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[Company Name]

Required Start-Up Funds

Amount

Fixed Assets
Real Estate-Land
Buildings
Leasehold Improvements
Equipment
Furniture and Fixtures
Vehicles
Other Fixed Assets
Total Fixed Assets

$ 5,000.00
$ 20,000.00
$
$ 2,000.00
$
$
$
-

Operating Capital
Pre-Opening Salaries
Prepaid Insurance Premium
Inventory
Legal and Accounting Fees
Rent Deposits
Utility Deposits
Supplies
Advertising and Promotions
Licenses
Other Initial Start-Up Costs
Working Capital
Total Operating Capital

$
$
$
$
$
$
$
$
$
$
$

1,000.00
2,000.00
1,500.00
500.00
300.00
600.00
150.00
-

Total Required Funds

Sources of Funding
Owner's Equity
Outside Investors
Additional Loans or Debt
Commercial Loan
Commercial Mortgage
Credit Card Debt
Vehicle Loans

Amount
44%
15%
0%
37%
4%
0%

Other Bank Debt

Total Sources of Funding

0%

Start-up Expense Analysis

Or, Clic
Totals

Depreciation
(in years)
10
5

27,000.00

6,050.00

$33,050.00

Totals
$
$

30,000.00
10,000.00

$
$
$
$

25,000.00
3,050.00
-

Loan
Rate

0%
6%
9%
0%

Term in Monthly
Months Payments

120
60

$
$
$
$

277.55
63.31
-

$68,050.00

0%

$ 340.86

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Income Statem

[Company Name]
Years Ending:

Revenue
Sales revenue
(Less sales returns and allowances)
Service revenue
Interest revenue
Other revenue

Total Revenues

Year 1
$

150,000

50,500

200,500

500

55,000

2,000

65,000

122,500

$
$

78,000
15,600

62,400

Expenses
Advertising
Bad debt
Commissions
Cost of goods sold
Depreciation
Employee benefits
Furniture and equipment
Insurance
Interest expense
Maintenance and repairs
Office supplies
Payroll taxes
Rent
Research and development
Salaries and wages
Software
Travel
Utilities
Web hosting and domains
Other

Total Expenses
Net Income Before Taxes
Income tax expense

Income from Continuing Operations

Net Income

62,400

ome Statement
Year 2
$

175,000

75,000

250,000

450

75,000

2,500

85,000

162,950

$
$

87,050
17,410

69,640

69,640

Year 3

[Company Name]
Assets
Current Assets
Cash
Accounts receivable
Inventory
Prepaid expenses
Short-term investments
Total current assets
Fixed (Long-Term) Assets
Long-term investments
Property, plant, and equipment
(Less accumulated depreciation)
Intangible assets
Total fixed assets
Other Assets
Deferred income tax
Other
Total Other Assets
Total Assets

Common Financial Ratios


Debt Ratio (Total Liabilities / Total Assets)
Current Ratio (Current Assets / Current Liabilities)
Working Capital (Current Assets - Current Liabilities)
Assets-to-Equity Ratio (Total Assets / Owner's Equity)
Debt-to-Equity Ratio (Total Liabilities / Owner's Equity)

Year 1

Year 2

Year 3

Liabilities and Owner's Equity


Current Liabilities

11,874

11,874

1,208
15,340
(2,200)
14,348

Long-Term Liabilities

Owner's Equity

26,222

Total Liabilities and Owner's Equity


{42}

0.56
1.06
669
2.27
1.27

BALANCE SHEET

d Owner's Equity
Accounts payable
Short-term loans
Income taxes payable
Accrued salaries and wages
Unearned revenue
Current portion of long-term debt
Total current liabilities

Year 1
8,060
3,145

11,205

Long-term debt
Deferred income tax
Other
Total long-term liabilities

3,450

Owner's investment
Retained earnings
Other
Total owner's equity

7,178
4,389

es and Owner's Equity

Year 2

3,450

11,567

26,222

Year 3

[Company Name]

3-Year Cash Flow


For the Year Ending 12/31/2014
Cash at Beginning of Year
15,700
Cash as End of Year
35,200

Operations
Cash receipts from
Customers
Other Operations
Cash paid for
Inventory purchses
General operating and administrative expenses
Wage expenses
Interest
Income taxes

Net Cash Flow From Operations

Year 1
693,200

(264,000)
(112,000)
(123,000)
(13,500)
(32,800)

147,900

Investing Activities
Cash receipts from
Sale of property and equipment
Collection of principal on loans
Sale of investment securities
Cash paid for
Purchase of property and equipment
Making loans to other entities
Purchase of investment securities

Net Cash Flow from Investing Activities

33,600

(75,000)

(41,400)

Financing Activities
Cash receipts from
Issuance of stock
Borrowing
Cash paid for
Repurchase of stock (treasury stock)
Repayments of loans
Dividends

Net Cash Flow from Financing Activites

Net Increase in Cash

(34,000)
(53,000)
(87,000)
19,500

w
12/31/2015 12/31/2016
35,200
56,650
56,650
80,245

Year 2

Year 3

762,520

838,772

(290,400)
(123,200)
(135,300)
(14,850)
(36,080)

(319,440)
(135,520)
(148,830)
(16,335)
(39,688)

162,690

178,959

36,960

40,656

(82,500)

(90,750)

(45,540)

(50,094)

(37,400)
(58,300)
(95,700)

(41,140)
(64,130)
(105,270)

21,450

23,595

[Company Name]
Salaries and Related Expenses

Assumption Wage Bas

Percent Change

Salaries and Wages


Owner's Compensation

Salaries

Wages
Full-Time Employees

10

Estimated Hours Per Week

40.00

Estimated Rate Per Hour


Part-Time Employees

9.00

10

Estimated Hours Per Week

20.00

Estimated Rate Per Hour

9.00

Independent Contractors
Total Salaries and Wages

24

Payroll Taxes and Benefits


Social Security

6.20%

Medicare

1.45%

Federal Unemployment Tax (FUTA)

0.08%

State Unemployment Tax (SUTA)

2.70%

Employee Pension Programs


Worker's Compensation
Employee Health Insurance
Other Employee Benefit Programs
Total Payroll Taxes and Benefits

Total Salaries and Related Expenses

4.00%

Payroll Expense Analysis


Wage Base

Monthly

$
$

$
$

7,000
7,000

Year 1

$
$

$
$

Year 2

Year 3

3%

3%

$
$

15,600

187,200 $

192,816 $

198,600

7,800

93,600 $

96,408 $

99,300

$
$

23,400

$
$

280,800

$
$

$
$
$
$
$
$
$
$
$

1,451
339
11
378
936
3,115

$
$
$
$
$
$
$
$
$

17,410
4,072
134
4,536
11,232
37,384

$
$
$
$
$
$
$
$
$

17,932
4,194
134
4,536
11,569
38,365

26,515

318,184

327,589

$
289,224 $

297,901

$
$

18,470
4,320

$
$
$
$
$
$

134
4,536
11,916

39,376

337,277