Business Plan and a Pitch Deck and the Financial Worksheet

S-21-EMASTER-SCOREFinancialAnalysisFormOLD.xls

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Introduction

	Financial Projection Model
	This spreadsheet walks you through the process of developing an integrated set of financial projections.
	To use this model, simply complete any information asked for found in the color yellow.
	Example: Fill in boxes that look like this	- 0
	A number found in the color green is optional information that you can complete.
	Example: Check these assumptions	- 0
	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:
	The first six worksheets in this workbook are steps you will need to complete. They are titled:
	1. Required Start-Up Funds
	2. Salaries and Wages
	3. Fixed Operating Expenses
	4. Projected Sales Forecast (2 sheets)
	5. Cash Receipts and Disbursements
	The sixth step titled, "Beginning Balance Sheet" is for existing businesses only.
	Begin by clicking on the tabs below
	q

1. Required Start-Up Funds

4-Jan-21

Required Start-Up Funds for a New Business

Required Start-Up Funds

Amount

Totals

Depreciation

Notes

Fixed Assets

Real Estate

Buildings

20.00

years

Leasehold Improvements

7.00

years

Equipment

7.00

years

Furniture and Fixtures

5.00

years

Vehicles

5.00

years

Other Fixed Assets

5.00

years

Total Fixed Assets

- 0

Operating Capital

Pre-Opening Salaries and Wages

Prepaid Insurance Premiums

Beginning Inventory

Prof. Services (legal,CPA,Bus.Coach)

Rent Deposits

Utility Deposits

Supplies

Advertising and Promotions

Licenses

Other Initial Start-Up Costs

Working Capital (Cash On Hand)

Total Operating Capital

- 0

Total Required Funds

$ - 0

Sources of Funding

Amount

Totals

Loan Rate

Term in Months

Monthly Payments

Owner's Cash Injection

0.00%

Outside Investors

0.00%

Additional Loans or Debt

Commercial Loan

0.00%

- 0

9.00%

72.00

$0.00

Commercial Mortgage

0.00%

- 0

9.00%

240.00

$0.00

Total Sources of Funding

0.00%

$ - 0

$0.00

$ - 0

2. Salaries and Wages

0												4-Jan-21
Salaries and Wages
Salaries and Related Expenses				#	Assumptions	Wage Base	Monthly		Year One	Year Two	Year Three
Percent Change										3.00%	3.00%
Salaries and Wages
	Owner's Compensation								- 0	- 0	- 0
	Office manager								- 0	- 0	- 0
	Wages
		Managers					- 0		- 0	- 0	- 0
			Estimated Hours Per Week
			Estimated Rate Per Hour
		Assistants					- 0		- 0	- 0	- 0
			Estimated Hours Per Week
			Estimated Rate Per Hour
	Independent Contractors						- 0		- 0	- 0	- 0
Total Salaries and Wages				0			- 0		- 0	- 0	- 0
Payroll Taxes and Benefits															0%
	Social Security				6.20%	$ 102,000	- 0		- 0	- 0	- 0
	Medicare				1.45%		- 0		- 0	- 0	- 0
	Federal Unemployment Tax (FUTA)				0.80%	$ 7,000	- 0		- 0	- 0	- 0
	State Unemployment Tax (SUTA)				2.70%	$ 7,000	- 0		- 0	- 0	- 0
	Employee Pension Programs				0.00%		- 0		- 0	- 0	- 0
	Worker's Compensation				0.00%		- 0		- 0	- 0	- 0
	Employee Health Insurance				0.00%		- 0		- 0	- 0	- 0
	Other Employee Benefit Programs				0.00%		- 0		- 0	- 0	- 0
Total Payroll Taxes and Benefits							- 0	0%	- 0	- 0	- 0	0%	0%	0%	0%
Total Salaries and Related Expenses							- 0		- 0	- 0	- 0

