Center for Technology and Investment technology investment business plan appendix. The Center for Technology and Investment is devoted to bringing investment in technology within reach of rural small business owners.

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Technology Investment Business Plan

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
Additional Fees 0% $270 $310 $357 $410 $472 $543 $624 $718 $825 $949 $1,091 $1,255
Retainer 0% $995 $1,243 $1,554 $1,943 $2,428 $3,035 $3,794 $4,743 $5,928 $7,410 $9,263 $11,579
SBA Loan Gaurantees 0% $108 $135 $168 $211 $263 $329 $411 $514 $643 $803 $1,004 $1,255
SBA Grant 1% 0% $162 $170 $179 $188 $197 $207 $217 $228 $240 $252 $264 $278
Other Loan and Grant 1% 0% $477 $548 $631 $725 $834 $959 $1,103 $1,268 $1,459 $1,677 $1,929 $2,218
Books and Resources 0% $250 $250 $250 $250 $250 $250 $250 $250 $250 $250 $250 $250
Grants and Donations 0% $3,978 $4,773 $5,728 $6,873 $8,248 $9,898 $11,877 $14,252 $17,103 $20,524 $24,628 $29,554
Other 0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Funding $6,239 $7,430 $8,867 $10,600 $12,692 $15,221 $18,277 $21,973 $26,447 $31,865 $38,430 $46,389
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
COGS $135 $142 $149 $156 $164 $172 $181 $190 $199 $209 $220 $231
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Cost of Funding $135 $142 $149 $156 $164 $172 $181 $190 $199 $209 $220 $231
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
Intern 0% $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500
Bill Franklin 0% $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000 $5,000
Second Consultant 0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $4,000 $4,000 $4,000
Total People 0 0 0 0 0 0 0 0 0 0 0 0
Total Payroll $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $9,500 $9,500 $9,500
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 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00%
Long-term Interest Rate 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00% 8.00%
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 $6,239 $7,430 $8,867 $10,600 $12,692 $15,221 $18,277 $21,973 $26,447 $31,865 $38,430 $46,389
Direct Cost $135 $142 $149 $156 $164 $172 $181 $190 $199 $209 $220 $231
Other Costs of Goods $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Direct Cost $135 $142 $149 $156 $164 $172 $181 $190 $199 $209 $220 $231
Gross Surplus $6,104 $7,289 $8,718 $10,444 $12,529 $15,049 $18,096 $21,784 $26,248 $31,656 $38,210 $46,158
Gross Surplus % 97.84% 98.10% 98.32% 98.53% 98.71% 98.87% 99.01% 99.14% 99.25% 99.34% 99.43% 99.50%
Expenses
Payroll $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $9,500 $9,500 $9,500
Sales and Marketing and Other Expenses $250 $250 $250 $250 $250 $250 $250 $250 $250 $250 $250 $250
Depreciation $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300 $300
Rent $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800 $800
Utilities $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 $150
Insurance $120 $120 $120 $120 $120 $120 $120 $120 $120 $120 $120 $120
Auto Lease/ Fuel $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500 $500
Payroll Taxes 10% $550 $550 $550 $550 $550 $550 $550 $550 $550 $950 $950 $950
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Operating Expenses $8,170 $8,170 $8,170 $8,170 $8,170 $8,170 $8,170 $8,170 $8,170 $12,570 $12,570 $12,570
Surplus Before Interest and Taxes ($2,066) ($881) $548 $2,274 $4,359 $6,879 $9,926 $13,614 $18,078 $19,086 $25,640 $33,588
EBITDA ($1,766) ($581) $848 $2,574 $4,659 $7,179 $10,226 $13,914 $18,378 $19,386 $25,940 $33,888
Interest Expense $63 $83 $104 $104 $104 $104 $104 $83 $63 $42 $21 $0
Taxes Incurred $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Net Surplus ($2,128) ($965) $444 $2,170 $4,254 $6,774 $9,822 $13,530 $18,016 $19,044 $25,619 $33,588
Net Surplus/Funding -34.12% -12.98% 5.00% 20.47% 33.52% 44.51% 53.74% 61.58% 68.12% 59.77% 66.67% 72.41%
