Plan Outline
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SIC 1542 Building Cnstrctn - General Contractors & Operative Builders - Nonresidential construction, nec
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Construction Business Plan
Fosse Commercial Contractors
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Appendix
| Sales Forecast | |||||||||||||
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | ||
| Sales | |||||||||||||
| New Construction | 0% | $12,170 | $13,170 | $17,909 | $19,539 | $21,777 | $21,410 | $27,615 | $28,966 | $28,366 | $23,163 | $18,842 | $14,635 |
| Repair work | 0% | $12,777 | $14,555 | $16,909 | $19,539 | $20,285 | $21,410 | $25,615 | $33,111 | $28,366 | $23,163 | $18,842 | $15,842 |
| Alteration work | 0% | $14,222 | $12,170 | $16,909 | $19,539 | $20,285 | $21,410 | $25,615 | $30,861 | $28,366 | $23,163 | $18,842 | $14,378 |
| Total Sales | $39,169 | $39,895 | $51,727 | $58,617 | $62,347 | $64,230 | $78,845 | $92,938 | $85,098 | $69,489 | $56,526 | $44,855 | |
| Direct Cost of Sales | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
| New Construction | $8,580 | $9,285 | $12,626 | $13,775 | $15,353 | $15,094 | $19,469 | $20,421 | $19,998 | $17,372 | $13,849 | $10,976 | |
| Repair work | $9,008 | $10,261 | $11,921 | $15,338 | $15,924 | $15,094 | $18,059 | $23,343 | $21,275 | $16,330 | $13,284 | $11,169 | |
| Alteration work | $10,027 | $8,580 | $11,921 | $15,338 | $15,924 | $15,094 | $18,059 | $21,757 | $21,275 | $16,330 | $13,284 | $10,136 | |
| Subtotal Direct Cost of Sales | $27,614 | $28,126 | $36,468 | $44,451 | $47,200 | $45,282 | $55,586 | $65,521 | $62,547 | $50,032 | $40,416 | $32,281 | |
| Personnel Plan | |||||||||||||
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | ||
| Mr. Robert Fosse, CEO | 0% | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 |
| Mr. David West, General Project Manager | 0% | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 | $3,500 |
| Mrs. Janet Fosse, Office Manager | 0% | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 |
| Job Supervisor | 0% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Temporary employees | 0% | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 |
| Total People | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | |
| Total Payroll | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | |
| General Assumptions | |||||||||||||
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | ||
| Plan Month | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | |
| Current Interest Rate | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | |
| Long-term Interest Rate | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | |
| Tax Rate | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | |
| Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Pro Forma Profit and Loss | |||||||||||||
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | ||
| Sales | $39,169 | $39,895 | $51,727 | $58,617 | $62,347 | $64,230 | $78,845 | $92,938 | $85,098 | $69,489 | $56,526 | $44,855 | |
| Direct Cost of Sales | $27,614 | $28,126 | $36,468 | $44,451 | $47,200 | $45,282 | $55,586 | $65,521 | $62,547 | $50,032 | $40,416 | $32,281 | |
| Other Costs of Sales | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Total Cost of Sales | $27,614 | $28,126 | $36,468 | $44,451 | $47,200 | $45,282 | $55,586 | $65,521 | $62,547 | $50,032 | $40,416 | $32,281 | |
| Gross Margin | $11,555 | $11,769 | $15,259 | $14,166 | $15,147 | $18,948 | $23,259 | $27,417 | $22,551 | $19,457 | $16,110 | $12,574 | |
| Gross Margin % | 29.50% | 29.50% | 29.50% | 24.17% | 24.29% | 29.50% | 29.50% | 29.50% | 26.50% | 28.00% | 28.50% | 28.03% | |
| Expenses | |||||||||||||
| Payroll | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | |
| Sales and Marketing and Other Expenses | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | |
