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SCORE Financial Projection Model
Please read this entire page before you do anything else
This spreadsheet walks you through the process of developing an integrated set of financial projections.
-
A number found in the color green is optional information that you can complete. -
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:
Enter Your Business Name Here
The first six worksheets in this workbook are steps you will need to complete. They are titled:1. Required Start-Up Funds2. Salaries and Wages3. Fixed Operating Expenses4. & 5. Projected Sales Forecast (2 sheets)6. Cash Receipts and Disbursements
Begin by clicking on the tabs below
To use this model, simply complete any information asked for found in the color yellow.Example: Fill in boxes that look like this
Example: Check these assumptions
Enter Your Business Name HereRequired Start-Up Funds for a New Business orOpening Balance Sheet for an Existing Business
Required Start-Up Funds Amount Totals Depreciation NotesFixed Assets
Real Estate-Land $ - Buildings - 20.00 yearsLeasehold Improvements - 7.00 yearsEquipment - 7.00 yearsFurniture and Fixtures - 5.00 yearsVehicles - 5.00 yearsOther Fixed Assets - 5.00 years
Total Fixed Assets -
Operating CapitalPre-Opening Salaries and Wages - Prepaid Insurance Premiums - Inventory - Legal and Accounting Fees - Rent Deposits - Utility Deposits - Supplies - Advertising and Promotions - Licenses - Other Initial Start-Up Costs - Working Capital (Cash On Hand) -
Total Operating Capital -
Total Required Funds $ -
Sources of Funding Amount Totals Loan Rate Term in Months Monthly PaymentsOwner's Equity 0.00% - Outside Investors 0.00% - Additional Loans or Debt
Commercial Loan 0.00% - 7.00% 84.00 $0.00 Commercial Mortgage 0.00% - 8.00% 240.00 $0.00
Credit Card Debt 0.00% - 7.00% 60.00 $0.00 Vehicle Loans 0.00% - 6.00% 48.00 $0.00 Other Bank Debt 0.00% - 5.00% 36.00 $0.00
Total Sources of Funding 0.00% $ - $0.00
For existing businesses = Cash+Ppd Exp+A/R-A/P-Accrd Exp See Note below#
Note#: For existing businesses, this should be the "bucket" of cash plus recievables that willbe turned into cash or payables paid out in cash in the near term (i.e. in the first month of the plan)
Enter Your Business Name HereSalaries and Wages
Salaries and Related Expenses # Assumptions Wage Base Monthly Year One Year Two Year Three
Percent Change 3.00% 3.00%
Salaries and WagesOwner's Compensation 0 $ - - - - Salaries 0 - - - - Wages
Full-Time Employees 0 - - - - Estimated Hours Per Week 40.00 Estimated Rate Per Hour $ 9.00
Part-Time Employees 0 - - - - Estimated Hours Per Week 20.00 Estimated Rate Per Hour $ 9.00
Independent Contractors - - - - Total Salaries and Wages 0 - - - -
Payroll Taxes and BenefitsSocial Security 6.20% $ 102,000 - - - - Medicare 1.45% - - - - Federal Unemployment Tax (FUTA) 0.80% $ 7,000 - - - - State Unemployment Tax (SUTA) 2.70% $ 7,000 - - - - Employee Pension Programs 0.00% - - - - Worker's Compensation 0.00% - - - - Employee Health Insurance 0.00% - - - - Other Employee Benefit Programs 4.00% - - - -
Total Payroll Taxes and Benefits - - - -
Total Salaries and Related Expenses - - - -
Enter Your Business Name HereFixed Operating Expenses
Fixed Operating Expenses Monthly Year One Year Two Year Three Notes
Percent Change 3.00% 3.00%
ExpensesAdvertising $ - - - - Car and Truck Expenses - - - - Bank & Merchant Fees - - - - Contract Labor - - - - Conferences & Seminars - - - - Customer Discounts and Refunds - - - - Dues and Subscriptions - - - - Miscellaneous - - - - Insurance (Liability and Property) - - - - Licenses/Fees/Permits - - - - Legal and Professional Fees - - - - Office Expenses & Supplies - - - - Postage and Delivery - - - - Rent (on business property) - - - - Rent of Vehicles and Equipment - - - - Sales & Marketing - - - - Taxes-Other - - - - Telephone and Communications - - - - Travel - - - - Utilities - - - -
