Projections

Step 1 - Enter info about your company in yellow shaded boxes below.
Preparer Name
Company Name
Starting Month
Starting Year
Step 2 - Read the following instructions

This Microsoft Excel Workbook is designed to provide those starting a business or
already running a business with information that will allow them to make a "go
/no-go" decision. It will help a potential entrepreneur project operating profit,
develop a projected income statement, balance sheet and cash flow forecast.
It is designed for a wide variety of users, from those who have little or no
accounting or Excel experience to those who may be well versed in finance,
accounting and the use of Microsoft Excel.
Color-Coding:
Enter Data Here
Adjust as Needed
The workbook contains a number of worksheets, each documented two ways.

Extensive directions and guidance for a particular page or on a specific
accounting topic are found in blue boxes (like this one) on pages that are not selfexplanatory.
The second way this workbook is documented is using Excel comments in a given
cell. Comments are normally hidden from sight. If you see a red triangle in the
upper right corner of a cell, you can hover your mouse over the triangle to see the
note. As your mouse moves away from the triangle, the comment will disappear.
Comments will have a beige background. Each comment may have a specific
direction for that cell, may be a reminder of something the author believes
important, or may have some additional information about the accounting topic.
The cells and formulas in this workbook are protected. Cells with yellow or light
blue backgrounds are designed for user input. All other cells are designed to
generate data based on user input.
The cells with formulas in this workbook are locked. If changes are needed, the
unlock code is "1234." Please use caution when unlocking the spreadsheets. If you
want to change a formula, we strongly recommend that you save a copy of this
spreadsheet under a different name before doing so.
Need to make the

numbers bigger? Increase the
magnification. This will either be located in
the lower right-hand corner, or in the
Functions bar at the top of the page.
-10000
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Start-Up Expenses Year 1

(Starting Balance Sheet)
Prepared By:
Company Name:
Owner
Company 1
Fixed Assets
Amount
Depreciation (years)
Real Estate-Land
Real Estate-Buildings
Notes
Not Depreciated
20
Leasehold Improvements
Equipment
7
7
Furniture and Fixtures

Vehicles
Other
5
5
5
Total Fixed Assets
Operating Capital
Amount
Notes
Pre-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
Percentage
Totals
Loan Rate
Term in Months
Monthly Payments
Notes
Owner's Equity
Outside Investors
0.00%
0.00%
Additional Loans or Debt

Commercial Loan
0.00%
9.00%
84
Commercial Mortgage
Credit Card Debt
0.00%
0.00%
9.00%
7.00%
240
60
Vehicle Loans
Other Bank Debt
0.00%
0.00%
6.00%
5.00%
48
36
Total Sources of Funding

Total Funding Needed
0.00% $
$
Existing Businesses ONLY -- Calculating Cash on Hand

Cash
+ Accounts Receivable
+ Prepaid Expenses
- Accounts Payable
- Accrued Expenses
Total Cash on Hand
269563797.xlsx
Cell D 42 must equal cell C31
You are fully funded (Balanced)
Note: For existing businesses, this should

be the "bucket" of cash plus receivables
that will be turned into cash, minus
payables that will be paid out in cash in
the near term (i.e. in the first months of
the plan)
1-StartingPoint
05/09/2015 07:44:06
Payroll Year 1
Employee Types
Prepared By:
Company Name:
Owner
Company 1
Number of Owners
/Employees
Average Hourly
Estimated
Pay (to 2 decimal Hrs./Week (per
places, ex. $15.23) person)
Estimated Pay/Month
(Total)
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Annual Totals
Owner(s)
Full-Time Employees
Part-Time Employees
Independent Contractors
0 $
Total Salaries and Wages
Payroll Taxes and Benefits

Social Security
0 $
Percentage of
Salary/Wage
Wage Base Limit

$
Medicare
110,111
--
Estimated Taxes &

Benefits/Month
(Total)
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Annual Totals
6.20%
1.45%
Federal Unemployment Tax (FUTA)
7,000
0.80%
State Unemployment Tax (SUTA)
7,000
3.45%
Employee Pension Programs
--
0.00%
Worker's Compensation
--
0.00%
Employee Health Insurance
--
0.00%
Other Employee Benefit Programs
--
0.00%
Total Payroll Taxes and Benefits

Total Salaries and Related Expenses
269563797.xlsx
11.90%
2a-PayrollYear1
05/09/2015 07:44:07
Payroll Years 1-3

