Business Cashflow Solutions, Inc.
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 | |||||||||||||
Recurring and New | 0% | $0 | $500 | $1,500 | $2,000 | $2,500 | $3,000 | $3,500 | $4,000 | $4,500 | $5,000 | $5,500 | $6,000 |
Other | 0% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Total Sales | $0 | $500 | $1,500 | $2,000 | $2,500 | $3,000 | $3,500 | $4,000 | $4,500 | $5,000 | $5,500 | $6,000 | |
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 | |
Recurring and New | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Other | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Subtotal Direct Cost of Sales | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
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 | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | |
Long-term Interest Rate | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | 9.50% | |
Tax Rate | 30.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | 25.00% | |
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 | $500 | $1,500 | $2,000 | $2,500 | $3,000 | $3,500 | $4,000 | $4,500 | $5,000 | $5,500 | $6,000 | |
Direct Cost of Sales | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Other | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Total Cost of Sales | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Gross Margin | $0 | $500 | $1,500 | $2,000 | $2,500 | $3,000 | $3,500 | $4,000 | $4,500 | $5,000 | $5,500 | $6,000 | |
Gross Margin % | 0.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | |
Expenses | |||||||||||||
Payroll | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $4,800 | |
Sales and Marketing and Other Expenses | $776 | $776 | $776 | $776 | $776 | $776 | $776 | $776 | $776 | $776 | $776 | $776 | |
Depreciation | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Leased Equipment | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Utilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Insurance | $207 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Rent | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Payroll Taxes | 1% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $60 |
Other | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Total Operating Expenses | $983 | $776 | $776 | $776 | $776 | $776 | $776 | $776 | $776 | $776 | $776 | $5,636 | |
Profit Before Interest and Taxes | ($983) | ($276) | $724 | $1,224 | $1,724 | $2,224 | $2,724 | $3,224 | $3,724 | $4,224 | $4,724 | $364 | |
EBITDA | ($983) | ($276) | $724 | $1,224 | $1,724 | $2,224 | $2,724 | $3,224 | $3,724 | $4,224 | $4,724 | $364 | |
Interest Expense | $181 | $175 | $169 | $163 | $157 | $151 | $145 | $139 | $133 | $127 | $121 | $115 | |
Taxes Incurred | ($349) | ($113) | $139 | $265 | $392 | $518 | $645 | $771 | $898 | $1,024 | $1,151 | $62 | |
Net Profit | ($815) | ($338) | $416 | $796 | $1,175 | $1,555 | $1,934 | $2,314 | $2,693 | $3,073 | $3,452 | $187 | |
Net Profit/Sales | 0.00% | -67.67% | 27.74% | 39.78% | 47.01% | 51.82% | 55.26% | 57.84% | 59.85% | 61.45% | 62.77% | 3.11% |
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 | $500 | $1,500 | $2,000 | $2,500 | $3,000 | $3,500 | $4,000 | $4,500 | $5,000 | $5,500 | $6,000 | |
Cash from Receivables | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Subtotal Cash from Operations | $0 | $500 | $1,500 | $2,000 | $2,500 | $3,000 | $3,500 | $4,000 | $4,500 | $5,000 | $5,500 | $6,000 | |
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 | $0 | $500 | $1,500 | $2,000 | $2,500 | $3,000 | $3,500 | $4,000 | $4,500 | $5,000 | $5,500 | $6,000 | |
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 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $4,800 | |
Bill Payments | $27 | $816 | $847 | $1,088 | $1,208 | $1,329 | $1,449 | $1,570 | $1,690 | $1,811 | $1,931 | $2,013 | |
