Financial Plan For Small Businesses

Financial Plan For small businesses Training & Templates
Includes links with Excel tables and charts
Objectives of this document
Learn how to create a financial plan with a training and templates created by former Deloitte Management Consultants
Save your time by using our fully editable PowerPoint slides that you can reuse for your own presentation
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Overview - Guiding principles
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Table of content
How to create a Financial Plan?

1
Set-up costs
Start-up capital
Financial statements
Financial ratios
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Set-up costs - Guiding principles
Set-up costs - Template

Insert your key message (e.g. Our total set-up costs will be $13,450)
I.Setting up the business Accountant's fees Solicitor's fees Business registration Domain name registration Insurance Licences Workers compensation Total II.Setting up the premises and equipement Lease deposit Advance rent Stationery and office supplies Equipment Vehicles Telecommunications Computers and software Total III.Starting Operations Advertising and promotion Raw materials and supplies Working capital Total
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$100 $100 $100 $50 $400 $400 $800 $1,950
Example of figures that you will have to replace by your own figures
$1,000 $1,000 $500 $100 $5,000 $400 $1,000 $9,000
IV.Total Set-up costs I.Setting up the business II.Setting up the premises and equipement III.Starting Operations Total (I+II+III)
$1,950 $9,000 $2,500 $13,450
$1,000 $1,000 $500 $2,500

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Table of content
Set-up costs
Start-up capital
Financial ratios
Start-up capital Guiding principles
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Start-up capital - Template

Insert your key message (e.g. Our start-up capital will be $19,000)
I.Equity Investment Owner #1 Owner #2 Investor #1 Total II.Borrowings Borrowing #1 Borrowing #2 Borrowing #3 Total
$10,000 $2,000 $1,000 $13,000
$3,000 $2,000 $1,000 $6,000
III.Start-up Capital I.Equity Investment II.Borrowings Total (I+II)
$13,000 $6,000 $19,000
Table of content
Set-up costs
Start-up capital
Financial ratios
10
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Profit and Loss P&L forecast - Guiding principles
11
Profit and Loss forecast - Template (1/2)

Insert your key message
2014 I.Sales Sales invoiced Cost of goods sold Gross profit II.Expenses Accounting fees Advertising Bank charges Bank intertest Depreciation Electricity and Gas Equipement hire/lease Insurance Legal fees Motor vehicle expenses Postage, telephone and fax Stationery Rent Repairs and maintenance Security Sundries Transport/courier costs Wages Total Expenses III.Results Gross Profit Total Expenses Net profit Gross profit margin Net profit margin
12
2015 $120,000 $20,000 $100,000
2016 $140,000 $20,000 $120,000
2017 $160,000 $20,000 $140,000
2018 $200,000 $20,000 $180,000
$100,000 $20,000 $80,000
$100 $1,000 $100 $100 $100 $100 $100 $1,000 $100 $100 $100 $100 $100 $100 $100 $1,000 $100 $30,000 $34,400
$100 $1,000 $100 $100 $100 $100 $100 $1,000 $100 $100 $100 $100 $100 $100 $100 $1,000 $100 $30,000 $34,400
$100 $1,000 $100 $100 $100 $100 $100 $1,000 $100 $100 $100 $100 $100 $100 $100 $1,000 $100 $30,000 $34,400
$100 $1,000 $100 $100 $100 $100 $100 $1,000 $100 $100 $100 $100 $100 $100 $100 $1,000 $100 $30,000 $34,400
$100 $1,000 $100 $100 $100 $100 $100 $1,000 $100 $100 $100 $100 $100 $100 $100 $1,000 $100 $30,000 $34,400
$80,000 $34,400 $45,600 80% 46%
$100,000 $34,400 $65,600 83% 55%
$120,000 $34,400 $85,600 86% 61%
$140,000 $34,400 $105,600 88% 66%
$180,000 $34,400 $145,600 90% 73%
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Profit and Loss forecast - Template (2/2)

