Plan Outline
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SIC 5122 Wholesale Trade - Nondurable Goods - Drugs, proprietaries, and sundries
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Cosmetic Herbal Sundries Business Plan
Gentle Touch Creations
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Appendix
| Sales Forecast | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Sales | |||||||||||||
| Herbal Products | 0% | $0 | $10,000 | $12,000 | $14,000 | $18,000 | $22,000 | $26,000 | $36,000 | $40,000 | $36,000 | $32,000 | $36,000 |
| Other | 0% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Sales | $0 | $10,000 | $12,000 | $14,000 | $18,000 | $22,000 | $26,000 | $36,000 | $40,000 | $36,000 | $32,000 | $36,000 | |
| Direct Cost of Sales | Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | |
| Herbal Products | $0 | $5,000 | $6,000 | $7,000 | $9,000 | $11,000 | $13,000 | $18,000 | $20,000 | $18,000 | $16,000 | $18,000 | |
| Other | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Subtotal Direct Cost of Sales | $0 | $5,000 | $6,000 | $7,000 | $9,000 | $11,000 | $13,000 | $18,000 | $20,000 | $18,000 | $16,000 | $18,000 | |
| Personnel Plan | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Joanne Lovejoy | 0% | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 | $2,500 |
| 2 Production Staff | 0% | $3,400 | $3,400 | $3,400 | $3,400 | $3,400 | $3,400 | $3,400 | $3,400 | $3,400 | $3,400 | $3,400 | $3,400 |
| P/T Production Staff | 0% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total People | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |
| Total Payroll | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | |
| General Assumptions | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| 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 | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Sales | $0 | $10,000 | $12,000 | $14,000 | $18,000 | $22,000 | $26,000 | $36,000 | $40,000 | $36,000 | $32,000 | $36,000 | |
| Direct Cost of Sales | $0 | $5,000 | $6,000 | $7,000 | $9,000 | $11,000 | $13,000 | $18,000 | $20,000 | $18,000 | $16,000 | $18,000 | |
| Other Production Expenses | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Total Cost of Sales | $0 | $5,000 | $6,000 | $7,000 | $9,000 | $11,000 | $13,000 | $18,000 | $20,000 | $18,000 | $16,000 | $18,000 | |
| Gross Margin | $0 | $5,000 | $6,000 | $7,000 | $9,000 | $11,000 | $13,000 | $18,000 | $20,000 | $18,000 | $16,000 | $18,000 | |
| Gross Margin % | 0.00% | 50.00% | 50.00% | 50.00% | 50.00% | 50.00% | 50.00% | 50.00% | 50.00% | 50.00% | 50.00% | 50.00% | |
| Expenses | |||||||||||||
| Payroll | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | |
| Sales and Marketing and Other Expenses | $380 | $380 | $380 | $380 | $380 | $380 | $380 | $230 | $230 | $380 | $380 | $380 | |
| Depreciation | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | |
| Leased Equipment | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Utilities | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | $400 | |
| Insurance | $650 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Rent | $600 | $600 | $600 | $600 | $600 | $600 | $600 | $600 | $600 | $600 | $600 | $600 | |
| Payroll Taxes | 15% | $885 | $885 | $885 | $885 | $885 | $885 | $885 | $885 | $885 | $885 | $885 | $885 |
| Other | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Total Operating Expenses | $9,215 | $8,565 | $8,565 | $8,565 | $8,565 | $8,565 | $8,565 | $8,415 | $8,415 | $8,565 | $8,565 | $8,565 | |
| Profit Before Interest and Taxes | ($9,215) | ($3,565) | ($2,565) | ($1,565) | $435 | $2,435 | $4,435 | $9,585 | $11,585 | $9,435 | $7,435 | $9,435 | |
| EBITDA | ($8,815) | ($3,165) | ($2,165) | ($1,165) | $835 | $2,835 | $4,835 | $9,985 | $11,985 | $9,835 | $7,835 | $9,835 | |
| Interest Expense | $411 | $405 | $399 | $393 | $388 | $482 | $472 | $462 | $452 | $442 | $432 | $422 | |
| Taxes Incurred | ($2,888) | ($1,191) | ($889) | ($588) | $14 | $586 | $1,189 | $2,737 | $3,340 | $2,698 | $2,101 | $2,704 | |
| Net Profit | ($6,738) | ($2,779) | ($2,075) | ($1,371) | $33 | $1,367 | $2,774 | $6,386 | $7,793 | $6,295 | $4,902 | $6,309 | |
| Net Profit/Sales | 0.00% | -27.79% | -17.29% | -9.79% | 0.18% | 6.22% | 10.67% | 17.74% | 19.48% | 17.49% | 15.32% | 17.53% | |
| Pro Forma Cash Flow | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Cash Received | |||||||||||||
| Cash from Operations | |||||||||||||
| Cash Sales | $0 | $2,500 | $3,000 | $3,500 | $4,500 | $5,500 | $6,500 | $9,000 | $10,000 | $9,000 | $8,000 | $9,000 | |
| Cash from Receivables | $0 | $0 | $250 | $7,550 | $9,050 | $10,600 | $13,600 | $16,600 | $19,750 | $27,100 | $29,900 | $26,900 | |