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 $3,431 $4,087 $4,877 $5,830 $6,981 $8,371 $10,052 $12,085 $14,546 $17,526 $21,136 $25,514
Cash from Receivables $0 $94 $2,825 $3,365 $4,016 $4,801 $5,750 $6,895 $8,280 $9,955 $11,983 $14,438
Subtotal Cash from Operations $3,431 $4,180 $7,702 $9,195 $10,997 $13,173 $15,802 $18,980 $22,826 $27,481 $33,119 $39,952
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 $5,000 $5,000 $5,000 $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 $8,431 $9,180 $12,702 $9,195 $10,997 $13,173 $15,802 $18,980 $22,826 $27,481 $33,119 $39,952
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 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $5,500 $9,500 $9,500 $9,500
Bill Payments $114 $3,400 $2,454 $2,474 $2,474 $2,508 $3,441 $2,473 $2,453 $2,445 $2,844 $3,757
Subtotal Spent on Operations $5,614 $8,900 $7,954 $7,974 $7,974 $8,008 $8,941 $7,973 $7,953 $11,945 $12,344 $13,257
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 $5,000 $5,000 $5,000 $5,000 $5,000
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 $10,000 $0 $0 $0 $0 $0 $0 $10,000
Dividends $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Cash Spent $5,614 $8,900 $7,954 $7,974 $17,974 $8,008 $8,941 $12,973 $12,953 $16,945 $17,344 $28,257
Net Cash Flow $2,817 $280 $4,748 $1,221 ($6,977) $5,165 $6,861 $6,007 $9,873 $10,536 $15,775 $11,695
Cash Balance $18,767 $19,047 $23,795 $25,016 $18,039 $23,204 $30,065 $36,072 $45,945 $56,481 $72,256 $83,950
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 $15,950 $18,767 $19,047 $23,795 $25,016 $18,039 $23,204 $30,065 $36,072 $45,945 $56,481 $72,256 $83,950
Accounts Receivable $0 $2,807 $6,057 $7,222 $8,627 $10,322 $12,370 $14,845 $17,838 $21,460 $25,844 $31,155 $37,592
Inventory $0 $865 $724 $575 $419 $255 $1,083 $902 $713 $514 $305 $1,085 $854
Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Current Assets $15,950 $22,440 $25,828 $31,592 $34,062 $28,616 $36,657 $45,812 $54,623 $67,918 $82,629 $104,495 $122,396
Long-term Assets
Long-term Assets $10,000 $10,000 $10,000 $10,000 $10,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $20,000 $30,000
Accumulated Depreciation $0 $300 $600 $900 $1,200 $1,500 $1,800 $2,100 $2,400 $2,700 $3,000 $3,300 $3,600
Total Long-term Assets $10,000 $9,700 $9,400 $9,100 $8,800 $18,500 $18,200 $17,900 $17,600 $17,300 $17,000 $16,700 $26,400
Total Assets $25,950 $32,140 $35,228 $40,692 $42,862 $47,116 $54,857 $63,712 $72,223 $85,218 $99,629 $121,195 $148,796
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 $3,318 $2,372 $2,392 $2,392 $2,392 $3,358 $2,392 $2,372 $2,351 $2,718 $3,664 $2,678
Current Borrowing $10,000 $15,000 $20,000 $25,000 $25,000 $25,000 $25,000 $25,000 $20,000 $15,000 $10,000 $5,000 $0
Other Current Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Current Liabilities $10,000 $18,318 $22,372 $27,392 $27,392 $27,392 $28,358 $27,392 $22,372 $17,351 $12,718 $8,664 $2,678
Long-term Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Liabilities $10,000 $18,318 $22,372 $27,392 $27,392 $27,392 $28,358 $27,392 $22,372 $17,351 $12,718 $8,664 $2,678
Paid-in Capital $35,000 $35,000 $35,000 $35,000 $35,000 $35,000 $35,000 $35,000 $35,000 $35,000 $35,000 $35,000 $35,000
Accumulated Surplus/Deficit ($19,050) ($19,050) ($19,050) ($19,050) ($19,050) ($19,050) ($19,050) ($19,050) ($19,050) ($19,050) ($19,050) ($19,050) ($19,050)
Surplus/Deficit $0 ($2,128) ($3,093) ($2,649) ($480) $3,774 $10,549 $20,371 $33,901 $51,917 $70,961 $96,581 $130,169
Total Capital $15,950 $13,822 $12,857 $13,301 $15,470 $19,724 $26,499 $36,321 $49,851 $67,867 $86,911 $112,531 $146,119
Total Liabilities and Capital $25,950 $32,140 $35,228 $40,692 $42,862 $47,116 $54,857 $63,712 $72,223 $85,218 $99,629 $121,195 $148,796
Net Worth $15,950 $13,822 $12,857 $13,301 $15,470 $19,724 $26,499 $36,321 $49,851 $67,867 $86,911 $112,531 $146,119
Center for Technology and Investment technology investment business plan appendix. The Center for Technology and Investment is devoted to bringing investment in technology within reach of rural small business owners.