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This sample business plan has been made available to users of Business Plan Pro®, business planning software published by Palo Alto Software, Inc. Names, locations and numbers may have been changed, and substantial portions of the original plan text may have been omitted to preserve confidentiality and proprietary information. You are welcome to use this plan as a starting point to create your own, but you do not have permission to resell, reproduce, publish, distribute or even copy this plan as it exists here. Requests for reprints, academic use, and other dissemination of this sample plan should be emailed to the marketing department of Palo Alto Software at marketing@paloalto.com. For product information visit our Website: www.paloalto.com or call: 1-800-229-7526. Copyright © Palo Alto Software, Inc., 1995-2009 All rights reserved.

Legal Page Confidentiality Agreement The undersigned reader acknowledges that the information provided by _________________________ in this business plan is confidential; therefore, reader agrees not to disclose it without the express written permission of _________________________. It is acknowledged by reader that information to be furnished in this business plan is in all respects confidential in nature, other than information which is in the public domain through other means and that any disclosure or use of same by reader, may cause serious harm or damage to _________________________. Upon request, this document is to be immediately returned to _________________________. ___________________ Signature ___________________ Name (typed or printed) ___________________ Date This is a business plan. It does not imply an offering of securities.

............................................................................ 12 Table: Sales Forecast ........................................................................................................................2................ 2 2........................ 12 5................ 11 5..........................................3 Main Competitors ..........................2....3 Service Description ...................1 Competitive Comparison .. 6 4...................... 11 5...................................................... 5 3..................................... 11 5.........................................................3..........................2 Service Business Analysis .......0 Executive Summary .......................................................................1 Promotion Strategy .. 15 6......................................0 Strategy and Implementation Summary ........................................................................................................................................ 14 5....... 6 3........................................ 12 5.................................. 4 3...................2................................................................................................3 Company Locations and Facilities .................................................................................................................................................................................................................4 Fulfillment..... 9 4....................................................................... 4 3........................... 9 4.......3 Pricing Strategy............................. 13 Chart: Sales by Year .................................1 Company Ownership ......................................... 12 5.6 Future Services ....................................................................................................... 2 2.................................................................................................. 8 Table: Market Analysis ............................................................................................................................................................ 10 5........................................1 Management Team ............................................................................................................................1 Sales Forecast................................................................2 Positioning Statement ...................... 2 Table: Start-up Funding ............................................... 7 Chart: Market Analysis (Pie) .................. 11 5................................................................................................................ 1 1................................................................................................................................................2...................................................................................................................................................................................................................................................................................................................................................................................2 Mission ............................................................................... 2 Chart: Start-up ... 9 4...........................................2............... 10 4...............................................................................................................2 Start-up Summary ................................................................................Table of Contents 1.....................................................................................................................................3 Sales Strategy ..............................................1 Business Participants .....................................................................2 Management Team Gaps............................................................ 14 Chart: Milestones ......................... 14 Table: Milestones .......1 Competitive Edge .................................................0 Company Summary .............................................................................1 Market Segmentation ...............................................................................................3 Keys to Success ........................ 6 3....................................................1 Objectives.................................................................................................................................................. 1 1..............................................2 Marketing Strategy ..........5 Technology ........................................................................... 1 1..... 15 6............0 Market Analysis Summary ...........................................................................2 Competition and Buying Patterns ............ 2 2....... 2 2..............................................................................................................................................................................2 Sales Literature ................. 7 4.... 4 Table: Start-up........................................................................ 5 3........................................................................................................................4 Milestones............................. 16 Page 1 ................................................................................................................................................................................. 15 6...................................................0 Services ...... 5 3..... 13 Chart: Sales Monthly ...........................................................................................................0 Management Summary ........................... 1 Chart: Highlights ...............................................2....................................................................................

.........................................Table of Contents 6...................................................................................................................... 24 Table: Ratios ................................................................................................................................. 3 Table: Profit and Loss ......... 17 7.......................................................... 22 Chart: Cash ................................................................................................................................................................................................................................................... 18 Chart: Break-even Analysis ...............................................................................................................................................................0 Financial Plan ..........................................................3 Personnel Plan ................................................................................................................................................................................................................................................................................................................................................ 24 Table: Balance Sheet ............................................................................................................ 4 Table: Balance Sheet .......................................................................................1 Important Assumptions ............................................................................... 25 Table: Sales Forecast ............. 24 7..... 23 7.......................................................................................................... 22 Table: Cash Flow ................................................................................................................................................6 Projected Balance Sheet ........................................7 Business Ratios ..................................... 3 Table: Cash Flow ............................................... 5 Page 2 .......................................................................................................... 1 Table: Personnel .................................................................................................................................. 24 7........ 20 Chart: Profit Monthly ................................................ 16 7........................................................... 16 Table: Personnel .............................................................................................................2 Key Financial Indicators ....... 19 Table: Profit and Loss ..........................................................................................................7 Business Ratios .................................................................................................................................................4 Projected Profit and Loss ...........................................................................................................................................................................................6 Projected Balance Sheet ................................................................................................................................................................................................................................. 2 Table: Personnel .................................5 Projected Cash Flow ...................................................................................................................................... 17 Chart: Benchmarks............ 17 7............................... 18 7....................................................................................... 22 7................................................... 21 Chart: Gross Margin Monthly...................................................................................................................... 16 7................................... 18 Chart: Gross Margin Yearly ............................................................................................................... 4 Table: Cash Flow ... 18 Table: Break-even Analysis................. 17 Table: General Assumptions .............................................................................................3 Break-even Analysis .... 5 Table: Balance Sheet .............................................................................. 2 Table: Profit and Loss ............................................................ 21 Chart: Profit Yearly .......................... 24 7..............................................................................

The founder. 3.1 Objectives 1.0 Executive Summary StructureAll Ltd. Achieve 20% of market value at the end of the third year of operation. will be formed as a consulting firm specializing in structural engineering services. Of this. Philip Nolan. with slow by steady growth over the next two years. more than half is required for start-up expenses while the balance is to to be placed in the company accounts as working capital. using common sense and practical experience. 2.2 Mission Our mission is to provide clients across Canada's North with structural engineering services for all types of buildings. 1. provided an initial investment towards start-up costs. Increase gross margin significantly by the third year of operations. The founder of the firm is a professional engineer with eighteen years of progressive and responsible experience. The firm will specialize in providing three dimensional modeling and visualization to our clients. Implementation of a quality control and assurance program will provide a focus for production work. NT will be established the first year of operations to reduce start up costs. State-of-the-art analysis and design tools will be an integral part of the business plan. Modest revenues the first year.StructureAll Ltd. with a highly skilled professional team working together. A home office in Yellowknife. Chart: Highlights 1. .Consulting Engineers 1. Page 1 . from concept planning through to completion.

