5-YEAR FINANCIAL PLAN

FORECASTED REVENUE

Product 1 100 gm

10000

35.00

Annual
revenue
per product
350,000.00

Product 2 200 gm

8000

65.00

520,000.00

Product 3 250gm

5000

80.00

400,000.00

Product 4 Half Kg

3000

130.00

390,000.00

Units sold
annually

Average
price per unit

TOTAL OF FORECASTED REVENUE

1,660,000.00

COST OF GOODS SOLD

Expected
gross margin

Annual cost of
goods sold

Product 1 100 gm

40%

140,000.00

Product 2 200 gm

35%

182,000.00

Product 3 250gm

30%

120,000.00

Product 4 Half Kg

30%

117,000.00

TOATL COST OF GOODS SOLD

559,000.00

ANNUAL MAINTENANCE, REPAIR AND OVERHEAD

Factor (%) on capital equipment

25%

ASSET DEPRECIATION
Number of Years

TAX
Annual Tax Rate

4%

INFLATION
Annual Inflation Rate

2%

PRODUCT PRICE INCREASE

Annual Price Increase

5%

FUNDING
Loan Amount

600,000.00

Annual interest rate

9.00%

Term of loan (Year)

Monthly rate

0.72%

Payment

122,607.06

Total Amount Payable

613,035.29

PROFIT AND LOSS PROJECTION

PROFIT AND LOSS ASSUMPTION
Year 1

Year 2

Year 3

Year 4

Annual cumulative price (revenue) increase

0.00%

5.00%

10.00%

15.00%

Annual cumulative inflation (expense) increase

0.00%

2.00%

4.00%

6.00%

Year 1

Year 2

Year 3

Year 4

INCOME
Revenue
Product 1 100 gm

350,000.00

367,500.00

404,250.00

464,887.50

Product 2 200 gm

520,000.00

546,000.00

600,600.00

690,690.00

Product 3 250gm

400,000.00

420,000.00

462,000.00

531,300.00

Product 4 Half Kg

390,000.00

409,500.00

450,450.00

518,017.50

1,660,000.00

1,743,000.00

1,917,300.00

2,204,895.00

Product 1 100 gm

140,000.00

142,800.00

148,512.00

157,422.72

Product 2 200 gm

182,000.00

185,640.00

193,065.60

204,649.54

Product 3 250gm

120,000.00

122,400.00

127,296.00

134,933.76

Product 4 Half Kg

117,000.00

119,340.00

124,113.60

131,560.42

Cost of goods sold

559,000.00

570,180.00

592,987.20

628,566.43

1,101,000.00

1,172,820.00

1,324,312.80

1,576,328.57

Sales and marketing

15,000.00

15,300.00

15,912.00

16,866.72

Depreciation

60,000.00

57,120.00

58,240.00

59,360.00

7,500.00

7,650.00

7,956.00

8,433.36

21,000.00

21,420.00

22,276.80

23,613.41

2,500.00

2,550.00

2,652.00

2,811.12

25,000.00

25,500.00

26,000.00

26,500.00

5,000.00

5,100.00

5,304.00

5,622.24

300.00

306.00

318.24

337.33

Total revenue
Cost of Sales

Gross Profit
EXPENSES
Operating expenses

Insurance
Payroll and Payroll Tax
Property taxes
Maintenance, repair, and overhaul
Utilities
Administrative fees
Interest expense on long-term debt
Other
Total operating expenses

TOTAL EXPENSES

13,035.29

1,000.00

1,020.00

1,060.80

1,124.45

150,335.29

135,966.00

139,719.84

144,668.63

150,335.29

135,966.00

139,719.84

144,668.63

TAXES
Income Tax
Other Tax (specify)

TOTAL TAXES
NET PROFIT

6,013.41
-

5,438.64
-

5,588.79
-

5,786.75
-

6,013.41

5,438.64

5,588.79

5,786.75

144,321.88

130,527.36

134,131.05

138,881.89

Year 5
20.00%
8.00%

Year 5

557,865.00
828,828.00
637,560.00
621,621.00
2,645,874.00

170,016.54
221,021.50
145,728.46
142,085.25
678,851.75
1,967,022.25

18,216.06
60,480.00
9,108.03
25,502.48
3,036.01
27,000.00
6,072.02
364.32
1,214.40
150,993.32