Total Expenses - - - -
Other ExpensesDepreciation - - - - Interest
Commercial Loan - - - - Commercial Mortgage - - - - Line of Credit - - - - Credit Card Debt - - - - Vehicle Loans - - - - Other Bank Debt - - - -
Total Other Expenses - - - -
Total Fixed Operating Expenses - - - -
Enter Your Business Name HereProjected Sales Forecast
Products and Services Assumptions % Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals
Product/Service APrice Per Unit $ - 100.00%Variable Cost Per Unit $ - 0.00%Gross Margin Per Unit $ - 0.00%Projected Unit Sales
Seasonality Factor 0.00% 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 - - - - - - - - - - - - - Year Two Growth 25.00% - - - - - - - - - - - - - Year Three Growth 25.00% - - - - - - - - - - - - -
Overhead Exp Allocation 50.00%
Projected Revenue $ - Variable Costs - Gross Margin - Overhead Expenses - Profit - 0.00%
Breakeven Sales Revenu $ - Breakeven Sales Units -
Product/Service BPrice Per Unit $ - 100.00%Variable Cost Per Unit $ - 0.00%Gross Margin Per Unit $ - 0.00%Projected Unit Sales
Seasonality Factor 0.00% 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 - - - - - - - - - - - - - Year Two Growth 10.00% - - - - - - - - - - - - - Year Three Growth 10.00% - - - - - - - - - - - - -
Overhead Exp Allocation 16.67%
Projected Revenue $ - Variable Costs - Gross Margin - Overhead Expenses - Profit - 0.00%
Breakeven Sales Revenu $ - Breakeven Sales Units -
Enter Your Business Name HereProjected Sales Forecast - Page 2
Products and Services Assumptions % Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals
Product/Service CPrice Per Unit $ - 100.00%Variable Cost Per Unit $ - 0.00%Gross Margin Per Unit $ - 0.00%Projected Unit Sales
Seasonality Factor 0.00% 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 - - - - - - - - - - - - - Year Two Growth 10.00% - - - - - - - - - - - - - Year Three Growth 10.00% - - - - - - - - - - - - -
Overhead Exp Allocation 16.67%
Projected Revenue $ - Variable Costs - Gross Margin - Overhead Expenses - Profit - 0.00%
Breakeven Sales Revenu $ - Breakeven Sales Units -
Product/Service DPrice Per Unit $ - 100.00%Variable Cost Per Unit $ - 0.00%Gross Margin Per Unit $ - 0.00%Projected Unit Sales
Seasonality Factor 0.00% 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 - - - - - - - - - - - - - Year Two Growth 10.00% - - - - - - - - - - - - - Year Three Growth 10.00% - - - - - - - - - - - - -
Overhead Exp Allocation 16.67%
Projected Revenue $ - Variable Costs - Gross Margin - Overhead Expenses - Profit - 0.00%
Breakeven Sales Revenu $ - Breakeven Sales Units -
Enter Your Business Name HereCash Receipts and Disbursements
Accounts Receivable CollectionsPercent of Collections
0 to 30 days 100.00%31 to 60 days 0.00%More than 60 days 0.00%
Total Collections Percentage 100.00%
Accounts Payable DisbursementsNumber of Days to Pay Suppliers
0 to 30 days 100.00%31 to 60 days 0.00%More than 60 days 0.00%
Total Disbursements Percentage 100.00%
Line of Credit AssumptionsDesired Minimum Cash Balance $ - Line of Credit Interest Rate 8.00%
Income Tax AssumptionsEffective Income Tax Rate 20.00%
- - Amortization of Start-Up Expenses - -
Amortization Period in Years 3.00 -
Enter Your Business Name HereProjected Income Statement - Year One
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals
IncomeProduct/Service A - - - - - - - - - - - - - Product/Service B - - - - - - - - - - - - -
- -
