SCORE Financial Projection Model

Please read this entire page before you do anything else

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 -

A number found in the color green is optional information that you can complete.
Example: Check these assumptions -
If "green" cells have formulas in them to start with and are then overwritten, the dependent calculations will not be correct and will need to be updated manually

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:

Enter Your Business Name Here

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. & 5. Projected Sales Forecast (2 sheets)
6. Cash Receipts and Disbursements

Begin by clicking on the tabs below

q
will need to be updated manually
Enter Your Business Name Here
Required Start-Up Funds for a New Business or
Opening Balance Sheet for an Existing Business

Required Start-Up Funds Amount Totals Depreciation Notes

Fixed Assets
Real Estate-Land $ -
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 -

Operating Capital
Pre-Opening Salaries and Wages -
Prepaid Insurance Premiums -
Inventory -
Legal and Accounting Fees -
Rent Deposits -
Utility Deposits -
Supplies -
Advertising and Promotions -
Licenses -
Other Initial Start-Up Costs -
Working Capital (Cash On Hand) - For existing businesses = Cash+Ppd Exp+A/R-A/P-Accrd Exp See Note below#
Total Operating Capital -

Total Required Funds $ -

Sources of Funding Amount Totals Loan Rate Term in Months Monthly Payments
Owner's Equity 0.00% -
Outside Investors 0.00% -
Additional Loans or Debt
Commercial Loan 0.00% - 7.00% 84.00 $0.00
 Commercial Mortgage 0.00% - 8.00% 240.00 $0.00
Credit Card Debt 0.00% - 7.00% 60.00 $0.00
Vehicle Loans 0.00% - 6.00% 48.00 $0.00
Other Bank Debt 0.00% - 5.00% 36.00 $0.00
Total Sources of Funding 0.00% $ - $0.00

Note#: For existing businesses, this should be the "bucket" of cash plus recieva
be turned into cash or payables paid out in cash in the near term (i.e. in the first
If "green" cells have formulas in them to start with and are then overwritten, the
will not be correct and will need to be updated manually
d Exp See Note below#
ket" of cash plus recievables that will
ear term (i.e. in the first month of the plan)
re then overwritten, the dependent calculations
Enter Your Business Name Here
Salaries and Wages

Salaries and Related Expenses # Assumptions Wage Base Monthly Year One

Percent Change

Salaries and Wages

Owner's Compensation 0 $ - -
Salaries 0 - -
Wages
Full-Time Employees 0 - -
Estimated Hours Per Week 40.00
Estimated Rate Per Hour $ 9.00
Part-Time Employees 0 - -
Estimated Hours Per Week 20.00
Estimated Rate Per Hour $ 9.00
Independent Contractors - -
Total Salaries and Wages 0 - -

Payroll Taxes and Benefits

Social Security 6.20% $ 102,000 - -
Medicare 1.45% - -
Federal Unemployment Tax (FUTA) 0.80% $ 7,000 - -
State Unemployment Tax (SUTA) 2.70% $ 7,000 - -
Employee Pension Programs 0.00% - -
Worker's Compensation 0.00% - -
Employee Health Insurance 0.00% - -
Other Employee Benefit Programs 4.00% - -
Total Payroll Taxes and Benefits - -

Total Salaries and Related Expenses - -

If "green" cells have formulas in them to start with and are then overwritten, the dependent calculations will not be correct and will need to be updated manually
 13-Mar-18

Year Two Year Three

3.00% 3.00%

- -
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- -

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need to be updated manually
Enter Your Business Name Here
Fixed Operating Expenses

Fixed Operating Expenses Monthly Year One Year Two Year Three

Percent Change 3.00% 3.00%

Expenses
Advertising $ - - - -
Car and Truck Expenses - - - -
Bank & Merchant Fees - - - -
Contract Labor - - - -
Conferences & Seminars - - - -
Customer Discounts and Refunds - - - -
Dues and Subscriptions - - - -
Miscellaneous - - - -
Insurance (Liability and Property) - - - -
Licenses/Fees/Permits - - - -
Legal and Professional Fees - - - -
Office Expenses & Supplies - - - -
Postage and Delivery - - - -
Rent (on business property) - - - -
Rent of Vehicles and Equipment - - - -
Sales & Marketing - - - -
Taxes-Other - - - -
Telephone and Communications - - - -
Travel - - - -
Utilities - - - -
Total Expenses - - - -