| Depreciation | $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 | |
| Utilities | $110 | $110 | $110 | $110 | $110 | $110 | $110 | $110 | $110 | $110 | $110 | $110 | |
| Insurance | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | $300 | |
| Payroll Taxes | 15% | $2,250 | $2,250 | $2,250 | $2,250 | $2,250 | $2,250 | $2,250 | $2,250 | $2,250 | $2,250 | $2,250 | $2,250 |
| Other | $0 | $200 | $500 | $0 | $500 | $0 | $0 | $500 | $500 | $0 | $0 | $0 | |
| Total Operating Expenses | $17,860 | $18,060 | $18,360 | $17,860 | $18,360 | $17,860 | $17,860 | $18,360 | $18,360 | $17,860 | $17,860 | $17,860 | |
| Profit Before Interest and Taxes | ($6,305) | ($6,291) | ($3,101) | ($3,694) | ($3,213) | $1,088 | $5,399 | $9,057 | $4,191 | $1,597 | ($1,750) | ($5,286) | |
| EBITDA | ($6,305) | ($6,291) | ($3,101) | ($3,694) | ($3,213) | $1,088 | $5,399 | $9,057 | $4,191 | $1,597 | ($1,750) | ($5,286) | |
| Interest Expense | $320 | $314 | $309 | $304 | $299 | $294 | $289 | $284 | $279 | $274 | $269 | $264 | |
| Taxes Incurred | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Net Profit | ($6,625) | ($6,605) | ($3,410) | ($3,999) | ($3,512) | $794 | $5,111 | $8,773 | $3,912 | $1,323 | ($2,019) | ($5,550) | |
| Net Profit/Sales | -16.92% | -16.56% | -6.59% | -6.82% | -5.63% | 1.24% | 6.48% | 9.44% | 4.60% | 1.90% | -3.57% | -12.37% | |
| Pro Forma Cash Flow | |||||||||||||
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | ||
| Cash Received | |||||||||||||
| Cash from Operations | |||||||||||||
| Cash Sales | $25,460 | $25,932 | $33,623 | $38,101 | $40,526 | $41,750 | $51,249 | $60,410 | $55,314 | $45,168 | $36,742 | $29,156 | |
| Cash from Receivables | $11,579 | $12,035 | $13,718 | $14,101 | $18,185 | $20,559 | $21,843 | $22,651 | $27,760 | $32,437 | $29,602 | $24,170 | |
| Subtotal Cash from Operations | $37,038 | $37,967 | $47,340 | $52,202 | $58,710 | $62,309 | $73,093 | $83,061 | $83,074 | $77,605 | $66,344 | $53,326 | |
| Additional Cash Received | |||||||||||||
| Sales Tax, VAT, HST/GST Received | 0.00% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| New Current Borrowing | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| New Other Liabilities (interest-free) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| New Long-term Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Sales of Other Current Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Sales of Long-term Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| New Investment Received | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Subtotal Cash Received | $37,038 | $37,967 | $47,340 | $52,202 | $58,710 | $62,309 | $73,093 | $83,061 | $83,074 | $77,605 | $66,344 | $53,326 | |
| Expenditures | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
| Expenditures from Operations | |||||||||||||
| Cash Spending | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | |
| Bill Payments | $25,998 | $18,420 | $32,638 | $49,549 | $56,314 | $53,631 | $47,117 | $70,403 | $79,521 | $62,130 | $39,185 | $32,750 | |
| Subtotal Spent on Operations | $40,998 | $33,420 | $47,638 | $64,549 | $71,314 | $68,631 | $62,117 | $85,403 | $94,521 | $77,130 | $54,185 | $47,750 | |
| Additional Cash Spent | |||||||||||||
| Sales Tax, VAT, HST/GST Paid Out | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Principal Repayment of Current Borrowing | $400 | $500 | $400 | $400 | $500 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | |
| Other Liabilities Principal Repayment | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Long-term Liabilities Principal Repayment | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | $200 | |
| Purchase Other Current Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Purchase Long-term Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Dividends | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Subtotal Cash Spent | $41,598 | $34,120 | $48,238 | $65,149 | $72,014 | $69,231 | $62,717 | $86,003 | $95,121 | $77,730 | $54,785 | $48,350 | |
