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Food & Housing Nonprofit icon Nonprofit Food Bank Business Plan

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Helping Hand

Executive Summary

Helping Hand is a tax-exempt not-for-profit food bank that serves all of Johnson County, Washington.  Helping Hand’s goal is to alleviate hunger in Johnson County by soliciting, collecting, growing, and packaging food for distribution through a network of service agencies and programs that serve our target population groups.  Our services include food box programs, emergency food programs, and a youth farm that provides opportunities for self-sufficiency activities for “at risk” youth.  Helping Hand receives support from the county, charitable organizations and corporate sponsorship.

Approximately 20% of Johnson County residents qualify for assistance from Helping Hand.  Our client base is low-income people, mainly families, who need emergency help to put food on the table.  Nearly half of those served by the program are children.  Helping Hand operates a warehouse facility where we store donated or rescued food for distribution.  The program actively solicits food from local food growers, retailers, wholesalers, and processors.  In addition, Helping Hand collect food donations from restaurants for immediate distribution to service programs.

It is estimated that the number of children who need services from Helping Hand will increase during the next five years.  Johnson County is growing and a number of new families are entering the area to look for employment.  A number of programs exist to help transition these new families into the county.  Helping Hand is an important resource to these programs because we can respond quickly with the one of the most important resources these families need. Food!

Our services improves the ability of families to care for children and achieve goals of self-sufficiency. Helping Hand’s services, now, are a small investment in comparison to cost of ignoring the problem of hunger in the county and the influence it has on a number of health and crime issues.

Nonprofit food bank business plan, executive summary chart image

1.1 Mission

The mission of Helping Hands is to alleviate hunger in Johnson County by soliciting, collecting, growing, and packaging food for distribution through a network of agencies and programs, as well as provide opportunities for self sufficiency.  Our services include food box programs, emergency shelters, congregate meal sites, residential treatment services, and children’s programs.

1.2 Objectives

This new initiative is designed to create a food bank that will serve all of Johnson County, Washington. Our objectives are:

  • Establish donation network of local growers, retailers, wholesalers, and processors in Johnson County.
  • Establish youth farm that will employ “at risk” youth.
  • Collect over four million pounds of food the first year of operation.  Increase collection amount by 20% each year.
  • Effectively distribute the food to low-income families that make up over 20% of Johnson County.
  • Acquire $200,000 of start-up funding through corporate, private charities and government financial support.
  • Raise an additional $100,000 in fundraising activity.
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Organization Summary

Helping Hand is a food bank serving Johnson County, Washington. The program’s focus is to identify and utilize resources for food in the county in order to eliminate hunger among low-income individuals and families in the area.

The program performs the following:

  1. Solicits and distributes food to community programs.
  2. Operates a youth farm program for “at-risk” young people.

2.1 Start-up Summary

Helping Hand’s start-up cost is $200,000.  A significant portion of the cost is donated trucks and collection vehicles for food, as well as a storage facility.  The remainder are the expenses normally associated with opening an office.  The program is funded by contributions from ten corporate sponsors, a grant from a private philanthropic trust, and Johnson County. The assumptions are shown in the following table and chart.

Nonprofit food bank business plan, organization summary chart image

Start-up Funding
Start-up Expenses to Fund $124,000
Start-up Assets to Fund $76,000
Total Funding Required $200,000
Assets
Non-cash Assets from Start-up $7,000
Cash Requirements from Start-up $69,000
Additional Cash Raised $0
Cash Balance on Starting Date $69,000
Total Assets $76,000
Liabilities and Capital
Liabilities
Current Borrowing $0
Long-term Liabilities $0
Accounts Payable (Outstanding Bills) $0
Other Current Liabilities (interest-free) $0
Total Liabilities $0
Capital
Planned Investment
Corporate Sponsorship $100,000
Philanthropic Trust $50,000
Jefferson County $50,000
Additional Investment Requirement $0
Total Planned Investment $200,000
Loss at Start-up (Start-up Expenses) ($124,000)
Total Capital $76,000
Total Capital and Liabilities $76,000
Total Funding $200,000
Start-up
Requirements
Start-up Expenses
Legal $700
Stationery etc. $500
Brochures $800
Food Collection Supplies $10,000
Insurance $1,000
Rent $1,000
Trucks and Vehicles $50,000
Warehouse Equipment $40,000
Harvesting/Farm Equipment $20,000
Total Start-up Expenses $124,000
Start-up Assets
Cash Required $69,000
Start-up Inventory $0
Other Current Assets $0
Long-term Assets $7,000
Total Assets $76,000
Total Requirements $200,000