Other Expenses
Depreciation - - - -
Interest
Commercial Loan - - - -
 Commercial Mortgage - - - -
Line of Credit - - - -
Credit Card Debt - - - -
Vehicle Loans - - - -
Other Bank Debt - - - -
Total Other Expenses - - - -

Total Fixed Operating Expenses - - - -

 13-Mar-18

Notes
Enter Your Business Name Here
Projected Sales Forecast

Products and Services Assumptions % Jan Feb Mar Apr May Jun Jul

Product/Service A
Price Per Unit $ - 100.00%
Variable Cost Per Unit $ - 0.00%
Gross Margin Per Unit $ - 0.00%
Projected Unit Sales
Seasonality Factor 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Year One - - - - - - -
Year Two Growth 25.00% - - - - - - -
Year Three Growth 25.00% - - - - - - -
Overhead Exp Allocation 50.00%

Projected Revenue $ -
Variable Costs -
Gross Margin -
Overhead Expenses -
Profit - 0.00%

Breakeven Sales Revenue $ -

Breakeven Sales Units -

Product/Service B
Price Per Unit $ - 100.00%
Variable Cost Per Unit $ - 0.00%
Gross Margin Per Unit $ - 0.00%
Projected Unit Sales
Seasonality Factor 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Year One - - - - - - -
 Year Two Growth 10.00% - - - - - - -
Year Three Growth 10.00% - - - - - - -
Overhead Exp Allocation 16.67%

Projected Revenue $ -
Variable Costs -
Gross Margin -
Overhead Expenses -
Profit - 0.00%

Breakeven Sales Revenue $ -

Breakeven Sales Units -

If "green" cells have formulas in them to start with and are then overwritten, the dependent calculations will not be correct and will need to be updated manually
 13-Mar-18

Aug Sep Oct Nov Dec Totals

0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

- - - - - -
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0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

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be updated manually
Enter Your Business Name Here
Projected Sales Forecast - Page 2

Products and Services Assumptions % Jan Feb Mar Apr May Jun Jul

Product/Service C
Price Per Unit $ - 100.00%
Variable Cost Per Unit $ - 0.00%
Gross Margin Per Unit $ - 0.00%
Projected Unit Sales
Seasonality Factor 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Year One - - - - - - -
Year Two Growth 10.00% - - - - - - -
Year Three Growth 10.00% - - - - - - -
Overhead Exp Allocation 16.67%

Projected Revenue $ -
Variable Costs -
Gross Margin -
Overhead Expenses -
Profit - 0.00%

Breakeven Sales Revenue $ -

Breakeven Sales Units -

Product/Service D
Price Per Unit $ - 100.00%
Variable Cost Per Unit $ - 0.00%
Gross Margin Per Unit $ - 0.00%
Projected Unit Sales
Seasonality Factor 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Year One - - - - - - -
 Year Two Growth 10.00% - - - - - - -
Year Three Growth 10.00% - - - - - - -
Overhead Exp Allocation 16.67%

Projected Revenue $ -
Variable Costs -
Gross Margin -
Overhead Expenses -
Profit - 0.00%

Breakeven Sales Revenue $ -

Breakeven Sales Units -

If "green" cells have formulas in them to start with and are then overwritten, the dependent calculations will not be correct and will need to be updated manually
 13-Mar-18

Aug Sep Oct Nov Dec Totals

0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

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0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

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be updated manually
Enter Your Business Name Here
Cash Receipts and Disbursements

Accounts Receivable Collections

Percent of Collections
0 to 30 days 100.00%
31 to 60 days 0.00%
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 8.00%