Prepared By:
Company Name:
Owner
Company 1
Employee Types
Year 1 Totals
Growth Rate 1 to 2
Second Year
Growth Rate 2 to 3
Third Year
Owner(s)
20.0%
30.0%
Full-Time Employees
20.0%
30.0%
Part-Time Employees
10.0%
30.0%
Independent Contractors
3.0%
3.0%
Total Salaries and Wages
Payroll Taxes and Benefits

Social Security
20.0%
30.0%
Medicare
20.0%
30.0%
Federal Unemployment Tax (FUTA)
20.0%
30.0%
State Unemployment Tax (SUTA)
20.0%
30.0%
Employee Pension Programs
0.0%
0.0%
Worker's Compensation
3.0%
3.0%
Employee Health Insurance
3.0%
3.0%
Other Employee Benefit Programs
10.0%
10.0%
Total Payroll Taxes and Benefits
Total Salaries and Related Expenses
269563797.xlsx
2b-PayrollYrs1-3
05/09/2015 07:44:07
Sales Forecst Year 1

Prepared By:
Company Name:
Owner
Company 1
Complete This Chart First:

Product Lines
Units
Product Lines
Sales Price Per

Unit
Month 1
Month 2
COGS Per Unit

Margin Per Unit
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Category
Breakdown
Annual Totals
Category / Total
Product 1
Units Sold
0.0%
Total Sales
0.0%
0.0%
Total COGS
0.0%
0.0%
Total Margin
0.0%
0.0%
Total Sales
0.0%
0.0%
Total COGS
0.0%
0.0%
Margin
0.0%
0.0%
Total Sales
0.0%
0.0%
Total COGS
0.0%
0.0%
Margin
0.0%
0.0%
Total Sales
0.0%
0.0%
Total COGS
0.0%
0.0%
Margin
0.0%
0.0%
Product 2
Units Sold
0.0%
Product 3
Units Sold
0.0%
Product 4
Units Sold
0.0%
Product 5
Units Sold
0.0%
Total Sales
0.0%
0.0%
Total COGS
0.0%
0.0%
Margin
0.0%
0.0%
Total Sales
0.0%
0.0%
Total COGS
0.0%
0.0%
Margin
0.0%
0.0%
Total Units Sold
Product 6
Units Sold
Total Sales $
Total Cost of Goods Sold $
Total Margin $
269563797.xlsx
3a-SalesForecastYear1
0.0%
05/09/2015 07:44:07
Sales
Forecast
Yearsin1-3
This sheet will populate
based
on information
the year 1 Sales
Forecast.
Prepared by:
The included growth rate is just a starting point, if you can provide a
more accurate prediction for each month, unlock the sheet (see
Directions) and change the value for that month. Please note that you
will no longer have a formula in that cell once you change the value, so
you may want to save a copy of this spreadsheet under a different name
before doing so.
Company Name:
Company 1
Owner
Growth Rate Year 1 to Year 2: 10.00%

