str/581 week 6

new_startup_assessment.xlsm

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START UP( 1)

START-UP ASSESSMENT
Start-Up: Sources and Expenses
Company Name
SOURCES OF CAPITAL
Owners' Investment (name and percent ownership)
Owners - 100%	0
Investor 1	0		SALES AND PURCHASES- CASH AND CREDIT	SALES	PURCHASES
Investor 2	0		% OF CASH TRANSACTIONS	0.00%	0.00%
Other investor	0		% OF COLLECTIONS/PAYMENTS 1-30 DAYS	0.00%	0.00%
Total Investment	0 Microsoft: Totals are calculated automatically.		% OF COLLECTIONS/PAYMENTS 31-60 DAYS	0.00%	0.00%
			% OF COLLECTIONS/PAYMENTS 61-90 DAYS	0.00%	0.00%
Investor Loans			Total ( The total should be 100%)	0.00%	0.00%
Investor 1	0
Investor 2	0
Investor 3	0		BANK LOAN (key in loan details below)	$0
Investor 4	0		INTEREST RATE- ANNUAL ( %)	0.00%
Total Bank Loans	0		NUMBER OF YEARS FOR REPAYMENT	0
			START DATE FOR REPAYMENT(MM/DD/YYYY FORMAT)	6/1/2011
Other Loans
Source 1
Source 2	0
Total Other Loans	0
TOTAL FUNDS AVAILABLE	0
START-UP ASSESSMENT
Start-Up: Sources and Expenses
STARTUP EXPENSES
CAPITAL EXPENSES( BALANCE-SHEET)
Buildings/Real Estate
Purchase Land	0
Construction	0
Engineering	0
Civil	0
Total Buildings/Real Estate	0
Leasehold Improvements Microsoft: Remodeling expenses for leased premises.
Other long-term asset	0
Item 2	0
Item 3	0
Item 4	0
Total Leasehold Improvements	0
			DEPRECIATION- STRAIGHT LINE METHOD	Capital Expense	# of Years	Depre. pm
Capital Equipment List
Computers	0		Building/Real estate/Leasehold impro(excl. Land)	0	39.5	0
Office Equipment	0
Software	0		Furniture/Fixtures/Equipments/Other Fixed Expenses	0	7	0
Other 2
Total Capital Equipment	0
				Depreciation pm		0
TOTAL CAPITAL EXPENSES	0
GENERAL EXPENSES
Location and Admin Expenses
Rental deposits	0
Utility deposits	0
Legal and accounting fees	0
Prepaid insurance	0
Pre-opening salaries	0
WebSite Development	0
Total Location and Admin Expenses	0
Advertising and Promotional Expenses
Advertising	0
Crawlers	0
Printing - Bus. Cards, Ltr Head	0
Mailing List
Total Advertising/Promotional Expenses	0
Licenses
Business Licenses	0
Other Licenses	0
Total Licenses	0
Opening Inventory
Stulff	0
Stuff	0
Stuff	0
Stuff	0
Stuff
Total Inventory	0
Total general expenses	0
Reserve for Contingencies	0
Working Capital Microsoft: The difference between all sources and uses of funds is shown as working capital.	0
Total Uses of Funds	0
START-UP ASSESSMENT
Start-Up: Sources and Expenses
SUMMARY STATEMENT
Sources of Capital
Owners' and other investments	0
Bank loans	0
Other loans	0
Total Source of Funds	0
Startup Expenses
Buildings/real estate	0
Leasehold improvements	0
Capital equipment	0
Location/administration expenses	0
Advertising/promotional expenses	0
Licenses	0
Opening inventory	0
Contingency fund	0
Working capital	0
Total Startup Expenses	0
SECURITY AND COLLATERAL FOR LOAN PROPOSAL
Collateral for Loans	Value Microsoft: Lower of cost or market value.	Microsoft: Remodeling expenses for leased premises.	Microsoft: The difference between all sources and uses of funds is shown as working capital.	Microsoft: Totals are calculated automatically.		Description
Real estate	0
Other collateral	0
Other collateral	0
Other collateral	0
Owners
Owner #1
Other owner
Other owner
Loan Guarantors (other than owners)
Loan guarantor 1
Loan guarantor 2
Loan guarantor 3

START UP(2)

		START-UP ASSESSMENT
COMPANY NAME:			REVENUE/EXPENSES INPUT SHEET
		YEAR 1 MONTH 1	ENTER GROWTH% BELOW FOR THE EACH OF THE PRODUCTS.
Revenue	XXX	DATA BELOW	Year1	Year2	Year3	Year4	Year5
Products	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Products	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Products	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Products	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
TOTAL REVENUE	XXX	0	XXX	XXX	XXX	XXX	XXX
Cost of Goods Sold:	XXX	XXX	ENTER COGS % BELOW FOR EACH OF THE 5 YEARS
Products	XXX	XXX	0.00%	0.00%	0.00%	0.00%	0.00%
Products	XXX	XXX	0.00%	0.00%	0.00%	0.00%	0.00%
Products	XXX	XXX	0.00%	0.00%	0.00%	0.00%	0.00%
Products	XXX	XXX	0.00%	0.00%	0.00%	0.00%	0.00%
TOTAL COST OF GOODS	XXX	XXX	XXX	XXX	XXX	XXX	XXX
Operating Expenses	Enter Year1Month1 figure & growth rates below. Advt,Salary & Taxes are linked to Revenue.Key in % in Column B
Accounting & Legal	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Advertising & Promotions	0.00%	0	0.00%	0.00%	0.00%	0.00%	0.00%
Auto Expenses	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Bank Charges	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Credit Card Fees	0.00%	0	0.00%	0.00%	0.00%	0.00%	0.00%
Freight	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Dues & Subscriptions	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Entertainment	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Insurance	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Licenses & Fees	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Office Expense	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Network Costs	0.00%	0	0.00%	0.00%	0.00%	0.00%	0.00%
Employee Salary	0.00%	0	0.00%	0.00%	0.00%	0.00%	0.00%
Payroll Taxes 15%	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Rent	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Cam Charges	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Rent	3.00%	0	0.00%	0.00%	0.00%	0.00%	0.00%
Telephone	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Training & Education	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Travel	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Utilities	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Supplies	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Depreciation	XXX	0	XXX	XXX	XXX	XXX	XXX
Other	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%
Other	XXX	0	0.00%	0.00%	0.00%	0.00%	0.00%