Income Tax Assumptions

Effective Income Tax Rate 20.00%
- -
Amortization of Start-Up Expenses - -
Amortization Period in Years 3.00 -
13-Mar-18
Enter Your Business Name Here
Projected Income Statement - Year One

Jan Feb Mar Apr May Jun Jul Aug

Income
Product/Service A - - - - - - - -
Product/Service B - - - - - - - -

Total Income - - - - - - - -

Cost of Sales
Product/Service A - - - - - - - -
Product/Service B - - - - - - - -

Total Cost of Sales - - - - - - - -

Gross Margin - - - - - - - -

Total Salary and Wages - - - - - - - -

Fixed Business Expenses

Advertising - - - - - - - -
Car and Truck Expenses - - - - - - - -
Bank & Merchant Fees - - - - - - - -
Contract Labor - - - - - - - -
Conferences & Seminars - - - - - - - -
Customer Discounts and Refunds - - - - - - - -
Dues and Subscriptions - - - - - - - -
Miscellaneous - - - - - - - -
Insurance (Liability and Property) - - - - - - - -
Licenses/Fees/Permits - - - - - - - -
Legal and Professional Fees - - - - - - - -
Enter Your Business Name Here
Projected Income Statement - Year One

Jan Feb Mar Apr May Jun Jul Aug

Office Expenses & Supplies - - - - - - - -
Postage and Delivery - - - - - - - -
Rent (on business property) - - - - - - - -
Rent of Vehicles and Equipment - - - - - - - -
Sales & Marketing - - - - - - - -
Taxes-Other - - - - - - - -
Telephone and Communications - - - - - - - -
Travel - - - - - - - -
Utilities - - - - - - - -
Total Fixed Business Expenses - - - - - - - -

Other Expenses
Amortized Start-up Expenses - - - - - - - -
Depreciation - - - - - - - -
Interest
Commercial Loan - - - - - - - -
Commercial Mortgage - - - - - - - -
Line of Credit - - - - - - - -
Credit Card Debt - - - - - - - -
Vehicle Loans - - - - - - - -
Other Bank Debt - - - - - - - -
Taxes - - - - - - - -
Total Other Expenses - - - - - - - -

Net Income - - - - - - - -
Sep Oct Nov Dec Totals

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Enter Your Business Name Here
Projected Cash Flow Statement - Year One

Jan Feb Mar Apr May Jun Jul Aug

Beginning Cash Balance - - - - - - - -

Cash Inflows
Income from Sales - - - - - - - -
Accounts Receivable - - - - - - - -
Total Cash Inflows - - - - - - - -

Cash Outflows
Investing Activities
New Fixed Assets Purchases - - - - - - - -
Inventory Addition to Bal.Sheet - - - - - - - -
Cost of Sales - - - - - - - -
Operating Activities
Salaries and Wages - - - - - - - -
Fixed Business Expenses - - - - - - - -
Taxes - - - - - - - -
Financing Activities
Loan Payments - - - - - - - -
Line of Credit Interest - - - - - - - -
Line of Credit Repayments - - - - - - - -
Dividends Paid - - - - - - - -
Total Cash Outflows - - - - - - - -

Cash Flow - - - - - - - -

Operating Cash Balance - - - - - - - -

Line of Credit Drawdowns - - - - - - - -

Ending Cash Balance - - - - - - - -

Enter Your Business Name Here
Projected Cash Flow Statement - Year One

Jan Feb Mar Apr May Jun Jul Aug

Line of Credit Balance - - - - - - - -

Sep Oct Nov Dec Totals

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Sep Oct Nov Dec Totals

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Enter Your Business Name Here
Balance Sheet - Year One

Base Period End of Year One

Assets
Current Assets
Cash - -
Accounts Receivable - -
Inventory - -
Prepaid Expenses - -
Other Current - -
Total Current Assets - -

Fixed Assets
Real Estate-Land - -
Buildings - -
Leasehold Improvements - -
Equipment - -
Furniture and Fixtures - -
Vehicles - -
Other Fixed Assets - -
Total Fixed Assets - -