3. Fixed Operating Expenses

0								4-Jan-21
Fixed Operating Expenses
Fixed Operating Expenses			Monthly	Year One	Year Two	Year Three	Notes
Percent Change					3.00%	3.00%
Expenses
	Advertising			- 0	- 0	- 0
	Auto expenses			- 0	- 0	- 0
	Telephone/Internet			- 0	- 0	- 0
	Insurance (Liability and Property)			- 0	- 0	- 0
	Legal and Professional Fees			- 0	- 0	- 0
	Merchant Fees (Credit Card and Bank Charges)			- 0	- 0	- 0
	Office expense			- 0	- 0	- 0
	Payroll Expense			- 0	- 0	- 0
	Rent/Lease			- 0	- 0	- 0
	Repair/Maintenance			- 0	- 0	- 0
	Shipping and Delivery			- 0	- 0	- 0
	Taxes			- 0	- 0	- 0
	Travel			- 0	- 0	- 0
	Utilities			- 0	- 0	- 0
	Personnel expenses (Training, etc.)			- 0	- 0	- 0
	Miscellaneous			- 0	- 0	- 0
	IT Call center Services			- 0	- 0	- 0
	Customer Service Call center			- 0	- 0	- 0
	Business Coach			- 0	- 0	- 0
				- 0	- 0	- 0
Total Expenses			- 0	- 0	- 0	- 0
Other Expenses
	Depreciation		- 0	- 0	- 0	- 0
	Interest
		Commercial Loan	- 0	- 0	- 0	- 0
		Commercial Mortgage	- 0	- 0	- 0	- 0
		Line of Credit	- 0	- 0	- 0	- 0
Total Other Expenses			- 0	- 0	- 0	- 0
Total Fixed Operating Expenses			- 0	- 0	- 0	- 0

4. Projected Sales Forecast

0																	4-Jan-21
Projected Sales Forecast
Products and Services			Assumptions	%	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
Product/Service A
	Price Per Unit			100.00%
	Variable Cost Per Unit			0.00%
	Gross Margin Per Unit		$ - 0	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			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Year Two Growth	0.00%		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Year Three Growth	0.00%		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Fixed Expense Allocation		81.00%
	Projected Revenue		$ - 0
	Variable Costs		- 0
	Gross Margin		- 0
	Fixed Expenses		- 0
	Profit		- 0	0.00%
	Breakeven Sales Revenue		$ - 0
	Breakeven Sales Units		- 0					.								- 0
Product/Service B
	Price Per Unit			100.00%
	Variable Cost Per Unit			0.00%
	Gross Margin Per Unit		$ - 0	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			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Year Two Growth			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Year Three Growth			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Fixed Expense Allocation		15.00%
	Projected Revenue		$ - 0
	Variable Costs		- 0
	Gross Margin		- 0
	Fixed Expenses		- 0
	Profit		- 0	0.00%
	Breakeven Sales Revenue		$ - 0
	Breakeven Sales Units		- 0

5. Projected Sales Forecast (2)

0																	4-Jan-21
Projected Sales Forecast - Page 2
Products and Services			Assumptions	%	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
Product/Service C
	Price Per Unit			100.00%
	Variable Cost Per Unit			0.00%
	Gross Margin Per Unit		$ - 0	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			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Year Two Growth			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Year Three Growth			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Fixed Expense Allocation		5.00%
	Projected Revenue		$ - 0
	Variable Costs		- 0
	Gross Margin		- 0
	Fixed Expenses		- 0
	Profit		- 0	0.00%
	Breakeven Sales Revenue		$ - 0
	Breakeven Sales Units		- 0
Product/Service D
	Price Per Unit		$ - 0	100.00%
	Variable Cost Per Unit		$ - 0	0.00%
	Gross Margin Per Unit		$ - 0	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			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Year Two Growth	10.00%		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Year Three Growth	10.00%		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Fixed Expense Allocation		0.00%
	Projected Revenue		$ - 0
	Variable Costs		- 0
	Gross Margin		- 0
	Fixed Expenses		- 0
	Profit		- 0	0.00%
	Breakeven Sales Revenue		$ - 0
	Breakeven Sales Units		- 0