Balance Sheet(0)

		START-UP ASSESSMENT

		Balance Sheet
		Year 0/ Opening	Jun-11

Assets
Current Assets:
Cash			$0
Accounts Receivable		$0
Less:	Reserve for Bad Debts	0	0
Inventory			0
Prepaid Expenses
	Total Current Assets			$0

Fixed Assets:
Building			0
Furniture and Fixtures			0
Equipments			0
Other Fixed Assets			0
Total Fixed Assets			0
Less:	Accumulated Depreciation		0
	Total Fixed Assets			0

Other Assets:
Deposits,Licenses & Contingency Fund			0
	Total Other Assets			0

Total Assets				$0
Liabilities and Capital
Current Liabilities:
Accounts Payable			$0
Sales Taxes Payable			0
Payroll Taxes Payable			0
Accrued Wages Payable			0
Current Portion of Bank Loans			0
	Total Current Liabilities			$0

Long-Term Liabilities:
Other Long Term Borrowings			0
Bank Loan( excluding Current Portion)			0
	Total Long-Term Liabilities			0
Total Liabilities				0


Capital:
Owner's Equity			0
Paid In Capital			0
Drawing Account			0
Net Profit/Net Loss			0
Total Capital				0

Total Liabilities and Capital				$0

INCOME STMT

Company Name							START-UP ASSESSMENT															START-UP ASSESSMENT															START-UP ASSESSMENT															START-UP ASSESSMENT															START-UP ASSESSMENT
							Projected Income Statement															Projected Income Statement															Projected Income Statement															Projected Income Statement															Projected Income Statement
	Year 1	Year 1	Year 1	Year 1	Year 1	Year 1	Year 1	Year 1	Year 1	Year 1	Year 1	Year 1	Year 1	Year 1	Year 1	Year 2	Year 2	Year 2	Year 2	Year 2	Year 2	Year 2	Year 2	Year 2	Year 2	Year 2	Year 2	Year 2	Year 2	Year 2	Year 3	Year 3	Year 3	Year 3	Year 3	Year 3	Year 3	Year 3	Year 3	Year 3	Year 3	Year 3	Year 3	Year 3	Year 3	Year 4	Year 4	Year 4	Year 4	Year 4	Year 4	Year 4	Year 4	Year 4	Year 4	Year 4	Year 4	Year 4	Year 4	Year 4	Year 5	Year 5	Year 5	Year 5	Year 5	Year 5	Year 5	Year 5	Year 5	Year 5	Year 5	Year 5	Year 5	Year 5	Year 5
	%of Growth	MONTH 1	MONTH 2	MONTH 3	MONTH 4	MONTH 5	MONTH 6	MONTH 7	MONTH 8	MONTH 9	MONTH 10	MONTH 11	MONTH 12	TOTAL		%of Growth	MONTH 1	MONTH 2	MONTH 3	MONTH 4	MONTH 5	MONTH 6	MONTH 7	MONTH 8	MONTH 9	MONTH 10	MONTH 11	MONTH 12	TOTAL		%of Growth	MONTH 1	MONTH 2	MONTH 3	MONTH 4	MONTH 5	MONTH 6	MONTH 7	MONTH 8	MONTH 9	MONTH 10	MONTH 11	MONTH 12	TOTAL		%of Growth	MONTH 1	MONTH 2	MONTH 3	MONTH 4	MONTH 5	MONTH 6	MONTH 7	MONTH 8	MONTH 9	MONTH 10	MONTH 11	MONTH 12	TOTAL		%of Growth	MONTH 1	MONTH 2	MONTH 3	MONTH 4	MONTH 5	MONTH 6	MONTH 7	MONTH 8	MONTH 9	MONTH 10	MONTH 11	MONTH 12	TOTAL
	in first year															in second year															in third year															in fourth year															in fifth year
Revenue
Product 1	0.0%	- kamaths: kamaths: Once you enter the Revenue, the COGS,Advertising, Salary and Taxes appear as a function of Revenue.	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Product 2	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Product 3	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Other	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
TOTAL REVENUE		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Cost of Goods Sold:
Product 1	0.0%	- kamaths: kamaths: COGS is linked to the Revenue: It is a fixed Percentage of the Revenue from each Product.	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Product 2	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Product 3	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Other	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
TOTAL COST OF GOODS		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Gross Profit		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Operating Expenses
Accounting & Legal	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Advertising & Promotions	0.0%	- kamaths: kamaths: This item is linked to the Revenue.	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Auto Expenses	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Bank Charges	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Credit Card Fees	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Freight	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Dues & Subscriptions	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Entertainment	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Insurance	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Licenses & Fees	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Office Expense	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Owner Salary	0.0%	- kamaths: kamaths: These items are linked to the Revenue	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Employee Salary	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Payroll Taxes 15%	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Rent	0.0%	- kamaths: kamaths: You may provide for increase in Rent once a year. Key in the annual % increase in appro. column	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Repair & Maintenance	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Taxes	0.0%	- kamaths: kamaths: This item is linked to the Revenue.	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Telephone	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Training & Education	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Travel	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Utilities	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Operating Supplies	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Depreciation	XXX	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	-	ERROR:#DIV/0!	XXX	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	-	ERROR:#DIV/0!	XXX	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	-	ERROR:#DIV/0!	XXX	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	-	ERROR:#DIV/0!	XXX	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	- kamaths: kamaths: Depreciation is calculated on Straight Line method and picked up from Start-Up sheet.	-	ERROR:#DIV/0!
Other	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Other	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!	0.0%	-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
TOTAL EXPENSES		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
OPERATING PROFIT		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Less: Interest Expense (Loan)		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
NET PROFIT BEFORE TAX		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!		-	-	-	-	-	-	-	-	-	-	-	-	-	ERROR:#DIV/0!
Sales & Marketing		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!
General & Administrative		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!
TOTAL EXPENSES:( ROW 50)		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!		0	0	0	0	0	0	0	0	0	0	0	0	0	ERROR:#DIV/0!
BREAKEVEN ANALYSIS
=
DAYS OPEN PER / MO														0															0															0															0															0
TOTAL SALES ($)		0	0	0	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0
FIXED COST ($)		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	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0
DIRECT COSTS ($)		0	0	0	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0	0	0	0	0	0	0	0
CONTRIBUTION MARGIN (%)		0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%			0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%			0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%			0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%			0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
=
BREAKEVEN ($) (MONTH)		ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?			ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?			ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?			ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?			ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?
-
BREAKEVEN ($) (DAY)		ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?			ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?			ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?			ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?			ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?	ERROR:#NAME?
=