Less: Accumulated Depreciation - -

Total Assets - -

Liabilities and Owner's Equity

Liabilities
Accounts Payable - -
Loan Payable - -
Mortgage Payable - -
Enter Your Business Name Here
Balance Sheet - Year One

Base Period End of Year One

Credit Card Debt - -
Vehicle Loans - -
Other Bank Debt - -
Line of Credit Balance - -
Total Liabilities - -

Owner's Equity
Common Stock - -
Retained Earnings - -
Dividends Dispersed - -
Total Owner's Equity - -

Total Liabilities and Owner's Equity - -

Statement Balances Statement Balances

Enter Your Business Name Here
Year End Summary

Year One % Year Two %

Income
Product/Service A - -
Product/Service B - -
- -
- -
Total Income - 100.00% - 100.00%

Cost of Sales
Product/Service A - -
Product/Service B - -
- -
- -
Total Cost of Sales - 0.00% - 0.00%

Gross Margin - 0.00% - 0.00%

Total Salary and Wages - 0.00% - 0.00%

Fixed Business Expenses

Advertising - -
Car and Truck Expenses - -
Bank & Merchant Fees - -
Contract Labor - -
Conferences & Seminars - -
Customer Discounts and Refunds - -
Dues and Subscriptions - -
Miscellaneous - -
Insurance (Liability and Property) - -
Licenses/Fees/Permits - -
Legal and Professional Fees - -
Enter Your Business Name Here
Year End Summary

Year One % Year Two %

Office Expenses & Supplies - -
Postage and Delivery - -
Rent (on business property) - -
Rent of Vehicles and Equipment - -
Sales & Marketing - -
Taxes-Other - -
Telephone and Communications - -
Travel - -
Utilities - -
Total Fixed Business Expenses - 0.00% - 0.00%

Operating Income (before Other Expenses) - 0.00% - 0.00%

[EBITDA]

Other Expenses
Amortized Start-up Expenses - -
Depreciation - -
Interest
Commercial Loan - -
Commercial Mortgage - -
Line of Credit - - -
Credit Card Debt - -
Vehicle Loans - -
Other Bank Debt - -
Taxes - -
Total Other Expenses - 0.00% - 0.00%

Net Income - 0.00% - 0.00%

Year Three %

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Enter Your Business Name Here
Projected Income Statement - Year Two

Jan Feb Mar Apr May Jun Jul Aug

Income
Product/Service A - - - - - - - -
Product/Service B - - - - - - - -

Total Income - - - - - - - -

Cost of Sales
Product/Service A - - - - - - - -
Product/Service B - - - - - - - -

Total Cost of Sales - - - - - - - -

Gross Margin - - - - - - - -

Total Salary and Wages - - - - - - - -

Fixed Business Expenses

Advertising - - - - - - - -
Car and Truck Expenses - - - - - - - -
Bank & Merchant Fees - - - - - - - -
Contract Labor - - - - - - - -
Conferences & Seminars - - - - - - - -
Customer Discounts and Refunds - - - - - - - -
Dues and Subscriptions - - - - - - - -
Miscellaneous - - - - - - - -
Insurance (Liability and Property) - - - - - - - -
Licenses/Fees/Permits - - - - - - - -
Legal and Professional Fees - - - - - - - -
Enter Your Business Name Here
Projected Income Statement - Year Two

Jan Feb Mar Apr May Jun Jul Aug

Office Expenses & Supplies - - - - - - - -
Postage and Delivery - - - - - - - -
Rent (on business property) - - - - - - - -
Rent of Vehicles and Equipment - - - - - - - -
Sales & Marketing - - - - - - - -
Taxes-Other - - - - - - - -
Telephone and Communications - - - - - - - -
Travel - - - - - - - -
Utilities - - - - - - - -
Total Fixed Business Expenses - - - - - - - -