6. Cash Receipts-Disbursements

0						4-Jan-21
Cash Receipts and Disbursements
Accounts Receivable Collections
	Percent of Collections
		0 to 30 days	75.00%
		31 to 60 days	25.00%
		More than 60 days	0.00%
	Total Collections Percentage		100.00%
Accounts Payable Disbursements
	Number 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 Assumptions
	Desired Minimum Cash Balance
	Line of Credit Interest Rate		9.00%
Income Tax Assumptions
	Effective Income Tax Rate		0.00%
				- 0	- 0
Amortization of Start-Up Expenses				- 0	- 0
	Amortization Period in Years		3.00		- 0

7. Beginning Balance Sheet

0
Balance Sheet (For Existing Businesses Only)
DO NOT USE THIS PAGE FOR ANY DATA ENTRY
The opening balance sheet is now shown on the "start-up" page inputs, so this page is unnecessary.
			12/31/06	%
Assets
	Current Assets
		Cash	- 0
		Accounts Receivable	- 0
		Inventory	- 0
		Prepaid Expenses	- 0
		Other Current	- 0
	Total Current Assets		- 0
	Fixed Assets
		Real Estate	- 0
		Buildings	- 0
		Leasehold Improvements	- 0
		Equipment	- 0
		Furniture and Fixtures	- 0
		Vehicles	- 0
		Other Fixed Assets	- 0
	Total Fixed Assets		- 0
	Less: Accumulated Depreciation		- 0
Total Assets			- 0
Liabilities and Owner's Equity
	Liabilities
		Accounts Payable	- 0
		Notes Payable	- 0
		Mortgage Payable	- 0
		Line of Credit Balance	- 0
	Total Liabilities		- 0
	Owner's Equity
		Common Stock	- 0
		Retained Earnings	- 0
		Dividends Dispersed	- 0
	Total Owner's Equity		- 0
Total Liabilities and Owner's Equity			- 0
			Statement Balances

8. Income Statement

0
Projected Income Statement - Year One
			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
Income
	Product/Service A		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	0%
	Product/Service B		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	0%
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	0%
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Income			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cost of Sales
	Product/Service A		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Product/Service B		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Cost of Sales			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Gross Margin			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Salaries and Wages
	Owner's Compensation		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Office manager		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Managers		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Assistants		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Independent Contractors		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Payroll Taxes and Benefits		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Salary and Wages			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Fixed Business Expenses
	Advertising		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Auto expenses		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Telephone/Internet		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Insurance (Liability and Property)		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Legal and Professional Fees		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Merchant Fees (Credit Card and Bank Charges)		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Office expense		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Payroll Expense		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Rent/Lease		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Repair/Maintenance		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Shipping and Delivery		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Taxes		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Travel		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Utilities		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Personnel expenses (Training, etc.)		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Miscellaneous		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	IT Call center Services		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Customer Service Call center		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Business Coach		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Fixed Business Expenses			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Other Expenses
	Amortized Start-up Expenses		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Depreciation		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Interest
		Commercial Loan	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Commercial Mortgage	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Line of Credit	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Taxes		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Other Expenses			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Net Income			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0

9. Cash Flow Statement

0
Projected Cash Flow Statement - Year One
			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
Beginning Cash Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cash Inflows
	Income from Sales		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Accounts Receivable		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Cash Inflows			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cash Outflows
	Investing Activities
		New Capital Purchases	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Inventory Purchases	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Cost of Sales	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Operating Activities
		Salaries and Wages	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Fixed Business Expenses	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Taxes	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Financing Activities														- 0
		Loan Payments	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Line of Credit Interest	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Line of Credit Repayments	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Dividends Paid	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Cash Outflows			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cash Flow			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Operating Cash Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Line of Credit Drawdowns			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Ending Cash Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Line of Credit Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0

