
                          Total200,000216,58416,584
                          Debts and prepayments   
                          Trade creditors, goods108,333144,448198,614
                          Trade creditors, other12,50020,83725,000
                          Employee-related liabilities000
                          Total120,833165,285223,614
                          Total current liabilities320,833381,869240,198
                          Long-term liabilities   
                          Long-term loan liabilities   
                          Loans, notes and financial lease payables200,00018,9252,341
                          Total long-term liabilities200,00018,9252,341
                          Total liabilities520,833400,793242,539
                          Owners' equity   
                          Share capital in nominal value250,000250,000250,000
                          Share premium000
                          Retained profit/loss0-215,880-48,772
                          Current year profit-215,880167,108391,863
                          Total owners' equity34,120201,228593,091
                          Total liabilities and owners' equity554,953602,021835,630

                           

                          Cash flow statement (USD)
                           Jan-2020Feb-2020Mar-2020Apr-2020May-2020Jun-2020
                          CASH FLOWS FROM OPERATING ACTIVITIES      
                          Inflows      
                          Payments from customers16,66733,33333,33450,00066,66666,667
                          Total16,66733,33333,33450,00066,66666,667
                          Outflows      
                          Payments to vendors (goods)14,44436,11121,66736,11157,77743,334
                          Payment of salaries and wages33,70033,70033,70033,70033,70033,700
                          Social security costs3,3703,3703,3703,3703,3703,370
                          Payments to vendors (operating expenses)20,83341,66641,66733,33425,00025,000
                          Total72,347114,847100,404106,515119,847105,404
                          Net cash flow from operating activities-55,681-81,514-67,070-56,515-53,181-38,737
                                 
                          CASH FLOWS FROM INVESTING ACTIVITIES      
                          Inflows      
                          Outflows      
                          Payments to vendors (assets)50,00000000
                          Total50,00000000
                          Net cash flow from investing activities-50,00000000
                                 
                          CASH FLOWS FROM FINANCING ACTIVITIES      
                          Inflows      
                          Payments from shareholders250,00000000
                          Loan amounts received400,00000000
                          Total650,00000000
                          Outflows      
                          Principal repayments000000
                          Interest expense2,3332,3332,3332,3332,3332,333
                          Dividends (net to shareholders)000000
                          Payment of corporate income tax000000
                          Corporate income tax on dividends000000
                          Total2,3332,3332,3332,3332,3332,333
                          Net cash flow from financing activities647,667-2,333-2,333-2,333-2,333-2,333
                                 
                          Net change in cash541,986-83,847-69,404-58,849-55,514-41,070
                          Cash at the beginning0541,986458,139388,735329,886274,372
                          Cash at the end541,986458,139388,735329,886274,372233,302

                           

                          Cash flow statement (USD)
                           Q3-2020Q4-2020Q1-2021Q2-2021
                          CASH FLOWS FROM OPERATING ACTIVITIES    
                          Inflows    
                          Payments from customers450,000708,334958,333999,999
                          Total450,000708,334958,333999,999
                          Outflows    
                          Payments to vendors (goods)346,667505,556668,055649,999
                          Payment of salaries and wages101,100101,100143,700143,700
                          Social security costs10,11010,11014,37014,370
                          Payments to vendors (operating expenses)75,00075,000116,665124,998
                          Total532,877691,766942,790933,067
                          Net cash flow from operating activities-82,87716,56815,54366,932
                               
                          CASH FLOWS FROM INVESTING ACTIVITIES    
                          Inflows    
                          Outflows    
                          Payments to vendors (assets)00100,0000
                          Total00100,0000
                          Net cash flow from investing activities00-100,0000
                               
                          CASH FLOWS FROM FINANCING ACTIVITIES    
                          Inflows    
                          Payments from shareholders0000
                          Loan amounts received0050,0000
                          Total0050,0000
                          Outflows    
                          Principal repayments0052,58453,917
                          Interest expense7,0007,0006,8286,118
                          Dividends (net to shareholders)0000
                          Payment of corporate income tax0000
                          Corporate income tax on dividends0000
                          Total7,0007,00059,41260,035
                          Net cash flow from financing activities-7,000-7,000-9,412-60,035
                               