5 YEAR ANNUAL INCOME

START-UP ASSESSMENT

Projected 5 Years Income Statement

1st Year

2nd Year

3rd Year

4th Year

5th Year

Revenue

Product 1

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

Product 2

ERROR:#DIV/0!

Product 3

ERROR:#DIV/0!

Other

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

Cost of Goods Sold:

Product 1

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

Product 2

ERROR:#DIV/0!

Product 3

ERROR:#DIV/0!

Other

ERROR:#DIV/0!

Total Cost of Goods Sold

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

Gross Profit

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

OPERATING EXPENSES:

Accounting & Legal

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

Advertising & Promotions

ERROR:#DIV/0!

Auto Expenses

ERROR:#DIV/0!

Bank Charges

ERROR:#DIV/0!

Credit Card Fees

ERROR:#DIV/0!

Freight

ERROR:#DIV/0!

Dues & Subscriptions

ERROR:#DIV/0!

Entertainment

ERROR:#DIV/0!

Insurance

ERROR:#DIV/0!

Licenses & Fees

ERROR:#DIV/0!

Office Expense

ERROR:#DIV/0!

Owner Salary

ERROR:#DIV/0!

Employee Salary

ERROR:#DIV/0!

Payroll Taxes 15%

ERROR:#DIV/0!

Rent

ERROR:#DIV/0!

Repair & Maintenance

ERROR:#DIV/0!

Taxes

ERROR:#DIV/0!

Telephone

ERROR:#DIV/0!

Training & Education

ERROR:#DIV/0!

Travel

ERROR:#DIV/0!

Utilities

ERROR:#DIV/0!

Operating Supplies

ERROR:#DIV/0!

Depreciation

ERROR:#DIV/0!

Other

ERROR:#DIV/0!

Other

ERROR:#DIV/0!

TOTAL EXPENSES

$ -

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$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

OPERATING PROFIT

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

Less: Interest Expense (Loan)

ERROR:#DIV/0!

NET PROFIT

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

$ -

ERROR:#DIV/0!

CF Yr 1

						START-UP ASSESSMENT
Twelve-month cash flow						Company Name							Fiscal Year Begins:	Jun-11
	Pre-Startup EST	Jun-11	Jul-11	Aug-11	Sep-11	Oct-11	Nov-11	Dec-11	Jan-12	Feb-12	Mar-12	Apr-12	May-12	Total Item EST
Cash on Hand (beginning of month)	0	0	0	0	0	0	0	0	0	0	0	0	0	0
CASH RECEIPTS
Cash Sales	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Collections fm AR-30 Days	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Collections fm AR- 60 Days	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Collections fm AR-90 Days	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital/Loan/ other cash inj.	0	0	0	0	0	0	0	0	0	0	0	0	0	0
TOTAL CASH RECEIPTS	0 Microsoft: Totals are calculated automatically.	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Cash Available (before cash out)	0	0	0	0	0	0	0	0	0	0	0	0	0	0
CASH PAID OUT
Cash Purchases	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Payments to AP- 30 Days	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Payments to AP- 60 Days	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Payments to AP- 90 Days	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accounting & Legal	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Advertising & Promotions	0	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	0
Bank Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Credit Card Fees	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Freight	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Dues & Subscriptions	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Entertainment	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Insurance	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Licenses & Fees	0	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	0
Owner Salary	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Employee Salary	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Payroll Taxes 15%	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Rent	0	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	0
Taxes	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Telephone	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Training & Education	0	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	0
Utilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Supplies	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Expenses (Loan)	0	0	0	0	0	0	0	0	0	0	0	0	0	0
SUBTOTAL	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Loan principal payment	0	-	-	-	-	-	-	-	-	-	-	-	-	0
Capital purchase (specify)	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other startup costs	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Reserve and/or Escrow	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Owners' Withdrawal	0	0	0	0	0	0	0	0	0	0	0	0	0	0
TOTAL CASH PAID OUT	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash Position (end of month)	0	0	0	0	0	0	0	0	0	0	0	0	0	0
ESSENTIAL OPERATING DATA (non cash flow information)
Sales Volume (dollars)	0	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	0
Bad Debt (end of month)	0
Inventory on hand (eom)	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accounts Payable (eom)	0	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	0

Balance Sheet(1)

		START-UP ASSESSMENT

		Balance Sheet
		Year 1 Month 12	May-12

Assets
Current Assets:
Cash			$0
Accounts Receivable		$0
Less:	Reserve for Bad Debts	0	0
Inventory			0
Prepaid Expenses			0
	Total Current Assets			$0

Fixed Assets:
Building			0
Furniture and Fixtures			0
Equipments			0
Other Fixed Assets			0
Total Fixed Assets			0
Less:	Accumulated Depreciation		0
	Total Fixed Assets			0

Other Assets:
Deposits & Licenses			0
	Total Other Assets			0

Total Assets				$0
Liabilities and Capital
Current Liabilities:
Accounts Payable			$0
Sales Taxes Payable			0
Payroll Taxes Payable			0
Accrued Wages Payable			0
Current Portion of Bank Loans			0
	Total Current Liabilities			$0