3 Keys to Success 1. licenses. office equipment.0 Company Summary StructureAll Ltd. specialty software.000 for AutoCADD® 2000. The software purchases include an allowance of $5. 2. is a new company which provides professional engineering design services for clients which manage. Provide professional quality services on time and on budget.000 Page 2 . 3. Nolan.800 for National Master Specifications.000 $0 $0 $12. will be created as a limited liability company. and plan for residential. Professional Liability Insurance Business Licenses Permit Holder (NAPEGG) Website Development Office Furniture Software Purchases Computer/Office Equipment Other Total Start-up Expenses Start-up Assets Cash Required Other Current Assets Long-term Assets Total Assets Total Requirements $12. Philip Nolan will contribute towards the overall start-up costs.000 $500 $600 $600 $7.2 Start-up Summary Our start-up expenses allow for initial legal expenses. Implement and maintain a quality control and assurance policy. maintain. Develop a follow-up strategy to gauge performance with all clients.1 Company Ownership StructureAll Ltd. $1. and industrial type buildings. and $200 for QuickBooks® (accounting package). commercial. Leslie C. The company will be privately owned by Philip D. stationary. permits.000 $500 $600 $1.200 $1.StructureAll Ltd.000 $500 $500 $13. . Goit will also be listed as a Director.000 $25. 2. an initial balance will be placed in the company accounts. Our focus will be the public sector market in remote communities across Canada's North. and furniture. In addition to these start-up costs. Table: Start-up Start-up Requirements Start-up Expenses Legal Stationery etc. 2.Consulting Engineers 1. 2.

000 $0 $0 $0 $0 $0 Total Capital and Liabilities Total Funding $12.000 ($13.000 $25.000 $12.000 $25.000) $12.000 $12.000 Liabilities and Capital Liabilities Current Borrowing Long-term Liabilities Accounts Payable (Outstanding Bills) Other Current Liabilities (interest-free) Total Liabilities Capital Planned Investment Owner Investor Additional Investment Requirement Total Planned Investment Loss at Start-up (Start-up Expenses) Total Capital $0 $0 $25.Consulting Engineers Table: Start-up Funding Start-up Funding Start-up Expenses to Fund Start-up Assets to Fund Total Funding Required Assets Non-cash Assets from Start-up Cash Requirements from Start-up Additional Cash Raised Cash Balance on Starting Date Total Assets $0 $12.000 $13.StructureAll Ltd.000 Page 3 .000 $0 $12.000 $25. .

Additions. The office space is estimated to be 150 square feet. We will focus on buildings with the following 'Use and Occupancies':    Residential. We offer innovative and economical design services. offers complete structural engineering services. Commercial. Page 4 .3 Company Locations and Facilities We will establish a home office in Yellowknife. Rehabilitation. New construction. We will be installing a dedicated fax line as well as a high-speed Internet connection. Industrial. maintaining state-of-the-art design technology. . special design projects. 3.0 Services StructureAll Ltd.Consulting Engineers Chart: Start-up 2. We meet client needs on projects of all sizes and smaller. An interactive website will also be developed which will serve as a marketing tool. The domain name of "structureall. The company is 'project' oriented where each project involves:     Renovations.com" has already been reserved.StructureAll Ltd. NT in order to reduce start-up costs.

Fee (if requested). StructureAll Ltd.1 Competitive Comparison StructureAll Ltd. Proposal costs will be associated with each project. our competitors rely mostly on two-dimensional models. .. our competitors do not have an integrated database. offers their clients superior service accompanied with state-of-the-art analysis and design capabilities. This system will be modular in nature and include many 'boiler plate' sections which may be edited to suit specific needs. All project information will be tracked using an integrated database management system. contact information. In comparison. We will implement a quality assurance and control program for all projects undertaken. All of our business tools will be year 2000 compliant. We will adopt the layering standards of the American Institute of Architects (AIA). 3.Consulting Engineers 3.3 Service Description Project Consulting: Proposed and billed on a per-project and per-milestone basis. Firm's qualifications to provide services (overview).structureall. This document will serve to focus on the standards which will be achieved and a means of measuring performance.com A series of templates will be developed for project proposals. Scope of services for each project. Page 5 . which covers a broad spectrum of the target market segment will be developed during the initial year of operations.2 Sales Literature A brochure system. A systematic manner of sorting and retrieving a library of structural elements and assemblies will be implemented. Slide libraries will be available from a tool bar within AutoCADD for quick access. Philosophy of design approach. We will offer three-dimensional visualization services to reduce the possibility of spatial conflicts with architectural elements and other engineering disciplines. from conceptual planning to turnover. Nolan. Our website will be developed the first year of operations and include a description of our services. The format for all proposals will include:         Cover letter. http://www.. Project Team (describes each person's tasks and qualifications). An Internet domain name has already been reserved for this purpose . Relevant experience. Schedule to provide services. project consulting offers a client company a way to harness our specific qualities and use our expertise to develop and/or implement plans.StructureAll Ltd. Brochure inserts will be maintained as individual sheets to facilitate their assembly in any custom situation. 3. will adopt the filing systems developed by the AIA. and a brief biography of Philip D. In comparison. the areas which we plan to serve. a list of representative projects.

and construction review services for the repair of building structures.StructureAll Ltd. including arbitration. design. . building envelope and efficiency. At this stage. In the second year of operations. Dispute Resolution: We draw upon our broad range of construction and contract administration experience to provide dispute resolution services. and warranty inspections. renovations. 3. 3.6 Future Services Quality Control and Assurance: Serving the needs of the welding industry. and steel to facilitate this strategy. and remodeling. and general safety issues. 3. This work is supported by forensic engineering services to identify the cause of failures. will maintain an Internet website complete with file transfer protocol (ftp) capabilities. Restoration Engineering: We provide condition survey. specialty connection designs. mediation and expert reports for litigation. pre-engineered dimension lumber trusses. we intend to secure a storefront presence in Yellowknife. Our reports will outline the description of the problem. Project Management: Our project management services include defining client needs. mechanical systems. tendering. repairs. engineered lumber. We provide a photographic record along with a thorough written report. contract administration. bid analysis. electrical systems.Consulting Engineers Forensic Investigations: Proposed and billed on a per-project and per-milestone basis. our investigations will serve the public and private sector markets. preparing bid documents. and a list of options for remedial action including estimated budget costs for implementation. we will ensure that certified firms and their employee welders are qualified to perform specific welds in accordance with the requirements of the Canadian Welding Bureau (CWB) as a certified Welding Page 6 . StructureAll Ltd. construction review. Home Inspections: We will provide prospective homeowners with an assessment of the various systems in a residential home. We will focus on troubleshooting buildings where damage and or failure has occurred. will maintain complete and comprehensive Windows® based analysis tools for structural design. including glued laminated lumber. We have fostered several alliances with suppliers of structural elements. payment certification.4 Fulfillment We will turn to qualified professionals to supplement computer aided design and drafting (CADD) services. framing. An integrated computer aided design and drafting tool permits several evaluations to be made on a structure at minimal cost. including foundations.5 Technology StructureAll Ltd. Projects include new facilities. the nature of the mechanism which has caused damage or failure. and analysis support services which are areas that we can afford to contract out without risking the core values provided to the clients. we will seek qualified northern engineering students to provide them with work experience in a structural engineering office environment.

