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Page 1
Advanced Linguistic Pontificators-Start up- Financial plan
Highlights
$200,000
$180,000
$160,000
$140,000
$120,000 Sales
$60,000
$40,000
$20,000
$0
FY 2019 FY 2020 FY 2021 FY 2022 FY 2023
Table: Start-up
Start-up
Requirements
Start-up Expenses
Legal $500
Stationery etc. $300
Brochures $300
Consultants $500
Web development costs $1,000
Rent $0
Research and development $0
Expensed equipment $0
Other $0
Total Start-up Expenses $2,600
Start-up Assets
Cash Required $7,900
Other Current Assets $0
Long-term Assets $11,500
Total Assets $19,400
Page 1
Advanced Linguistic Pontificators-Start up- Financial plan
Start-up
$21,000
$18,000
$15,000
$12,000
$9,000
$6,000
$3,000
$0
Expenses Assets Investment Loans
Page 2
Advanced Linguistic Pontificators-Start up- Financial plan
Large corporations
Other
Page 3
Advanced Linguistic Pontificators-Start up- Financial plan
Sales Monthly
$16,000
$14,000
$12,000
$10,000
Medium-size companies
$8,000
Large corporations
$6,000
$4,000
$2,000
$0
Sales by Year
$200,000
$180,000
$160,000
$140,000
$60,000
$40,000
$20,000
$0
FY 2019 FY 2020 FY 2021 FY 2022 FY 2023
Page 4
Advanced Linguistic Pontificators-Start up- Financial plan
Table: Milestones
Milestones
Milestones
Set up office
Table: Personnel
Personnel Plan
FY 2019 FY 2020 FY 2021 FY 2022 FY 2023
Daug Matism $24,000 $36,000 $50,000 $0 $0
Other $0 $0 $0 $0 $0
Total People 0 0 0 0 0
Page 5
Advanced Linguistic Pontificators-Start up- Financial plan
Assets
Non-cash Assets from Start-up $11,500
Cash Requirements from Start-up $7,900
Additional Cash Raised $0
Cash Balance on Starting Date $7,900
Total Assets $19,400
Liabilities
Current Borrowing $0
Long-term Liabilities $0
Accounts Payable (Outstanding Bills) $0
Other Current Liabilities (interest-free) $0
Total Liabilities $0
Capital
Planned Investment
Daug $22,000
Investor 2 $0
Other $0
Additional Investment Requirement $0
Total Planned Investment $22,000
Assumptions:
Average Percent Variable Cost 0%
Estimated Monthly Fixed Cost $3,211
Page 6
Advanced Linguistic Pontificators-Start up- Financial plan
Break-even Analysis
$2,000
$1,000
$0
($1,000)
($2,000)
($3,000)
Expenses
Payroll $24,000 $36,000 $50,000 $0 $0
Sales and Marketing and Other Expenses $6,800 $7,800 $7,800 $0 $0
Depreciation $3,828 $3,828 $3,828 $0 $0
Leased Equipment $0 $0 $0 $0 $0
Utilities $2,400 $2,400 $2,400 $0 $0
Insurance $1,500 $1,500 $1,500 $0 $0
Rent $0 $0 $0 $0 $0
Payroll Taxes $0 $0 $0 $0 $0
Other $0 $0 $0 $0 $0
Page 7
Advanced Linguistic Pontificators-Start up- Financial plan
Profit Monthly
$10,000
$8,000
$6,000
$4,000
$2,000
$0
($2,000)
Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb
Profit Yearly
$100,000
$90,000
$80,000
$70,000
$60,000
$50,000
$40,000
$30,000
$20,000
$10,000
$0
FY 2019 FY 2020 FY 2021 FY 2022 FY 2023
Page 8
Advanced Linguistic Pontificators-Start up- Financial plan
$14,000
$12,000
$10,000
$8,000
$6,000
$4,000
$2,000
$0
Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb
$200,000
$180,000
$160,000
$140,000
$120,000
$100,000
$80,000
$60,000
$40,000
$20,000
$0
FY 2019 FY 2020 FY 2021 FY 2022 FY 2023
Page 9
Advanced Linguistic Pontificators-Start up- Financial plan
Cash
$70,000
$60,000
$50,000
$20,000
$10,000
$0
Mar May Jul Sep Nov Jan
Apr Jun Aug Oct Dec Feb
Page 10
Advanced Linguistic Pontificators-Start up- Financial plan
Page 11
Advanced Linguistic Pontificators-Start up- Financial plan
Current Assets
Cash $67,872 $167,869 $264,473 $260,911 $260,911