Total Income - - - - - - - - - - - - -
Cost of SalesProduct/Service A - - - - - - - - - - - - - Product/Service B - - - - - - - - - - - - -
- -
Total Cost of Sales - - - - - - - - - - - - -
Gross Margin - - - - - - - - - - - - -
Total Salary and Wages - - - - - - - - - - - - -
Fixed Business ExpensesAdvertising - - - - - - - - - - - - - Car and Truck Expenses - - - - - - - - - - - - - Bank & Merchant Fees - - - - - - - - - - - - - Contract Labor - - - - - - - - - - - - - Conferences & Seminars - - - - - - - - - - - - - Customer Discounts and Refund - - - - - - - - - - - - - Dues and Subscriptions - - - - - - - - - - - - - Miscellaneous - - - - - - - - - - - - - Insurance (Liability and Property - - - - - - - - - - - - - Licenses/Fees/Permits - - - - - - - - - - - - - Legal and Professional Fees - - - - - - - - - - - - - Office Expenses & Supplies - - - - - - - - - - - - - Postage and Delivery - - - - - - - - - - - - - Rent (on business property) - - - - - - - - - - - - - Rent of Vehicles and Equipment - - - - - - - - - - - - - Sales & Marketing - - - - - - - - - - - - - Taxes-Other - - - - - - - - - - - - - Telephone and Communications - - - - - - - - - - - - - Travel - - - - - - - - - - - - - Utilities - - - - - - - - - - - - -
Total Fixed Business Expenses - - - - - - - - - - - - -
Other ExpensesAmortized Start-up Expenses - - - - - - - - - - - - -
Enter Your Business Name HereProjected Income Statement - Year One
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TotalsDepreciation - - - - - - - - - - - - - Interest
Commercial Loan - - - - - - - - - - - - - Commercial Mortgage - - - - - - - - - - - - - Line of Credit - - - - - - - - - - - - - Credit Card Debt - - - - - - - - - - - - - Vehicle Loans - - - - - - - - - - - - - Other Bank Debt - - - - - - - - - - - - -
Taxes - - - - - - - - - - - - - Total Other Expenses - - - - - - - - - - - - -
Net Income - - - - - - - - - - - - -
Enter Your Business Name HereProjected Cash Flow Statement - Year One
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals
Beginning Cash Balance - - - - - - - - - - - -
Cash InflowsIncome from Sales - - - - - - - - - - - - - Accounts Receivable - - - - - - - - - - - - -
Total Cash Inflows - - - - - - - - - - - - -
Cash OutflowsInvesting Activities
New Fixed Assets Purchases - - - - - - - - - - - - - Inventory Addition to Bal.She - - - - - - - - - - - - - Cost of Sales - - - - - - - - - - - - -
Operating ActivitiesSalaries and Wages - - - - - - - - - - - - - Fixed Business Expenses - - - - - - - - - - - - - Taxes - - - - - - - - - - - - -
Financing Activities - Loan Payments - - - - - - - - - - - - - Line of Credit Interest - - - - - - - - - - - - - Line of Credit Repayments - - - - - - - - - - - - - Dividends Paid - - - - - - - - - - - - -
Total Cash Outflows - - - - - - - - - - - - -
Cash Flow - - - - - - - - - - - - -
Operating Cash Balance - - - - - - - - - - - -
Line of Credit Drawdowns - - - - - - - - - - - - -
Ending Cash Balance - - - - - - - - - - - -
Line of Credit Balance - - - - - - - - - - - -
Enter Your Business Name HereBalance Sheet - Year One
Base Period End of Year One
AssetsCurrent Assets
Cash - - Accounts Receivable - - Inventory - - Prepaid Expenses - - Other Current - -
Total Current Assets - -
Fixed AssetsReal Estate-Land - - Buildings - - Leasehold Improvements - - Equipment - - Furniture and Fixtures - - Vehicles - - Other Fixed Assets - -
Total Fixed Assets - -
Less: Accumulated Depreciation - -
Total Assets - -
Liabilities and Owner's EquityLiabilities
Accounts Payable - - Loan Payable - - Mortgage Payable - - Credit Card Debt - - Vehicle Loans - - Other Bank Debt - - Line of Credit Balance - -
Total Liabilities - -