Long-Term Liabilities:
Other Long Term Borrowings			0
Bank Loans( excluding Current Portion)			0
	Total Long-Term Liabilities			0
Total Liabilities				0


Capital:
Owner's Equity			0
Paid In Capital			0
Drawing Account			0
Net Profit			0
Total Capital				0

Total Liabilities and Capital				$0

CF Yr 2

					START-UP ASSESSMENT
Twelve-month cash flow					Company Name							Fiscal Year Begins:	Jun-12
	Jun-12	Jul-12	Aug-12	Sep-12	Oct-12	Nov-12	Dec-12	Jan-13	Feb-13	Mar-13	Apr-13	May-13	Total Item EST
Cash on Hand (beginning of month)	0	0	0	0	0	0	0	0	0	0	0	0	0
CASH RECEIPTS
Cash Sales	0	0	0	0	0	0	0	0	0	0	0	0	0
Collections fm AR -30 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Collections fm AR-60 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Collections fm AR-90 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Loan/ other cash inj.	0	0	0	0	0	0	0	0	0	0	0	0	0
TOTAL CASH RECEIPTS	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Cash Available (before cash out)	0	0	0	0	0	0	0	0	0	0	0	0	0
CASH PAID OUT
Cash Purchases	0	0	0	0	0	0	0	0	0	0	0	0	0
Payment to AP- 30 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Payment to AP- 60 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Payment to AP- 90 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Accounting & Legal	0	0	0	0	0	0	0	0	0	0	0	0	0
Advertising & Promotions	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
Bank Charges	0	0	0	0	0	0	0	0	0	0	0	0	0
Credit Card Fees	0	0	0	0	0	0	0	0	0	0	0	0	0
Freight	0	0	0	0	0	0	0	0	0	0	0	0	0
Dues & Subscriptions	0	0	0	0	0	0	0	0	0	0	0	0	0
Entertainment	0	0	0	0	0	0	0	0	0	0	0	0	0
Insurance	0	0	0	0	0	0	0	0	0	0	0	0	0
Licenses & Fees	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
Owner Salary	0	0	0	0	0	0	0	0	0	0	0	0	0
Employee Salary	0	0	0	0	0	0	0	0	0	0	0	0	0
Payroll Taxes 15%	0	0	0	0	0	0	0	0	0	0	0	0	0
Rent	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
Taxes	0	0	0	0	0	0	0	0	0	0	0	0	0
Telephone	0	0	0	0	0	0	0	0	0	0	0	0	0
Training & Education	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
Operating Supplies	0	0	0	0	0	0	0	0	0	0	0	0	0
Other	0	0	0	0	0	0	0	0	0	0	0	0	0
Other	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Expenses (Loan)	0	0	0	0	0	0	0	0	0	0	0	0	0
SUBTOTAL	0	0	0	0	0	0	0	0	0	0	0	0	0
Loan principal payment	-	-	-	-	-	-	-	-	-	-	-	-	0
Capital purchase (specify)	0	0	0	0	0	0	0	0	0	0	0	0	0
Other startup costs	0	0	0	0	0	0	0	0	0	0	0	0	0
Reserve and/or Escrow	0	0	0	0	0	0	0	0	0	0	0	0	0
Owners' Withdrawal	0	0	0	0	0	0	0	0	0	0	0	0	0
TOTAL CASH PAID OUT	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash Position (end of month)	0	0	0	0	0	0	0	0	0	0	0	0	0
ESSENTIAL OPERATING DATA (non cash flow information)
Sales Volume (dollars)	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
Bad Debt (end of month)
Inventory on hand (eom)	0	0	0	0	0	0	0	0	0	0	0	0	0
Accounts Payable (eom)	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

Balance Sheet(2)

		START-UP ASSESSMENT

		Balance Sheet
		Year 2 Month 12	May-13

Assets
Current Assets:
Cash			$0
Accounts Receivable		$0
Less:	Reserve for Bad Debts	0	0
Inventory			0
Prepaid Expenses			0
	Total Current Assets			$0

Fixed Assets:
Building			0
Furniture and Fixtures			0
Equipments			0
Other Fixed Assets			0
Total Fixed Assets			0
Less:	Accumulated Depreciation		0
	Total Fixed Assets			0

Other Assets:
Deposits & Licenses			0
	Total Other Assets			0

Total Assets				$0
Liabilities and Capital
Current Liabilities:
Accounts Payable			$0
Sales Taxes Payable			0
Payroll Taxes Payable			0
Accrued Wages Payable			0
Current Portion of Bank Loans			0
	Total Current Liabilities			$0

Long-Term Liabilities:
Other Long Term Borrowings			0
Bank Loans( excluding Current Portion)			0
	Total Long-Term Liabilities			0
Total Liabilities				0


Capital:
Owner's Equity			0
Paid In Capital			0
Drawing Account			0
Net Profit			0
Total Capital				0