Helping Hand is a Washington nonprofit corporation.

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Services

Approximately 20% of Johnson County residents qualify for assistance from Helping Hand.  Low-income people, mostly families, who need emergency help to put food on the table will be helped by this new program.  Nearly half of the people we serve are children and nearly one-fifth are senior citizens.  In the families we serve, there is at least one working person.

Helping Hand collects food at its centralized facility in the city of Monroe and distributes the food to nonprofit social service agencies and programs in the county.  The majority of the food we distribute is in the form of emergency boxes. Individuals or families can receive up to 15 boxes a year.  Each box contains a 3-5 day supply of high-quality food.  The remaining resources are dedicated to providing food to residential treatment facilities, dinner programs, youth service centers, foster homes, children’s program and more. 

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Market Analysis Summary

The population base for Johnson County is 600,000.  Approximately 20% of the county’s population can be characterized as low-income.  This represents 120,000 residents that are potentially in need of services from Helping Hand.

This group can be broken down into three segments:

  • Seniors (30,000);
  • Individual Adults (35,000);
  • Children (55,000).

Children represent 45% of the county residents in need of Helping Hand services. The program has identified children and their families as it primary target customers.  It is projected that the number of low-income children will increase in Johnson County by 20% over the next four years.  By 2006, children will represent 52% of Helping Hand’s client base.  With effective intervention, the debilitation effects of hunger can be eliminated.  Consequently, the families will be better able to be successfully providing for its children.

4.1 Market Segmentation

Service Geographics
Helping Hand serves the Johnson County area with a total population in excess of 600,000 people. Over 50% of the county’s population lives in Monroe.  The remaining bulk of county’s population resides in Lewisville, Drain, Fremont, and Lakespurs.

Service Demographics
It is estimated that 20% of the county’s residents are low-income. Of the county’s 120,000 low income residents, 25% are seniors, 30% are individual adults, and 45% are children.  Family groupings represent over 64% of low income residents in Johnson County. Over 90% of these families has at least one family member working full-time.  This is why children and their families are the focus of the program.

Service Psychographics
One of the most typical profiles of families interested in this type of program can be described by the following:

  • At least one parent/guardian works full-time.
  • The average family size is five, with three or four children.
  • The family has made contact with one or more social service agency or program in the last 12 months.
  • The families are most receptive to receiving food assistance through social service programs that are working with the families in other concerns.

Service Behaviors
Helping Hand has established that the most effective method to distribute food is through the network of existing social service programs and agencies serving the target population groups.  There are 25 programs and agencies that provide services to low-income seniors, adults and children. On average, clients visit one or more of these programs or agencies on a weekly basis.  In addition, these programs have an excellent volunteer base that can be mobilized to distribute food.

Nonprofit food bank business plan, market analysis summary chart image

Market Analysis
Year 1 Year 2 Year 3 Year 4 Year 5
Potential Customers Growth CAGR
Seniors 7% 30,000 32,100 34,347 36,751 39,324 7.00%
Individual Adults 8% 35,000 37,800 40,824 44,090 47,617 8.00%
Children 15% 55,000 63,250 72,738 83,649 96,196 15.00%
Total 11.15% 120,000 133,150 147,909 164,490 183,137 11.15%

4.2 Target Market Segment Strategy

The primary target population group for Helping Hand is children (from birth to 16 years of age) and their families.  This group has been identified as the fastest growing segment of the population that need food bank services.  The impact of food assistance is most critical during the first five years of a child’s life.  Children ages birth to five years of age represents 50% of the children served by the program.