Owner's EquityCommon Stock - - Retained Earnings - - Dividends Dispersed - -
Total Owner's Equity - -
Enter Your Business Name HereBalance Sheet - Year One
Base Period End of Year OneTotal Liabilities and Owner's Equity - -
Statement Balances Statement Balances
Enter Your Business Name HereYear End Summary
Year One % Year Two % Year Three %
IncomeProduct/Service A - - - Product/Service B - - -
- - - - - -
Total Income - 100.00% - 100.00% - 100.00%
Cost of SalesProduct/Service A - - - Product/Service B - - -
- - - - - -
Total Cost of Sales - 0.00% - 0.00% - 0.00%
Gross Margin - 0.00% - 0.00% - 0.00%
Total Salary and Wages - 0.00% - 0.00% - 0.00%
Fixed Business ExpensesAdvertising - - - Car and Truck Expenses - - - Bank & Merchant Fees - - - Contract Labor - - - Conferences & Seminars - - - Customer Discounts and Refunds - - - Dues and Subscriptions - - - Miscellaneous - - - Insurance (Liability and Property) - - - Licenses/Fees/Permits - - - Legal and Professional Fees - - - Office Expenses & Supplies - - - Postage and Delivery - - - Rent (on business property) - - - Rent of Vehicles and Equipment - - - Sales & Marketing - - - Taxes-Other - - - Telephone and Communications - - - Travel - - - Utilities - - -
Total Fixed Business Expenses - 0.00% - 0.00% - 0.00%
Operating Income (before Other Expenses) - 0.00% - 0.00% - 0.00%[EBITDA]
Enter Your Business Name HereYear End Summary
Year One % Year Two % Year Three %
Other ExpensesAmortized Start-up Expenses - - - Depreciation - - - Interest
Commercial Loan - - - Commercial Mortgage - - - Line of Credit - - - - Credit Card Debt - - - Vehicle Loans - - - Other Bank Debt - - -
Taxes - - - Total Other Expenses - 0.00% - 0.00% - 0.00%
Net Income - 0.00% - 0.00% - 0.00%
Enter Your Business Name HereProjected Income Statement - Year Two
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals
IncomeProduct/Service A - - - - - - - - - - - - - Product/Service B - - - - - - - - - - - - -
- -
Total Income - - - - - - - - - - - - -
Cost of SalesProduct/Service A - - - - - - - - - - - - - Product/Service B - - - - - - - - - - - - -
- -
Total Cost of Sales - - - - - - - - - - - - -
Gross Margin - - - - - - - - - - - - -
Total Salary and Wages - - - - - - - - - - - - -
Fixed Business ExpensesAdvertising - - - - - - - - - - - - - Car and Truck Expenses - - - - - - - - - - - - - Bank & Merchant Fees - - - - - - - - - - - - - Contract Labor - - - - - - - - - - - - - Conferences & Seminars - - - - - - - - - - - - - Customer Discounts and Refund - - - - - - - - - - - - - Dues and Subscriptions - - - - - - - - - - - - - Miscellaneous - - - - - - - - - - - - - Insurance (Liability and Property - - - - - - - - - - - - - Licenses/Fees/Permits - - - - - - - - - - - - - Legal and Professional Fees - - - - - - - - - - - - - Office Expenses & Supplies - - - - - - - - - - - - - Postage and Delivery - - - - - - - - - - - - - Rent (on business property) - - - - - - - - - - - - - Rent of Vehicles and Equipment - - - - - - - - - - - - - Sales & Marketing - - - - - - - - - - - - - Taxes-Other - - - - - - - - - - - - - Telephone and Communications - - - - - - - - - - - - - Travel - - - - - - - - - - - - - Utilities - - - - - - - - - - - - -
Total Fixed Business Expenses - - - - - - - - - - - - -
Other ExpensesAmortized Start-up Expenses - - - - - - - - - - - - -
Enter Your Business Name HereProjected Income Statement - Year Two
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TotalsDepreciation - - - - - - - - - - - - - Interest
Commercial Loan - - - - - - - - - - - - - Commercial Mortgage - - - - - - - - - - - - - Line of Credit - - - - - - - - - - - - - Credit Card Debt - - - - - - - - - - - - - Vehicle Loans - - - - - - - - - - - - - Other Bank Debt - - - - - - - - - - - - -