Subtotal Spent on Operations | $27 | $816 | $847 | $1,088 | $1,208 | $1,329 | $1,449 | $1,570 | $1,690 | $1,811 | $1,931 | $6,813 | |
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 | $757 | $757 | $757 | $757 | $757 | $757 | $757 | $757 | $757 | $757 | $757 | $757 | |
Other Liabilities Principal Repayment | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
Long-term Liabilities Principal Repayment | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
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 | $784 | $1,573 | $1,604 | $1,845 | $1,965 | $2,086 | $2,206 | $2,327 | $2,447 | $2,568 | $2,688 | $7,570 | |
Net Cash Flow | ($784) | ($1,073) | ($104) | $155 | $535 | $914 | $1,294 | $1,673 | $2,053 | $2,432 | $2,812 | ($1,570) | |
Cash Balance | $4,716 | $3,643 | $3,540 | $3,695 | $4,229 | $5,144 | $6,437 | $8,110 | $10,163 | $12,595 | $15,407 | $13,836 |
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 | $5,500 | $4,716 | $3,643 | $3,540 | $3,695 | $4,229 | $5,144 | $6,437 | $8,110 | $10,163 | $12,595 | $15,407 | $13,836 |
Accounts Receivable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Other Current Assets | $5,885 | $5,885 | $5,885 | $5,885 | $5,885 | $5,885 | $5,885 | $5,885 | $5,885 | $5,885 | $5,885 | $5,885 | $5,885 |
Total Current Assets | $11,385 | $10,601 | $9,528 | $9,425 | $9,580 | $10,114 | $11,029 | $12,322 | $13,995 | $16,048 | $18,480 | $21,292 | $19,721 |
Long-term Assets | |||||||||||||
Long-term Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Accumulated Depreciation | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Total Long-term Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Total Assets | $11,385 | $10,601 | $9,528 | $9,425 | $9,580 | $10,114 | $11,029 | $12,322 | $13,995 | $16,048 | $18,480 | $21,292 | $19,721 |
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 | $788 | $810 | $1,048 | $1,164 | $1,281 | $1,397 | $1,514 | $1,630 | $1,747 | $1,863 | $1,980 | $980 |
Current Borrowing | $23,634 | $22,877 | $22,120 | $21,363 | $20,606 | $19,849 | $19,092 | $18,335 | $17,578 | $16,821 | $16,064 | $15,307 | $14,550 |
Other Current Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Subtotal Current Liabilities | $23,634 | $23,665 | $22,930 | $22,411 | $21,770 | $21,130 | $20,489 | $19,849 | $19,208 | $18,568 | $17,927 | $17,287 | $15,530 |
Long-term Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Total Liabilities | $23,634 | $23,665 | $22,930 | $22,411 | $21,770 | $21,130 | $20,489 | $19,849 | $19,208 | $18,568 | $17,927 | $17,287 | $15,530 |
Paid-in Capital | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 |
Retained Earnings | ($22,249) | ($22,249) | ($22,249) | ($22,249) | ($22,249) | ($22,249) | ($22,249) | ($22,249) | ($22,249) | ($22,249) | ($22,249) | ($22,249) | ($22,249) |
Earnings | $0 | ($815) | ($1,153) | ($737) | $59 | $1,234 | $2,788 | $4,723 | $7,036 | $9,729 | $12,802 | $16,254 | $16,441 |
Total Capital | ($12,249) | ($13,064) | ($13,402) | ($12,986) | ($12,190) | ($11,015) | ($9,461) | ($7,526) | ($5,213) | ($2,520) | $553 | $4,005 | $4,192 |
Total Liabilities and Capital | $11,385 | $10,601 | $9,528 | $9,425 | $9,580 | $10,114 | $11,029 | $12,322 | $13,995 | $16,048 | $18,480 | $21,292 | $19,721 |
Net Worth | ($12,249) | ($13,064) | ($13,402) | ($12,986) | ($12,190) | ($11,015) | ($9,461) | ($7,526) | ($5,213) | ($2,520) | $553 | $4,005 | $4,192 |
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 | ||
XYXY | 0% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $2,400 |
XXXX | 0% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $2,400 |
Other | 0% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Total People | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Total Payroll | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $4,800 |