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Strategy and Implementation Summary

Helping Hand will focus on establishing an effective collection network with local growers, retailers, wholesalers, and processors.  Another primary goal will be the creation of a youth farm that will employ “at risk” youth.  The program will also start a fundraising campaign with area retail markets, banks and credit unions in order to raise an additional $100,000.

Helping Hand will advertise its services to the target populations groups through the agencies that serve these groups on a daily basis.

5.1 Marketing Strategy

Helping Hand’s marketing program will focus on increasing its visibility in the community. Participating food retail stores will carry information about Helping Hand and how stores like this one are helping the community.  Award plaques will be distributed to stores each year and the program will find additional methods to raise the profile of stores that assist the program. 

Program brochures will be distributed by local social service programs and agencies that serve the target population groups.  In addition, these programs and agencies will serve as advocates of using Helping Hand in response to the need for emergency food. 

5.2 Fundraising Strategy

Helping Hand will immediately start a Fall Fundraising campaign that will focus on using the local banks and credit unions to collect donations to fight hunger. Typically, food drives are started in October and November. Helping Hand will place donation bins in participating banks and credit union. In addition, customers in local retail food stores can donate money to Helping Hand at the checkout stand.

5.2.1 Funding Forecast

Helping Hand’s monthly revenues for the 2002-2003 calendar year will fluctuate based on the seasons.  During Fall the program will have its major fundraiser.  The summer months are anticipated to be weak food collection months.

The following are Helping Hand’s fundraising and food collection programs:

Food Collection (FC)
Participating retailers, wholesalers, and processors will donate food stuffs. These contributors will contribute donations of a monthly basis.

Fill the Bucket (FtB)
Each Fall, Helping Hand will run a fundraiser through local banks and credit union.  Small containers that will look like the larger Helping Hand food bins will sit at the counter of each teller.

Food Rescue Express (FRE)
Helping Hand will collect donated food from local restaurants to be immediately distributed to programs in the area that will in turn distribute the food to their clients.

Gleaning
Harvest leftovers and unsold produce from farmers’ fields will be collected by Helping Hand.  Every year thousands of pounds of fresh fruit and vegetables are left to rot or get tilled under the field.  Gleaning reduces waste while feeding people.  Helping Hand actually recruits gleaning crews from the local support program.

Youth Farm (YF)
The youth farm utilizes kids in diversion program or local program serving “at risk” kids to provide a learning environment that turn these kids life around.  The produce is sold by the youth farm crew members at a on-site produce stand.  All proceeds are used to support Helping Hand programs.

Editor’s Note: To maximize the chart size for the Funding Monthly and Funding By Year charts below the fundraising categories above have been abbreviated within the Funding Forecast table. Charitable/Corporate Program Funding will use C/CPF as an acronym in the table and charts.

Nonprofit food bank business plan, strategy and implementation summary chart image

Nonprofit food bank business plan, strategy and implementation summary chart image

Funding Forecast
Year 1 Year 2 Year 3
Funding
FC $171,770 $188,947 $207,842
FtB $130,000 $143,000 $157,300
FRE $34,590 $38,049 $41,854
Gleaning $30,000 $33,000 $36,300
CD $24,000 $26,400 $29,040
C/CPF $0 $100,000 $100,000
YF $18,000 $18,900 $19,845
Total Funding $408,360 $548,296 $592,181
Direct Cost of Funding Year 1 Year 2 Year 3
FC $19,356 $21,000 $23,400
FtB $6,647 $7,300 $8,100
FRE $3,331 $5,200 $5,800
Gleaning $4,800 $5,400 $6,000
CD $4,627 $5,100 $5,600
YF $8,970 $9,800 $10,800
Subtotal Cost of Funding $47,730 $53,800 $59,700

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Management Summary

Helping Hand’s management team consist of a board of directors and an executive director. The program will consist of five service coordinators.

