BUSINESS PLAN

I. BACKGROUND INFORMATION

1. Business Title: ____________________________________

2. Business Type:
Retailing Agro-industry Wholesaling
Agro-forestry Services
Others(specify)___________________
3. Business Location: ____________________________________
4. Business Status:
New Business Diversion
Expansion New Product
5. Description of Business Operandi:
______________________________________________________________________
______________________________________________________________________
______________________________________________________________________
______________________________________________________________________
______________________________________________________________________
______________.

6. Type of Business Entity:

Single Proprietorship Partnership Corporation Cooperative
Others (specify) ______________________________

7. Entrepreneur’s Profile: (Each member should fill in. Write n/a if not applicable)
Name: ____________________________________
Address: ____________________________________
Cellphone number: ___________________________
Spouse: ____________________________________
Children: ____________________________________
SSS No.: _____________ TIN: __________________

Name: ____________________________________
Address: ____________________________________
Cellphone number: ___________________________
Spouse: ____________________________________
Children: ____________________________________
SSS No.: _____________ TIN: __________________

Name: ____________________________________
Address: ____________________________________
Cellphone number: ___________________________
Spouse: ____________________________________
Children: ____________________________________
SSS No.: _____________ TIN: __________________
Name: ____________________________________
Address: ____________________________________
Cellphone number: ___________________________
Spouse: ____________________________________
Children: ____________________________________
SSS No.: _____________ TIN: __________________

Name: ____________________________________
Address: ____________________________________
Cellphone number: ___________________________
Spouse: ____________________________________
Children: ____________________________________
SSS No.: _____________ TIN: __________________

Name: ____________________________________
Address: ____________________________________
Cellphone number: ___________________________
Spouse: ____________________________________
Children: ____________________________________
SSS No.: _____________ TIN: __________________

Name: ____________________________________
Address: ____________________________________
Cellphone number: ___________________________
Spouse: ____________________________________
Children: ____________________________________
SSS No.: _____________ TIN: __________________

8. Business Objectives:
______________________________________________________________________
______________________________________________________________________
______________________________________________________________________
______________________________________________________________________
______________________________________________________________________

9. Capital Requirements:
Total Amount: ____________

10. Sources of Capital:

Equity: _________
Loans: _________
II. MARKETING ASPECT

A. Product Description:
1. Product Description: _________________________________
2. What are its uses: ____________________________________
3. What are its possible substitutes: ________________________
4. What are its advantages compared to competition, in terms of:
Quality: _________________________________________
Price: __________________________________________

B. Target Customers:
1. Who are the main customers? ______________________________
2. Why are they chosen? ____________________________________
3. What are the Customer Classification and profitable percentage sale for
each?
A1, Ultra Rich = ___% B2, Lower Middle Class = ___%
A2, Rich = ___% C1, Poor = ___%
B1, Higher Middle Class = ___% C2, Very Poor = ___%

4. Frequency of Buying:
Daily Six Months Average
Weekly Every Cycle
Monthly Seasonal/Occasional

C. Competition
1. Who are your competitors?
a. __________
b. __________
c. __________
2. What are your advantages against your competitors?
A. __________
a. __________
b. __________
B. __________
a. __________
b. __________
C. __________
a. __________
b. __________

D. Terms of Sales

1. Sales terms used by competitors:

Cash Credit with PDC Credit with ___ % DP
Installments Others (specify)
 2. What term would you adopt? _______________________________

E. Market Share:

Projected Percentage Volume Amount

Market Share:
In the 1st Year ____% ____% ____%
In the 3rd Year ____% ____% ____%
In the 5th Year ____% ____% ____%
III. PROJECTED SALES

Schedule 1
Customer Item Quantity Unit Price Amount
__________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________

Total Projected Sales:

Daily - ₱_____
Weekly - ₱_____
Monthly - ₱_____
Per Cycle - ₱_____
Yearly - ₱_____

IV. SOURCES OF MATERIALS

1. Sources of Materials you intend to sell: ___________________________

2. Who are the suppliers of your materials: ___________________________
3. What are the terms of your payments: ____________________________
4. Are the materials always available: ______________________________
5. Alternative suppliers: _________________________________________