10. Balance Sheet

0
Balance Sheet - Year One
			Base Period	End of Year One
Assets
	Current Assets
		Cash	- 0	- 0
		Accounts Receivable	- 0	- 0
		Inventory	- 0	- 0
		Prepaid Expenses	- 0	- 0
		Other Current	- 0	- 0
	Total Current Assets		- 0	- 0
	Fixed Assets
		Real Estate	- 0	- 0
		Buildings	- 0	- 0
		Leasehold Improvements	- 0	- 0
		Equipment	- 0	- 0
		Furniture and Fixtures	- 0	- 0
		Vehicles	- 0	- 0
		Other Fixed Assets	- 0	- 0
	Total Fixed Assets		- 0	- 0
	Less: Accumulated Depreciation		- 0	- 0
Total Assets			- 0	- 0
Liabilities and Owner's Equity
	Liabilities
		Accounts Payable	- 0	- 0
		Notes Payable	- 0	- 0
		Mortgage Payable	- 0	- 0
		Line of Credit Balance	- 0	- 0
	Total Liabilities		- 0	- 0
	Owner's Equity
		Common Stock	- 0	- 0
		Retained Earnings	- 0	- 0
		Dividends Dispersed	- 0	- 0
	Total Owner's Equity		- 0	- 0
Total Liabilities and Owner's Equity			- 0	- 0
			Statement Balances	Statement Balances

11. Year End Summary

0
Year End Summary
			Year One	%	Year Two	%	Year Three	%
Income
	Product/Service A		- 0		- 0		- 0
	Product/Service B		- 0		- 0		- 0
	0		- 0		- 0		- 0
	0		- 0		- 0		- 0
Total Income			- 0	100.00%	- 0	100.00%	- 0	100.00%
Cost of Sales
	Product/Service A		- 0		- 0		- 0
	Product/Service B		- 0		- 0		- 0
	0		- 0		- 0		- 0
	0		- 0		- 0		- 0
Total Cost of Sales			- 0	0.00%	- 0	0.00%	- 0	0.00%
Gross Margin			- 0	0.00%	- 0	0.00%	- 0	0.00%
Salaries and Wages
	Owner's Compensation		- 0		- 0		- 0
	Office manager		- 0		- 0		- 0
	Managers		- 0		- 0		- 0
	Assistants		- 0		- 0		- 0
	Independent Contractors		- 0		- 0		- 0
	Payroll Taxes and Benefits		- 0		- 0		- 0
Total Salary and Wages			- 0	0.00%	- 0	0.00%	- 0	0.00%
Fixed Business Expenses
	Advertising		- 0		- 0		- 0
	Auto expenses		- 0		- 0		- 0
	Telephone/Internet		- 0		- 0		- 0
	Insurance (Liability and Property)		- 0		- 0		- 0
	Legal and Professional Fees		- 0		- 0		- 0
	Merchant Fees (Credit Card and Bank Charges)		- 0		- 0		- 0
	Office expense		- 0		- 0		- 0
	Payroll Expense		- 0		- 0		- 0
	Rent/Lease		- 0		- 0		- 0
	Repair/Maintenance		- 0		- 0		- 0
	Shipping and Delivery		- 0		- 0		- 0
	Taxes		- 0		- 0		- 0
	Travel		- 0		- 0		- 0
	Utilities		- 0		- 0		- 0
	Personnel expenses (Training, etc.)		- 0		- 0		- 0
	Miscellaneous		- 0		- 0		- 0
	IT Call center Services		- 0		- 0		- 0
	Customer Service Call center		- 0		- 0		- 0
	Business Coach		- 0		- 0		- 0
	0		- 0		- 0		- 0
Total Fixed Business Expenses			- 0	0.00%	- 0	0.00%	- 0	0.00%
Other Expenses
	Amortized Start-up Expenses		- 0		- 0		- 0
	Depreciation		- 0		- 0		- 0
	Interest
		Commercial Loan	- 0		- 0		- 0
		Commercial Mortgage	- 0		- 0		- 0
		Line of Credit	- 0		- 0		- 0
	Taxes		- 0		- 0		- 0
Total Other Expenses			- 0	0.00%	- 0	0.00%	- 0	0.00%
Net Income			- 0	0.00%	- 0	0.00%	- 0	0.00%