6.1 Personnel Plan

The following table summarizes the program’s personnel expenditures for the first three years.

The staff will consist of five coordinators:

  • Volunteer coordinator;
  • Food solicitation coordinator;
  • Distribution coordinator;
  • Warehouse coordinator;
  • Youth farm coordinator.

The detailed monthly personnel plan for the first year is included in the appendix.

Personnel Plan
Year 1 Year 2 Year 3
Volunteer Coordinator $21,600 $21,600 $21,600
Food Solicitation Coordinator $21,600 $21,600 $21,600
Distribution Coordinator $21,600 $21,600 $21,600
Warehouse Coordinator $21,600 $21,600 $21,600
Youth Farm Coordinator $21,600 $21,600 $21,600
Executive Director $24,000 $24,000 $24,000
Total People 6 6 6
Total Payroll $132,000 $132,000 $132,000

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Financial Plan

Helping Hand is funded from a variety of sources, public and private.  We anticipate that funding will increase by 15% over the next three years.  The executive director and the board of directors will be responsible for reviewing the program expenditures and making adjustment to assure the program solvency.

7.1 Important Assumptions

The financial plan depends on important assumptions, most of which are shown in the following table.

The key underlying assumptions are:

  • We assume a slow-growth economy, without major recession.
  • We assume population growth in the county that will contribute to additional low-income clients.
  • We assume, of course, that there are no unforeseen changes in funding availability.
  • We assume a continued need for emergency food services in the county.
General Assumptions
Year 1 Year 2 Year 3
Plan Month 1 2 3
Current Interest Rate 10.00% 10.00% 10.00%
Long-term Interest Rate 10.00% 10.00% 10.00%
Tax Rate 0.00% 0.00% 0.00%
Other 0 0 0

7.2 Projected Surplus or Deficit

Helping Hand’s Projected Surplus and Deficit is shown on the following table. The detailed monthly projections are included in the appendix.

 

 

Nonprofit food bank business plan, financial plan chart image

Nonprofit food bank business plan, financial plan chart image

Nonprofit food bank business plan, financial plan chart image

Nonprofit food bank business plan, financial plan chart image

Surplus and Deficit
Year 1 Year 2 Year 3
Funding $408,360 $548,296 $592,181
Direct Cost $47,730 $53,800 $59,700
Other Costs of Funding $0 $0 $0
Total Direct Cost $47,730 $53,800 $59,700
Gross Surplus $360,630 $494,496 $532,481
Gross Surplus % 88.31% 90.19% 89.92%
Expenses
Payroll $132,000 $132,000 $132,000
Sales and Marketing Costs $0 $0 $0
Depreciation $840 $840 $840
Rent $12,000 $12,000 $12,000
Utilities $2,400 $2,400 $2,400
Insurance $3,600 $3,600 $3,600
Payroll Taxes $19,800 $19,800 $19,800
Food Distribution $195,000 $260,000 $290,000
Total Operating Expenses $365,640 $430,640 $460,640
Surplus Before Interest and Taxes ($5,010) $63,856 $71,841
EBITDA ($4,170) $64,696 $72,681
Interest Expense $0 $0 $0
Taxes Incurred $0 $0 $0
Net Surplus ($5,010) $63,856 $71,841
Net Surplus/Funding -1.23% 11.65% 12.13%

7.3 Projected Cash Flow

Helping Hand’s cash flow is represented as funding dollars and collected food and monetary donations. The monthly cash flow is shown in the illustration, with one bar representing the cash flow per month, and the other the monthly cash balance. The annual cash flow figures are included here and the more important detailed monthly numbers are included in the appendix.