Other Expenses
Amortized Start-up Expenses - - - - - - - -
Depreciation - - - - - - - -
Interest
Commercial Loan - - - - - - - -
Commercial Mortgage - - - - - - - -
Line of Credit - - - - - - - -
Credit Card Debt - - - - - - - -
Vehicle Loans - - - - - - - -
Other Bank Debt - - - - - - - -
Taxes - - - - - - - -
Total Other Expenses - - - - - - - -

Net Income - - - - - - - -
Sep Oct Nov Dec Totals

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Enter Your Business Name Here
Projected Cash Flow Statement - Year Two

Jan Feb Mar Apr May Jun Jul Aug

Beginning Cash Balance - - - - - - - -

Cash Inflows
Income from Sales - - - - - - - -
Accounts Receivable - - - - - - - -
Total Cash Inflows - - - - - - - -

Cash Outflows
Investing Activities
New Fixed Assets Purchases - - - - - - - -
Inventory Addition to Bal. Sheet - - - - - - - -
Cost of Sales - - - - - - - -
Operating Activities
Salaries and Wages - - - - - - - -
Fixed Business Expenses - - - - - - - -
Taxes - - - - - - - -
Financing Activities
Loan Payments - - - - - - - -
Line of Credit Interest - - - - - - - -
Line of Credit Repayments - - - - - - - -
Dividends Paid - - - - - - - -
Total Cash Outflows - - - - - - - -

Cash Flow - - - - - - - -

Operating Cash Balance - - - - - - - -

Line of Credit Drawdowns - - - - - - - -

Ending Cash Balance - - - - - - - -

Enter Your Business Name Here
Projected Cash Flow Statement - Year Two

Jan Feb Mar Apr May Jun Jul Aug

Line of Credit Balance - - - - - - - -

Sep Oct Nov Dec Totals

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Sep Oct Nov Dec Totals

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Enter Your Business Name Here
Balance Sheet - Year Two

End of Year One End of Year Two

Assets
Current Assets
Cash - -
Accounts Receivable - -
Inventory - -
Prepaid Expenses - -
Other Current - -
Total Current Assets - -

Fixed Assets
Real Estate-Land - -
Buildings - -
Leasehold Improvements - -
Equipment - -
Furniture and Fixtures - -
Vehicles - -
Other Fixed Assets - -
Total Fixed Assets - -

Less: Accumulated Depreciation - -

Total Assets - -

Liabilities and Owner's Equity

Liabilities
Accounts Payable - -
Notes Payable - -
Mortgage Payable - -
Enter Your Business Name Here
Balance Sheet - Year Two

End of Year One End of Year Two

Credit Card Debt - -
Vehicle Loans - -
Other Bank Debt - -
Line of Credit Balance - -
Total Liabilities - -

Owner's Equity
Common Stock - -
Retained Earnings - -
Dividends Dispersed - -
Total Owner's Equity - -

Total Liabilities and Owner's Equity - -

Statement Balances Statement Balances

Enter Your Business Name Here
Projected Income Statement - Year Three

Jan Feb Mar Apr May Jun Jul Aug

Income
Product/Service A - - - - - - - -
Product/Service B - - - - - - - -

Total Income - - - - - - - -

Cost of Sales
Product/Service A - - - - - - - -
Product/Service B - - - - - - - -

Total Cost of Sales - - - - - - - -

Gross Margin - - - - - - - -

Total Salary and Wages - - - - - - - -

Fixed Business Expenses

Advertising - - - - - - - -
Car and Truck Expenses - - - - - - - -
Bank & Merchant Fees - - - - - - - -
Contract Labor - - - - - - - -
Conferences & Seminars - - - - - - - -
Customer Discounts and Refunds - - - - - - - -
Dues and Subscriptions - - - - - - - -
Miscellaneous - - - - - - - -
Insurance (Liability and Property) - - - - - - - -
Licenses/Fees/Permits - - - - - - - -
Legal and Professional Fees - - - - - - - -
Enter Your Business Name Here
Projected Income Statement - Year Three