Revenue and Profit
4 3.5 3 2.5 2 1.5 1 0.5 0 2014 2015 2016 Revenue Profit 2017 2018
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Cash flow forecast - Guiding principles
14
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Cash flow forecast - Template

2014 Starting Cash Position I.Incoming Cash sales Collections from accounts receivable Other cash receipts Total Incoming II.Outgoing Fixed Costs Administration Marketing Operations Total Outgoing Fixed Costs III.Outgoing Variable Costs Administration Marketing Operations Total Outgoing Variable Costs IV.Results Total Incoming Total Outgoing Fixed Costs Total Outgoing Variable Costs Change during year Closing cash position
15
2015 $100,000
2016 $227,600
2017 $365,200
2018 $512,800
$20,000
$80,000 $10,000 $20,000 $110,000
$100,000 $10,000 $20,000 $130,000
$110,000 $10,000 $20,000 $140,000
$120,000 $10,000 $20,000 $150,000
$160,000 $10,000 $20,000 $190,000
$5,000 $5,000 $5,000 $15,000
$100 $1,000 $100 $1,200
$100 $1,000 $100 $1,200
$100 $1,000 $100 $1,200
$100 $1,000 $100 $1,200
$5,000 $5,000 $5,000 $15,000
$100 $1,000 $100 $1,200
$100 $1,000 $100 $1,200
$100 $1,000 $100 $1,200
$100 $1,000 $100 $1,200
$110,000 $15,000 $15,000 $80,000 $100,000
$130,000 $1,200 $1,200 $127,600 $227,600
$140,000 $1,200 $1,200 $137,600 $365,200
$150,000 $1,200 $1,200 $147,600 $512,800
$190,000 $1,200 $1,200 $187,600 $700,400
Balance sheet forecast - Guiding principles
16
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Balance sheet forecast - Templates

As at December As at December As at December As at December As at December 2014 2015 2016 2017 2018
I.Current Assets Cash Accounts receivable Stock Short-term investment Prepaid expenses Long-term investment Total Current Assets II.Fixed Assets Land Building Equipement Furniture Motor vehicles Total Fixed Assets III.Current Liabilities Accounts payable Interest payable Taxes payable Payroll Accrual Total Current Liabilities IV.Long term Liabilities Borrowing #1 Borrowing #2 Total Long term Liabilities V.Total Assets and Liabilities Total Assets Total Liabilities Net Assets VI.Owner's Equity Retained Earnings Current year earnings (=net profit) Total Equity (should equal Net Assets)
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0 $0 $0
$0 $0 $0
$0 $0 $0
$0 $0 $0
$0 $0 $0
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$0 $0 $45,600 $65,600 $45,600 $65,600 www.slidebooks.com
$0 $85,600 $85,600
$0 $105,600 $105,600
$0 $145,600 $145,600
Break-even analysis Guiding principles
18
Break-even analysis Templates
Break-even analysis Average selling price per unit Average variable cost per unit Fixed cost Number of unit sales to break-even
$50 $10 $34,400 860
19
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Table of content
Set-up costs
Start-up capital
Financial ratios
20
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Guiding principles
21
Definitions and Templates (1/2)

Ratio Formula Definition Result
Margin of safety
Total sales (number of units sales to break-even X average price per unit)
Shows how much actual or forecasted sales exceed the break-even point. Shows how much breathing room you have (i.e. how much sales can drop before you start making a loss).
Insert your own text
Current ratio
Current assets Current liabilities
A measure of your business' liquidity (i.e. ability to repay short-term debts). A ratio below 1 shows liquidity problems
Current trading level per month
Annual sales 12
Used to determine average monthly sales. Useful for analyzing and setting sales targets
Debtor days
(Trade debtors x 365) Credit sales per year
This ratio approximates the average number of days debtors are outstanding
Creditor days
(Trade creditors x 365) Credit purchases per year
This ratio approximates the average number of days creditors are outstanding
22
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Definitions and Templates (2/2)