12. Income Statement (2)

0
Projected Income Statement - Year Two
			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
Income
	Product/Service A		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Product/Service B		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Income			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cost of Sales
	Product/Service A		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Product/Service B		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Cost of Sales			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Gross Margin			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Salaries and Wages
	Owner's Compensation		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Office manager		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Managers		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Assistants		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Independent Contractors		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Payroll Taxes and Benefits		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Salary and Wages			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Fixed Business Expenses
	Advertising		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Auto expenses		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Telephone/Internet		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Insurance (Liability and Property)		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Legal and Professional Fees		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Merchant Fees (Credit Card and Bank Charges)		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Office expense		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Payroll Expense		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Rent/Lease		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Repair/Maintenance		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Shipping and Delivery		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Taxes		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Travel		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Utilities		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Personnel expenses (Training, etc.)		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Miscellaneous		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	IT Call center Services		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Customer Service Call center		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Business Coach		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Fixed Business Expenses			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Other Expenses
	Amortized Start-up Expenses		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Depreciation		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Interest
		Commercial Loan	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Commercial Mortgage	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Line of Credit	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Taxes		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Other Expenses			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Net Income			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0

13. Cash Flow Statement (2)

0
Projected Cash Flow Statement - Year Two
			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
Beginning Cash Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cash Inflows
	Income from Sales		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Accounts Receivable		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Cash Inflows			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cash Outflows
	Investing Activities
		New Capital Purchases	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Inventory Purchases	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Cost of Sales	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Operating Activities
		Salaries and Wages	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Fixed Business Expenses	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Taxes	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Financing Activities														- 0
		Loan Payments	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Line of Credit Interest	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Line of Credit Repayments	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Dividends Paid	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Cash Outflows			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cash Flow			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Operating Cash Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Line of Credit Drawdowns			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Ending Cash Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Line of Credit Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0

14. Balance Sheet (2)

0
Balance Sheet - Year Two
			End of Year One	End of Year Two
Assets
	Current Assets
		Cash	- 0	- 0
		Accounts Receivable	- 0	- 0
		Inventory	- 0	- 0
		Prepaid Expenses	- 0	- 0
		Other Current	- 0	- 0
	Total Current Assets		- 0	- 0
	Fixed Assets
		Real Estate	- 0	- 0
		Buildings	- 0	- 0
		Leasehold Improvements	- 0	- 0
		Equipment	- 0	- 0
		Furniture and Fixtures	- 0	- 0
		Vehicles	- 0	- 0
		Other Fixed Assets	- 0	- 0
	Total Fixed Assets		- 0	- 0
	Less: Accumulated Depreciation		- 0	- 0
Total Assets			- 0	- 0
Liabilities and Owner's Equity
	Liabilities
		Accounts Payable	- 0	- 0
		Notes Payable	- 0	- 0
		Mortgage Payable	- 0	- 0
		Line of Credit Balance	- 0	- 0
	Total Liabilities		- 0	- 0
	Owner's Equity
		Common Stock	- 0	- 0
		Retained Earnings	- 0	- 0
		Dividends Dispersed	- 0	- 0
	Total Owner's Equity		- 0	- 0
Total Liabilities and Owner's Equity			- 0	- 0
			Statement Balances	Statement Balances

15. Income Statement (3)

0
Projected Income Statement - Year Three
			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
Income
	Product/Service A		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Product/Service B		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Income			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cost of Sales
	Product/Service A		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Product/Service B		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Cost of Sales			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Gross Margin			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Salaries and Wages
	Owner's Compensation		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Office manager		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Managers		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Assistants		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Independent Contractors		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Payroll Taxes and Benefits		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Salary and Wages			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Fixed Business Expenses
	Advertising		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Auto expenses		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Telephone/Internet		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Insurance (Liability and Property)		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Legal and Professional Fees		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Merchant Fees (Credit Card and Bank Charges)		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Office expense		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Payroll Expense		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Rent/Lease		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Repair/Maintenance		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Shipping and Delivery		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Taxes		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Travel		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Utilities		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Personnel expenses (Training, etc.)		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Miscellaneous		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	IT Call center Services		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Customer Service Call center		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Business Coach		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	0		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Fixed Business Expenses			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Other Expenses
	Amortized Start-up Expenses		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Depreciation		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Interest
		Commercial Loan	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Commercial Mortgage	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Line of Credit	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Taxes		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Other Expenses			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Net Income			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0