Growth Rate Year 2 to Year 3: 10.00%
Product Lines
Year 1 Totals
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Category
Breakdown
Year 2 Totals
Product 1
0
Total Sales $
- $
0.0%
Total COGS $
Sold
- $
0.0%
Total Margin $
- $
0.0%
Product 2
0
Total Sales $
Sold
- $
0.0%
Total COGS $
- $
0.0%
Margin $
- $
0.0%
Product 3
0
Total Sales $
Sold
- $
0.0%
Total COGS $
- $
0.0%
Margin $
- $
0.0%
Product 4
0
Total Sales
- $
0.0%
Total COGS $
Sold
- $
0.0%
Margin $
- $
0.0%
Product 5
0
Total Sales $
Sold
- $
0.0%
Total COGS $
- $
0.0%
Margin $
- $
0.0%
Product 6
0
Total Sales $
Sold
- $
0.0%
Total COGS $
- $
0.0%
Margin $
- $
0.0%
Total Units Sold
Total Sales $
- $
Total Cost of Goods Sold $
- $
Total Margin $
- $
269563797.xlsx
3b-SalesForecastYrs1-3
05/09/2015 07:44:07
Sales Forecast Years 1-3
Category /
Total
Product Lines
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Category
Breakdown
Year 3 Totals
Category / Total
Product 1
Sold
0.0%
Total Sales
0.0%
0.0%
0.0%
Total COGS
0.0%
0
-
0.0%
0.0%
0.0%
Total Margin
0.0%
0.0%
0.0%
Product 2
Sold
0.0%
Total Sales
0.0%
0
-
0.0%
0.0%
0.0%
Total COGS
0.0%
0.0%
0.0%
Margin
0.0%
0.0%
0.0%
Product 3
Sold
0.0%
Total Sales
0.0%
0
-
0.0%
0.0%
0.0%
Total COGS
0.0%
0.0%
0.0%
Margin
0.0%
0.0%
0.0%
Product 4
Sold
0.0%
Total Sales
0.0%
0.0%
0.0%
Total COGS
0.0%
0
-
0.0%
0.0%
0.0%
Margin
0.0%
0.0%
0.0%
Product 5
Sold
0.0%
Total Sales
0.0%
0
-
0.0%
0.0%
0.0%
Total COGS
0.0%
0.0%
0.0%
Margin
0.0%
0.0%
0.0%
Product 6
Sold
0.0%
Total Sales
0.0%
0.0%
0.0%
Total COGS
0.0%
0.0%
0.0%
Margin
0.0%
0.0%
0.0%
Total Units Sold
269563797.xlsx
Total Sales
- $
- $
- $
- $
- $
- $
- $
- $
- $
Total Cost of Goods Sold
- $
- $
- $
- $
- $
- $
- $
- $
- $
Total Margin
- $
- $
- $
- $
- $
- $
- $
- $
- $
3b-SalesForecastYrs1-3
0.0%
05/09/2015 07:44:07
Additional Inputs
Prepared By:
Company Name:
Owner
Company 1
Accounts Receivable (A/R) Days Sales Outstanding

Percent of Collections
Year 1
Year 2
Year 3
Paid within 30 days
30%
30%
30%
Paid between 30 and 60 days
30%
30%
30%
Paid in more than 60 days
40%
40%
0%
0%
0%
100%
100%
100%
Allowance for bad debt

This should equal 100% ---->
40%
Accounts Payable (A/P)

Percent of Disbursements
Year 1
Year 2
Paid within 30 days

Paid between 30 and 60 days
0%
0%
100%
100%
100%
Paid in more than 60 days

This should equal 100% ---->
Year 3
0%
0%
0%
0%
100%
100%
100%
Line of Credit Assumptions

Desired Minimum Cash Balance
Line of Credit Interest Rate
8.00%
Additional Fixed Assets Purchases

Fixed Assets
Real Estate
Month 1
Depreciation (years)
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Year 1 Totals
Year 2 Total Year 3 Total
20
Equipment
Vehicles
Other Fixed Assets
- $
- $
Total Additional Fixed Assets
- $
- $
Income Tax Assumptions

Effective Income Tax Rate - Year 1
20.0%
20.0%
20.0%
Amortization of Start-Up Costs

Amortization Period in Years
269563797.xlsx
4-AdditionalInputs
05/09/2015 07:44:07
Operating Expenses Year 1

Prepared By:
Company Name:
Owner
Company 1
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Annual Totals
Expenses
Advertising
Car and Truck Expenses
Commissions and Fees
Contract Labor (Not included in payroll)
Insurance (other than health)
Legal and Professional Services
Licenses
Office Expense
Rent or Lease -- Vehicles, Machinery, Equipment
Rent or Lease -- Other Business Property
Repairs and Maintenance
Supplies
Travel, Meals and Entertainment
Utilities
Miscellaneous
- $
Total Expenses
Other Expenses
Depreciation
- $
Commercial Loan
- $
Commercial Mortgage
- $
Credit Card Debt
- $
Vehicle Loans
- $
Other Bank Debt
- $
Line of Credit
- $
- $
Interest
Bad Debt Expense

Total Other Expenses
- $
Total Fixed Operating Expenses
- $
269563797.xlsx
5a-OpExYear1
05/09/2015 07:44:07
Operating Expenses Years 1-3

Prepared By:
Company Name:
Owner
Company 1
Line Item
First Year
Growth Rate 1 to 2
Second Year
Advertising
3.0%
3.0%
5.0%
3.0%
3.0%
3.0%
Licenses
5.0%
Office Expense
3.0%
3.0%
3.0%
5.0%
Supplies
3.0%
3.0%
Utilities
3.0%
Miscellaneous
3.0%
Total Expenses
Other Expenses
Depreciation
Commercial Loan
Commercial Mortgage
Credit Card Debt
Vehicle Loans
Other Bank Debt
Line of Credit
Interest
Bad Debt Expense
269563797.xlsx
5b-OpExYrs1-3
05/09/2015 07:44:07

