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How to Write a Business Plan for SMEs
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Table of Contents
What a Bank Looks For?
Keeping a Clean Record
What is a Business Plan?
What Should Your Business Plan Include?
Checklist for Application of New Banking Facilities
5Cs of Credit
An Introduction to Your PlanWho You Are and What Your Business DoesIndustry, Competitors and Business StrategyFinancials – Past, Present and FutureOther Supporting Documents
What A Bank Looks For?
The 5Cs of Credit
1. Character
2. Capital
3. Capacity
4. Conditions
5. Collateral
The 5Cs of Credit
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Keeping A Clean Record
Not Overdue In Other Loan /
Financing Repayments
No Bankruptcy Issues
No Bounced Cheques
Up-To-Date Audited Accounts
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What is a Business Plan?
A Written Plan Outlining :
1.
2.
Your Vision / Objectives
How The Business Is To Be Managed
To Achieve These Objectives
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An Introduction to Your Plan
Who You Are and What Your Business Does
Industry, Competitors and Business Strategy
Financials – Past, Present and Future
Other Supporting Documents
1.
2.
3.
4.
5.
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What Should Your Business Plan Include?
What Should Your Business Plan Include?
1. An Introduction to Your Plan
Financing Request
Reasons for Future Success
Contact Details
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TypeAmountPurposeRepayment
What Should Your Business Plan Include?
Background & History
Business & Product A description of your product(s), pictures / samples
Directors & Management Profile Organisation Chart, Track Record
Business Cycle Your buyers and sellers The terms of your business dealings
Production Process The processes involved in producing your Product(s), Production Capacity, Volume, etc.
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2. Who You Are & What Your Business Does
What Should Your Business Plan Include?
3. Industry, Competitors & Business Strategy
Industry OverviewDescribe the industry you operate in and how your business fits in this industry
Who Your Competitors Are
The Factors That Will Ensure Your Success
What Is Your Business StrategyBriefly describe your unique value proposition. For example, lower cost hence better value for money, your focus on niche markets allows your expertise to flourish, etc.
Sales & Marketing Strategies
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Strengths Opportunities
Weaknesses Threats
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What Should Your Business Plan Include?
4. Financials – Past, Present & Future
3 Years’ Historical Audited Accounts
Latest Management Accounts
Future Projections – At Least 1 Year
Bank Statements & Loan Statements
Repayment RecordCashflow Management
Products & Solutions
5. Other Supporting Documents
Memorandum & Articles (M&A) or Business Registration (Form A & D), Business License & Partnership Agreement
Registrar of Companies (ROC) Forms
Creditors’ & Debtors’ Details & Ageing
Completed Contracts, Contracts In Hand
The Collateral Offered
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Form 9Form 24Form 49Annual Return
Checklist for Application of New Banking Facilities
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