Total Liabilities and Capital				$0

CF Yr 3

					START-UP ASSESSMENT
Twelve-month cash flow					Company Name							Fiscal Year Begins:	Jun-13
	Jun-13	Jul-13	Aug-13	Sep-13	Oct-13	Nov-13	Dec-13	Jan-14	Feb-14	Mar-14	Apr-14	May-14	Total Item EST
Cash on Hand (beginning of month)	0	0	0	0	0	0	0	0	0	0	0	0	0
CASH RECEIPTS
Cash Sales	0	0	0	0	0	0	0	0	0	0	0	0	0
Collections from AR- 30 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Collections from AR- 60 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Collections from AR- 90 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Loan/ other cash inj.													0
TOTAL CASH RECEIPTS	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Cash Available (before cash out)	0	0	0	0	0	0	0	0	0	0	0	0	0
CASH PAID OUT
Cash Purchases	0	0	0	0	0	0	0	0	0	0	0	0	0
Payment to AP- 30 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Payment to AP- 60 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Payment to AP- 90 Days	0	0	0	0	0	0	0	0	0	0	0	0	0
Accounting & Legal	0	0	0	0	0	0	0	0	0	0	0	0	0
Advertising & Promotions	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
Bank Charges	0	0	0	0	0	0	0	0	0	0	0	0	0
Credit Card Fees	0	0	0	0	0	0	0	0	0	0	0	0	0
Freight	0	0	0	0	0	0	0	0	0	0	0	0	0
Dues & Subscriptions	0	0	0	0	0	0	0	0	0	0	0	0	0
Entertainment	0	0	0	0	0	0	0	0	0	0	0	0	0
Insurance	0	0	0	0	0	0	0	0	0	0	0	0	0
Licenses & Fees	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
Owner Salary	0	0	0	0	0	0	0	0	0	0	0	0	0
Employee Salary	0	0	0	0	0	0	0	0	0	0	0	0	0
Payroll Taxes 15%	0	0	0	0	0	0	0	0	0	0	0	0	0
Rent	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
Taxes	0	0	0	0	0	0	0	0	0	0	0	0	0
Telephone	0	0	0	0	0	0	0	0	0	0	0	0	0
Training & Education	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
Operating Supplies	0	0	0	0	0	0	0	0	0	0	0	0	0
Other	0	0	0	0	0	0	0	0	0	0	0	0	0
Other	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Expenses (Loan)	0	0	0	0	0	0	0	0	0	0	0	0	0
SUBTOTAL	0	0	0	0	0	0	0	0	0	0	0	0	0
Loan principal payment	-	-	-	-	-	-	-	-	-	-	-	-	0
Capital purchase (specify)	0	0	0	0	0	0	0	0	0	0	0	0	0
Other startup costs	0	0	0	0	0	0	0	0	0	0	0	0	0
Reserve and/or Escrow	0	0	0	0	0	0	0	0	0	0	0	0	0
Owners' Withdrawal	0	0	0	0	0	0	0	0	0	0	0	0	0
TOTAL CASH PAID OUT	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash Position (end of month)	0	0	0	0	0	0	0	0	0	0	0	0	0
ESSENTIAL OPERATING DATA (non cash flow information)
Sales Volume (dollars)	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
Bad Debt (end of month)
Inventory on hand (eom)	0	0	0	0	0	0	0	0	0	0	0	0	0
Accounts Payable (eom)	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

Balance Sheet(3)

		START-UP ASSESSMENT

		Balance Sheet
		Year 3 Month 12	May-14

Assets
Current Assets:
Cash			$0
Accounts Receivable		$0
Less:	Reserve for Bad Debts	0	0
Inventory			0
Prepaid Expenses			0
	Total Current Assets			$0

Fixed Assets:
Building			0
Furniture and Fixtures			0
Equipments			0
Other Fixed Assets			0
Total Fixed Assets			0
Less:	Accumulated Depreciation		0
	Total Fixed Assets			0

Other Assets:
Deposits & Licenses			0
	Total Other Assets			0

Total Assets				$0
Liabilities and Capital
Current Liabilities:
Accounts Payable			$0
Sales Taxes Payable			0
Payroll Taxes Payable			0
Accrued Wages Payable			0
Current Portion of Bank Loans			0
	Total Current Liabilities			$0

Long-Term Liabilities:
Other Long Term Loans			0
Bank Loans ( excluding Current Portion)			0
	Total Long-Term Liabilities			0
Total Liabilities				0


Capital:
Owner's Equity			0
Paid In Capital			0
Drawing Account			0
Net Profit			0
Total Capital				0