Total Operating Expenses
269563797.xlsx
5b-OpExYrs1-3
05/09/2015 07:44:07
Growth Rate 2 to 3
Third Year
3.0%
3.0%
5.0%
3.0%
3.0%
3.0%
5.0%
3.0%
3.0%
3.0%
5.0%
3.0%
3.0%
3.0%
3.0%
269563797.xlsx
5b-OpExYrs1-3
05/09/2015 07:44:07
269563797.xlsx
5b-OpExYrs1-3
05/09/2015 07:44:07
Cash Flow Forecast Year 1

Prepared By:
Company Name:
Owner
Company 1
Month 1
Beginning Balance
Month 2
-
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Cash Inflows
Cash Sales
Accounts Receivable
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
Total Cash Inflows
Cash Outflows
Investing Activities
New Fixed Asset Purcha
Additional Inventory
Cost of Goods Sold
Operating Expenses
Payroll
Taxes
Line of Credit Repayments
Dividends Paid
Operating Activities
Financing Activities
Loan Payments
Owners Distribution
Line of Credit Interest
Total Cash Outflows
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
Net Cash Flows
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
Operating Cash Balance
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
Line of Credit Drawdown
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
Ending Cash Balance
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
Line of Credit Balance
- $
- $
- $
- $
- $
- $
- $
- $
- $
- $
269563797.xlsx
6a-CashFlowYear1
05/09/2015 07:44:07
Cash Flow Forecast Years 1-3

Prepared By:
Company Name:
Owner
Company 1
Year 1 Totals
Month 1
Beginning Balance
NOTE: To only view the annual total side-by-side, highlight columns C thr
and right-click. Then select "Hide". Use the same procedure to Hide colu
"Unhide".
Month 2
-
Month 3
Month 4
Month 5
Cash Inflows
Cash Sales
Accounts Receivable
New Fixed Asset Pur
Cost of Goods Sold
Operating Expenses
Total Cash Inflows
Cash Outflows
-
Payroll
Taxes
Loan Payments
Owners Distribution
Line of Credit Repayment
Dividends Paid
Total Cash Outflows
Net Cash Flows
Ending Cash Balance
- $
- $

269563797.xlsx
6b-CashFlowYrs1-3
- $
- $
05/09/2015 07:44:07

NOTE: To only view the annual total side-by-side, highlight columns C through N
and right-click. Then select "Hide". Use the same procedure to Hide columns P through AA. To show them again, highlight columns B, O and AB, right-click and select
"Unhide".
Month 6
Beginning Balance
Month 7
Month 8
Month 9
Month 10
- $
Month 11
Month 12
Cash Inflows
Cash Sales
Accounts Receivable
Total Cash Inflows
Cash Outflows
New Fixed Asset Pur
Operating Expenses
Payroll
Taxes
Cost of Goods Sold
Loan Payments
Owners Distribution
Dividends Paid
Total Cash Outflows
Net Cash Flows
Ending Cash Balance
- $
- $
- $
- $
269563797.xlsx
6b-CashFlowYrs1-3
- $
05/09/2015 07:44:08

them again, highlight columns B, O and AB, right-click and select
Year 2 Totals
Beginning Balance
Cash Inflows
Cash Sales
Accounts Receivable
New Fixed Asset Pur $
Additional Inventory $
Cost of Goods Sold
Operating Expenses $
Payroll
Loan Payments
Owners Distribution
Line of Credit Repayment $
Dividends Paid
Total Cash Outflows
Net Cash Flows
Total Cash Inflows

Cash Outflows
Taxes

Ending Cash Balance
269563797.xlsx
6b-CashFlowYrs1-3
05/09/2015 07:44:08
Month 1
Beginning Balance
Month 2
-
Month 3
Month 4
Month 5
Month 6
Month 7
Cash Inflows
Cash Sales
Accounts Receivable
Operating Expenses
Payroll
Taxes
Total Cash Inflows

Cash Outflows
New Fixed Asset Pur
Cost of Goods Sold
Loan Payments
Owners Distribution
Dividends Paid
Total Cash Outflows
Net Cash Flows
Ending Cash Balance
- $
- $
269563797.xlsx
- $
6b-CashFlowYrs1-3
- $
- $
- $
05/09/2015 07:44:08
Month 8
Beginning Balance
Month 9
Month 10
Month 11
Month 12
Year 3 Totals
Cash Inflows
Cash Sales
- $
Accounts Receivable
- $
- $
- $
Total Cash Inflows