Taxes - - - - - - - - - - - - - Total Other Expenses - - - - - - - - - - - - -
Net Income - - - - - - - - - - - - -
Enter Your Business Name HereProjected Cash Flow Statement - Year Two
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals
Beginning Cash Balance - - - - - - - - - - - -
Cash InflowsIncome from Sales - - - - - - - - - - - - - Accounts Receivable - - - - - - - - - - - - -
Total Cash Inflows - - - - - - - - - - - - -
Cash OutflowsInvesting Activities
New Fixed Assets Purchases - - - - - - - - - - - - - Inventory Addition to Bal. Sh - - - - - - - - - - - - - Cost of Sales - - - - - - - - - - - - -
Operating ActivitiesSalaries and Wages - - - - - - - - - - - - - Fixed Business Expenses - - - - - - - - - - - - - Taxes - - - - - - - - - - - - -
Financing Activities - Loan Payments - - - - - - - - - - - - - Line of Credit Interest - - - - - - - - - - - - - Line of Credit Repayments - - - - - - - - - - - - - Dividends Paid - - - - - - - - - - - - -
Total Cash Outflows - - - - - - - - - - - - -
Cash Flow - - - - - - - - - - - - -
Operating Cash Balance - - - - - - - - - - - -
Line of Credit Drawdowns - - - - - - - - - - - - -
Ending Cash Balance - - - - - - - - - - - -
Line of Credit Balance - - - - - - - - - - - -
Enter Your Business Name HereBalance Sheet - Year Two
End of Year One End of Year Two
AssetsCurrent Assets
Cash - - Accounts Receivable - - Inventory - - Prepaid Expenses - - Other Current - -
Total Current Assets - -
Fixed AssetsReal Estate-Land - - Buildings - - Leasehold Improvements - - Equipment - - Furniture and Fixtures - - Vehicles - - Other Fixed Assets - -
Total Fixed Assets - -
Less: Accumulated Depreciation - -
Total Assets - -
Liabilities and Owner's EquityLiabilities
Accounts Payable - - Notes Payable - - Mortgage Payable - - Credit Card Debt - - Vehicle Loans - - Other Bank Debt - - Line of Credit Balance - -
Total Liabilities - -
Owner's EquityCommon Stock - - Retained Earnings - - Dividends Dispersed - -
Total Owner's Equity - -
Enter Your Business Name HereBalance Sheet - Year Two
End of Year One End of Year TwoTotal Liabilities and Owner's Equity - -
Statement Balances Statement Balances
Enter Your Business Name HereProjected Income Statement - Year Three
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals
IncomeProduct/Service A - - - - - - - - - - - - - Product/Service B - - - - - - - - - - - - -
- -
Total Income - - - - - - - - - - - - -
Cost of SalesProduct/Service A - - - - - - - - - - - - - Product/Service B - - - - - - - - - - - - -
- -
Total Cost of Sales - - - - - - - - - - - - -
Gross Margin - - - - - - - - - - - - -
Total Salary and Wages - - - - - - - - - - - - -
Fixed Business ExpensesAdvertising - - - - - - - - - - - - - Car and Truck Expenses - - - - - - - - - - - - - Bank & Merchant Fees - - - - - - - - - - - - - Contract Labor - - - - - - - - - - - - - Conferences & Seminars - - - - - - - - - - - - - Customer Discounts and Refund - - - - - - - - - - - - - Dues and Subscriptions - - - - - - - - - - - - - Miscellaneous - - - - - - - - - - - - - Insurance (Liability and Property - - - - - - - - - - - - - Licenses/Fees/Permits - - - - - - - - - - - - - Legal and Professional Fees - - - - - - - - - - - - - Office Expenses & Supplies - - - - - - - - - - - - - Postage and Delivery - - - - - - - - - - - - - Rent (on business property) - - - - - - - - - - - - - Rent of Vehicles and Equipment - - - - - - - - - - - - - Sales & Marketing - - - - - - - - - - - - - Taxes-Other - - - - - - - - - - - - - Telephone and Communications - - - - - - - - - - - - - Travel - - - - - - - - - - - - - Utilities - - - - - - - - - - - - -