Total Liabilities and Capital				$0

LOAN AMORT

1-Jun-11	START-UP ASSESSMENT
	MORTGAGE AMORTIZATION SCHEDULE kamaths: kamaths: Please key in the interest rate, number of years and start date for repayment on the Start-up Sheet
NAME:
MORTGAGE AMOUNT:	$0.00
INTEREST RATE - ANNUAL :	0.00%
				monthly interest rate:		0.00%
NUMBER OF YEARS:	0
NUMBER OF MONTHLY PAYMENTS:	0
MONTHLY PAYMENTS:	$0.00
				MONTHLY	ANNUAL	ANNUAL
MONTHLY PAYMENT #	PRINCIPAL	INTEREST	BALANCE	PAYMENT	PRINCIPAL	INTEREST
-	-	-	-	-------------	-------------	-------------
1-Jun-11			$0.00
1-Jul-11	$0.00	$0.00	$0.00	$0.00
1-Aug-11	$0.00	$0.00	$0.00	$0.00
1-Sep-11	$0.00	$0.00	$0.00	$0.00
1-Oct-11	$0.00	$0.00	$0.00	$0.00
1-Nov-11	$0.00	$0.00	$0.00	$0.00
1-Dec-11	$0.00	$0.00	$0.00	$0.00
1-Jan-12	$0.00	$0.00	$0.00	$0.00
1-Feb-12	$0.00	$0.00	$0.00	$0.00
1-Mar-12	$0.00	$0.00	$0.00	$0.00
1-Apr-12	$0.00	$0.00	$0.00	$0.00
1-May-12	$0.00	$0.00	$0.00	$0.00
1-Jun-12	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
1-Jul-12	$0.00	$0.00	$0.00	$0.00
1-Aug-12	$0.00	$0.00	$0.00	$0.00
1-Sep-12	$0.00	$0.00	$0.00	$0.00
1-Oct-12	$0.00	$0.00	$0.00	$0.00
1-Nov-12	$0.00	$0.00	$0.00	$0.00
1-Dec-12	$0.00	$0.00	$0.00	$0.00
1-Jan-13	$0.00	$0.00	$0.00	$0.00
1-Feb-13	$0.00	$0.00	$0.00	$0.00
1-Mar-13	$0.00	$0.00	$0.00	$0.00
1-Apr-13	$0.00	$0.00	$0.00	$0.00
1-May-13	$0.00	$0.00	$0.00	$0.00
1-Jun-13	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
1-Jul-13	$0.00	$0.00	$0.00	$0.00
1-Aug-13	$0.00	$0.00	$0.00	$0.00
1-Sep-13	$0.00	$0.00	$0.00	$0.00
1-Oct-13	$0.00	$0.00	$0.00	$0.00
1-Nov-13	$0.00	$0.00	$0.00	$0.00
1-Dec-13	$0.00	$0.00	$0.00	$0.00
1-Jan-14	$0.00	$0.00	$0.00	$0.00
1-Feb-14	$0.00	$0.00	$0.00	$0.00
1-Mar-14	$0.00	$0.00	$0.00	$0.00
1-Apr-14	$0.00	$0.00	$0.00	$0.00
1-May-14	$0.00	$0.00	$0.00	$0.00
1-Jun-14	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
1-Jul-14	$0.00	$0.00	$0.00	$0.00
1-Aug-14	$0.00	$0.00	$0.00	$0.00
1-Sep-14	$0.00	$0.00	$0.00	$0.00
1-Oct-14	$0.00	$0.00	$0.00	$0.00
1-Nov-14	$0.00	$0.00	$0.00	$0.00
1-Dec-14	$0.00	$0.00	$0.00	$0.00
1-Jan-15	$0.00	$0.00	$0.00	$0.00
1-Feb-15	$0.00	$0.00	$0.00	$0.00
1-Mar-15	$0.00	$0.00	$0.00	$0.00
1-Apr-15	$0.00	$0.00	$0.00	$0.00
1-May-15	$0.00	$0.00	$0.00	$0.00
1-Jun-15	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
1-Jul-15	$0.00	$0.00	$0.00	$0.00
1-Aug-15	$0.00	$0.00	$0.00	$0.00
1-Sep-15	$0.00	$0.00	$0.00	$0.00
1-Oct-15	$0.00	$0.00	$0.00	$0.00
1-Nov-15	$0.00	$0.00	$0.00	$0.00
1-Dec-15	$0.00	$0.00	$0.00	$0.00
1-Jan-16	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	2003
1-Feb-16	$0.00	$0.00	$0.00	$0.00
1-Mar-16	$0.00	$0.00	$0.00	$0.00
1-Apr-16	$0.00	$0.00	$0.00	$0.00
1-May-16	$0.00	$0.00	$0.00	$0.00
1-Jun-16	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
					$0.00	$0.00	2004
NAME:
MORTGAGE AMOUNT:	$0.00
INTEREST RATE - ANNUAL :	0.00%
NUMBER OF YEARS:	5
ANNUAL PAYMENTS:	$0.00
				ANNUAL	CUMULATIVE	CUMULATIVE
ANNUAL PAYMENT #	PRINCIPAL	INTEREST	BALANCE	PAYMENT	INTEREST	PRINCIPAL
-	-	-	-	-------------	-------------	-------------
1999	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
2000	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
2001	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
2002	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
2003	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
2004	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
	ENDING BALANCE:		$0.00	$0.00

FinancialRatioInputSheet

		START-UP ASSESSMENT
	COMPANY NAME:
Input Data	Year 0	Year 1	Year 2	Year 3
Accounts Receivable	0	0	0	0
Average inventory	0	0	0	0
Avg. Accounts Receivable	0	0	0	0
Avg. Accounts payable	0	0	0	0
Cash	0	0	0	0
COGS	0	0	0	0
Current Assets	0	0	0	0
Current Liabilities	0	0	0	0
Current Period Sales	0	0	0	0
Last Period Sales	0	0	0	0
Debt	0	0	0	0
Equity	0	0	0	0
Gross Profit	0	0	0	0
Inventory	0	0	0	0
Net Profit	0	0	0	0
Non Cash Expense	0	0	0	0
Payables	0	0	0	0
Principal on Debt	0	0	0	0
Receivables	0	0	0	0
SG&A	0	0	0	0
Total Assets	0	0	0	0
Total Sales	0	0	0	0
Bernard Fitzgerald: Look for a steady increase in sales. If overall costs and inflation are on the rise, then you should watch for a related increase in your sales... if not, then this is an indicator that your Prices are not keeping up with your costs.