16. Cash Flow Statement (3)

0
Projected Cash Flow Statement - Year Three
			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
Beginning Cash Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cash Inflows
	Income from Sales		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Accounts Receivable		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Cash Inflows			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cash Outflows
	Investing Activities
		New Capital Purchases	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Inventory Purchases	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Cost of Sales	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Operating Activities
		Salaries and Wages	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Fixed Business Expenses	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Taxes	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Financing Activities														- 0
		Loan Payments	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Line of Credit Interest	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Line of Credit Repayments	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Dividends Paid	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total Cash Outflows			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Cash Flow			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Operating Cash Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Line of Credit Drawdowns			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Ending Cash Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Line of Credit Balance			- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0

17. Balance Sheet (3)

0
Balance Sheet - Year Three
			End of Year Two	End of Year Three
Assets
	Current Assets
		Cash	- 0	- 0
		Accounts Receivable	- 0	- 0
		Inventory	- 0	- 0
		Prepaid Expenses	- 0	- 0
		Other Current	- 0	- 0
	Total Current Assets		- 0	- 0
	Fixed Assets
		Real Estate	- 0	- 0
		Buildings	- 0	- 0
		Leasehold Improvements	- 0	- 0
		Equipment	- 0	- 0
		Furniture and Fixtures	- 0	- 0
		Vehicles	- 0	- 0
		Other Fixed Assets	- 0	- 0
	Total Fixed Assets		- 0	- 0
	Less: Accumulated Depreciation		- 0	- 0
Total Assets			- 0	- 0
Liabilities and Owner's Equity
	Liabilities
		Accounts Payable	- 0	- 0
		Notes Payable	- 0	- 0
		Mortgage Payable	- 0	- 0
		Line of Credit Balance	- 0	- 0
	Total Liabilities		- 0	- 0
	Owner's Equity
		Common Stock	- 0	- 0
		Retained Earnings	- 0	- 0
		Dividends Dispersed	- 0	- 0
	Total Owner's Equity		- 0	- 0
Total Liabilities and Owner's Equity			- 0	- 0	- 0
			Statement Balances	Statement Balances

18. Financial Ratios

0
Financial Ratios
Ratio			Year One	Year Two	Year Three	RMA Industry Norms
	Liquidity
		Current Ratio	- 0	- 0	- 0
		Quick Ratio	- 0	- 0	- 0
	Safety
		Debt to Equity Ratio	- 0	- 0	- 0
		Debt to Coverage Ratio	- 0	- 0	- 0
	Profitability
		Sales Growth	- 0	- 0	- 0
		COGS to Sales	- 0	- 0	- 0
		Gross Profit Margin	- 0	- 0	- 0
		SG&A to Sales	- 0	- 0	- 0
		Net Profit Margin	- 0	- 0	- 0
		Return on Equity	- 0	- 0	- 0
		Return on Assets	- 0	- 0	- 0
		Owner's Compensation to Sales	- 0	- 0	- 0
	Efficiency
		Days in Receivables	- 0	- 0	- 0
		Accounts Receivable Turnover	- 0	- 0	- 0
		Days in Inventory	- 0	- 0	- 0
		Inventory Turnover	- 0	- 0	- 0
		Sales to Total Assets	- 0	- 0	- 0

An indication of a company's ability to meet short-term debt obligations.

The ratio between all assets quickly convertible into cash and current liabilities. Measures a company's liquidity. Also called acid-test ratio.

This ratio expresses the relationship between capital contributed by creditors and that contributed by owners.

This ratio indicates how well your cash flow covers debt and the capability of the business to take on additional debt.

This ratio calculates the percentage of increase (or decrease) in sales between the current year and the previous year.

The percentage of sales used to pay for the COGS (expenses which directly vary with sales) is expressed in this ratio.

This ratio indicates how much profit is earned on your products without consideration of indirect costs, selling and administration costs.

This ratio measures the percentage of selling, general and administrative costs to your amount of sales.

