5-YEAR FINANCIAL PLAN

cynthia trade

FORECASTED REVENUE
Annual
Units sold Average
revenue
annually price per unit
per product
Product 1 10 200,000.00 2,000,000.00
Product 2 15 125,000.00 1,875,000.00
Product 3 10 325,000.00 3,250,000.00
Product 4 5 200,000.00 1,000,000.00

TOTAL OF FORECASTED REVENUE 8,125,000.00

COST OF GOODS SOLD

Expected Annual cost of
gross margin goods sold
Product 1 30% 600,000.00
Product 2 25% 468,750.00
Product 3 25% 812,500.00
Product 4 30% 300,000.00

TOATL COST OF GOODS SOLD 2,181,250.00

ANNUAL MAINTENANCE, REPAIR AND OVERHAUL

Factor (%) on capital equipment 15%

ASSET DEPRECIATION

Number of Years 3

TAX

Annual Tax Rate

INFLATION

Annual Inflation Rate 2%

PRODUCT PRICE INCREASE

Annual Price Increase 2%

FUNDING

Loan Amount 50,000.00

Annual interest rate 5.00%
Term of loan (months) 36
Monthly rate 0.41%
Payment 1,496.05
Total Amount Payable 53,857.91
PROFIT AND LOSS PROJECTION
Company Name

PROFIT AND LOSS ASSUMPTION

Year 1 Year 2 Year 3
Annual cumulative price (revenue) increase 0.00% 2.00% 4.00%
Annual cumulative inflation (expense) incre 0.00% 2.00% 4.00%

INCOME
Year 1 Year 2 Year 3
Revenue

Product 1 2,000,000.00 2,040,000.00 2,121,600.00

Product 2 1,875,000.00 1,912,500.00 1,989,000.00
Product 3 3,250,000.00 3,315,000.00 3,447,600.00
Product 4 1,000,000.00 1,020,000.00 1,060,800.00

Total revenue 8,125,000.00 8,287,500.00 8,619,000.00 - -

Cost of Sales

Product 1 600,000.00 612,000.00 636,480.00

Product 2 468,750.00 478,125.00 497,250.00
Product 3 812,500.00 828,750.00 861,900.00
Product 4 300,000.00 306,000.00 318,240.00

Cost of goods sold 2,181,250.00 2,224,875.00 2,313,870.00

Gross Profit 5,943,750.00 6,062,625.00 6,305,130.00 - -

Non-Operation Income

Rental - - - - -
Interest income - - - - -
Loss (gain) on sale of assets - - 1,000.00 - -
Other income (specify) - - - - -

Toatal Non-Operation Income - - 1,000.00 - -

TOTAL INCOME 5,943,750.00 6,062,625.00 6,306,130.00 - -

EXPENSES

Operating expenses

Sales and marketing 15,000.00 15,300.00 15,912.00

 Depreciation 10,000.00 10,200.00 10,400.00
Insurance 7,500.00 7,650.00 7,956.00
Payroll and Payroll Tax 21,000.00 21,420.00 22,276.80
Property taxes 2,500.00 2,550.00 2,652.00
Maintenance, repair, and overhaul 1,500.00 1,530.00 1,560.00
Utilities 5,000.00 5,100.00 5,304.00
Administrative fees 300.00 306.00 318.24
Interest expense on long-term debt 2,092.21 1,299.19 466.52
Other 1,000.00 1,020.00 1,060.80

Total operating expenses 65,892.21 66,375.19 67,906.36 - -

Non-Recurring Expenses

Unexpected Expenses - - - -
Other expenses - - - - -

Total Non-Recurring Expenses - - - - -

TOTAL EXPENSES 65,892.21 66,375.19 67,906.36 - -

TAXES

Income Tax - - - - -
Other Tax (specify) - - - - -

TOTAL TAXES - - - - -

NET PROFIT 5,877,857.79 5,996,249.81 6,238,223.64 - -

BALANCE SHEET PROJECTION
Company Name

ASSETS

Current Assets Initial balance Year 1 Year 2 Year 3 Year 4

Cash and short-term investments 50,000.00 6,021,997.36 11,961,793.72 18,216,931.25

Accounts receivable 3,000.00 3,000.00 3,000.00 3,000.00
Total inventory 25,000.00 25,000.00 25,000.00 25,000.00
Prepaid expenses - - - - -
Deferred income tax - - - - -
Other current assets 5,000.00 5,000.00 5,000.00 5,000.00

Total current assets 83,000.00 6,054,997.36 11,994,793.72 18,249,931.25 -

Property and Equipment Initial balance Year 1 Year 2 Year 3

Buildings 20,000.00 20,000.00 20,000.00 20,000.00

Land 10,000.00 10,000.00 10,000.00 10,000.00
Capital improvements - - - -
Machinery and equipment 10,000.00 10,000.00 10,000.00 10,000.00
Less Accumulated depreciation expense 10,000.00 20,200.00 30,600.00

Total Property and Equipment 40,000.00 30,000.00 19,800.00 9,400.00 -

Other Assets Initial balance Year 1 Year 2 Year 3 Year 4

Goodwill - - - - -
Deferred income tax - - - - -
Long-term investments - - - - -
Deposits - - - - -
Other long-term assets - - - - -

Total Other Assets - - - - -

TOTAL ASSETS 123,000.00 6,084,997.36 12,014,593.72 18,259,331.25 -

LIABILITIES

Current Liabilities Initial balance Year 1 Year 2 Year 3

Accounts payable 2,000.00 2,000.00 2,000.00 2,000.00

Accrued expenses - - - - -
Notes payable/short-term debt - - - - -
Capital leases - - - - -
Other current liabilities 100.00 100.00 100.00 100.00

