Create a small business as if you were applying for an SBA loan.

Budgeting Template PackageThis is an individual project due on April 28th. Turn-in is set up in
Blackboard content.
Create a small business as if you were applying for an SBA loan.
Use the Financial Projections Forecast template on Score.org
SCORE is the Service Core of Retired Executives. They work with the Small
Business Administration (SBA) to help small business. One way they help is
with business plan support which is why we are here. They have an
integrated excel business plan package that is free.
Score Website Links:
http://www.score.org/ through business plans to here:
Startup resources: https://www.score.org/startup-resources
And then to here: https://www.score.org/resource/business-plan-templatestartup-business the first template is a word document that you can turn
into a full business plan. But that’s not why we are here.
We want to go to: https://www.score.org/resource/financial-projectionstemplate and then download the financial template: (I also added it to
blackboard.)
The template guide at the bottom of the page is pretty good if you need a
reference. This is for your benefit – so play with the template as much as
you wish.
Open the Excel and start on page 1: pick a name and sign in.
You can name the products and it’s up to you what you are selling.
Turn in a good copy via Blackboard. No need to print it out.
It produces a lot of reports – give them some review. There’s a lot here.
• The goal is to play with this and see the value potential of the website
and the spreadsheet package.
•
Do note the links between tabs and how they tie this together.
•
Look at the other tools on the SCORE website. Lots of cool stuff here.
•
Ping me if you need help.
•
You are creating a business plan so be creative.
• The alternative to this exercise was doing a comprehensive 16 hour
budget problem. Just for comparison.
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.
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 inputre.
The cells with formulas in this workbook are locked. If changes are needed, the
-10000
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.
Month 1
Month 2
Month 3
Month 4
Color-Coding:
Enter Data Here
Adjust as Needed
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.
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10 Month 11
Month 12
Start-Up Expenses Year 1
(Starting Balance Sheet)
Start-up Expenses Year 1 (Starting Balance Sheet)
Prepared By:
Owner
Company Name:
Company 1
Fixed Assets
Real Estate-Land
Real Estate-Buildings
Leasehold Improvements
Equipment
Furniture and Fixtures
Vehicles
Other
Total Fixed Assets
Amount
Notes
Not Depreciated
20
7
7
5
5
5
$
Operating Capital
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
Depreciation (years)
Amount
$
$
Sources of Funding
Notes
Percentage
Owner’s Equity
Outside Investors
Additional Loans or Debt
Commercial Loan
Commercial Mortgage
Credit Card Debt
Vehicle Loans
Other Bank Debt
Total Sources of Funding
Total Funding Needed
Totals
Loan Rate
Term in Months
Monthly Payments
Notes
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00% $
$
–
9.00%
84
9.00%
240
7.00%
60
6.00%
48
5.00%
36
Cell D 42 must equal cell C31
$
You are fully funded (Balanced)
–
See Loan Amortization &
Depreciation Schedule
Existing Businesses ONLY — Calculating Cash on Hand
Cash
+ Accounts Receivable
+ Prepaid Expenses
– Accounts Payable
– Accrued Expenses
Total Cash on Hand
$
ccc131377d7e5284b0067961dbcc414b
–
1-StartingPoint
4/23/2024 10:03 PM
Payroll Year 1
Payroll Year 1
Prepared By:
Company Name:
Owner
Company 1
Average Hourly
Employee Types
Estimated
Number of Owners Pay (to 2 decimal Hrs./Week
Estimated
/Employees
Pay/Month (Total)
places, ex. $15.23) (per person)
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
$
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
$
–
–
$
–
Total Salaries and Wages
0
$
–
0
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
Estimated Taxes &
Payroll Taxes and Benefits
Wage Base Limit
Social Security
$
Medicare
Percentage of
Benefits/Month
Salary/Wage
(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
137,700
6.20%
$
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
—
1.45%
$
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Federal Unemployment Tax (FUTA)
$
7,000
0.60%
$
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
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
11.70%
Total Salaries and Related Expenses
ccc131377d7e5284b0067961dbcc414b
2a-PayrollYear1
4/23/2024 10:03 PM
Payroll Years 1-3
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
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
2b-PayrollYrs1-3
4/23/2024 10:03 PM
Sales Forecst Year 1
Sales Forecast Year 1
Q1
Monthly Growth Rate by Qtr Yr1
Q2
10%
Prepared By:
Company Name:
Owner
Company 1
6%
Q3
Q4
4%
3%
Enter units sold for month 1. Months 2-12 will then populate
based on the monthly compounded growth rate you select in
cells C3, D3, E3 and F3.