Total Fixed Business Expenses - - - - - - - - - - - - -
Other ExpensesAmortized Start-up Expenses - - - - - - - - - - - - -
Enter Your Business Name HereProjected Income Statement - Year Three
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec TotalsDepreciation - - - - - - - - - - - - - Interest
Commercial Loan - - - - - - - - - - - - - Commercial Mortgage - - - - - - - - - - - - - Line of Credit - - - - - - - - - - - - - Credit Card Debt - - - - - - - - - - - - - Vehicle Loans - - - - - - - - - - - - - Other Bank Debt - - - - - - - - - - - - -
Taxes - - - - - - - - - - - - - Total Other Expenses - - - - - - - - - - - - -
Net Income - - - - - - - - - - - - -
Enter Your Business Name HereProjected Cash Flow Statement - Year Three
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals
Beginning Cash Balance - - - - - - - - - - - -
Cash InflowsIncome from Sales - - - - - - - - - - - - - Accounts Receivable - - - - - - - - - - - - -
Total Cash Inflows - - - - - - - - - - - - -
Cash OutflowsInvesting Activities
New Fixed Assets Purchases - - - - - - - - - - - - - Inventory Addition to Bal.She - - - - - - - - - - - - - Cost of Sales - - - - - - - - - - - - -
Operating ActivitiesSalaries and Wages - - - - - - - - - - - - - Fixed Business Expenses - - - - - - - - - - - - - Taxes - - - - - - - - - - - - -
Financing Activities - Loan Payments - - - - - - - - - - - - - Line of Credit Interest - - - - - - - - - - - - - Line of Credit Repayments - - - - - - - - - - - - - Dividends Paid - - - - - - - - - - - - -
Total Cash Outflows - - - - - - - - - - - - -
Cash Flow - - - - - - - - - - - - -
Operating Cash Balance - - - - - - - - - - - -
Line of Credit Drawdowns - - - - - - - - - - - - -
Ending Cash Balance - - - - - - - - - - - -
Line of Credit Balance - - - - - - - - - - - -
Enter Your Business Name HereBalance Sheet - Year Three
End of Year Two End of Year Three
AssetsCurrent Assets
Cash - - Accounts Receivable - - Inventory - - Prepaid Expenses - - Other Current - -
Total Current Assets - -
Fixed AssetsReal Estate-Land - - Buildings - - Leasehold Improvements - - Equipment - - Furniture and Fixtures - - Vehicles - - Other Fixed Assets - -
Total Fixed Assets - -
Less: Accumulated Depreciation - -
Total Assets - -
Liabilities and Owner's EquityLiabilities
Accounts Payable - - Notes Payable - - Mortgage Payable - - Credit Card Debt - - Vehicle Loans - - Other Bank Debt - - Line of Credit Balance - -
Total Liabilities - -
Owner's EquityCommon Stock - - Retained Earnings - - Dividends Dispersed - -
Total Owner's Equity - -
Enter Your Business Name HereBalance Sheet - Year Three
End of Year Two End of Year ThreeTotal Liabilities and Owner's Equity - -
Statement Balances Statement Balances
Enter Your Business Name HereFinancial Ratios
Ratio Year One Year Two Year Three RMA Industry NormsLiquidity
Current Ratio 0.0 0.0 0.0Quick Ratio 0.0 0.0 0.0
SafetyDebt to Equity Ratio 0.0 0.0 0.0Debt to Coverage Ratio 0.0 0.0 0.0
ProfitabilitySales Growth 0.0% 0.0% 0.0%COGS to Sales 0.0% 0.0% 0.0%Gross Profit Margin 0.0% 0.0% 0.0%SG&A to Sales 0.0% 0.0% 0.0%Net Profit Margin 0.0% 0.0% 0.0%Return on Equity 0.0% 0.0% 0.0%Return on Assets 0.0% 0.0% 0.0%Owner's Compensation to Sales 0.0% 0.0% 0.0%
EfficiencyDays in Receivables 0.0 0.0 0.0Accounts Receivable Turnover 0.0 0.0 0.0Days in Inventory 0.0 0.0 0.0Inventory Turnover 0.0 0.0 0.0Sales to Total Assets 0.0 0.0 0.0
Enter Your Business Name HereBreakeven Analysis
Breakeven Analysis Dollars PercentAnnual Sales Revenue $ - 100.00%Cost of Sales - 0.00%Gross Margin - 0.00%
Salaries and Wages - Fixed Operating Expenses - Total Fixed Business Expenses -