| Net Cash Flow | ($4,560) | $3,847 | ($898) | ($12,947) | ($13,304) | ($6,922) | $10,375 | ($2,942) | ($12,048) | ($125) | $11,559 | $4,976 | |
| Cash Balance | $35,868 | $39,715 | $38,816 | $25,870 | $12,566 | $5,644 | $16,020 | $13,078 | $1,030 | $905 | $12,464 | $17,440 | |
| Pro Forma Balance Sheet | |||||||||||||
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | ||
| Assets | Starting Balances | ||||||||||||
| Current Assets | |||||||||||||
| Cash | $40,428 | $35,868 | $39,715 | $38,816 | $25,870 | $12,566 | $5,644 | $16,020 | $13,078 | $1,030 | $905 | $12,464 | $17,440 |
| Accounts Receivable | $23,157 | $25,288 | $27,215 | $31,602 | $38,017 | $41,654 | $43,575 | $49,327 | $59,204 | $61,228 | $53,113 | $43,295 | $34,824 |
| Inventory | $43,220 | $30,376 | $30,939 | $40,114 | $48,896 | $51,920 | $49,810 | $61,144 | $72,073 | $68,802 | $55,035 | $44,458 | $35,509 |
| Other Current Assets | $37,991 | $37,991 | $37,991 | $37,991 | $37,991 | $37,991 | $37,991 | $37,991 | $37,991 | $37,991 | $37,991 | $37,991 | $37,991 |
| Total Current Assets | $144,796 | $129,522 | $135,860 | $148,524 | $150,774 | $144,131 | $137,020 | $164,482 | $182,347 | $169,051 | $147,044 | $138,207 | $125,764 |
| Long-term Assets | |||||||||||||
| Long-term Assets | $20,421 | $20,421 | $20,421 | $20,421 | $20,421 | $20,421 | $20,421 | $20,421 | $20,421 | $20,421 | $20,421 | $20,421 | $20,421 |
| Accumulated Depreciation | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 |
| Total Long-term Assets | $12,421 | $12,421 | $12,421 | $12,421 | $12,421 | $12,421 | $12,421 | $12,421 | $12,421 | $12,421 | $12,421 | $12,421 | $12,421 |
| Total Assets | $157,217 | $141,943 | $148,281 | $160,945 | $163,195 | $156,552 | $149,441 | $176,903 | $194,768 | $181,472 | $159,465 | $150,628 | $138,185 |
| Liabilities and Capital | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
| Current Liabilities | |||||||||||||
| Accounts Payable | $25,400 | $17,352 | $30,995 | $47,669 | $54,518 | $52,087 | $44,782 | $67,733 | $77,424 | $60,817 | $38,086 | $31,868 | $25,575 |
| Current Borrowing | $20,000 | $19,600 | $19,100 | $18,700 | $18,300 | $17,800 | $17,400 | $17,000 | $16,600 | $16,200 | $15,800 | $15,400 | $15,000 |
| Other Current Liabilities | $21,677 | $21,677 | $21,677 | $21,677 | $21,677 | $21,677 | $21,677 | $21,677 | $21,677 | $21,677 | $21,677 | $21,677 | $21,677 |
| Subtotal Current Liabilities | $67,077 | $58,629 | $71,772 | $88,046 | $94,495 | $91,564 | $83,859 | $106,410 | $115,701 | $98,694 | $75,563 | $68,945 | $62,252 |
| Long-term Liabilities | $19,039 | $18,839 | $18,639 | $18,439 | $18,239 | $18,039 | $17,839 | $17,639 | $17,439 | $17,239 | $17,039 | $16,839 | $16,639 |
| Total Liabilities | $86,116 | $77,468 | $90,411 | $106,485 | $112,734 | $109,603 | $101,698 | $124,049 | $133,140 | $115,933 | $92,602 | $85,784 | $78,891 |
| Paid-in Capital | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Retained Earnings | $71,101 | $71,101 | $71,101 | $71,101 | $71,101 | $71,101 | $71,101 | $71,101 | $71,101 | $71,101 | $71,101 | $71,101 | $71,101 |
| Earnings | $0 | ($6,625) | ($13,231) | ($16,641) | ($20,640) | ($24,152) | ($23,357) | ($18,247) | ($9,474) | ($5,561) | ($4,238) | ($6,257) | ($11,807) |
| Total Capital | $71,101 | $64,476 | $57,870 | $54,460 | $50,461 | $46,949 | $47,744 | $52,854 | $61,627 | $65,540 | $66,863 | $64,844 | $59,294 |
| Total Liabilities and Capital | $157,217 | $141,943 | $148,281 | $160,945 | $163,195 | $156,552 | $149,441 | $176,903 | $194,768 | $181,472 | $159,465 | $150,628 | $138,185 |
| Net Worth | $71,101 | $64,476 | $57,870 | $54,460 | $50,461 | $46,949 | $47,744 | $52,854 | $61,627 | $65,540 | $66,863 | $64,844 | $59,294 |