Ratio Formula Definition Result
Days stock
(Closing stock x 365) Material used or stock purchases
This ratio approximates the number of days stock is held without replenishment.
Stock turnover
Cost of goods sold Average stock value
This ratio is used to approximate the number of times in a year the stock turns over. Greater stock turn reduces working capital
Gearing ratio (%)
(Borrowed funds x 100) Total assets
This ratio is used to ascertain the extent to which the total assets of the business are used for borrowed funds
Debt to equity ratio
Total liabilities Owners equity
This ratio shows the relative proportion of owners equity and debt used to finance your businesss assets
Asset turnover per annum
Total sales Total assets
This ratio is used to show the extent to which total assets are used to produce sales.
23
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Financial Plan For Small Businesses

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Financial Plan For Small Businesses

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Financial Plan For small businesses Training & Templates

Includes links with Excel tables and charts

Objectives of this document

Overview - Guiding principles

Click here to download the editable PowerPoint www.slidebooks.com version at www.slidebooks.com

How to create a Financial Plan?

Set-up costs - Guiding principles

Click here to download the editable PowerPoint www.slidebooks.com version at www.slidebooks.com

Set-up costs - Template

$100 $100 $100 $50 $400 $400 $800 $1,950

$1,000 $1,000 $500 $100 $5,000 $400 $1,000 $9,000

$1,950 $9,000 $2,500 $13,450

$1,000 $1,000 $500 $2,500

How to create a Financial Plan?

Click here to download the editable PowerPoint www.slidebooks.com version at www.slidebooks.com

Start-up capital Guiding principles

Start-up capital - Template

$10,000 $2,000 $1,000 $13,000

$3,000 $2,000 $1,000 $6,000

III.Start-up Capital I.Equity Investment II.Borrowings Total (I+II)

$13,000 $6,000 $19,000

Click here to download the editable PowerPoint www.slidebooks.com version at www.slidebooks.com

How to create a Financial Plan?

Profit and Loss P&L forecast - Guiding principles

Click here to download the editable PowerPoint www.slidebooks.com version at www.slidebooks.com

Profit and Loss forecast - Template (1/2)

2015 $120,000 $20,000 $100,000

2016 $140,000 $20,000 $120,000

2017 $160,000 $20,000 $140,000

2018 $200,000 $20,000 $180,000

$100,000 $20,000 $80,000

$80,000 $34,400 $45,600 80% 46%

$100,000 $34,400 $65,600 83% 55%

$120,000 $34,400 $85,600 86% 61%

$140,000 $34,400 $105,600 88% 66%

$180,000 $34,400 $145,600 90% 73%

Profit and Loss forecast - Template (2/2)

Revenue and Profit

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Cash flow forecast - Guiding principles

Cash flow forecast - Template

$80,000 $10,000 $20,000 $110,000

$100,000 $10,000 $20,000 $130,000

$110,000 $10,000 $20,000 $140,000

$120,000 $10,000 $20,000 $150,000

$160,000 $10,000 $20,000 $190,000

$5,000 $5,000 $5,000 $15,000

$100 $1,000 $100 $1,200

$100 $1,000 $100 $1,200

$100 $1,000 $100 $1,200

$100 $1,000 $100 $1,200

$5,000 $5,000 $5,000 $15,000

$100 $1,000 $100 $1,200

$100 $1,000 $100 $1,200

$100 $1,000 $100 $1,200

$100 $1,000 $100 $1,200

$110,000 $15,000 $15,000 $80,000 $100,000

$130,000 $1,200 $1,200 $127,600 $227,600

$140,000 $1,200 $1,200 $137,600 $365,200

$150,000 $1,200 $1,200 $147,600 $512,800

$190,000 $1,200 $1,200 $187,600 $700,400

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Balance sheet forecast - Guiding principles