Jan Feb Mar Apr May Jun Jul Aug

Office Expenses & Supplies - - - - - - - -
Postage and Delivery - - - - - - - -
Rent (on business property) - - - - - - - -
Rent of Vehicles and Equipment - - - - - - - -
Sales & Marketing - - - - - - - -
Taxes-Other - - - - - - - -
Telephone and Communications - - - - - - - -
Travel - - - - - - - -
Utilities - - - - - - - -
Total Fixed Business Expenses - - - - - - - -

Other Expenses
Amortized Start-up Expenses - - - - - - - -
Depreciation - - - - - - - -
Interest
Commercial Loan - - - - - - - -
Commercial Mortgage - - - - - - - -
Line of Credit - - - - - - - -
Credit Card Debt - - - - - - - -
Vehicle Loans - - - - - - - -
Other Bank Debt - - - - - - - -
Taxes - - - - - - - -
Total Other Expenses - - - - - - - -

Net Income - - - - - - - -
Sep Oct Nov Dec Totals

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Enter Your Business Name Here
Projected Cash Flow Statement - Year Three

Jan Feb Mar Apr May Jun Jul Aug

Beginning Cash Balance - - - - - - - -

Cash Inflows
Income from Sales - - - - - - - -
Accounts Receivable - - - - - - - -
Total Cash Inflows - - - - - - - -

Cash Outflows
Investing Activities
New Fixed Assets Purchases - - - - - - - -
Inventory Addition to Bal.Sheet - - - - - - - -
Cost of Sales - - - - - - - -
Operating Activities
Salaries and Wages - - - - - - - -
Fixed Business Expenses - - - - - - - -
Taxes - - - - - - - -
Financing Activities
Loan Payments - - - - - - - -
Line of Credit Interest - - - - - - - -
Line of Credit Repayments - - - - - - - -
Dividends Paid - - - - - - - -
Total Cash Outflows - - - - - - - -

Cash Flow - - - - - - - -

Operating Cash Balance - - - - - - - -

Line of Credit Drawdowns - - - - - - - -

Ending Cash Balance - - - - - - - -

Enter Your Business Name Here
Projected Cash Flow Statement - Year Three

Jan Feb Mar Apr May Jun Jul Aug

Line of Credit Balance - - - - - - - -

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Enter Your Business Name Here
Balance Sheet - Year Three

End of Year Two End of Year Three

Assets
Current Assets
Cash - -
Accounts Receivable - -
Inventory - -
Prepaid Expenses - -
Other Current - -
Total Current Assets - -

Fixed Assets
Real Estate-Land - -
Buildings - -
Leasehold Improvements - -
Equipment - -
Furniture and Fixtures - -
Vehicles - -
Other Fixed Assets - -
Total Fixed Assets - -

Less: Accumulated Depreciation - -

Total Assets - -

Liabilities and Owner's Equity

Liabilities
Accounts Payable - -
Notes Payable - -
Mortgage Payable - -
Enter Your Business Name Here
Balance Sheet - Year Three

End of Year Two End of Year Three

Credit Card Debt - -
Vehicle Loans - -
Other Bank Debt - -
Line of Credit Balance - -
Total Liabilities - -

Owner's Equity
Common Stock - -
Retained Earnings - -
Dividends Dispersed - -
Total Owner's Equity - -

Total Liabilities and Owner's Equity - -

Statement Balances Statement Balances

Enter Your Business Name Here
Financial Ratios

Ratio Year One Year Two Year Three

Liquidity
Current Ratio 0.0 0.0 0.0
Quick Ratio 0.0 0.0 0.0
Safety
Debt to Equity Ratio 0.0 0.0 0.0
Debt to Coverage Ratio 0.0 0.0 0.0
Profitability
Sales Growth 0.0% 0.0% 0.0%
COGS to Sales 0.0% 0.0% 0.0%
Gross Profit Margin 0.0% 0.0% 0.0%
SG&A to Sales 0.0% 0.0% 0.0%
Net Profit Margin 0.0% 0.0% 0.0%
Return on Equity 0.0% 0.0% 0.0%
Return on Assets 0.0% 0.0% 0.0%
Owner's Compensation to Sales 0.0% 0.0% 0.0%
Efficiency
Days in Receivables 0.0 0.0 0.0
Accounts Receivable Turnover 0.0 0.0 0.0
Days in Inventory 0.0 0.0 0.0
Inventory Turnover 0.0 0.0 0.0
Sales to Total Assets 0.0 0.0 0.0
RMA Industry Norms
Enter Your Business Name Here
Breakeven Analysis