There are four firms presently in the NWT which require these services in order to maintain their certification with the CWB. Page 7 . 4. and restoration engineering. these types of projects distribute total design fees amongst the professionals involved in accordance with the following guideline:     Architecture Design (65%). StructureAll Ltd. These design services include preparation of plans. project management. Structural Design (10%). Our strategy is to offer these established firms a viable resource from which to draw upon. 3. mediation and expert reports for litigation. The owner will usually contract the A/E to perform planning and design services.0 Market Analysis Summary StructureAll Ltd. Construction services may be limited to occasional field visits and certain contract administration requirements. and estimates.Consulting Engineers Inspector. Electrical Design (10%). will be working toward offering these services to contractors in the future. forensic. 4. specifications. Toll-Free Communications: We will provide our clients a toll-free number to access 24 hours a day in the second year of operations. . will focus on traditional Architect/Engineering (A/E) contracts.1 Market Segmentation The market for engineering services may be summarized with the following groups: 1. We intend to position ourselves as a local firm offering expertise in consulting. including arbitration. Typically. On-site inspections are required four times per year. We are currently in the process of completing a comprehensive home study program offered through the CWB for this purpose. Mechanical Design (15%).StructureAll Ltd. We can undertake the entire structural engineering process or provide assistance to their own in-house staff. Our most important clients will be established architectural/engineering firms who require structural engineering services. The Federal Government also retains consultants for similar purposes. Territorial and Federal Governmental Departments: The Government of the Northwest Territories (GNWT) and the newly created Nunavut Territory retain consultants for a variety of purposes. 2. Established Architectural and Engineering firms: Typically. the structural portions of any building project involve a Prime Consultant who pre-selects their team members and promotes their strengths in a proposal call to prospective clients. Law Firms: We will market our services to the legal community to provide dispute resolution services. This work is supported by forensic engineering services to identify the cause of failures. Fabrication and Detailing Drawings: Serving the special needs of steel and concrete construction.

and new construction.Consulting Engineers 4. We will promote our services to the local municipal governments for this purpose. We will also promote home inspections to those parties contemplating the purchase of a home. Contractors occasionally require structural engineers to submit sealed alternatives for equivalents to construction details. 5. Realtors: In conjunction with home inspections. Chart: Market Analysis (Pie) Page 8 .StructureAll Ltd. Municipal Governments: Remote Municipal Governments in the Territories can expect to have more autonomy with respect to infrastructure growth and development in the years to come. 6. . This manner of describing the potential market is more appropriate for this type of business. we will offer to train those students in each community who are interested in engineering as a career choice. As can be seen. additions. Contractors: We will offer design/build services to contractors for the multitude of potential projects which the Territorial Government and Nunavut Territory have recently undertaken. On the local front. the City of Yellowknife often provides recommendations to builders and homeowners for structural engineering services related to renovations. This initiative is part of the GNWT mandate. we will make all the Realtors aware of this service. The Potential Market Chart and the Market Analysis Table are based on percentages which each of these groups could contribute to the services offered. the Established Architectural/Engineering firms account for 65% of the potential market with the other participants claiming the balance in smaller proportions. Private Individuals: We will focus attention on homeowners in Yellowknife who are renovating or contemplating an addition to their residence. 7. To attract this market potential.

Main Competitors.00% 0.00% 0.800. we will apply 9% as a guideline for design fees. This is the area of the annual operating budget from which all building design consultants must draw upon. Page 9 . Our competition matrix indicates a total of 102 persons within the consulting field in the Territories. The major clients within the Territorial Governments include:    Department of Education. Department of Municipal and Community Affairs. 4.1 Business Participants The majority of consulting services cater to the needs of the Territorial Governments.00% 0. Competition and Buying Patterns.028 million is spent on Operating and Maintenance Expenditures while $142 million is allocated to Capital Expenditures. The Territorial Governments operate on a budget of approximately $1. approximately $1. based on the 1998/1999 Main Estimates. A typical A/E contract derives fee estimates from total budgets. Department of Transportation.00% 0. This figure represents an estimate of the revenues required to sustain engineering consultants in the Territories.339.00% 4. For this analysis.000.Consulting Engineers Table: Market Analysis Market Analysis Year 1 Potential Customers Architectural/Engineering Firms Territorial/Federal Governments Law Firms Constractors Municipal Governments Private individuals Realtors Total Growth 0% 0% 0% 0% 0% 0% 0% 0.340.StructureAll Ltd. This yields a figure of about $5.2.000 in design fees available for distribution to the consulting industry.2 Service Business Analysis The following sections describe in more detail these aspects of the service business environment:    Business Participants. Our analysis of the 1998/1999 Main Estimates indicates a total expenditure of $59. Of this total.000. . Buildings and Works is a sub-category. Based on reasonable estimates of salary expectations including 30% burdens for administration yields a value of about $7.00% 0.00% 0. Within the Capital Expenditures. This total has been subdivided into the types of positions these people hold.00% 65 10 5 5 5 5 5 100 65 10 5 5 5 5 5 100 65 10 5 5 5 5 5 100 65 10 5 5 5 5 5 100 65 10 5 5 5 5 5 100 Year 2 Year 3 Year 4 Year 5 CAGR 0.00% 0.170 million per year.

than if the same job started at $30K or even $35K. Firehalls. Clients are much more likely to be offended when a job starts at $20K and ends up at $30K because of overruns. In addition to new construction. Warehouses. Clients rarely compare consultants directly. rather than selecting from a menu of possible providers. StructureAll Ltd. rehabilitation. the Territorial Governments issue a proposal call to consultants to service these needs. These types of buildings are constructed on a rotating basis across several communities in the NT. NT and Whitehorse.StructureAll Ltd. Clients and potential clients expect to pay substantial fees for the best quality professional advice. Community Halls. 4. will also promote its services as structural specialists and project managers to the Territorial Governments. The most important element of general competition. They underutilize the programs at their disposal for structural analysis and design. Typically.Consulting Engineers From this evaluation. Page 10 . Health Centres. is sensitive. however. by far. The Territorial Governments retain consultants for the following types of buildings:       Schools.2 Competition and Buying Patterns Pricing of projects and billing rates are surprisingly variable. Usually they follow word-of-mouth recommendations and either go for the job or not. Arenas. . StructureAll will position itself as a Structural Sub-Consultant or resource to the Prime Consultant. looking for two. NT. There is no systematic manner in which standard block libraries are maintained or updated. Their principal strength is undertaking a project from inception through to completion under one roof. possible providers of a proposed project or job.3 Main Competitors 1. there is only one structural engineer who services the needs of all their in-house architects and outside clients. the Territorial Governments account for close to 70% of design fees while other participants in the building marketplace account for the balance. is what it takes to keep clients for repeat business. and additions are also in demand. or more. Their weakness stems from an understaffed structural engineering group.2. it is easier to be priced too low than too high. YT besides a head office located in Yellowknife. 4. In consulting at this level. renovations. Ferguson Simek Clark (FSC Group): This well established architectural and multidiscipline engineering firm would be our main competitor.2. This firm has branch offices in Iqaluit. The nature of the billing. It is worth making huge concessions in any single project to maintain a client relationship that brings the client back for future projects. The drafting aspects of any project rely upon recollection and modification of past projects typically. At present.