Ratio Results

	START-UP ASSESSMENT
Financial Ratio Results
						Ind.
Company Name:		NAICS/SIC CODE:				5810
						5940
Category/Ratio	Formula	Year 0	Year 1	Year 2	Year 3	Industry
Note: Apply curson to red triangle for definitions						Avg.
LIQUIDITY RATIOS
Current Ratio	Current Assets	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	1.7
	Current Liabilities
Quick Ratio	Cash + Accts. Rec.	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	1.3
	Current Liabilities
SAFETY RATIOS
Debt to Equity Ratio	Debt	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	0.51
	Equity
Debt Coverage Ratio	Net Profit + Non-cash exp.	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	2.0
	Principal on Debt
PROFITABILITY
Sales Growth	Current period sales - last period sales	NA	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	0.13
	Last period sales
Gross Profit Margin	Gross Profit	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	0.50
	Total Sales
Net Profit Margin	Net Profit	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	0.09
	Total Sales
Return on Equity	Net Profit	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	0.15
	Equity
Return on Assets	Net Profit	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	0.07
Bernard Fitzgerald: ROA shows the amount of income for every dollar tied up in assets. Year to year trends may be an indicator ... but watch out for changes in the total asset figure as you depreciate your assets (a decrease or increase in the denominator can effect the ratio and doesn't necessisarily mean the business is improving or declining.	Total Assets
COGS to Sales	Cost of Goods Sold	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	0.50
Bernard Fitzgerald: Look for a stable ratio as an indicator that the company is controlling its gross margins.	Total Sales
SG&A to Sales	SG&A Expense	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	0.36
Bernard Fitzgerald: Look for a steady or decreasing percentage indicating that the company is controlling its overhead expenses.	Total Sales
EFFICIENCY
Days in Receivables	Receivables X 360 days	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	12.0
Bernard Fitzgerald: Look for trends that indicate a change in your customers' payment habits. Compare the calculated days in receivables to your stated terms. Compare to industry standards. Review an Aging of Receivables and be familiar with your customers payment habits and watch for any changes that might indicate a problem.	Sales
A/R Turnover	Sales	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	30
Bernard Fitzgerald: The higher the turnover, the shorter the time between sales and collecting cash. Compare to industry standards.	Bernard Fitzgerald: 1:1 current ratio means; the company has $1.00 in current assets to cover each $1.00 in current liabilities. Look for a current ratio above 1:1 and as close to 2:1 as possible. One problem with the current ratio is that it ignores timing of cash received and paid out. For example, if all the bills are due this week, and inventory is the only current asset, but won't be sold until the end of the month, the current ratio tells very little about the company's ability to survive.	Average Accts. Receivable
Days in Inventory	Inventory X 360 days	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	25.1
Bernard Fitzgerald: Look for trends that indicate a change in your inventory levels. Compare the calculated days in inventory to your inventory cycle). Compare to industry standards	Bernard Fitzgerald: Indicates the extent to which you could pay current liabilities without relying on the sale of inventory -- how quickly you can pay your bills. Generally, a ratio of 1:1 is good and indicates you don't have to rely on the sale of inventory to pay the bills. Although a little better than the Current ratio, the Quick ratio still ignores timing of receipts and payments.	COGS
Inventory Turnover	COGS	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	14.3
Bernard Fitzgerald: Generally, a high inventory turnover is an indicator of good inventory management. But a high ratio can also mean there is a shortage of inventory. A low turnover may indicate overstocking, or obsolete inventory. Compare to industry standards.	Average Inventory
Sales to Assets	Sales	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	1.09
Bernard Fitzgerald: A volume indicator that can be used to measure efficiency of your business from year to year.	Bernard Fitzgerald: Comparison of how much of the business was financed through debt and how much was financed through equity. For this calculation it is common practice to include loans from owners in equity rather than in debt. The higher the ratio, the greater the risk to a present or future creditor. Look for a debt to equity ratio in the range of 1:1 to 4:1 Most lenders have credit guidelines and limits for the debt to equity ratio (2:1 is a commonly used limit for small business loans). Too much debt can put your business at risk... but too little debt may mean you are not realizing the full potential of your business -- and may actually hurt your overall profitability. This is particularly true for larger companies where shareholders want a higher reward (dividend rate) than lenders (interest rate). If you think that you might be in this situation, talk to your accountant or financial advisor.	Total Assets
Days in Accts. Payable	Payables X 360 days	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	16.2
Bernard Fitzgerald: Look for trends that indicate a change in your payment habits. Compare the calculated days in payables to the terms offered by your suppliers. Compare to industry standards. Review an Aging of Payables and be familiar with the terms offered by your suppliers.	Bernard Fitzgerald: Shows how much of your cash profits are available to repay debt. Lenders look at this ratio to determine if there is adequate cash to make loan payments. Most lenders also have limits for the debt coverage ratio.	COGS
A/P Turnover	COGS	NA	ERROR:#DIV/0!	ERROR:#DIV/0!	ERROR:#DIV/0!	22.2
Bernard Fitzgerald: The higher the turnover, the shorter the time between purchase and payment. A low turnover may indicate that there is a shortage of cash to pay your bills or some other reason for a delay in payment.	Bernard Fitzgerald: Look for a steady increase in sales. If overall costs and inflation are on the rise, then you should watch for a related increase in your sales... if not, then this is an indicator that your Prices are not keeping up with your costs.	Bernard Fitzgerald: Compare to other businesses in the same industry to see if your business is operating as profitably as it should be. Look at the trend from month to month. Is it staying the same? Improving? Deteriorating? Is there enough gross profit in the business to cover your operating costs? Is there a positive gross margin on all your products?	Bernard Fitzgerald: Compare to other businesses in the same industry to see if your business is operating as profitably as it should be. Look at the trend from month to month. Is it staying the same? Improving? Deteriorating? Are you generating enough sales to leave an acceptable profit? Trend from month to month can show how well you are managing your operating or overhead costs.	Bernard Fitzgerald: Compare the return on equity to other investment alternatives, such as a savings account, stock or bond. Compare your ratio to other businesses in the same or similar industry.	Average Accts. Payable

Definitions

		START-UP ASSESSMENT
Financial Ratios and Quality Indicators
LIQUIDITY:	Financial ratios in this category measure the company's capacity to pay its debts
	as they come due.