Other Current Assets $0 $0 $0 $0 $0
Total Current Assets $67,872 $167,869 $264,473 $260,911 $260,911
Long-term Assets
Long-term Assets $11,500 $11,500 $11,500 $11,500 $11,500
Accumulated Depreciation $3,828 $7,656 $11,484 $11,484 $11,484
Total Long-term Assets $7,672 $3,844 $16 $16 $16
Total Assets $75,544 $171,713 $264,489 $260,927 $260,927
Current Liabilities
Accounts Payable $4,556 $3,622 $3,562 $0 $0
Current Borrowing $0 $0 $0 $0 $0
Other Current Liabilities $0 $0 $0 $0 $0
Subtotal Current Liabilities $4,556 $3,622 $3,562 $0 $0
Long-term Liabilities $0 $0 $0 $0 $0
Total Liabilities $4,556 $3,622 $3,562 $0 $0
Page 12
Advanced Linguistic Pontificators-Start up- Financial plan
Table: Ratios
Ratio Analysis
FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 Industry Profile
Sales Growth n.a. 68.96% 4.97% n.a. n.a. 9.50%
Percent of Sales
Sales 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Gross Margin 100.00% 100.00% 100.00% 0.00% 0.00% 0.00%
Selling, General & Administrative Expenses 68.78% 56.30% 62.71% 0.00% 0.00% 73.80%
Advertising Expenses 1.68% 0.99% 0.95% 0.00% 0.00% 5.00%
Profit Before Interest and Taxes 64.03% 71.53% 65.51% 0.00% 0.00% 3.20%
Main Ratios
Current 14.90 46.35 74.25 0.00 0.00 1.33
Quick 14.90 46.35 74.25 0.00 0.00 1.11
Total Debt to Total Assets 6.03% 2.11% 1.35% 0.00% 0.00% 60.60%
Pre-tax Return on Net Worth 96.63% 77.02% 47.70% 0.00% 0.00% 5.50%
Pre-tax Return on Assets 90.80% 75.40% 47.06% 0.00% 0.00% 14.00%
Activity Ratios
Accounts Payable Turnover 6.08 12.17 12.17 0.00 0.00 n.a
Payment Days 34 34 30 0 0 n.a
Total Asset Turnover 1.42 1.05 0.72 0.00 0.00 n.a
Debt Ratios
Debt to Net Worth 0.06 0.02 0.01 0.00 0.00 n.a
Current Liab. to Liab. 1.00 1.00 1.00 0.00 0.00 n.a
Liquidity Ratios
Net Working Capital $63,315 $164,247 $260,911 $260,911 $260,911 n.a
Interest Coverage 0.00 0.00 0.00 0.00 0.00 n.a
Additional Ratios
Assets to Sales 0.71 0.95 1.39 n.a. n.a. n.a
Current Debt/Total Assets 6% 2% 1% 0% 0% n.a
Acid Test 14.90 46.35 74.25 0.00 0.00 n.a
Sales/Net Worth 1.51 1.08 0.73 0.00 0.00 n.a
Dividend Payout 0.00 0.00 0.00 0.00 0.00 n.a
Page 13
Appendix
Table: Sales Forecast
Sales Forecast
Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb
Sales
Medium-size companies 0% $0 $0 $2,000 $3,500 $4,000 $4,100 $4,200 $5,200 $6,000 $6,500 $7,025 $7,400
Large corporations 0% $0 $0 $2,000 $4,000 $5,000 $4,500 $4,700 $6,000 $7,000 $7,500 $8,000 $8,500
Total Sales $0 $0 $4,000 $7,500 $9,000 $8,600 $8,900 $11,200 $13,000 $14,000 $15,025 $15,900
Direct Cost of Sales Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb
Medium-size companies $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Large corporations $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Direct Cost of Sales $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Page 1
Appendix
Table: Personnel
Personnel Plan
Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb
Daug Matism 0% $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000
Other 0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total People 0 0 0 0 0 0 0 0 0 0 0 0
Total Payroll $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000
Page 2
Appendix
Table: Profit and Loss
Gross Margin $0 $0 $4,000 $7,500 $9,000 $8,600 $8,900 $11,200 $13,000 $14,000 $15,025 $15,900
Gross Margin % 0.00% 0.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Expenses
Payroll $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000
Sales and Marketing and Other $150 $150 $650 $650 $650 $650 $650 $650 $650 $650 $650 $650