1 Promotion Strategy We will be using the Internet extensively in our sales promotion. . At present. Together with a well targeted direct mail and e-mail campaign.2. StructureAll Ltd. We will also offer technical services at discount rates to non-profit organizations.Consulting Engineers 2. 3. Girvan and Associates: This is a small one person architectural and engineering firm which specializes in providing services for residential construction projects.structureall. Quality control and assurance program. We are also licensed to practice in the Yukon Territories.1 Competitive Edge StructureAll Ltd. there is no resident structural engineer on staff in Yellowknife. It is our hope that we can form a strategic alliance to carry out consulting work jointly as needs and occasions arise. (ADWEL): This multi-discipline engineering firm is well established in Yellowknife. however a separate Association of Professional Engineers for Nunavut is anticipated. Williams Engineering Ltd. offers the following competitive edge:    State-of-the-art modeling. Ian Girvan services the private sector mostly. and e-mail. The target client is usually an Architect Manager. 5.com. 5. Their head office is located in Edmonton. A. and drafting capabilities. design.D. we will contact the local principals in elementary and high schools offering them a speaker on structural engineering as a career choice.0 Strategy and Implementation Summary StructureAll Ltd. info@structureall. although we have not planned for any aggressive marketing in this area. and promotion strategy. will apply for the Northwest Territories Business Incentive Policy. 5. will focus on the Western Arctic area initially. pricing. 5. This policy is directed at those firms resident in the Northwest Territories and provides incentives with respect to evaluation of services.com).StructureAll Ltd. analysis. We believe the creation of Nunavut will still provide opportunities for structural engineering services. Page 11 . we will make all the major players in the marketplace aware of our presence. When travelling to remote communities. An Internet website (http:\\www. We will focus our limited advertising budgets to promote community sponsored events. They can draw on additional resources from the core group as required to meet the demands of project schedules.2 Marketing Strategy The sections which follow describe in more detail our positioning statement. Alberta.

Direct unit costs for the first year have been set at less than one-third of unit revenues. We expect sales to remain at a constant level after three months of operation.3 Pricing Strategy Most consulting work is billed on an hourly basis to pre-determined levels dictated by project schedule milestones. We have assigned a rate of $80/hour for basic consulting services and $40/hour for drafting services.3 Sales Strategy Success in a consulting market is focused on client service and typically translates into repeat business. offers a competitive and economical option. 5. Revenues will be limited while a generic quality management plan is formulated and basic office administration tasks are completed. We predict the first two months of operations will be slow. Billing rates are not negotiated.2 Positioning Statement For established engineering and architectural firms in Yellowknife who require structural engineering sub-consultant services. directly or arrangements can be made to supplement and assist their own in-house staff.StructureAll Ltd. then we must offer less service. In the third year of operations.2. Our unit rate for basic consulting services has been set at $80/hour. StructureAll Ltd. When a potential client questions the cost of a project.3. This is a conservative assumption based on published salary guideline levels for engineering professionals. we plan to increase gross margin as a result of providing a more efficient service to our clients. Our unit rate for CADD services is $40/hr.2. Projects may be delegated to StructureAll Ltd. 5. One exception to this rule would be for not-for-profit organizations where marketing can be traded for services in kind. which yields a high gross margin.Consulting Engineers 5. These are conservative values for the consulting market. We will avoid the pitfall of buying a project. Page 12 . . only to find the scope of work far exceeds renumeration. We have used conservative unit rates to remain more competitive. If the budget is for less money. 5. we explain the benefits and refer to our proposal which clearly outlines the tasks to be performed.1 Sales Forecast The following table and chart summarizes forecasted sales.

00 $80.000 Year 3 $16.200 $10.000 $32.00 $8.00 $80.916 Year 1 $80.600 $55.400 $9.800 $4.00 $80.560 $5.200 $7.000 $180.680 $35.800 $8.400 $27.800 $40.00 690 240 96 890 1.600 $84.00 $40.00 $64.200 $2.200 $19.000 $5.Consulting Engineers Table: Sales Forecast Sales Forecast Year 1 Unit Sales Project Consulting Project Management Home Inspections Computer Aided Drafting Services Total Unit Sales Unit Prices Project Consulting Project Management Home Inspections Computer Aided Drafting Services Sales Project Consulting Project Management Home Inspections Computer Aided Drafting Services Total Sales Direct Unit Costs Project Consulting Project Management Home Inspections Computer Aided Drafting Services Direct Cost of Sales Project Consulting Project Management Home Inspections Computer Aided Drafting Services Subtotal Direct Cost of Sales $16.00 Year 2 Year 3 Chart: Sales by Year Page 13 .120 Year 2 $80.00 $80.StructureAll Ltd.000 $22.760 $2.600 $117.00 $80.00 800 280 120 1.680 $35.480 $1.00 $10.00 $20.680 Year 1 $24.000 2.00 $20.00 $80.00 750 260 110 1.00 $16.00 $16.400 $12.000 $20.250 Year 3 $80. .600 Year 2 $20.00 $40.050 2.304 $15.00 $24.00 $24.00 $60.000 $129.00 $12.00 $80.304 $10.920 $8.

with dates and managers in charge. What the table doesn't show is the commitment behind it. The milestone schedule indicates our emphasis on planning for implementation.4 Milestones The accompanying table lists important program milestones. .-actual analysis.400 Manager PN PN PN PN PN PN Department Administrative Administrative Administrative Administrative Administrative Administrative Page 14 . and budgets for each. Our business plan includes complete provisions for plan-vs.StructureAll Ltd. which will be updated monthly to compare the variance and plan for course corrections.200 $2. Table: Milestones Milestones Milestone Complete Incorporation Acquire Tradename for Internet Website Submit Business License Application to City Acquire WCB Coverage Apply for Staad-Pro Core Financing Acquire E&O Insurance Totals Start Date 4/1/1999 3/6/1999 4/1/1999 4/1/1999 4/1/1999 4/1/1999 End Date 4/15/1999 3/6/1999 4/16/1999 4/16/1999 4/16/1999 4/16/1999 Budget $500 $400 $250 $50 $0 $1.Consulting Engineers Chart: Sales Monthly 5.