Nonprofit food bank business plan, financial plan chart image

Pro Forma Cash Flow
Year 1 Year 2 Year 3
Cash Received
Cash from Operations
Cash Funding $408,360 $548,296 $592,181
Subtotal Cash from Operations $408,360 $548,296 $592,181
Additional Cash Received
Sales Tax, VAT, HST/GST Received $0 $0 $0
New Current Borrowing $0 $0 $0
New Other Liabilities (interest-free) $0 $0 $0
New Long-term Liabilities $0 $0 $0
Sales of Other Current Assets $0 $0 $0
Sales of Long-term Assets $0 $0 $0
New Investment Received $0 $0 $0
Subtotal Cash Received $408,360 $548,296 $592,181
Expenditures Year 1 Year 2 Year 3
Expenditures from Operations
Cash Spending $132,000 $132,000 $132,000
Bill Payments $257,132 $354,348 $385,465
Subtotal Spent on Operations $389,132 $486,348 $517,465
Additional Cash Spent
Sales Tax, VAT, HST/GST Paid Out $0 $0 $0
Principal Repayment of Current Borrowing $0 $0 $0
Other Liabilities Principal Repayment $0 $0 $0
Long-term Liabilities Principal Repayment $0 $0 $0
Purchase Other Current Assets $0 $0 $0
Purchase Long-term Assets $0 $0 $0
Dividends $0 $0 $0
Subtotal Cash Spent $389,132 $486,348 $517,465
Net Cash Flow $19,228 $61,948 $74,716
Cash Balance $88,228 $150,176 $224,892

7.4 Projected Balance Sheet

The following table represents the Project Balance Sheet for Helping Hand.

Pro Forma Balance Sheet
Year 1 Year 2 Year 3
Assets
Current Assets
Cash $88,228 $150,176 $224,892
Inventory $7,386 $8,326 $9,239
Other Current Assets $0 $0 $0
Total Current Assets $95,614 $158,501 $234,131
Long-term Assets
Long-term Assets $7,000 $7,000 $7,000
Accumulated Depreciation $840 $1,680 $2,520
Total Long-term Assets $6,160 $5,320 $4,480
Total Assets $101,774 $163,821 $238,611
Liabilities and Capital Year 1 Year 2 Year 3
Current Liabilities
Accounts Payable $30,784 $28,976 $31,924
Current Borrowing $0 $0 $0
Other Current Liabilities $0 $0 $0
Subtotal Current Liabilities $30,784 $28,976 $31,924
Long-term Liabilities $0 $0 $0
Total Liabilities $30,784 $28,976 $31,924
Paid-in Capital $200,000 $200,000 $200,000
Accumulated Surplus/Deficit ($124,000) ($129,010) ($65,154)
Surplus/Deficit ($5,010) $63,856 $71,841
Total Capital $70,990 $134,846 $206,686
Total Liabilities and Capital $101,774 $163,821 $238,611
Net Worth $70,990 $134,846 $206,686

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Appendix

Funding 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
Funding
FC 0% $18,700 $16,180 $12,820 $9,600 $11,520 $11,760 $13,200 $13,920 $14,640 $15,600 $16,180 $17,650
FtB 0% $30,000 $40,000 $40,000 $0 $0 $0 $0 $0 $0 $0 $0 $20,000
FRE 0% $2,434 $2,746 $2,824 $3,136 $2,590 $2,980 $2,434 $2,434 $3,292 $3,604 $3,058 $3,058
Gleaning 0% $10,000 $10,000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $10,000
CD 0% $2,000 $3,000 $4,000 $1,000 $1,000 $1,500 $1,500 $2,000 $2,000 $2,000 $2,000 $2,000
C/CPF 0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
YF 0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $5,000 $6,000 $7,000
Total Funding $63,134 $71,926 $59,644 $13,736 $15,110 $16,240 $17,134 $18,354 $19,932 $26,204 $27,238 $59,708
Direct Cost of Funding Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
FC $2,088 $1,584 $1,320 $1,224 $1,272 $1,329 $1,395 $1,632 $1,704 $1,872 $1,944 $1,992
FtB $1,703 $1,680 $1,584 $0 $0 $0 $0 $0 $0 $0 $0 $1,680
FRE $298 $269 $283 $293 $264 $274 $278 $264 $288 $254 $278 $288
Gleaning $1,000 $1,000 $0 $0 $0 $0 $0 $0 $0 $800 $1,000 $1,000
CD $379 $384 $360 $360 $374 $350 $418 $398 $394 $394 $418 $398
YF $712 $703 $271 $226 $208 $268 $667 $946 $1,055 $1,284 $1,274 $1,357
Subtotal Cost of Funding $6,180 $5,620 $3,818 $2,103 $2,118 $2,220 $2,758 $3,240 $3,440 $4,604 $4,914 $6,715
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
Volunteer Coordinator 0% $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800
Food Solicitation Coordinator 0% $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800
Distribution Coordinator 0% $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800
Warehouse Coordinator 0% $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800
Youth Farm Coordinator 0% $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800
Executive Director 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
Total People 6 6 6 6 6 6 6 6 6 6 6 6
Total Payroll $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000