Cash Outflows
New Fixed Asset Pur
Cost of Goods Sold
- $
Operating Expenses
- $
Payroll
- $
Taxes
- $
- $
- $
Loan Payments
Owners Distribution

Dividends Paid
Total Cash Outflows
- $
Net Cash Flows
- $
- $
Ending Cash Balance
- $
- $
269563797.xlsx
- $
6b-CashFlowYrs1-3
- $
05/09/2015 07:44:08
Income Statement Year 1

Prepared By:
Company Name:
Owner
Company 1
Month 1
Month 2
Month 3
Month 4
Month 5
Revenue
Product 1
Product 2
Product 3
Product 4
Product 5
Product 6
Total Revenue
Cost of Goods Sold

Product 1
Product 2
Product 3
Product 4
Product 5
Product 6
Gross Margin
Payroll
Operating Expenses
269563797.xlsx
Advertising
Licenses
Office Expense
7a-IncomeStatementYear1
05/09/2015 07:44:08

Supplies
Utilities
Miscellaneous
Other Expense 1
Other Expense 2
Income (Before Other Expenses)
Other Expenses
Amortized Start-up Expenses
Depreciation
Commercial Loan
Commercial Mortgage
Credit Card Debt
Vehicle Loans
Other Bank Debt
Line of Credit
Interest
Bad Debt Expense

Net Income Before Income Tax
Income Tax
- $
- $
Net Profit/Loss
269563797.xlsx
$
$
$
$
- $
- $
05/09/2015 07:44:08
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Annual Totals
269563797.xlsx
05/09/2015 07:44:08

-
$
$
269563797.xlsx
- $
- $
- $
- $
- $
$
$
$
$
05/09/2015 07:44:08
Income Statement Years 1-3

Prepared By:
Company Name:
Owner
Company 1
Revenue
First Year
Second Year
Third Year
Product 1
Product 2
Product 3
Product 4
Product 5
Product 6
Total Revenue
100%
100% $
100%
Cost of Goods Sold

Product 1
Product 2
Product 3
Product 4
Product 5
Product 6
0%
0%
0%
Gross Margin
0%
0%
0%
Payroll
Advertising
Licenses
Office Expense
Supplies
Utilities
Miscellaneous
Operating Expenses
Other Expense 1
Other Expense 2
0%
0%
0%
Income (Before Other Expenses)
0%
0%
0%
Other Expenses
Amortized Start-up Expenses
Depreciation
Commercial Loan
Commercial Mortgage
Credit Card Debt
Vehicle Loans
Other Bank Debt
Line of Credit
Interest
Bad Debt Expense
269563797.xlsx
Net Income Before Income Tax
Income Tax
Net Income/Loss
0%
0%
7b-IncomeStatementYrs1-3
0%
0%
0%
0%
05/09/2015 07:44:08
Balance Sheet Years 1-3

Prepared By:
Company Name:
Owner
Company 1
ASSETS
First Year
Second Year
Third Year
Current Assets
Cash
Accounts Receivable
Inventory
Prepaid Expenses
Other Initial Costs
Total Current Assets $
Fixed Assets
Real Estate -- Land
Real Estate -- Buildings
Equipment
Vehicles
Other
Total Fixed Assets $
(Less Accumulated Depreciation)
- $
- $
Total Assets
- $
- $
Accounts Payable
Commercial Loan Balance
Commercial Mortgage Balance
LIABILITIES & EQUITY

Liabilities
Credit Card Debt Balance

Vehicle Loans Balance
Other Bank Debt Balance
Total Liabilities
Equity
Common Stock
Retained Earnings
Dividends Dispersed/Owners Draw
Total Equity $
Total Liabilities and Equity
Balance sheet in or out of balance?
269563797.xlsx
- $
8-BalanceSheet
- $
- $
Balanced!
- $
Balanced!
Balanced!
05/09/2015 07:44:08
Breakeven Analysis
Prepared By:
Company Name:
Owner
Company 1
Gross Margin % of Sales

Gross Margin
Total Sales
Gross Margin/Total Sales
0.0%
Total Fixed Expenses

Payroll
Operating Expenses
Operating + Payroll
Breakeven Sales in Dollars (Annual)