Breakeven Analysis Dollars Percent

Annual Sales Revenue $ - 100.00%
Cost of Sales - 0.00%
Gross Margin - 0.00%

Salaries and Wages -

Fixed Operating Expenses -
Total Fixed Business Expenses -

Breakeven Sales Calculation -

0.00%

Breakeven Sales in Dollars $ -

Enter Your Business Name Here
Amortization Schedule

Loan Type Assumptions Jan Feb Mar Apr May Jun Jul

Commercial Loan
Principal Amount $ -
Interest Rate 7.00%
Loan Term in Months 84.00
Monthly Payment Amount $0.00

Year One
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -
Year Two
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -
Year Three
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -

Commercial Mortgage
Principal Amount $ -
Interest Rate 8.00%
Loan Term in Months 240.00
Monthly Payment Amount $0.00

Year One
Interest - - - - - - -
Principal - - - - - - -
 Loan Balance - - - - - - -
Year Two
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -
Year Three
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -

Credit Card Debt

Principal Amount $ -
Interest Rate 7.00%
Loan Term in Months 60.00
Monthly Payment Amount $0.00

Year One
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -
Year Two
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -
Year Three
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -

Vehicle Loans
Principal Amount $ -
Interest Rate 6.00%
Loan Term in Months 48.00
Monthly Payment Amount $0.00
 Year One
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -
Year Two
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -
Year Three
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -

Other Bank Debt

Principal Amount $ -
Interest Rate 5.00%
Loan Term in Months 36.00
Monthly Payment Amount $0.00

Year One
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -
Year Two
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -
Year Three
Interest - - - - - - -
Principal - - - - - - -
Loan Balance - - - - - - -
Aug Sep Oct Nov Dec Totals

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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 0.0% Owner's injection might be too low in relation to the amount of money needed
Cash Request as percent of Total Required Funds 0.0% Cash request seems reasonable with respect to total request

Loan Assumptions
Commercial Loan Interest rate 7.0% Interest rate seems reasonable
Commercial Loan Term in Months 84 Loan term seems within range for this type of loan

Commercial Mortgage Interest rate 8.0% Interest rate seems reasonable

Commercial Mortgage Term in Months 240 Loan term seems within range for this type of loan

Loan Payments as a Percent of Projected Sales 0.0% Calculated loan payments as a percent of sales seem resonable

Income Statement
Gross Margin as a Percent of Sales 0.0% Gross margin percentage seems very low
Owner's Compensation Lower Limit Check $ - An owner's compensation amount has not been established
Owner's Compensation Upper Limit Check 0.0% Owner's compensation seems reasonable
Advertising Expense Levels as a Percent of Sales 0.0% Advertising as a percent of sales may be too low
Profitability Levels $ - The business is showing a profit
Profitability as a Percent of Sales 0.0% The projection does not seem highly unreasonable

Cash Flow Statement

Desired Operating cash Flow Levels $ - The financial projection provides the desired level of cash flow
Line of Credit Drawdowns $ - The business doesn't seem to require a line of credit
Accounts Receivable Ratio to Sales 0.0% Accounts receivable amount as a percent of sales seems reasonable
Balance Sheet
Does the Base Period Balance Sheet Balance? - The balance sheet does balance
Does the Final Balance Sheet Balance - The balance sheet does balance
Debt to Equity Ratio 0.0% The debt to equity ratio seems reasonable

Breakeven Analysis
Breakeven Levels $ - The sales projection is less than the break-even amount
relation to the amount of money needed
respect to total request

nt of sales seem resonable

s not been established

desired level of cash flow

a line of credit
cent of sales seems reasonable
reak-even amount