Breakeven Sales Calculation - 0.00%
Breakeven Sales in Dollars $ -
Enter Your Business Name HereAmortization Schedule
Loan Type Assumptions Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals
Commercial LoanPrincipal Amount $ - Interest Rate 7.00%Loan Term in Months 84.00 Monthly Payment Amou $0.00
Year OneInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Year TwoInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Year ThreeInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Commercial MortgagePrincipal Amount $ - Interest Rate 8.00%Loan Term in Months 240.00 Monthly Payment Amou $0.00
Year OneInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Year TwoInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Year ThreeInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Credit Card Debt
Principal Amount $ - Interest Rate 7.00%Loan Term in Months 60.00 Monthly Payment Amou $0.00
Year OneInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Year TwoInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Year ThreeInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Vehicle LoansPrincipal Amount $ - Interest Rate 6.00%Loan Term in Months 48.00 Monthly Payment Amou $0.00
Year OneInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Year TwoInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Year ThreeInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Other Bank DebtPrincipal Amount $ - Interest Rate 5.00%Loan Term in Months 36.00 Monthly Payment Amou $0.00
Year OneInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Year TwoInterest - - - - - - - - - - - - -
Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Year ThreeInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -
Enter Your Business Name HereFinancial 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 Diagnostics Value FindingsGeneral Financing Assumptions
Owner's Cash Injection into the Business 0.0% Owner's injection might be too low in relation to the amount of money neededCash Request as percent of Total Required Fund 0.0% Cash request seems reasonable with respect to total request
Loan AssumptionsCommercial Loan Interest rate 7.0% Interest rate seems reasonableCommercial Loan Term in Months 84 Loan term seems within range for this type of loan
Commercial Mortgage Interest rate 8.0% Interest rate seems reasonableCommercial Mortgage Term in Months 240 Loan term seems within range for this type of loan
Loan Payments as a Percent of Projected Sales 0.0% Calculated loan payments as a percent of sales seem resonable
Income StatementGross Margin as a Percent of Sales 0.0% Gross margin percentage seems very lowOwner's Compensation Lower Limit Check $ - An owner's compensation amount has not been establishedOwner's Compensation Upper Limit Check 0.0% Owner's compensation seems reasonableAdvertising Expense Levels as a Percent of Sale 0.0% Advertising as a percent of sales may be too lowProfitability Levels $ - The business is showing a profitProfitability as a Percent of Sales 0.0% The projection does not seem highly unreasonable
Cash Flow StatementDesired Operating cash Flow Levels $ - The financial projection provides the desired level of cash flowLine of Credit Drawdowns $ - The business doesn't seem to require a line of creditAccounts Receivable Ratio to Sales 0.0% Accounts receivable amount as a percent of sales seems reasonable
Balance SheetDoes the Base Period Balance Sheet Balance? - The balance sheet does balanceDoes the Final Balance Sheet Balance - The balance sheet does balanceDebt to Equity Ratio 0.0% The debt to equity ratio seems reasonable
Breakeven AnalysisBreakeven Levels $ - The sales projection is less than the break-even amount