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.
Complete This Chart First:
Product Lines
Sales Price Per
Units
COGS Per
Unit
Unit
Margin Per Unit
$
–
$
–
$
–
$
–
$
–
$
Category
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
Annual Totals
Breakdown
Category / Total
Product 1
0
0
0
0
0
0
0
0
0
0
0
Total Sales
Units Sold
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Total Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 2
0
0
0
0
0
0
0
0
0
0
0
Total Sales
Units Sold
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 3
0
0
0
0
0
0
0
0
0
0
0
Total Sales
Units Sold
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 4
0
0
0
0
0
0
0
0
0
0
0
Total Sales
Units Sold
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 5
0
0
0
0
0
0
0
0
0
0
0
Total Sales
Units Sold
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 6
0
0
0
0
0
0
0
0
0
0
0
Total Sales
Units Sold
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Total Units Sold
0
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales $
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Total Cost of Goods Sold $
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Total Margin $
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
3a-SalesForecastYear1
0.0%
4/23/2024 10:03 PM
Sales Forecast Years 1-3
Sales Forecast Year 1-3
Product Lines
Prepared by:
Company Name:
Owner
Company 1
Monthly Growth Rate Year 2
3.00%
Monthly Growth Rate Year 3
2.00%
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
Year 2 Totals
Category
Category /
Breakdown
Total
Product 1
Sold
0
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Total Margin $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 2
Sold
0
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 3
Sold
0
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 4
Sold
0
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales
0
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 5
Sold
0
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 6
Sold
0
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Total COGS $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin $
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
0
0
0
0
0
0
0
0
0
0
0
0
0
Total Units Sold
0
0
Total Sales $
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Total Cost of Goods Sold $
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Total Margin $
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
3b-SalesForecastYrs1-3
0.0%
4/23/2024 10:03 PM
Sales Forecast Years 1-3
Category
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 /
Year 3 Totals Breakdown
Total
Product 1
Sold
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Total Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 2
Sold
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 3
Sold
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 4
Sold
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 5
Sold
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Product 6
Sold
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales
–
–
–
–
–
–
–
–
–
–
–
–
$
0
–
0.0%
0.0%
Total COGS
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Margin
–
–
–
–
–
–
–
–
–
–
–
–
$
–
0.0%
0.0%
Total Units Sold
0
0
0
0
0
0
0
0
0
0
0
0
0
Total Sales $
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Total Cost of Goods Sold $
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Total Margin $
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
3b-SalesForecastYrs1-3
0.0%
4/23/2024 10:03 PM
Additional Inputs
Additional Inputs
Prepared By:
Company Name:
Owner
Company 1
Accounts Receivable (A/R) Days Sales Outstanding
Percent of Collections
Year 1
Paid within 30 days
Year 2
Year 3
100%
100%
100%
Paid between 30 and 60 days
0%
0%
0%
Paid in more than 60 days
0%
0%
0%
Allowance for bad debt
0%
0%
0%
100%
100%
100%
This should equal 100% —->
Accounts Payable (A/P)
Percent of Disbursements
Paid within 30 days
Year 1
Year 2
Year 3
100%
100%
100%
Paid between 30 and 60 days
0%
0%
0%
Paid in more than 60 days
0%
0%
0%
100%
100%
100%
This should equal 100% —->
Line of Credit Assumptions
Desired Minimum Cash Balance
0
Line of Credit Interest Rate
8.00%
Additional Fixed Assets Purchases
Fixed Assets