Eng.. Phil will be responsible for soliciting clients.0 Management Summary StructureAll Ltd. . Phil worked for consulting engineers in Toronto.1 Management Team Philip Nolan. Page 15 . of Canada Ltd. and all daily aspects of running the business. Phil moved to Yellowknife where he worked for the GNWT as a Project Engineer. Following graduation in 1981. Phil was with the GNWT for six years.Consulting Engineers Chart: Milestones 6. From 1988 to 1991. Phil Nolan will be responsible for all daily operations in the firm. marketing. In 1992. Bridge Inspections. In 1982. including Little Buffalo River Bridge. Phil gained experience working on a host of community development and transportation related projects. 6. will initially have one employee who is also acting as general manager. Phil worked for Reid Crowther & Partners Ltd. including the Whitemud Ravine Pedestrian Bridges. Quebec in 1981 with a Bachelor of Engineering degree. promotion. He graduated from McGill University in Montreal. P.StructureAll Ltd. has eighteen years of progressive and responsible engineering experience. Alberta on a host of bridge design and rehabilitation projects. Ontario on a variety of transportation planning projects. and Bridge Rehabilitations. Phil worked for Foundation Co. out of Edmonton. a large multi-national contracting firm as a project engineer where he gained experience in the use of explosives at the Magpie River Hydro Development and continued gaining experience on several bridge projects.

The detailed monthly personnel plan for the first year is included in the appendix.000 Year 3 $70. Table: Personnel Personnel Plan Year 1 Owner Name or Title or Group Total People Total Payroll $50. We will invest in continuing education to fulfill this need.Consulting Engineers From 1993 to 1995. Phil will be the principal designer of all projects at StructureAll Ltd. Page 16 . . We will be looking to an outside source for ensuring the books are kept in order and up to date.000 Year 2 $60. with compensation increasing from $50K the first year to $70K in the third. Break-Even Analysis. including quality control and assurance services for schools. will require administrative support to ensure clients are billed on a timely basis. and other buildings.000 $0 0 $50.2 Management Team Gaps StructureAll Ltd. 6. Projected Cash Flow. Phil is currently working on a contract basis for Ferguson Simek Clark. Phil was self employed as a private consultant offering services in quality control and assurance for building construction where he gained considerable experience in Preserved Wood Foundations and their use in residential and commercial applications.000 $0 0 $70. Projected Profit and Loss. We have accounted for this in the business plan. In May of 1995. arenas. Key Financial Indicators.3 Personnel Plan The following table summarizes our personnel expenditures for the first three years. Projected Balance Sheet.StructureAll Ltd.000 7. Self sufficiency in computer aided drafting capabilities will require Phil to become more familiar with AutoCADD 2000 as a drafting tool.000 $0 0 $60. 6. Business Ratios.0 Financial Plan The financial plan which follows summarizes information regarding the following items:        Important Assumptions. Phil joined the Ferguson Simek Clark (FSC) team of professionals and was responsible for all structural design. health centres.

00% 10.00% 30. We foresee modest growth in sales and a marginal reduction in operating expenses for the years presented. The monthly assumptions are included in the appendix. We assume the creation of Nunavut will not dramatically change the delivery of engineering services. without major recession. and personnel burdens are based on conservative assumptions. Table: General Assumptions General Assumptions Year 1 Plan Month Current Interest Rate Long-term Interest Rate Tax Rate Other 1 10.00% 30.00% 30.Consulting Engineers 7. most of which are shown in the following table as annual assumptions. Interest rates.00% 10.00% 0 Year 3 3 10.00% 10. Chart: Benchmarks Page 17 .00% 0 7.1 Important Assumptions The financial plan depends on important assumptions. Some of the more important underlying assumptions are:    We assume a strong economy. tax rates. .StructureAll Ltd.2 Key Financial Indicators The following benchmark chart indicates our key financial indicators for the first three years.00% 0 Year 2 2 10.

792 111 $6. the table and chart below show the number of billing targets per month we will need to cover our costs. We don't really expect to reach break-even until a few months into the business operation.3 Break-even Analysis The following table and chart summarize our break-even analysis.4 Projected Profit and Loss The gross margin for a service-based business is a reflection of the efficiency at which those services are offered. we have targeted a high gross margin.845 Chart: Break-even Analysis 7. This is not an unreasonable figure for a consulting business.43 $4.StructureAll Ltd.Consulting Engineers 7. The unit revenue value of $60/hour is an aggregate measure for all the types of services which will be offered. The break-even assumes unit variable costs at 30 percent of unit revenue. . In the initial year of operations. Net Profit/Sales is determined to be modest the first year. With our estimated monthly fixed costs. again increasing slightly in the second year and the third year. we have targeted slightly increased gross margins to indicate overall improved efficiency at service delivery. In order to fulfill the requirements of Page 18 . Table: Break-even Analysis Break-even Analysis Monthly Units Break-even Monthly Revenue Break-even Assumptions: Average Per-Unit Revenue Average Per-Unit Variable Cost Estimated Monthly Fixed Cost $61. For the second and third year of operations.42 $18.

This feature permits us to place electronic media on the Internet for our clients and strategic allies. the Web host. Through Falconair Insurance. This program fulfills the need to carry out three-dimensional analysis and design requirements and is a key feature of the business plan.com.) and will made arrangements to purchase this tool on four payments of $1. Errors and Omissions Insurance is required for all consultants working on behalf of the Territorial Governments. we have made arrangements to purchase software on quarterly repayment options:  Staad-Pro Core is a structural engineering design and drafting suite offered through Research Engineers Ltd.StructureAll Ltd.   Chart: Gross Margin Yearly Page 19 .550 over the first year of operations. . with subsequent years indicated at the same annual premium. we have received a quotation of $1. As part of this service.200/year for this coverage. This program supports Canadian codes and standards. The first year's premium payments are included in the startup costs. We have contacted the authorized Canadian reseller (Detech Corporation Ltd. Website hosting fees are included as quarterly payments to Internic.Consulting Engineers the mission statement and simultaneously reduce start up costs. we will have at our disposal file transfer protocol capabilities.

680 $35.500 $0 $0 $57.304 $0 $35.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $10.00% Year 3 $180.000 $27.304 $82.400 84.500 $0 $0 $80.400 $97.67% Expenses Payroll Marketing/Promotion Depreciation Website Hosting Fees Engineering Assoc Annual Fees Continuing Education Yellow Pages/White Pages Telephone/Fax Software Purchases (Staad-Pro Core) Utilities Errors and Omissions Insurance Rent Payroll Taxes Contract/Consultants Other Total Operating Expenses Profit Before Interest and Taxes EBITDA Interest Expense Taxes Incurred Net Profit Net Profit/Sales $50.570 $50.876 $0 $7.200 $28.200 75.000 $0 $0 $69.330 27.96% Page 20 .460 $19.376 70.900 $0 $21.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $7.500 $71.StructureAll Ltd.413 14.80% $60.000 $28.Consulting Engineers Table: Profit and Loss Pro Forma Profit and Loss Year 1 Sales Direct Cost of Sales Other Costs of Sales Total Cost of Sales Gross Margin Gross Margin % $117.600 $0 $27.463 $17.00% Year 2 $129.500 $24. .740 15.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $9.600 $32.600 $152.900 $71.200 $0 $8.400 $0 $32.23% $70.876 $24.