Expenses
Depreciation $319 $319 $319 $319 $319 $319 $319 $319 $319 $319 $319 $319
Leased Equipment $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Utilities $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200
Insurance $125 $125 $125 $125 $125 $125 $125 $125 $125 $125 $125 $125
Rent $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Payroll Taxes 15% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Operating Expenses $2,794 $2,794 $3,294 $3,294 $3,294 $3,294 $3,294 $3,294 $3,294 $3,294 $3,294 $3,294
Profit Before Interest and Taxes ($2,794) ($2,794) $706 $4,206 $5,706 $5,306 $5,606 $7,906 $9,706 $10,706 $11,731 $12,606
EBITDA ($2,475) ($2,475) $1,025 $4,525 $6,025 $5,625 $5,925 $8,225 $10,025 $11,025 $12,050 $12,925
Interest Expense $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Taxes Incurred ($838) ($699) $177 $1,052 $1,427 $1,327 $1,402 $1,977 $2,427 $2,677 $2,933 $3,152
Net Profit ($1,956) ($2,096) $530 $3,155 $4,280 $3,980 $4,205 $5,930 $7,280 $8,030 $8,798 $9,455
Net Profit/Sales 0.00% 0.00% 13.24% 42.06% 47.55% 46.27% 47.24% 52.94% 56.00% 57.35% 58.56% 59.46%
Page 3
Appendix
Table: Cash Flow
Expenditures Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb
Net Cash Flow ($1,637) ($1,425) $2,178 $4,319 $4,961 $4,202 $4,596 $6,804 $8,034 $8,590 $9,365 $9,985
Cash Balance $6,263 $4,838 $7,015 $11,335 $16,296 $20,498 $25,094 $31,898 $39,931 $48,522 $57,887 $67,872
Page 4
Appendix
Table: Balance Sheet
Current Assets
Cash $7,900 $6,263 $4,838 $7,015 $11,335 $16,296 $20,498 $25,094 $31,898 $39,931 $48,522 $57,887 $67,872
Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Current Assets $7,900 $6,263 $4,838 $7,015 $11,335 $16,296 $20,498 $25,094 $31,898 $39,931 $48,522 $57,887 $67,872
Long-term Assets
Long-term Assets $11,500 $11,500 $11,500 $11,500 $11,500 $11,500 $11,500 $11,500 $11,500 $11,500 $11,500 $11,500 $11,500
Accumulated Depreciation $0 $319 $638 $957 $1,276 $1,595 $1,914 $2,233 $2,552 $2,871 $3,190 $3,509 $3,828
Total Long-term Assets $11,500 $11,181 $10,862 $10,543 $10,224 $9,905 $9,586 $9,267 $8,948 $8,629 $8,310 $7,991 $7,672
Total Assets $19,400 $17,444 $15,700 $17,558 $21,559 $26,201 $30,084 $34,361 $40,846 $48,560 $56,832 $65,878 $75,544
Liabilities and Capital Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb
Current Liabilities
Accounts Payable $0 $0 $351 $1,680 $2,526 $2,889 $2,792 $2,864 $3,420 $3,855 $4,097 $4,345 $4,556
Current Borrowing $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other Current Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Current Liabilities $0 $0 $351 $1,680 $2,526 $2,889 $2,792 $2,864 $3,420 $3,855 $4,097 $4,345 $4,556
Long-term Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Liabilities $0 $0 $351 $1,680 $2,526 $2,889 $2,792 $2,864 $3,420 $3,855 $4,097 $4,345 $4,556
Paid-in Capital $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000
Retained Earnings ($2,600) ($2,600) ($2,600) ($2,600) ($2,600) ($2,600) ($2,600) ($2,600) ($2,600) ($2,600) ($2,600) ($2,600) ($2,600)
Earnings $0 ($1,956) ($4,051) ($3,522) ($367) $3,912 $7,892 $12,096 $18,026 $25,305 $33,335 $42,133 $51,587
Total Capital $19,400 $17,444 $15,349 $15,878 $19,033 $23,312 $27,292 $31,496 $37,426 $44,705 $52,735 $61,533 $70,987
Total Liabilities and Capital $19,400 $17,444 $15,700 $17,558 $21,559 $26,201 $30,084 $34,361 $40,846 $48,560 $56,832 $65,878 $75,544
Net Worth $19,400 $17,444 $15,349 $15,878 $19,033 $23,312 $27,292 $31,496 $37,426 $44,705 $52,735 $61,533 $70,987
Page 5