Current Ratio
Definition:	The ratio between all current assets and all current liabilities; another way of
	expressing liquidity.
Formula:	Current Assets divided by
	Current Liabilities
Analysis:	1:1 current ratio means; the company has $1.00 in current assets to cover each $1.00
	in current liabilities. Look for a current ratio above 1:1 and as close to 2:1 as possible.
	One problem with the current ratio is that it ignores timing of cash received and paid
	out. For example, if all the bills are due this week, and inventory is the only current
	asset, but won't be sold until the end of the month, the current ratio tells very little
	about the company's ability to survive.
Quick Ratio
Definition:	The ratio between all assets quickly convertible into cash and all current liabilities.
	Specifically excludes inventory.
Formula:	Cash + Accounts Receivable divided by
	Current Liabilities
Analysis:	Indicates the extent to which you could pay current liabilities without relying on the
	sale of inventory -- how quickly you can pay your bills. Generally, a ratio of 1:1 is good
	and indicates you don't have to rely on the sale of inventory to pay the bills.
	Although a little better than the Current ratio, the Quick ratio still ignores timing
	of receipts and payments.
SAFETY:	Indicator of the businesses' vulnerability to risk. These ratios are often used by creditors
	to determine the ability of the business to repay loans.
Debt to Equity
Definition:	Shows the ratio between capital invested by the owners and the funds provided by lenders.
Formula:	Debt divided by
	Equity
Analysis:	Comparison of how much of the business was financed through debt and how much
	was financed through equity. For this calculation it is common practice to include
	loans from owners in equity rather than in debt.
	The higher the ratio, the greater the risk to a present or future creditor.
	Look for a debt to equity ratio in the range of 1:1 to 4:1
	Most lenders have credit guidelines and limits for the debt to equity ratio (2:1 is a
	commonly used limit for small business loans).
	Too much debt can put your business at risk... but too little debt may mean you are
	not realizing the full potential of your business -- and may actually hurt your overall
	profitability. This is particularly true for larger companies where shareholders want a
	higher reward (dividend rate) than lenders (interest rate). If you think that you might be
	in this situation, talk to your accountant or financial advisor.
Debt coverage ratio
Definition:	Indicates how well your cash flow covers debt and the capacity of the business to
	take on additional debt.
Formula:	Net Profit + Non-cash expenses divided by
	Debt
Analysis:	Shows how much of your cash profits are available to repay debt.
	Lenders look at this ratio to determine if there is adequate cash to make loan payments.
	Most lenders also have limits for the debt coverage ratio.
PROFITABILITY
Sales Growth
Definition:	Percentage increase (or decrease) in sales between two time periods.
Formula:	Current Year's sales - Last Year's sales divided by
	Last Year's sales
	Note: substitute sales for a month or quarter for a shorter term trend.
Analysis:	Look for a steady increase in sales.
	If overall costs and inflation are on the rise, then you should watch for a related
	increase in your sales... if not, then this is an indicator that your Prices are not keeping
	up with your costs.
COGS to Sales
Definition:	Percentage of sales used to pay for expenses which vary directly with sales.
Formula:	Cost of Goods Sold divided by
	Sales
Analysis:	Look for a stable ratio as an indicator that the company is controlling its gross margins.
Gross Profit Margin
Definition:	Indicator of how much profit is earned on your products without consideration of selling and administration costs.
Formula:	Gross Profit divided by
	Total Sales
	where Gross Profit = Sales less Cost of Goods Sold
Analysis:	Compare to other businesses in the same industry to see if your business is operating
	as profitably as it should be.
	Look at the trend from month to month. Is it staying the same? Improving? Deteriorating?
	Is there enough gross profit in the business to cover your operating costs?
	Is there a positive gross margin on all your products?
SG&A to Sales
Definition:	Percentage of selling, general and administrative costs to sales.
Formula:	Selling, General & Administrative Expenses divided by
	Sales
Analysis:	Look for a steady or decreasing percentage indicating that the company is
	controlling its overhead expenses.
Net Profit Margin
Definition:	Shows how much profit comes from every dollar of sales.
Formula:	Net Profit divided by
	Total Sales
Analysis:	Compare to other businesses in the same industry to see if your business is operating
	as profitably as it should be.
	Look at the trend from month to month. Is it staying the same? Improving? Deteriorating?
	Are you generating enough sales to leave an acceptable profit?
	Trend from month to month can show how well you are managing your operating
	or overhead costs.
Return on Equity
Definition:	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?
Formula:	Net Profit divided by
	Equity
Analysis:	Compare the return on equity to other investment alternatives, such as a savings
	account, stock or bond.
	Compare your ratio to other businesses in the same or similar industry.
Return on Assets
Definition:	Considered a measure of how effectively assets are used to generate a return.
	(This ratio is not very useful for most businesses.)
Formula:	Net Profit divided by
	Total Assets
Analysis:	ROA shows the amount of income for every dollar tied up in assets.
	Year to year trends may be an indicator ... but watch out for changes in the total
	asset figure as you depreciate your assets (a decrease or increase in the denominator
	can effect the ratio and doesn't necessisarily mean the business is improving or declining.
EFFICIENCY:	Also called Asset Management ratios. Indicator of how efficiently the company
	manages its assets.

Days in Receivables
Definition:	This calculation shows the average number of days it takes to collect your accounts
	receivable (number of days of sales in receivables).
Formula:	Average Accounts Receivable divided by
	Sales X 360 days
Analysis:	Look for trends that indicate a change in your customers' payment habits.
	Compare the calculated days in receivables to your stated terms.
	Compare to industry standards.
	Review an Aging of Receivables and be familiar with your customers payment
	habits and watch for any changes that might indicate a problem.
Accounts Receivable Turnover
Definition:	Number of times that trade receivables turnover during the year.
Formula:	Net Sales divided by
	Average Accounts Receivable
Analysis:	The higher the turnover, the shorter the time between sales and collecting cash.
	Compare to industry standards.
Days in Inventory
Definition:	This calculation shows the average number of days it will take to sell your inventory
	(number of days sales @ cost in inventory).
Formula:	Average Inventory divided by
	Cost of Goods Sold X 360 days
Analysis:	Look for trends that indicate a change in your inventory levels.
	Compare the calculated days in inventory to your inventory cycle).
	Compare to industry standards.
Inventory Turnover
Definition:	Number of times that you turn over (or sell) inventory during the year.
Formula:	Cost of Goods Sold divided by
	Average Inventory
Analysis:	Generally, a high inventory turnover is an indicator of good inventory management.
	But a high ratio can also mean there is a shortage of inventory.
	A low turnover may indicate overstocking, or obsolete inventory.
	Compare to industry standards.
Sales to Total Assets
Definition:	Indicates how efficiently your business generates sales on each dollar of assets.
Formula:	Sales divided by
	Total Assets
Analysis:	A volume indicator that can be used to measure efficiency of your business from
	year to year.
Days in Accounts Payable
Definition:	This calculation shows the average length of time your trade payables are outstanding
	before they are paid. (number of days sales @ cost in payables).
Formula:	Average Accounts Payable divided by
	COGS X 360 days
Analysis:	Look for trends that indicate a change in your payment habits.
	Compare the calculated days in payables to the terms offered by your suppliers.
	Compare to industry standards.
	Review an Aging of Payables and be familiar with the terms offered by your suppliers.
Accounts Payable Turnover
Definition:	The number of times trade payables turnover during the year.
Formula:	COGS divided by
	Average Accounts Payable
Analysis:	The higher the turnover, the shorter the time between purchase and payment.
	A low turnover may indicate that there is a shortage of cash to pay your bills or
	some other reason for a delay in payment.