0.0%
Gross Margin % of Sales

Total Fixed Expenses
Yearly Breakeven Amount
Monthly Breakeven Amount
269563797.xlsx
BreakevenAnalysis
05/09/2015 07:44:08
Financial Ratios - Year 1
Prepared By:
Company Name:
Owner
Company 1
Ratios
Year One
Year Two
Year Three
Industry Norms
Notes
Liquidity
Current Ratio
0.0
0.0
0.0
Quick Ratio
0.0
0.0
0.0
Debt to Equity Ratio
0.0
0.0
0.0
Debt-Service Coverage Ratio - DSCR
0.0
0.0
0.0
Sales 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 (ROE)
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%
Days in Receivables
0.0
0.0
0.0
Accounts Receivable Turnover
0.0
0.0
0.0
Days in Inventory
0.0
0.0
0.0
Inventory Turnover
0.0
0.0
0.0
Sales to Total Assets
0.0
0.0
0.0
Safety
Profitability
Efficiency
269563797.xlsx
FinancialRatios
05/09/2015 07:44:08
Diagnostic Tools - Year 1

Prepared By:
Company Name:
Owner
Company 1
General Financing Assumptions
Value
Findings
Owner's Cash Injection into the Business
0.0% Owner's injection might be too low in relation to the amount of money needed
Cash Request as percent of Total Required Funds
0.0% Cash request seems reasonable with respect to total request
Loan Assumptions
Value
Commercial Loan Interest rate
9.0% Interest rate seems reasonable
Commercial Loan Term in Months
84 Loan term seems within range for this type of loan
Commercial Mortgage Interest rate
9.0% Interest rate seems reasonable
Commercial Mortgage Term in Months
240 Loan term seems within range for this type of loan
Debt-Service Coverage
Income Statement
0.0% Calculated loan payments relative to operating profit seem reasonable

Value
Gross Margin as a Percent of Sales

Owner's Compensation Lower Limit Check
- An owner's compensation amount has not been established

0.0% Owner's compensation seems reasonable
Advertising Expense Levels as a Percent of Sales
0.0% Advertising as a percent of sales may be too low

$
Profitability as a Percent of Sales

Cash Flow Statement
Findings
0.0% Gross margin percentage seems very low
Owner's Compensation Upper Limit Check

Profitability Levels
Findings
- The business is not showing a profit

0.0% The projection does not seem highly unreasonable
Value
Findings
Desired Operating cash Flow Levels
- The financial projection provides the desired level of cash flow
Line of Credit Drawdowns
- The business doesn't seem to require a line of credit
Accounts Receivable Ratio to Sales

Balance Sheet
Does the Year 1 Balance Sheet Balance?
0.0% Accounts receivable amount as a percent of sales seems reasonable

Value
$
Debt to Equity Ratio

Breakeven Analysis
Do Sales Exceed the Breakeven Level?
269563797.xlsx
Findings
- The balance sheet does balance
0.0% Very comfortable
Value
$
Findings
- The sales projection is less than the break-even amount
DiagnosticTools
05/09/2015 07:44:08
COGS Calculator
Prepared By:
Company Name:
Owner
Company 1
Variable Costs of Products

Timeframe: Month
Product Line: Widget
Raw materials
Labor used to produce product
Costs associated with shipping and storing raw materials
Production facility expenses (use fraction of total if facility is used for other items)
Total Product Expenses
Number Units Sold in timeframe used

Cost of Goods Sold Per Unit
Please enter all information.
Variable Costs of Services

Timeframe: Month
Product Line: Project
Amount spent on labor during timeframe
Amount spent on materials during this timeframe
List any other variable costs associated with the delivery of your service during this timeframe.
Total Service Expenses
Number Units Sold During Timeframe

Cost of Goods Sold Per Unit
269563797.xlsx
Please enter all information.
COGS Calculator
05/09/2015 07:44:08
Amortization and Depreciation Schedule

Prepared By:
Company Name:
Owner
Company 1
Return to Starting Point
Commercial Loan
Principal Amount
Interest Rate
9.00%
Loan Term in Months
84.00
Monthly Payment Amount
$0.00
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Year One
Interest
Principal
Loan Balance
Interest
Principal
Loan Balance
Interest
Principal
Loan Balance
Year Two
Year Three
Commercial Mortgage
Principal Amount
Interest Rate
9.00%
Loan Term in Months
240.00
$0.00
Month 1
Year One
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7