Total Current Liabilities 2,100.00 2,100.00 2,100.00 2,100.00 -

Debt Initial balance Year 1 Year 2 Year 3 Year 4

Long-term debt/loan 50,000.00 34,139.57 17,486.12 - -

 Other long-term debt 100,000.00 200,000.00 150,000.00 175,000.00

Total Debt 152,100.00 236,239.57 169,586.12 177,100.00 -

Other Liabilities Initial balance Year 1 Year 2 Year 3

Other liabilities (specify) - - - - -

Other liabilities (specify) - - - - -

Total Other Liabilities - - - - -

TOTAL LIABILITIES 52,100.00 36,239.57 19,586.12 2,100.00 -

EQUITY

Initial balance Year 1 Year 2 Year 3

Owner's equity (common) 50,000.00 50,000.00 50,000.00 50,000.00
Paid-in capital 250,000.00 250,000.00 250,000.00 250,000.00
Preferred equity - - - - -
Retained earnings - 5,877,857.79 11,874,107.60 18,112,331.25

TOTAL EQUITY 300,000.00 6,177,857.79 12,174,107.60 18,412,331.25 -

TOTAL LIABILITIES AND EQUITY 352,100.00 6,214,097.36 12,193,693.72 18,414,431.25 -

Year 5

Year 5

-
-
-
-
-

-
-
-
-
-

Year 5

-
-

-
-

-
-
-
-

-
CASH FLOW PROJECTION

Company Name

Operating activities Year 1 Year 2 Year 3 Year 4 Year 5

Net income 5,877,857.79 5,996,249.81 6,238,223.64 -

Depreciation 10,000.00 10,200.00 10,400.00 - -
Accounts receivable - - - -
Inventories - - - -
Accounts payable - - - -
Amortization - - - - -
Other liabilities - - - - -
Other operating cash flow items - - - - -

Total operating activities 5,887,857.79 6,006,449.81 6,248,623.64 - -

Investing activities Year 1 Year 2 Year 3 Year 4 Year 5

Capital expenditures - - - - -
Acquisition of business - - - -
Sale of fixed assets - - - 1,000.00 -
Other investing cash flow items - - - - -

Total investing activities - - - 1,000.00 - -

Financing activities Year 1 Year 2 Year 3 Year 4 Year 5

Long-term debt/financing 84,139.57 - 66,653.45 7,513.88 -

Preferred stock - - - - -
Total cash dividends paid - - - - -
Common stock - - - - -
Other financing cash flow items - - - - -

Total financing activities 84,139.57 - 66,653.45 7,513.88 - -

Cumulative cash flow 5,971,997.36 5,939,796.36 6,255,137.52 - -

Beginning cash balance 50,000.00 6,021,997.36 11,961,793.72 -

Ending cash balance 6,021,997.36 11,961,793.72 18,216,931.25 - -

 Total

18,112,331.25
30,600.00
-
-
-
-
-
-

18,142,931.25

Total

-
-
- 1,000.00
-

- 1,000.00

Total

25,000.00
-
-
-
-

25,000.00

18,166,931.25
LOAN AMORTIZATION SCHEDULE
Company Name

NOTE: Loan Amortization calculations are limited for up to 30 years (360 months).

MONTH BALANCE SCHEDULED PAYMENT PRINCIPAL INTEREST

50,000.00
1 50,000.00 1,496.05 1,292.35 203.71
2 48,707.65 1,496.05 1,297.61 198.44
3 47,410.04 1,496.05 1,302.90 193.15
4 46,107.14 1,496.05 1,308.21 187.85
5 44,798.94 1,496.05 1,313.54 182.52
6 43,485.40 1,496.05 1,318.89 177.16
7 42,166.51 1,496.05 1,324.26 171.79
8 40,842.25 1,496.05 1,329.66 166.40
9 39,512.59 1,496.05 1,335.07 160.98
10 38,177.52 1,496.05 1,340.51 155.54
11 36,837.00 1,496.05 1,345.97 150.08
12 35,491.03 1,496.05 1,351.46 144.59
13 34,139.57 1,496.05 1,356.96 139.09
14 32,782.61 1,496.05 1,362.49 133.56
15 31,420.11 1,496.05 1,368.04 128.01
16 30,052.07 1,496.05 1,373.62 122.44
17 28,678.45 1,496.05 1,379.21 116.84
18 27,299.24 1,496.05 1,384.83 111.22
19 25,914.41 1,496.05 1,390.47 105.58
20 24,523.93 1,496.05 1,396.14 99.91
21 23,127.79 1,496.05 1,401.83 94.23
22 21,725.97 1,496.05 1,407.54 88.51
23 20,318.43 1,496.05 1,413.27 82.78
24 18,905.15 1,496.05 1,419.03 77.02
25 17,486.12 1,496.05 1,424.81 71.24
26 16,061.31 1,496.05 1,430.62 65.44
27 14,630.69 1,496.05 1,436.45 59.61
28 13,194.25 1,496.05 1,442.30 53.75
29 11,751.95 1,496.05 1,448.17 47.88
30 10,303.77 1,496.05 1,454.07 41.98
31 8,849.70 1,496.05 1,460.00 36.05
32 7,389.70 1,496.05 1,465.95 30.11
33 5,923.75 1,496.05 1,471.92 24.13
34 4,451.84 1,496.05 1,477.92 18.14
35 2,973.92 1,496.05 1,483.94 12.12
36 1,489.98 1,496.05 1,489.98 6.07
© 2021 Spreadsheet123 LTD. All rights reserved
NOTES AND ASSUMPTIONS
Company Name

[Document key financial planning assumptions here.]

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