| Subtotal Cash from Operations | $0 | $2,500 | $3,250 | $11,050 | $13,550 | $16,100 | $20,100 | $25,600 | $29,750 | $36,100 | $37,900 | $35,900 | |
| 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 | $12,000 | $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 | $0 | $2,500 | $3,250 | $11,050 | $13,550 | $28,100 | $20,100 | $25,600 | $29,750 | $36,100 | $37,900 | $35,900 | |
| Expenditures | Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | |
| Expenditures from Operations | |||||||||||||
| Cash Spending | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | $5,900 | |
| Bill Payments | $15 | $656 | $7,042 | $8,918 | $10,294 | $13,956 | $16,619 | $19,449 | $28,790 | $27,877 | $21,118 | $18,831 | |
| Subtotal Spent on Operations | $5,915 | $6,556 | $12,942 | $14,818 | $16,194 | $19,856 | $22,519 | $25,349 | $34,690 | $33,777 | $27,018 | $24,731 | |
| 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 | $0 | $0 | $0 | $0 | $0 | $0 | $500 | $500 | $500 | $500 | $500 | $500 | |
| Other Liabilities Principal Repayment | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Long-term Liabilities Principal Repayment | $700 | $700 | $700 | $700 | $700 | $700 | $700 | $700 | $700 | $700 | $700 | $700 | |
| 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 | $6,615 | $7,256 | $13,642 | $15,518 | $16,894 | $20,556 | $23,719 | $26,549 | $35,890 | $34,977 | $28,218 | $25,931 | |
| Net Cash Flow | ($6,615) | ($4,756) | ($10,392) | ($4,468) | ($3,344) | $7,544 | ($3,619) | ($949) | ($6,140) | $1,123 | $9,682 | $9,969 | |
| Cash Balance | $26,785 | $22,029 | $11,637 | $7,169 | $3,825 | $11,369 | $7,750 | $6,802 | $662 | $1,785 | $11,467 | $21,436 | |
| Pro Forma Balance Sheet | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Assets | Starting Balances | ||||||||||||
| Current Assets | |||||||||||||
| Cash | $33,400 | $26,785 | $22,029 | $11,637 | $7,169 | $3,825 | $11,369 | $7,750 | $6,802 | $662 | $1,785 | $11,467 | $21,436 |
| Accounts Receivable | $0 | $0 | $7,500 | $16,250 | $19,200 | $23,650 | $29,550 | $35,450 | $45,850 | $56,100 | $56,000 | $50,100 | $50,200 |
| Inventory | $5,000 | $5,000 | $5,500 | $6,600 | $7,700 | $9,900 | $12,100 | $14,300 | $19,800 | $22,000 | $19,800 | $17,600 | $19,800 |
| Other Current Assets | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 |
| Total Current Assets | $43,400 | $36,785 | $40,029 | $39,487 | $39,069 | $42,375 | $58,019 | $62,500 | $77,452 | $83,762 | $82,585 | $84,167 | $96,436 |
| Long-term Assets | |||||||||||||
| Long-term Assets | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 |
| Accumulated Depreciation | $0 | $400 | $800 | $1,200 | $1,600 | $2,000 | $2,400 | $2,800 | $3,200 | $3,600 | $4,000 | $4,400 | $4,800 |
| Total Long-term Assets | $15,000 | $14,600 | $14,200 | $13,800 | $13,400 | $13,000 | $12,600 | $12,200 | $11,800 | $11,400 | $11,000 | $10,600 | $10,200 |
| Total Assets | $58,400 | $51,385 | $54,229 | $53,287 | $52,469 | $55,375 | $70,619 | $74,700 | $89,252 | $95,162 | $93,585 | $94,767 | $106,636 |
| Liabilities and Capital | Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | |
| Current Liabilities | |||||||||||||
| Accounts Payable | $0 | $423 | $6,746 | $8,579 | $9,832 | $13,405 | $15,982 | $18,488 | $27,853 | $27,170 | $20,498 | $17,978 | $24,738 |
| Current Borrowing | $0 | $0 | $0 | $0 | $0 | $0 | $12,000 | $11,500 | $11,000 | $10,500 | $10,000 | $9,500 | $9,000 |
| Other Current Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Subtotal Current Liabilities | $0 | $423 | $6,746 | $8,579 | $9,832 | $13,405 | $27,982 | $29,988 | $38,853 | $37,670 | $30,498 | $27,478 | $33,738 |
| Long-term Liabilities | $50,000 | $49,300 | $48,600 | $47,900 | $47,200 | $46,500 | $45,800 | $45,100 | $44,400 | $43,700 | $43,000 | $42,300 | $41,600 |
| Total Liabilities | $50,000 | $49,723 | $55,346 | $56,479 | $57,032 | $59,905 | $73,782 | $75,088 | $83,253 | $81,370 | $73,498 | $69,778 | $75,338 |
| Paid-in Capital | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| Retained Earnings | ($41,600) | ($41,600) | ($41,600) | ($41,600) | ($41,600) | ($41,600) | ($41,600) | ($41,600) | ($41,600) | ($41,600) | ($41,600) | ($41,600) | ($41,600) |
| Earnings | $0 | ($6,738) | ($9,517) | ($11,592) | ($12,963) | ($12,930) | ($11,562) | ($8,788) | ($2,402) | $5,392 | $11,687 | $16,589 | $22,899 |
| Total Capital | $8,400 | $1,662 | ($1,117) | ($3,192) | ($4,563) | ($4,530) | ($3,162) | ($388) | $5,998 | $13,792 | $20,087 | $24,989 | $31,299 |
| Total Liabilities and Capital | $58,400 | $51,385 | $54,229 | $53,287 | $52,469 | $55,375 | $70,619 | $74,700 | $89,252 | $95,162 | $93,585 | $94,767 | $106,636 |
| Net Worth | $8,400 | $1,662 | ($1,117) | ($3,192) | ($4,563) | ($4,530) | ($3,162) | ($388) | $5,998 | $13,792 | $20,087 | $24,989 | $31,299 |