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 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other 0 0 0 0 0 0 0 0 0 0 0 0

Surplus and Deficit
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Funding $63,134 $71,926 $59,644 $13,736 $15,110 $16,240 $17,134 $18,354 $19,932 $26,204 $27,238 $59,708
Direct Cost $6,180 $5,620 $3,818 $2,103 $2,118 $2,220 $2,758 $3,240 $3,440 $4,604 $4,914 $6,715
Other Costs of Funding $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Direct Cost $6,180 $5,620 $3,818 $2,103 $2,118 $2,220 $2,758 $3,240 $3,440 $4,604 $4,914 $6,715
Gross Surplus $56,954 $66,306 $55,826 $11,633 $12,992 $14,020 $14,376 $15,114 $16,492 $21,600 $22,324 $52,993
Gross Surplus % 90.21% 92.19% 93.60% 84.69% 85.98% 86.33% 83.90% 82.34% 82.74% 82.43% 81.96% 88.75%
Expenses
Payroll $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000
Sales and Marketing Costs $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Depreciation $70 $70 $70 $70 $70 $70 $70 $70 $70 $70 $70 $70
Rent $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000
Utilities $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200 $200
Insurance $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300
Payroll Taxes 15% $1,650 $1,650 $1,650 $1,650 $1,650 $1,650 $1,650 $1,650 $1,650 $1,650 $1,650 $1,650
Food Distribution $20,000 $20,000 $20,000 $10,000 $10,000 $12,000 $14,000 $15,000 $16,000 $18,000 $20,000 $20,000
Total Operating Expenses $34,220 $34,220 $34,220 $24,220 $24,220 $26,220 $28,220 $29,220 $30,220 $32,220 $34,220 $34,220
Surplus Before Interest and Taxes $22,734 $32,086 $21,606 ($12,587) ($11,228) ($12,200) ($13,844) ($14,106) ($13,728) ($10,620) ($11,896) $18,773
EBITDA $22,804 $32,156 $21,676 ($12,517) ($11,158) ($12,130) ($13,774) ($14,036) ($13,658) ($10,550) ($11,826) $18,843
Interest Expense $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Taxes Incurred $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Net Surplus $22,734 $32,086 $21,606 ($12,587) ($11,228) ($12,200) ($13,844) ($14,106) ($13,728) ($10,620) ($11,896) $18,773
Net Surplus/Funding 36.01% 44.61% 36.22% -91.63% -74.31% -75.12% -80.80% -76.86% -68.87% -40.53% -43.67% 31.44%