V. COST OF DIRECT MATERIALS

Schedule 2

Suppliers Materials Quantity Unit Price Amount

__________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________

Total Cost of Materials:

Daily - ₱_____
Weekly - ₱_____
Monthly - ₱_____
Per Cycle - ₱_____
Yearly - ₱_____
VI. LABOR
1. Skills and qualifications required by the business:
___________________________________________________________________
___________________________________________________________________
___________________________________________

2. Availability of required skills/ qualifications in the area:

___________________________________________________________________
___________________________________________________________________
___________________________________________

3. Alternative sources of skills/qualifications:

___________________________________________________________________
___________________________________________________________________
___________________________________________

4. How much will be paid for such skills/ qualifications:

___________________________________________________________________
___________________________________________________________________
___________________________________________

VII. LABOR COST Schedule 3

Job Title Department Number Salary/ Wages Amount

__________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________
___________ ___________ ___________ ___________ ___________

Total Labor Cost:

Daily - ₱_____
Weekly - ₱_____
Monthly - ₱_____
Per Cycle - ₱_____
Yearly - ₱_____
VIII. OVERHEAD EXPENSES

Schedule 4

Production- related Expenses Amount

Rentals PhP________________
Transportation PhP________________
Repair and Maintenance PhP________________
Fuel, Oils and Lubes PhP________________
Light and Water PhP________________
Telephone PhP________________
Insurance PhP________________

Total Overhead Expenses:

Monthly- PhP ________
Yearly- PhP ________

IX. FIXED ASSETS

Schedule 5

1. Properties, Plant and Equipment

Fixed Assets Acquisition Cost Useful Life Yearly
Depreciation
__________ ___________ ___________ ___________
___________ ___________ ___________ ___________
___________ ___________ ___________ ___________
___________ ___________ ___________ ___________
___________ ___________ ___________ ___________

Total: _________________

2. Plant Layout and Production Process Flow:

X. PRE-OPERATING EXPENSES

Schedule 6
1. Pre-operating Requirements

Expenses Amount
Business Plan Preparation PhP________________
Licenses and Registration PhP________________
Skills and Management Training PhP________________
Transport Costs PhP________________
Trial Production Costs PhP________________
Meals and Entertainment PhP________________
Other expenses before operation PhP________________
Total Pre-operating Expenses PhP________________

XI. ADMINISTRATIVE EXPENSES

Schedule 7
Expenses Amount
Salaries and Wages PhP________________
Telephone PhP________________
Office Supplies PhP________________
Rentals PhP________________
Electricity and Water PhP________________
Representation and Entertainment PhP________________
Transportation PhP________________
Total Administrative Cost PhP________________
Monthly: PhP________________
Yearly: PhP________________
XII. BUDGET

Budget Items Loan Equity Total

1. Working Capital: PhP ______ PhP ______ PhP ______
Materials Cost PhP ______ PhP ______ PhP ______
Labor Cost PhP ______ PhP ______ PhP ______
Overhead Cost PhP ______ PhP ______ PhP ______
Administrative Cost PhP ______ PhP ______ PhP ______
Total Cost: PhP ______

2. Fixed Investment: Loan Equity Total

Land PhP ______ PhP ______ PhP ______
Building PhP ______ PhP ______ PhP ______
Machinery PhP ______ PhP ______ PhP ______
Equipment PhP ______ PhP ______ PhP ______
Office Equipment PhP ______ PhP ______ PhP ______
Total Cost: PhP ______

Loan Equity Total

3. Pre-Operating Cost: PhP ______ PhP ______ PhP ______

Total Cost: PhP ______ PhP ______ PhP ______

XIII. TOTAL PROJECT COST

1. Amount to be loaned PhP _____________

2. Amount of equity PhP _____________
3. Total Project Cost PhP _____________
4. Market Value of Collateral PhP _____________

Collateral Appraised Value Loanable Amount

XIV. SCHEDULE OF LOAN PAYMENT

LOAN REPAYMENT SCHEDULE

Year Loan Principal Interest Annual Ending
Principal Installment Payment Payment Principal
Beginning Payment ____% Balance