Interest
Principal
Loan Balance
Interest
Principal
Loan Balance
Interest
Principal
Loan Balance
Year Two
Year Three
Credit Card Debt

Principal Amount
Interest Rate
7.00%
Loan Term in Months
60.00
$0.00
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Year One
Interest
Principal
Loan Balance
Interest
Principal
Loan Balance
Interest
Principal
Loan Balance
Year Two
Year Three
Vehicle Loans
Principal Amount
Interest Rate
6.00%
Loan Term in Months
48.00
$0.00
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Year One
Interest
Principal
Loan Balance

Year Two
Interest
Principal
Loan Balance
Interest
Principal
Loan Balance
Year Three
Other Bank Debt

Principal Amount
$0.00
Interest Rate
5.00%
Loan Term in Months
36.00
$0.00
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Year One
Interest
Principal
Loan Balance
Interest
Principal
Loan Balance
Interest
Principal
Loan Balance
Year Two
Year Three
Depreciation
Real Estate-Buildings
20
Equipment
Vehicles
Other
5
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Year One
Starting Depreciation

Additional Depreciation
Ending Depreciation
Ending Depreciation
Ending Deprecation
Year Two
Year Three
Amortization of Start-Up Costs
Monthly
Prepaid Expenses
Total Expensed each Year
Other Initial Costs
Total Expensed each Year
Prepaid Expenses
Month 1
0
0
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Year One
Amount Amortized
Total Amortized
Amount Amortized
Total Amortized
Amount Amortized
Total Amortized
Year Two
Year Three
Other Initial Costs
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Year One
Amount Amortized
Total Amortized
Ending Depreciation
Ending Deprecation
Year Two
Year Three
Month 8
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Month 9
Month 10
Month 11
Month 12
Totals

-
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Month 8
Month 9
-
Month 10
-
Month 11
-
Month 12
-
Totals
-

-
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Date Last Revised Revised By
6/21/2013 Heather Hendy
7/14/2013 Heather Hendy
Notes
Tab 3a, cell O55: added margin from 6th product. Tab
3b, cells O49 and AD49: added margins from 6th
product. Tab 7b: added % sales for lines 23 and 59 for
all three years.
Updated Tabs 5a, 5b, 7a, and 7b to automatically carry
over debt categories from Tab 1 in case they are
edited. Updated Tabs 5b, 7a and 7b to carry over
expense categories from tab 5a in case they are
edited.

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Step 1 - Enter info about your company in yellow shaded boxes below.

Step 2 - Read the following instructions

The workbook contains a number of worksheets, each documented two ways.

Need to make the

Start-Up Expenses Year 1

Furniture and Fixtures

Total Fixed Assets

Pre-Opening Salaries and Wages

Total Required Funds

Additional Loans or Debt

Total Sources of Funding

Existing Businesses ONLY -- Calculating Cash on Hand

Cell D 42 must equal cell C31

You are fully funded (Balanced)

Note: For existing businesses, this should

Total Salaries and Wages

Payroll Taxes and Benefits

Wage Base Limit

Estimated Taxes &

Federal Unemployment Tax (FUTA)

State Unemployment Tax (SUTA)

Employee Pension Programs

Employee Health Insurance

Other Employee Benefit Programs

Total Payroll Taxes and Benefits

Payroll Years 1-3

Total Salaries and Wages

Payroll Taxes and Benefits

Federal Unemployment Tax (FUTA)

State Unemployment Tax (SUTA)

Employee Pension Programs

Employee Health Insurance

Other Employee Benefit Programs

Total Payroll Taxes and Benefits

Total Salaries and Related Expenses

Sales Forecst Year 1

Complete This Chart First:

Sales Price Per

COGS Per Unit

Total Units Sold

Total Cost of Goods Sold $

Growth Rate Year 1 to Year 2: 10.00%

Total Units Sold

Total Cost of Goods Sold $

Sales Forecast Years 1-3

Total Units Sold

Total Cost of Goods Sold

Accounts Receivable (A/R) Days Sales Outstanding

Paid within 30 days

Paid between 30 and 60 days

Paid in more than 60 days

Allowance for bad debt

Accounts Payable (A/P)

Paid within 30 days

Paid in more than 60 days

Line of Credit Assumptions

Line of Credit Interest Rate

Additional Fixed Assets Purchases

Year 2 Total Year 3 Total