.StructureAll Ltd.Consulting Engineers Chart: Profit Monthly Chart: Profit Yearly Page 21 .

Chart: Cash Page 22 . The monthly cash flow is shown in the illustration.5 Projected Cash Flow Cash flow projections are critical to our success. The annual cash flow figures are included here and the more important detailed monthly numbers are included in the appendix. with one bar representing the cash flow per month.Consulting Engineers Chart: Gross Margin Monthly 7. . The first few months are critical.StructureAll Ltd. and the other the monthly balance. It may be necessary to inject additional capital in this time-frame if the need arises.

864 $42.560 Year 2 $0 $0 $0 $0 $0 $0 $0 $171.560 $127.380 $0 $0 $0 $0 $0 $0 $0 $109.560 $0 $171.541 $97.375 Year 3 $0 $97.Consulting Engineers Table: Cash Flow Pro Forma Cash Flow Year 1 Cash Received Cash from Operations Cash Sales Cash from Receivables Subtotal Cash from Operations Additional Cash Received Sales Tax.000 $58. VAT.000 $46.541 Year 1 $0 $0 $0 $0 $0 $0 $0 $127.868 $109.864 $0 $0 $0 $0 $0 $0 $0 $97.000 $49. HST/GST Received New Current Borrowing New Other Liabilities (interest-free) New Long-term Liabilities Sales of Other Current Assets Sales of Long-term Assets New Investment Received Subtotal Cash Received Expenditures Expenditures from Operations Cash Spending Bill Payments Subtotal Spent on Operations Additional Cash Spent Sales Tax.StructureAll Ltd.868 $70.692 $31.161 $1.864 $128.868 $17. VAT.161 $60. HST/GST Paid Out Principal Repayment of Current Borrowing Other Liabilities Principal Repayment Long-term Liabilities Principal Repayment Purchase Other Current Assets Purchase Long-term Assets Dividends Subtotal Cash Spent Net Cash Flow Cash Balance $0 $0 $0 $0 $0 $0 $0 $96.375 Year 2 Year 3 Page 23 .541 $0 $127.073 $0 $0 $0 $0 $0 $0 $0 $128.584 $50. .375 $171.380 $13.161 $96.511 $73.

153 $53.251 Year 2 $0 $0 $0 $104.153 $50. Industry profile ratios based on the Standard Industrial Classification (SIC) code 8711.179 $0 $53. Page 24 .153 $4.StructureAll Ltd.000 $4.106 $25.098 $0 $4.000) $17.388 Year 3 $13.380 $20. Engineering Services.251 $49.483 $0 $0 $0 $33. .904 $0 $4.098 $0 $0 $4.413 $19.804 $0 $104.904 $25.251 $73.106 $0 $0 $4.388 Year 2 Year 3 7. The monthly estimates are included in the appendix.7 Business Ratios Business ratios for the years of this plan are shown below.413 $33.073 $22.519 Year 1 $0 $0 $0 $53. are shown for comparison.Consulting Engineers 7.000 $24.139 $0 $33. Table: Balance Sheet Pro Forma Balance Sheet Year 1 Assets Current Assets Cash Accounts Receivable Other Current Assets Total Current Assets Long-term Assets Long-term Assets Accumulated Depreciation Total Long-term Assets Total Assets Liabilities and Capital Current Liabilities Accounts Payable Current Borrowing Other Current Liabilities Subtotal Current Liabilities Long-term Liabilities Total Liabilities Paid-in Capital Retained Earnings Earnings Total Capital Total Liabilities and Capital Net Worth $4.330 $99.519 $31.740 $49.519 $29.584 $30.904 $0 $0 $4.6 Projected Balance Sheet The balance sheet in the following table shows managed but sufficient growth of net worth and a sufficiently healthy financial position.413 $29.000 ($13.098 $25.388 $99.106 $0 $4.413 $4.483 $104.

41 8% 7.71% 0.00% 12.14 1.00 0.00% 21.17 28 1.00% 0.00% 100.Consulting Engineers Table: Ratios Ratio Analysis Year 1 Sales Growth Percent of Total Assets Accounts Receivable Other Current Assets Total Current Assets Long-term Assets Total Assets Current Liabilities Long-term Liabilities Total Liabilities Net Worth Percent of Sales Sales Gross Margin Selling.52% 100.08% 0.20% 0.a 1.00% 0.00% 75.00% 21.71% 11.67% 56.23% 40.14% 100.00% 35.a n. General & Administrative Expenses Advertising Expenses Profit Before Interest and Taxes Main Ratios Current Quick Total Debt to Total Assets Pre-tax Return on Net Worth Pre-tax Return on Assets Additional Ratios Net Profit Margin Return on Equity Activity Ratios Accounts Receivable Turnover Collection Days Accounts Payable Turnover Payment Days Total Asset Turnover Debt Ratios Debt to Net Worth Current Liab.00% 100.00% 100.06% 100.76% 100.28 21.13% 23.00 1.67% 60.00 n.88% Year 3 27.28 4.413 0.00% 4.a n.00% 100.84 57 12.35% 47.96% 50.16% 21.37% 52.70% 0.20% Page 25 .00 n.99 12.51% 0.00% 100.84 54 12.a n.00% 84.a $29.26 4.00% 73.StructureAll Ltd.00 0.96% Year 2 15.00% 39.a.72 n. .a n.00 n.64 0.65% 0.08 1.00 0.70% 92.a n.13% Year 3 38.21% Year 1 14.00 0.24% 41.20% 12.00 $49.58 2.70% 57.28 12% 3.a 5.81 0.a 8.75% 41.77% 0.57% 74. Liquidity Ratios Net Working Capital Interest Coverage Additional Ratios Assets to Sales Current Debt/Total Assets Acid Test Sales/Net Worth Dividend Payout 0.483 0.00% 55.16 12.80% 59.70% 95.00 0.70% 72.16 8.00% 4.14% 82.153 0.58 5% 15.00% 100.00% 0.00% 7.30% 29.00% 7.17 30 2.70% 0.74% n.25% 0.05 1.84 60 12.43 5. Year 2 10.a 0.76 1.91% 11.59% n.30% 37.a n.25% 87.00% 59.a n.27% 68.a n.00% 70.51 5.42% 2.00 $99.25% 84. to Liab.26% 52.00% 12.63% 0.a n.a n.48% 17.40 51.a n.24 27 3.94% 100.89% Industry Profile 8.00% 100.99 7.