Net profit margin shows how much profit comes from every dollar of sales.

Return on equity determines the rate of return on your investment in the business. As an owner or shareholder this is one of the most important ratios as it shows the hard fact about the business - are you making enough of a profit to compensate you for the risk of being in business?

This ratio measures how effectively assets are used to generate a return.

This ratio measures the owner's compensation as a percentage of sales.

Days in receivable calculates the average number of days it takes to collect your account receivable (number of days of sales in receivables).

This ratio tells you the number of times accounts receivable turnover during the year.

This ratio shows the average number of days it will take to sell your inventory.

This ratio calculates the number of times inventory is turned over (or sold) during the year.

This ratio indicates how efficiently your business generates sales on every dollar of assets.

19. Breakeven Analysis

0
Breakeven Analysis
Breakeven Analysis		Dollars	Percent
	Annual Sales Revenue	$ - 0	100.00%
	Cost of Sales	- 0	0.00%
	Gross Margin	- 0	0.00%
	Salaries and Wages	- 0
	Fixed Operating Expenses	- 0
	Total Fixed Business Expenses	- 0
	Breakeven Sales Calculation	- 0
		0.00%
	Breakeven Sales in Dollars	$ - 0

20. Amoritization Schedule

0
Amortization Schedule
Loan Type			Assumptions	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
Commercial Loan
	Principal Amount		$ - 0
	Interest Rate		9.00%
	Loan Term in Months		72.00
	Monthly Payment Amount		$0.00
	Year One
		Interest		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Principal		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Loan Balance		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Year Two
		Interest		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Principal		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Loan Balance		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Year Three
		Interest		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Principal		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Loan Balance		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Commercial Mortgage
	Principal Amount		$ - 0
	Interest Rate		9.00%
	Loan Term in Months		240.00
	Monthly Payment Amount		$0.00
	Year One
		Interest		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Principal		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Loan Balance		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Year Two
		Interest		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Principal		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Loan Balance		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
	Year Three
		Interest		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Principal		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
		Loan Balance		- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0

21. Financial Diagnostics

0
Financial 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	Findings
	General Financing Assumptions
		Owner's Cash Injection into the Business	0.00%	Owner's injection might be too low in relation to the amount of money needed
		Cash Request as percent of Total Required Funds	0.00%	Cash request seems reasonable with respect to total request
	Loan Assumptions
		Commercial Loan Interest rate	9.00%	Interest rate seems reasonable
		Commercial Loan Term in Months	72	Loan term seems within range for this type of loan
		Commercial Mortgage Interest rate	9.00%	Interest rate seems reasonable
		Commercial Mortgage Term in Months	240.00	Loan term seems within range for this type of loan
		Loan Payments as a Percent of Projected Sales	0.00%	Calculated loan payments as a percent of sales seem resonable
	Income Statement
		Gross Margin as a Percent of Sales	0.00%	Gross margin percentage seems very low
		Owner's Compensation Lower Limit Check	$ - 0	An owner's compensation amount has not been established
		Owner's Compensation Upper Limit Check	0.00%	Owner's compensation seems reasonable
		Advertising Expense Levels as a Percent of Sales	0.00%	Advertising as a percent of sales may be too low
		Profitability Levels	$ - 0	The business is showing a profit
		Profitability as a Percent of Sales	0.00%	The projection does not seem highly unreasonable
	Cash Flow Statement
		Desired Operating cash Flow Levels	$ - 0	The financial projection provides the desired level of cash flow
		Line of Credit Drawdowns	$ - 0	The business doesn't seem to require a line of credit
		Accounts Receivable Ratio to Sales	0.00%	Accounts receivable amount as a percent of sales seems reasonable
	Balance Sheet
		Does the Base Period Balance Sheet Balance?	- 0	The balance sheet does balance
		Does the Final Balance Sheet Balance	- 0	The balance sheet does balance
		Debt to Equity Ratio	0.00%	The debt to equity ratio seems reasonable
	Breakeven Analysis
		Breakeven Levels	$ - 0	The sales projection is less than the break-even amount