1 PhP______ PhP______ PhP______ PhP______ PhP______

2 PhP______ PhP______ PhP______ PhP______ PhP______
3 PhP______ PhP______ PhP______ PhP______ PhP______
4 PhP______ PhP______ PhP______ PhP______ PhP______
5 PhP______ PhP______ PhP______ PhP______ PhP______
XV. PROJECTED INCOME STATEMENT
Year 1 Year 2 Year 3 Year 4 Year 5
Sales (Schedule 1) PhP ______ PhP ______ PhP ______ PhP ______ PhP ______
Less: Cost of Sales
Direct Materials (Schedule 2)
Direct Labor (Schedule 3)
Overhead Cost (Schedule 4)
Gross Profit PhP ______ PhP ______ PhP ______ PhP ______ PhP ______
Less: Pre-operating (Schedule 6)
Admin Cost (Schedule 7)
Interest on Loan
Net Profit before Tax PhP ______ PhP ______ PhP ______ PhP ______ PhP ______
Less: Income Tax
Net Profit after Tax PhP ______ PhP ______ PhP ______ PhP ______ PhP ______
XVI. PROJECTED CASH FLOW STATEMENT
Pre-operating Year 1 Year 2 Year 3 Year 4 Year 5
CASH FLOW

Capital/ Equity PhP _________ _________ _________ _________ _________ _________

Loans _________ _________ _________ _________ _________ _________
Cash Sales _________ _________ _________ _________ _________ _________
Collections of Acc. Rec _________ _________ _________ _________ _________ _________
Other Income _________ _________ _________ _________ _________ _________
Interest Earning _________ _________ _________ _________ _________ _________

Total Cash In-flow PhP _________ _________ _________ _________ _________ _________

CASH OUTFLOW

Tax Payments PhP _________ _________ _________ _________ _________ _________

Pre-operating Expense _________ _________ _________ _________ _________ _________
Purchase of Fixed Assets _________ _________ _________ _________ _________ _________
Direct Materials _________ _________ _________ _________ _________ _________
Direct Labor _________ _________ _________ _________ _________ _________
Overhead Expense _________ _________ _________ _________ _________ _________
Interest on Loans _________ _________ _________ _________ _________ _________
Loan Amortization _________ _________ _________ _________ _________ _________

Total Cash Out-flow PhP _________ _________ _________ _________ _________ _________

Net Cash In-Flow/ Out-Flow _________ _________ _________ _________ _________ _________

Cash Balance Beginning _________ _________ _________ _________ _________ _________

XVII. PROJECTED BALANCE SHEET

Pre-operating Year 1 Year 2 Year 3 Year 4 Year 5

ASSET

Capital PhP _________ _________ _________ _________ _________ _________

Marketable Securities _________ _________ _________ _________ _________ _________
Accounts Receivable _________ _________ _________ _________ _________ _________
Inventory _________ _________ _________ _________ _________ _________
Total Current Assets _________ _________ _________ _________ _________ _________

Property, Plant, Eqpt _________ _________ _________ _________ _________ _________

Land
Building _________ _________ _________ _________ _________ _________
Less: Depreciation
Net Fixed Assets

Other Assets _________ _________ _________ _________ _________ _________

Pre-operating _________ _________ _________ _________ _________ _________
Investments _________ _________ _________ _________ _________ _________

Total Assets PhP _________ _________ _________ _________ _________ _________

LIABILITIES _________ _________ _________ _________ _________ _________

Accounts Payable PhP _________ _________ _________ _________ _________ _________

Tax Payable _________ _________ _________ _________ _________ _________
Loans Payable _________ _________ _________ _________ _________ _________
Current Liabilities

Total Liabilities PhP _________ _________ _________ _________ _________ _________

OWNERS’ CAPITAL/ EQUITY

Owner’s Capital/ Equity PhP _________ _________ _________ _________ _________ _________
Retained Earnings
Less: Dividend _________ _________ _________ _________ _________ _________
Net Equity _________ _________ _________ _________ _________ _________

TOTAL LIABILITIES AND _________ _________ _________ _________ _________ _________

OWNERS EQUITY PhP