00 $12.00 $4.440 $480 $192 $960 $3.00 $40.240 Month 12 $24.Appendix Table: Sales Forecast Sales Forecast Month 1 Unit Sales Project Consulting Project Management Home Inspections Computer Aided Drafting Services Total Unit Sales Unit Prices Project Consulting Project Management Home Inspections Computer Aided Drafting Services Sales Project Consulting Project Management Home Inspections Computer Aided Drafting Services Total Sales Direct Unit Costs Project Consulting Project Management Home Inspections Computer Aided Drafting Services Direct Cost of Sales Project Consulting Project Management Home Inspections Computer Aided Drafting Services Subtotal Direct Cost of Sales $1.00 $4.240 Month 10 $24.00 $40.00 $80.00 $80.00 $4.600 $640 $2.440 $480 $192 $960 $3.00 60 20 8 80 168 Month 10 $80.200 $10.00 $24.00 $4.800 $1.600 $640 $2.00 $24.00 $80.00 $24.200 $10.00 $80.00 $40.00 $24.00 60 20 8 80 168 Month 6 $80.00 $80.00% 0.072 $1.00 $24.440 $480 $192 $960 $3.00 $80.00 $80.440 $480 $192 $960 $3.200 $10.00 $40.00 $12.800 $1.00 60 20 8 80 168 Month 7 $80.00 0% 0% 0% 0% 50 20 8 40 118 Month 1 $80.440 $480 $192 $960 $3.00 $40.00 $80.352 $1.240 Month 4 $24.840 Month 1 $24.00 $12.400 $8.240 Month 7 $24.00 60 20 8 80 168 Month 4 $80.00 $4.00 $24.00 $4.00 $12.00 $4.00 $24.00 $24.600 $640 $3.440 $480 $192 $960 $3.800 $1.00 $12.00 $24.600 $640 $3.00 $4.00 $80.00 $80.00 $80.00 60 20 8 80 168 Month 9 $80.000 $1.200 $10.00 $40.072 $1.800 $1.00 $4.00 $80.800 $9.240 Month 8 $24.00 $12.592 $1.600 $640 $3.00 $80.00 $80.200 $10.00 60 20 8 80 168 Month 8 $80.072 0.00 $12.00 $24.00 $40.000 $1.200 $480 $192 $720 $2.712 $1.00 $40.00 $24.800 $1.00 $24.640 Month 2 $24.00 $12.00 $12.00 $24.00 $24.00 $24.00% 0.800 $1.600 $640 $3.600 $640 $3.00 $80.200 $10.600 $7.00 $24.600 $640 $3.00 $80.00 60 20 8 80 168 Month 12 $80.600 $640 $1.00 $24.200 $480 $192 $480 $2.00 $4.00 50 20 8 70 148 Month 3 $80.200 $10.800 $1.00 $4.200 $480 $192 $840 $2.00 $12.800 $1.600 $640 $3.00 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Page 1 .200 $10.00 $80.00 $80.00 $24.00 $40.072 $1.00 $80.072 $1.200 $10.00 $80.00 $40.00 $80.040 Month 3 $24.240 Month 11 $24.600 $640 $3.440 $480 $192 $960 $3.440 $480 $192 $960 $3.00 $12.00 $80.800 $1.00 60 20 8 80 168 Month 5 $80.00% $4.072 $1.240 Month 9 $24.00 $24.00 $24.00 $80.00 $40.00% 0.00 $24.00 $12.072 $1.072 $1.00 $24.00 $80.00 50 20 8 60 138 Month 2 $80.00 60 20 8 80 168 Month 11 $80.440 $480 $192 $960 $3.00 $40.240 Month 5 $24.072 $1.00 $24.240 Month 6 $24.600 $640 $3.00 $24.000 $1.

000 Month 8 $5.000 $0 0 $5.000 Month 4 $4.000 $0 0 $5.500 $0 0 $2.000 $0 0 $3.000 Month 6 $4.000 $0 0 $5.000 $0 0 $5.000 Page 2 .000 Month 9 $5.000 Month 7 $5.000 $0 0 $5.000 $0 0 $4.000 $0 0 $4.000 $0 0 $4.500 Month 2 $2.Appendix Table: Personnel Personnel Plan Month 1 Owner Name or Title or Group Total People Total Payroll 0% 0% $2.000 Month 10 $5.000 $0 0 $5.000 Month 11 $5.000 Month 12 $5.500 $0 0 $2.500 Month 3 $3.000 Month 5 $4.

592 $0 $2.168 70.878 $2.173 $3.750 $1.712 $0 $2.750 $1.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $750 $0 $0 $5.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $750 $0 $0 $5.568 $0 $770 $1.072 $7.240 $3.328 70.168 70.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $750 $0 $0 $5.168 70.418 $1.712 $6.568 $2.640 $2.488 70.00% Month 3 $9.418 $0 $425 $993 9.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $750 $0 $0 $5.418 $1.221 25.072 $0 $3.168 70.418 $1.072 $7.798 17.798 17.072 $7.072 $7.568 $0 $770 $1.00% Month 6 $10.072 $0 $3.240 $3.840 $2.072 $7.55% $5.500 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $375 $0 $0 $2.00% Month 5 $10.568 $0 $770 $1.568 $2.613 $2.418 $0 $425 $993 9.418 $1.072 $0 $3.71% $3.418 $1.00% Month 8 $10.750 $1.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $600 $0 $0 $4.00% Month 12 $10.00% Month 4 $10.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $600 $0 $0 $4.592 $6.168 70.875 $3.750 $1.00% Month 11 $10.168 70.168 70.418 $0 $425 $993 9.878 $0 $863 $2.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $750 $0 $0 $5.240 $3.00% Month 7 $10.072 $7.568 $2.072 $7.048 70.55% $4.600 $2.072 $7.072 $0 $3.600 $2.173 $0 $952 $2.072 $0 $3.500 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $375 $0 $0 $2.69% $5.072 $7.418 $0 $425 $993 9.240 $3.040 $2.33% $2.240 $3.240 $3.240 $3.613 $0 $784 $1.352 $0 $2.69% $5.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $600 $0 $0 $4.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $750 $0 $0 $5.875 $2.418 $0 $425 $993 9.240 $3.240 $3.600 $2.072 $0 $3.29% $4.352 $5.69% $5.69% Page 3 .072 $0 $3.00% Expenses Payroll Marketing/Promotion Depreciation Website Hosting Fees Engineering Assoc Annual Fees Continuing Education Yellow Pages/White Pages Telephone/Fax Software Purchases (Staad-Pro Core) Utilities Errors and Omissions Insurance Rent Payroll Taxes Contract/Consultants Other Total Operating Expenses Profit Before Interest and Taxes EBITDA Interest Expense Taxes Incurred Net Profit Net Profit/Sales 0% 15% $2.000 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $450 $0 $0 $3.418 $0 $425 $993 9.69% $5.168 70.072 $0 $3.168 70.450 $2.015 22.00% Month 2 $8.072 $0 $3.418 $1.69% $5.Appendix Table: Profit and Loss Pro Forma Profit and Loss Month 1 Sales Direct Cost of Sales Other Costs of Sales Total Cost of Sales Gross Margin Gross Margin % $7.00% Month 9 $10.750 $1.55% $4.798 17.829 23.750 $1.00% Month 10 $10.