150,993.32

6,039.73
6,039.73

144,953.59

BALANCE SHEET PROJECTION

ASSETS
Current Assets

Year 1

Year 2

300,000.00 -

95,678.12

91,969.24

284,340.29

10,000.00

10,000.00

10,000.00

10,000.00

Total inventory

150,000.00

150,000.00

150,000.00

150,000.00

Prepaid Rent expenses

180,000.00

180,000.00

180,000.00

180,000.00

25,000.00

25,000.00

25,000.00

25,000.00

665,000.00

269,321.88

456,969.24

649,340.29

Cash and bank

Accounts receivable

Other current assets

Total current assets

Property and Equipment

Furniture and Fixtures

Initial balance

Initial balance

Year 1

Year 3

Year 2

Year 3

150,000.00

150,000.00

150,000.00

150,000.00

Equipment

80,000.00

80,000.00

80,000.00

80,000.00

Machinery

50,000.00

50,000.00

50,000.00

50,000.00

100,000.00

100,000.00

100,000.00

100,000.00

60,000.00

117,120.00

175,360.00

380,000.00

320,000.00

262,880.00

204,640.00

1,045,000.00

589,321.88

719,849.24

853,980.29

Vehicles
Less Accumulated depreciation expense
Total Property and Equipment

TOTAL ASSETS
LIABILITIES
Current Liabilities

Initial balance

Year 1

Year 2

Year 3

Accounts payable

20,000.00

20,000.00

20,000.00

20,000.00

Accrued expenses

15,000.00

15,000.00

15,000.00

15,000.00

Notes payable/short-term debt

Other current liabilities
Total Current Liabilities
Debt
Long-term debt/loan
Other long-term debt
Total Debt

TOTAL LIABILITIES
EQUITY

10,000.00

10,000.00

10,000.00

10,000.00

45,000.00

45,000.00

45,000.00

45,000.00

Year 1

Year 2

Year 3

Initial balance
600,000.00
-

645,000.00

45,000.00

45,000.00

45,000.00

645,000.00

45,000.00

45,000.00

45,000.00

Initial balance

Year 1

Year 2

Year 3

Shahrukh Khan Shares

200,000.00

200,000.00

200,000.00

200,000.00

Taha Yaseen Share

100,000.00

100,000.00

100,000.00

100,000.00

Komal Shaikh Share

100,000.00

100,000.00

100,000.00

100,000.00

144,321.88

274,849.24

408,980.29

400,000.00

544,321.88

674,849.24

808,980.29

1,045,000.00

589,321.88

719,849.24

853,980.29

Retained earnings

TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY

Year 4

Year 5

482,582.17

688,015.76

10,000.00

10,000.00

150,000.00

150,000.00

180,000.00

180,000.00

25,000.00

25,000.00

847,582.17

1,053,015.76

Year 4

Year 5

150,000.00

150,000.00

80,000.00

80,000.00

50,000.00

50,000.00

100,000.00

100,000.00

234,720.00

295,200.00

145,280.00

84,800.00

992,862.17

1,137,815.76

Year 4

Year 5

20,000.00

20,000.00

15,000.00

15,000.00

10,000.00

10,000.00

45,000.00

45,000.00

Year 4

Year 5
-

45,000.00

45,000.00

45,000.00

45,000.00

Year 4

Year 5

200,000.00

200,000.00

100,000.00

100,000.00

100,000.00

100,000.00

547,862.17

692,815.76

947,862.17

1,092,815.76

992,862.17

1,137,815.76

CASH FLOW PROJECTION

Operating activities

Year 1

Year 2

Year 3

Year 4

Year 5

Net income

144,321.88

130,527.36

134,131.05

138,881.89

144,953.59

Depreciation

60,000.00

57,120.00

58,240.00

59,360.00

60,480.00

Accounts receivable

Inventories

Accounts payable

Amortization

Other liabilities

Other operating cash flow items

Total operating activities

204,321.88

Investing activities

Year 1

187,647.36
Year 2

Year 3

Capital expenditures

Acquisition of business

Sale of fixed assets

Other investing cash flow items

Total investing activities

Financing activities
Long-term debt/financing

Year 1

192,371.05

198,241.89
Year 4

Year 5
-

Year 2

205,433.59

Year 3

Year 4

Year 5

- 600,000.00

Total financing activities

- 600,000.00

Cumulative cash flow

- 395,678.12

Beginning cash balance

Ending cash balance

187,647.36

192,371.05

198,241.89

205,433.59

300,000.00 -

95,678.12

91,969.24

284,340.29

482,582.17

95,678.12

91,969.24

284,340.29

482,582.17

688,015.76

Total
692,815.76
295,200.00
988,015.76
Total
380,000.00
Total
-

600,000.00

600,000.00
388,015.76

LOAN AMORTIZATION SCHEDULE

NOTE: Loan Amortization calculations are limited for up to 5 years (60 months).

MONTH
1

BALANCE
SCHEDULED PAYMENT
600,000.00
600,000.00
122,607.06

PRINCIPAL

INTEREST

118,282.66

4,324.39

481,717.34

122,607.06

119,135.17

3,471.89

362,582.17

122,607.06

119,993.81

2,613.25

242,588.36

122,607.06

120,858.65

1,748.41

121,729.71

122,607.06

121,729.71

877.35