                          Net change in cash-89,8779,568-93,8696,896
                          Cash at the beginning233,302143,425152,99359,124
                          Cash at the end143,425152,99359,12466,021

                           

                          Cash flow statement (USD)
                           202020212022
                          CASH FLOWS FROM OPERATING ACTIVITIES   
                          Inflows   
                          Payments from customers1,425,0003,958,3325,437,500
                          Total1,425,0003,958,3325,437,500
                          Outflows   
                          Payments to vendors (goods)1,061,6672,618,0553,602,083
                          Payment of salaries and wages404,400574,800702,000
                          Social security costs40,44057,48070,200
                          Payments to vendors (operating expenses)337,500491,663595,837
                          Total1,844,0073,741,9984,970,120
                          Net cash flow from operating activities-419,007216,334467,380
                              
                          CASH FLOWS FROM INVESTING ACTIVITIES   
                          Inflows   
                          Outflows   
                          Payments to vendors (assets)50,000100,0000
                          Total50,000100,0000
                          Net cash flow from investing activities-50,000-100,0000
                              
                          CASH FLOWS FROM FINANCING ACTIVITIES   
                          Inflows   
                          Payments from shareholders250,00000
                          Loan amounts received400,00050,0000
                          Total650,00050,0000
                          Outflows   
                          Principal repayments0214,492216,584
                          Interest expense28,00022,4097,816
                          Dividends (net to shareholders)000
                          Payment of corporate income tax00114,364
                          Corporate income tax on dividends000
                          Total28,000236,901338,763
                          Net cash flow from financing activities622,000-186,901-338,763
                              
                          Net change in cash152,993-70,567128,616
                          Cash at the beginning0152,99382,426
                          Cash at the end152,99382,426211,043

                          Risk Analysis

                          The risk analysis section should anticipate the events or conditions that could affect the business success during the term of the business plan. Discuss how likely it is that these events will occur and what steps you will take to limit the impact should these events occur.

                           

                          Break-even analysis (USD)
                           202020212022
                          Sales revenue1,550,0004,000,0005,500,000
                          Cost of sales1,007,5002,600,0003,575,000
                          Variable expenses, total1,007,5002,600,0003,575,000
                          Labour cost444,840632,280772,200
                          Other operating expenses350,000500,000600,000
                          Depreciation of fixed assets7,50022,50022,500
                          Financial expenses28,00022,4097,816
                          Fixed expenses, total830,3401,177,1891,402,516
                          Gross margin35%35%35%
                          Break-even sales revenue2,372,4003,363,3984,007,188
                          Sales revenue above break-even0636,6021,492,812

                           

                          Funding needs analysis (USD)
                           202020212022
                          CASH FLOWS FROM OPERATING ACTIVITIES   
                          Inflows   
                          Payments from customers1,425,0003,958,3325,437,500
                          Total1,425,0003,958,3325,437,500
                          Outflows   
                          Payments to vendors (goods)1,061,6672,618,0553,602,083
                          Payment of salaries and wages404,400574,800702,000
                          Social security costs40,44057,48070,200
                          Payments to vendors (operating expenses)337,500491,663595,837
                          Total1,844,0073,741,9984,970,120
                          Net cash flow from operating activities-419,007216,334467,380
                              
                          CASH FLOWS FROM INVESTING ACTIVITIES   
                          Inflows   
                          Outflows   
                          Payments to vendors (assets)50,000100,0000
                          Total50,000100,0000
                          Net cash flow from investing activities-50,000-100,0000
                              
                          Net change in cash-469,007116,334467,380
                          Cash at the beginning0-469,007-352,673
                          Cash at the end-469,007-352,673114,707
                          Amount of funding needed (max)469,007  


                          This document was created with iPlanner.NET online business plan software
                          supported by Business Plan Samples

                          Document version: 05/06/2020 08:31:28 (UTC)

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