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
Year 3
Total
Total
Real Estate
20
$
–
$
–
Leasehold Improvements
7
$
–
$
–
Equipment
7
$
–
$
–
Furniture and Fixtures
5
$
–
$
–
Vehicles
5
$
–
$
–
Other Fixed Assets
5
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Total Additional Fixed Assets
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Income Tax Assumptions
Effective Income Tax Rate – Year 1
0.0%
Effective Income Tax Rate – Year 2
0.0%
Effective Income Tax Rate – Year 3
0.0%
Amortization of Start-Up Costs
Amortization Period in Years
3
ccc131377d7e5284b0067961dbcc414b
4-AdditionalInputs
4/23/2024 10:03 PM
Operating Expenses Year 1
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
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
5a-OpExYear1
4/23/2024 10:03 PM
Operating Expenses Years 1-3
Operating Expenses Years 1-3
Prepared By:
Company Name:
Owner
Company 1
Line Item
First Year
Growth Rate 1 to 2
Second Year
Growth Rate 2 to 3
Third Year
Advertising
–
3.0%
–
3.0%
–
Car and Truck Expenses
–
3.0%
–
3.0%
–
Commissions and Fees
–
5.0%
–
5.0%
–
Contract Labor (Not included in payroll)
–
3.0%
–
3.0%
–
Insurance (other than health)
–
3.0%
–
3.0%
–
Legal and Professional Services
–
3.0%
–
3.0%
–
Licenses
–
5.0%
–
5.0%
–
Office Expense
–
3.0%
–
3.0%
–
Rent or Lease — Vehicles, Machinery, Equipment
–
3.0%
–
3.0%
–
Rent or Lease — Other Business Property
–
3.0%
–
3.0%
–
Repairs and Maintenance
–
5.0%
–
5.0%
–
Supplies
–
3.0%
–
3.0%
–
Travel, Meals and Entertainment
–
3.0%
–
3.0%
–
Utilities
–
3.0%
–
3.0%
–
Miscellaneous
–
3.0%
–
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
ccc131377d7e5284b0067961dbcc414b
–
5b-OpExYrs1-3
4/23/2024 10:03 PM
Operating Expenses Years 1-3
Total Other Expenses
$
–
$
–
$
–
Total Operating Expenses
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
5b-OpExYrs1-3
4/23/2024 10:03 PM
Cash Flow Forecast Year 1
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 Purchases
–
–
–
–
–
–
–
–
–
–
–
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
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
6a-CashFlowYear1
4/23/2024 10:03 PM
Cash Flow Forecast Years 1-3
Cash Flow Forecast Years 1-3
Prepared By:
Company Name:
Owner
Company 1
Year 1 Totals
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
–
$
–
Cash Inflows
Cash Sales
$
–
–
–
–
–
–
–
–
–
–
–
–
Accounts Receivable
$
–
–
–
–
–
–
–
–
–
–
–
–
$
–
New Fixed Asset Purchases
$
–
Additional Inventory
$
–
Cost of Goods Sold
$
Operating Expenses
Payroll
Taxes
Total Cash Inflows
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Cash Outflows
Investing Activities
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
–
–
–
–
–
–
–
–
–
–
–
–
Loan Payments
$
–
–
–
–
–
–
–
–
–
–
–
–
–
Owners Distribution
$
–
Line of Credit Interest
$
–
–
–
–
–
–
–
–
–
–
–
–
–
Line of Credit Repayments
$
–
Dividends Paid
Operating Activities
Financing Activities
$
–
Total Cash Outflows
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Net Cash Flows
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Ending Cash Balance
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Line of Credit Balance
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Operating Cash Balance
Line of Credit Drawdown
$
–
ccc131377d7e5284b0067961dbcc414b
6b-CashFlowYrs1-3
4/23/2024 10:03 PM
Cash Flow Forecast Years 1-3
Year 2 Totals
Beginning Balance
Cash Inflows
Cash Sales
$
–
Accounts Receivable
$
–
$
–
New Fixed Asset Purchases $
–
Additional Inventory
$
–
Cost of Goods Sold
$
–
Operating Expenses
$
–
Payroll
$
–
Loan Payments
$
–
Owners Distribution
$
–
Line of Credit Interest
$
–
Line of Credit Repayments
$
–
Dividends Paid
$
–
Total Cash Outflows
$
–
Net Cash Flows
$
–
$
–
Total Cash Inflows
Cash Outflows
Investing Activities
Operating Activities
Taxes
Financing Activities
Operating Cash Balance
Line of Credit Drawdown
Ending Cash Balance
Line of Credit Balance
ccc131377d7e5284b0067961dbcc414b
6b-CashFlowYrs1-3
4/23/2024 10:03 PM
Cash Flow Forecast Years 1-3
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
–
$
Year 3 Totals
–
Cash Inflows
Cash Sales
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Accounts Receivable
–
–
–
–
–
–
–
–
–
–
–
–
$
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
$
–
Total Cash Inflows