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 Funding $63,134 $71,926 $59,644 $13,736 $15,110 $16,240 $17,134 $18,354 $19,932 $26,204 $27,238 $59,708
Subtotal Cash from Operations $63,134 $71,926 $59,644 $13,736 $15,110 $16,240 $17,134 $18,354 $19,932 $26,204 $27,238 $59,708
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 $63,134 $71,926 $59,644 $13,736 $15,110 $16,240 $17,134 $18,354 $19,932 $26,204 $27,238 $59,708
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 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000 $11,000
Bill Payments $1,204 $35,861 $28,048 $24,625 $14,162 $14,601 $17,583 $20,547 $21,951 $22,951 $27,080 $28,520
Subtotal Spent on Operations $12,204 $46,861 $39,048 $35,625 $25,162 $25,601 $28,583 $31,547 $32,951 $33,951 $38,080 $39,520
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 $0 $0 $0 $0 $0 $0
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 $12,204 $46,861 $39,048 $35,625 $25,162 $25,601 $28,583 $31,547 $32,951 $33,951 $38,080 $39,520
Net Cash Flow $50,930 $25,065 $20,596 ($21,889) ($10,052) ($9,361) ($11,449) ($13,193) ($13,019) ($7,747) ($10,842) $20,188
Cash Balance $119,930 $144,994 $165,590 $143,701 $133,649 $124,288 $112,840 $99,647 $86,628 $78,881 $68,039 $88,228
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 $69,000 $119,930 $144,994 $165,590 $143,701 $133,649 $124,288 $112,840 $99,647 $86,628 $78,881 $68,039 $88,228
Inventory $0 $6,798 $6,182 $4,200 $3,097 $2,330 $2,442 $3,034 $3,564 $3,784 $5,064 $5,405 $7,386
Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Current Assets $69,000 $126,727 $151,176 $169,790 $146,798 $135,979 $126,730 $115,873 $103,211 $90,412 $83,946 $73,445 $95,614
Long-term Assets
Long-term Assets $7,000 $7,000 $7,000 $7,000 $7,000 $7,000 $7,000 $7,000 $7,000 $7,000 $7,000 $7,000 $7,000
Accumulated Depreciation $0 $70 $140 $210 $280 $350 $420 $490 $560 $630 $700 $770 $840
Total Long-term Assets $7,000 $6,930 $6,860 $6,790 $6,720 $6,650 $6,580 $6,510 $6,440 $6,370 $6,300 $6,230 $6,160
Total Assets $76,000 $133,657 $158,036 $176,580 $153,518 $142,629 $133,310 $122,383 $109,651 $96,782 $90,246 $79,675 $101,774
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 $34,923 $27,216 $24,154 $13,678 $14,018 $16,899 $19,816 $21,190 $22,049 $26,133 $27,458 $30,784
Current Borrowing $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other Current Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Current Liabilities $0 $34,923 $27,216 $24,154 $13,678 $14,018 $16,899 $19,816 $21,190 $22,049 $26,133 $27,458 $30,784
Long-term Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Liabilities $0 $34,923 $27,216 $24,154 $13,678 $14,018 $16,899 $19,816 $21,190 $22,049 $26,133 $27,458 $30,784
Paid-in Capital $200,000 $200,000 $200,000 $200,000 $200,000 $200,000 $200,000 $200,000 $200,000 $200,000 $200,000 $200,000 $200,000
Accumulated Surplus/Deficit ($124,000) ($124,000) ($124,000) ($124,000) ($124,000) ($124,000) ($124,000) ($124,000) ($124,000) ($124,000) ($124,000) ($124,000) ($124,000)
Surplus/Deficit $0 $22,734 $54,821 $76,426 $63,840 $52,611 $40,411 $26,567 $12,461 ($1,267) ($11,887) ($23,783) ($5,010)
Total Capital $76,000 $98,734 $130,821 $152,426 $139,840 $128,611 $116,411 $102,567 $88,461 $74,733 $64,113 $52,217 $70,990
Total Liabilities and Capital $76,000 $133,657 $158,036 $176,580 $153,518 $142,629 $133,310 $122,383 $109,651 $96,782 $90,246 $79,675 $101,774
Net Worth $76,000 $98,734 $130,821 $152,426 $139,840 $128,611 $116,411 $102,567 $88,461 $74,733 $64,113 $52,217 $70,990

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