436 $9.403 $0 $0 $0 $0 $0 $0 $0 $9.240 $0 $10. HST/GST Paid Out Principal Repayment of Current Borrowing Other Liabilities Principal Repayment Long-term Liabilities Principal Repayment Purchase Other Current Assets Purchase Long-term Assets Dividends Subtotal Cash Spent Net Cash Flow Cash Balance $0 $0 $0 $0 $0 $0 $0 $2.247 $993 $13.922 $4.000 $4.025 $3.500 $117 $2.247 $993 $9.617 ($2.240 Month 6 $0 $0 $0 $0 $0 $0 $0 $10.240 $10. VAT.247 $9.00% $0 $0 $0 $0 $0 $0 $0 $0 Month 1 $0 $0 $0 $0 $0 $0 $0 $261 Month 2 $0 $0 $0 $0 $0 $0 $0 $7.247 $9.000 $4.383 $0 $0 $0 $0 $0 $0 $0 $6.867 Month 3 $0 $0 $0 $0 $0 $0 $0 $8.525 $6.763) $3.240 $10.000 $4.417 $0 $0 $0 $0 $0 $0 $0 $9.442 $5.240 Month 7 $0 $0 $0 $0 $0 $0 $0 $10.500 $3.247 $5.039 $614 $5.442 $4.000 $4.442 $638 $5.240 $0 $10.240 $10.178 $0 $0 $0 $0 $0 $0 $0 $8.240 $10.247 $5.816 $0 $0 $0 $0 $0 $0 $0 $8.240 $10.000 $3.240 Month 12 $0 $0 $0 $0 $261 $261 $0 $7.247 0.617) $9.240 Month 9 $0 $0 $0 $0 $0 $0 $0 $10.867 $0 $8.653 $0 $9.247 $5.247 $9.240 Month 8 $0 $0 $0 $0 $0 $0 $0 $10.000 $4.080 Month 5 $0 $0 $0 $0 $0 $0 $0 $10.798 $7.025 ($5.653 Month 4 $0 $0 $0 $0 $0 $0 $0 $9. VAT.240 $10.240 $0 $10.436 $804 $8.080 $9.039 $4.000 $4.240 $10.613 $0 $0 $0 $0 $0 $0 $0 $9.388 $0 $0 $0 $0 $0 $0 $0 $9.039 $8.247 $9.240 $0 $10.000 $4.380 $2.000 $4.564 $0 $0 $0 $0 $0 $0 $0 $8.240 Month 10 $0 $0 $0 $0 $0 $0 $0 $10.410 $0 $0 $0 $0 $0 $0 $0 $9.922 $944 $4.000 $4.395 $0 $0 $0 $0 $0 $0 $0 $9.247 $5.442 $8.247 $993 $11.867 $7. HST/GST Received New Current Borrowing New Other Liabilities (interest-free) New Long-term Liabilities Sales of Other Current Assets Sales of Long-term Assets New Investment Received Subtotal Cash Received Expenditures Expenditures from Operations Cash Spending Bill Payments Subtotal Spent on Operations Additional Cash Spent Sales Tax.080 $0 $10.442 $1.653 $8.240 $0 $10.620 $0 $0 $0 $0 $0 $0 $0 $6.247 $993 $10.240 $0 $10.240 Month 11 $0 $0 $0 $0 $0 $0 $0 $10.442 $8.240 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Page 4 .617 $2.247 $993 $12.247 $9.Appendix Table: Cash Flow Pro Forma Cash Flow Month 1 Cash Received Cash from Operations Cash Sales Cash from Receivables Subtotal Cash from Operations Additional Cash Received Sales Tax.436 $5.922 $6.

223 $3.106 $0 $0 $4.000 ($13.106 $0 $4.139 $0 $29.000) $0 $12.000 $9.065 $18.065 $4.294 $25.000 ($13.139 $0 $31.421 $4.956 $18.838 $4.294 $25.519 Starting Balances Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Page 5 .752 Month 6 $0 $0 $0 $28.000 $0 $0 $0 $17.000 ($13.000 ($13.294 $0 $0 $4.838 $16.752 $23.541 $11.000) $14.139 $0 $25.891 $0 $0 $3.556 $9.000 ($13.219 $0 $19.435 $30.541 Month 9 $0 $0 $0 $31.549 $10.954 $21.000) $16.403 $20.891 $0 $3.458 $23.752 $8.788 $0 $0 $3.394 $25.000) $9.223 $13.526 $28.000) $4.050 $19.000) $7.000 ($13.000 $3.541 $26.549 $25.410 $20.294 $0 $0 $4.000 ($13.157 $19.106 $0 $0 $4.106 $0 $0 $4.065 $21.050 $3.862 $19.394 $0 $0 $3.178 $18.000) $17.139 $0 $32.829 $13.613 $20.428 $27.000) $12.294 $0 $4.979 $0 $24.000) $15.458 $4.954 $7.956 $5.000 ($13.294 $25.450 $28.862 $4.956 Month 3 $0 $0 $0 $24.000 $12.106 $25.413 $0 $0 $0 $12.388 $20.620 $16.435 $4.000 ($13.106 $25.862 $24.413 $33.421 $28.000) $13.395 $20.139 $0 $30.392 $0 $21.139 $0 $28.891 $25.106 $25.383 $7.106 $25.050 $16.106 $0 $4.000 ($13.000 ($13.660 $4.660 $25.106 $0 $4.458 $27.428 $4.788 $25.380 $20.534 $12.564 $17.157 Month 4 $0 $0 $0 $25.450 $4.394 $0 $3.294 $0 $4.556 $24.139 $0 $33.660 $21.000) $1.106 $25.519 $29.519 Month 12 $12.106 $0 $0 $4.838 Month 2 $0 $0 $0 $21.106 $0 $4.000 $0 $0 $12.139 $0 $27.534 Month 10 $0 $0 $0 $32.106 $0 $4.413 $29.788 $0 $3.556 Month 7 $0 $0 $0 $29.549 Month 8 $0 $0 $0 $30.450 $24.443 $25.223 Month 1 $0 $0 $0 $19.000 ($13.294 $0 $4.829 $17.534 $27.443 $29.417 $20.Appendix Table: Balance Sheet Pro Forma Balance Sheet Month 1 Assets Current Assets Cash Accounts Receivable Other Current Assets Total Current Assets Long-term Assets Long-term Assets Accumulated Depreciation Total Long-term Assets Total Assets Liabilities and Capital Current Liabilities Accounts Payable Current Borrowing Other Current Liabilities Subtotal Current Liabilities Long-term Liabilities Total Liabilities Paid-in Capital Retained Earnings Earnings Total Capital Total Liabilities and Capital Net Worth $0 $0 $0 $0 $0 $0 $25.000) $11.421 $32.829 $3.106 $0 $0 $4.954 Month 5 $0 $0 $0 $27.526 Month 11 $0 $0 $0 $33.000 ($13.157 $5.816 $20.294 $0 $0 $4.000 $12.428 $31.106 $0 $0 $4.840 $0 $17.435 $26.106 $0 $4.443 $4.106 $25.526 $13.000) $6.

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