Cash Outflows
Investing Activities
New Fixed Asset Purchases
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
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
6b-CashFlowYrs1-3
4/23/2024 10:03 PM
Income Statement Year 1
Income Statement 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
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
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Total Cost of Goods Sold
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Gross Margin
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Payroll
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Operating 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
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Other Expense 1
Other Expense 2
Total Operating Expenses
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Income (Before Other Expenses)
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Other Expenses
Amortized Start-up Expenses
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Depreciation
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Commercial Loan
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Commercial Mortgage
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Credit Card Debt
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Interest
ccc131377d7e5284b0067961dbcc414b
7a-IncomeStatementYear1
4/23/2024 10:03 PM
Income Statement Year 1
Vehicle Loans
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Other Bank Debt
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Line of Credit
–
–
–
–
–
–
–
–
–
–
–
–
$
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Bad Debt Expense
Total Other Expenses
Net Income Before Income Tax
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Income Tax
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Net Profit/Loss
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
7a-IncomeStatementYear1
4/23/2024 10:03 PM
Income Statement Year 1
Income Tax Calculations
Monthly Taxable Income
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Cumulative Taxable Income
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
7a-IncomeStatementYear1
4/23/2024 10:03 PM
Income Statement Years 1-3
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
Cost of Goods Sold
$
–
100%
$
–
–
100% $
–
100%
Product 1
–
–
–
Product 2
–
–
–
Product 3
–
–
–
Product 4
–
–
–
Product 5
–
–
Product 6
–
–
Total Cost of Goods Sold
–
0%
–
0%
–
0%
Gross Margin
–
0%
–
0%
–
0%
Payroll
Operating 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
–
–
–
–
Other Expense 1
Other Expense 2
Total Operating Expenses
$
–
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
–
Total Other Expenses
$
–
0%
$
–
0%
$
–
0%
Net Income Before Income Tax
$
–
0%
$
–
0%
$
–
0%
Income Tax
$
–
$
–
$
–
Net Income/Loss
$
–
$
–
$
–
Income Tax Calculations
Month 2
Month 3
0%
Month 4
0%
Month 10
Month 11
Month 12
Taxable Amount Year 2
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Total
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Income Taxes
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Taxable Amount Year 3
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Total
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
Income Taxes
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
$
–
ccc131377d7e5284b0067961dbcc414b
Month 1
0%
Month 5
Month 6
Month 7
7b-IncomeStatementYrs1-3
Month 8
Month 9
Total
4/23/2024 10:03 PM
Balance Sheet Years 1-3
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
–
–
–
Leasehold Improvements
–
–
–
Equipment
–
–
–
Furniture and Fixtures
–
–
–
Vehicles
–
–
–
Other
–
–
–
Total Fixed Assets $
–
$
–
$
–
(Less Accumulated Depreciation)
$
–
$
–
$
–
Total Assets
$
–
$
–
$
–
LIABILITIES & EQUITY
Liabilities
Accounts Payable
–
–
–
Commercial Loan Balance
–
–
–
Commercial Mortgage Balance
–
–
–
Credit Card Debt Balance
–
–
–
Vehicle Loans Balance
–
–
–
Other Bank Debt Balance
–
–
–
Line of Credit Balance
–
–
Total Liabilities $
–
$
–
$
–
Equity
Common Stock
–
–
–
Retained Earnings
–
–
–
Dividends Dispersed/Owners Draw
–
–
–
$
–
$
–
$
–
$
–
$
–
–
$
–
$
Total Liabilities and Equity
Balance sheet in or out of balance?
ccc131377d7e5284b0067961dbcc414b
–
Total Equity $
$
Balanced!
8-BalanceSheet
Balanced!
Balanced!
4/23/2024 10:03 PM
Breakeven Analysis
Breakeven Analysis Year 1
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
ccc131377d7e5284b0067961dbcc414b
BreakevenAnalysis
$
–
$
–
$
–
4/23/2024 10:03 PM
Financial Ratios – Year 1
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
ccc131377d7e5284b0067961dbcc414b
FinancialRatios
4/23/2024 10:03 PM
Diagnostic Tools – Year 1
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
Findings
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
0.0% Calculated loan payments relative to operating profit seem reasonable
Income Statement
Value
Gross Margin as a Percent of Sales
Owner’s Compensation Lower Limit Check
Findings
0.0% Gross margin percentage seems very low
$
– An owner’s compensation amount has not been established
Owner’s Compensation Upper Limit Check
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 Levels
$
Profitability as a Percent of Sales
– The business is not showing a profit
0.0% The projection does not seem highly unreasonable
Cash Flow Statement
Value
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
0.0% Accounts receivable amount as a percent of sales seems reasonable
Balance Sheet
Value
Does the Year 1 Balance Sheet Balance?
$
Debt to Equity Ratio
Findings
– The balance sheet does balance
0.0% Very comfortable
Breakeven Analysis
Value
Do Sales Exceed the Breakeven Level?
$
ccc131377d7e5284b0067961dbcc414b
Findings
Findings
– The sales projection is less than the break-even amount
DiagnosticTools
4/23/2024 10:03 PM
COGS Calculator
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
Please enter all information.
Return to Sales Forecast Year 1
ccc131377d7e5284b0067961dbcc414b
COGS Calculator
4/23/2024 10:03 PM
Amortization and Depreciation Schedule
Amortization & 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
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Year One
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Month 10
Month 11
Month 12
Year Two
Year Three
Commercial Mortgage
Principal Amount
$
–
Interest Rate
9.00%
Loan Term in Months
240.00
Monthly Payment Amount
$0.00
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Totals
Year One
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Year Two
Year Three
Amortization and Depreciation Schedule
Credit Card Debt
Principal Amount
$
–
Interest Rate
7.00%
Loan Term in Months
60.00
Monthly Payment Amount
$0.00
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Year One
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Month 10
Month 11
Month 12
Year Two
Year Three
Vehicle Loans
Principal Amount
$
–
Interest Rate
6.00%
Loan Term in Months
48.00
Monthly Payment Amount
$0.00
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Totals
Year One
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Year Two
Year Three
Amortization and Depreciation Schedule
Other Bank Debt
Principal Amount
$0.00
Interest Rate
5.00%
Loan Term in Months
36.00
Monthly Payment Amount
$0.00
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Year One
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Interest
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Principal
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Loan Balance
–
–
–
–
–
–
–
–
–
–
–
–
Month 10
Month 11
Month 12
Year Two
Year Three
Depreciation
Real Estate-Buildings
20
Leasehold Improvements
7
Equipment
7
Furniture and Fixtures
5
Vehicles
5
Other
5
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Totals
Year One
Starting Depreciation
–
–
–
–
–
–
–
–
–
–
–
–
Additional Depreciation
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Ending Depreciation
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Starting Depreciation
–
–
–
–
–
–
–
–
–
–
Additional Depreciation
–
–
–
–
–
–
–
–
–
–
–
–
$
–
–
–
Ending Depreciation
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Starting Depreciation
–
–
–
–
–
–
–
–
Additional Depreciation
–
–
–
–
–
–
–
–
–
–
–
–
$
–
–
–
–
–
Ending Deprecation
–
–
–
–
–
–
–
–
–
–
–
–
$
–
Year Two
Year Three
Amortization and Depreciation Schedule
Amortization of Start-Up Costs
Monthly
Prepaid Expenses
$
–
Total Expensed each Year
$
–
Other Initial Costs
$
–
Total Expensed each Year
$
Prepaid Expenses
0
Month 1
0
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
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
Month 8
Month 9
Month 10
Month 11
Month 12
Totals
Year One
Amount Amortized
–
–
–
–
–
–
–
–
–
–
–
–
Total Amortized
–
–
–
–
–
–
–
–
–
–
–
–
Starting Depreciation
–
–
–
–
–
–
–
–
–
–
–
–
Ending Depreciation
–
–
–
–
–
–
–
–
–
–
–
–
Starting Depreciation
–
–
–
–
–
–
–
–
–
–
–
–
Ending Deprecation
–
–
–
–
–
–
–
–
–
–
–
–
$
–
$
–
$
–
Year Two
Year Three