COMPANY Business Plan Summary

COMPANY NAME Business Plan
INSERT IMAGE/LOGO
Contact: INSERT NAME
ADDRESS/CONTACT INFO
Confidentiality Agreement
The undersigned reader acknowledges that the information provided by COMPANY NAME in
this business plan is confidential; therefore, reader agrees not to disclose it without the
express written permission of COMPANY NAME.
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 COMPANY NAME.
Upon request, this document is to be immediately returned to COMPANY NAME.
___________________
Signature
___________________
Name (typed or printed)
___________________
Date
This is a business plan. It does not imply an offering of securities.

1.0 Executive Summary...............................................................................1

Chart: Highlights...................................................................................2
1.1 Objectives..........................................................................................2
1.2 Mission..............................................................................................2
1.3 Keys to Success..................................................................................2
2.0 Company Summary................................................................................3
2.1 Company Ownership............................................................................3
2.2 Company History................................................................................3
Table: Past Performance.........................................................................4
Chart: Past Performance.........................................................................5
3.0 Products and Services.............................................................................5
4.0 Market Analysis Summary.......................................................................5
4.1 Market Segmentation...........................................................................5
Table: Market Analysis............................................................................6
Chart: Market Analysis (Pie)....................................................................6
4.2 Target Market Segment Strategy...........................................................7
4.3 Service Business Analysis.....................................................................7
4.3.1 Competition and Buying Patterns.....................................................7
5.0 Web Plan Summary................................................................................7
5.1 Website Marketing Strategy..................................................................7
5.2 Development Requirements..................................................................8
6.0 Strategy and Implementation Summary....................................................8
6.1 SWOT Analysis....................................................................................8
6.1.1 Strengths.....................................................................................9
6.1.2 Weaknesses..................................................................................9
6.1.3 Opportunities................................................................................9
6.1.4 Threats........................................................................................9
6.2 Competitive Edge..............................................................................9
6.3 Marketing Strategy..............................................................................9
6.4.1 Sales Forecast.............................................................................10
Table: Sales Forecast.........................................................................10
Chart: Sales Monthly.........................................................................11
Chart: Sales by Year..........................................................................11
6.5 Milestones........................................................................................12
Table: Milestones.................................................................................12
7.0 Management Summary.........................................................................12
7.1 Personnel Plan..................................................................................12
Table: Personnel..................................................................................13
8.0 Financial Plan......................................................................................13
8.1 Important Assumptions......................................................................13
8.2 Break-even Analysis..........................................................................13
Table: Break-even Analysis....................................................................13
Chart: Break-even Analysis...................................................................14
8.3 Projected Profit and Loss....................................................................14

Table: Profit and Loss...........................................................................15
Chart: Profit Monthly............................................................................16
Chart: Profit Yearly...............................................................................16
Chart: Gross Margin Monthly..................................................................17
Chart: Gross Margin Yearly....................................................................17
8.4 Projected Cash Flow...........................................................................18
Table: Cash Flow..................................................................................18
Chart: Cash.........................................................................................19
8.5 Projected Balance Sheet.....................................................................19
Table: Balance Sheet............................................................................20
8.6 Business Ratios.................................................................................20
Table: Ratios.......................................................................................21
Table: Sales Forecast...................................................................................1
Table: Personnel.........................................................................................2
Table: Profit and Loss..................................................................................3
Table: Cash Flow.........................................................................................4
Table: Balance Sheet...................................................................................6
1.0 Executive Summary
COMPANY NAME is located in [CITY], [STATE].
Contact: INSERT NAME

ADDRESS/CONTACT INFO

COMPANY NAME offers the required continuing education courses to State of [STATE]
construction industry professionals and offers the exam preparation classes and reference books
to help people pass the state contracting exams. COMPANY NAME is an original continuing
education provider for the CILB, ECLB, BAID in [COUNTY] County .
Our goal is to expand our education services to insure that we remain a quality continuing
education provider for our present and future clients as the State of [STATE] continues to pass
new laws and implement new regulations regarding the construction industry.
In order to accomplish our objectives, our keys to success over the next three years are:
 Personalized classroom atmosphere for the students.

 In our courses cover business and finance exam information as we as technical trades, while
others limit their technical courses to General Contractors.
 The credibility, integrity and 100% dedication to education.
COMPANY NAME expects to maintain a healthy gross margin and net profit margin during the
next two years. The net profit for 2010, 2011 and 2012 is forecast to be $72,050, $86,373, and
$152,622, respectively.
Chart: Highlights
Highlights
$600,000
$550,000
$500,000
$450,000
$400,000
Sales
$350,000
Gross Margin
$300,000
Net Profit
$250,000
$200,000
$150,000
$100,000
$50,000
$0
2010 2011 2012
1
1.1 Objectives
The objectives of COMPANY NAME are:

Offer the required continuing education courses to State of [STATE] construction industry
professionals.
Offer the exam preparation classes and reference books to help people pass the state contracting
exams.
We are also always seeking new markets in which to offer our services.
1.2 Mission
COMPANY NAME offers two services for a fee. The first is exam preparation for the State of
[STATE] Contractor exams. The other service we offer is continuing education for State & County
Contractors, Architects and Electricians. We strive to keep our pricing the lowest in the market to
insure return clientele.
COMPANY NAME is fully dedicated to the continuing education of industry professionals.
1.3 Keys to Success
The keys to the success of COMPANY NAME are:

 Personalized classroom atmosphere for the students.
 In our courses cover business and finance exam information as we as technical trades, while
others limit their technical courses to General Contractors
 The credibility, integrity and 100% dedication to education
2.0 Company Summary
COMPANY NAME is located in [CITY], [STATE].
COMPANY NAME was founded by Edward J Walters in 1988. He has taught thousands of

contractors to obtain State of [STATE] contractor licenses and maintain them through continuing
education. COMPANY NAME is an original continuing education provider for the CILB, ECLB, BAID
in [COUNTY] County. INSERT NAME has been the main instructor for all the classes from day one.
He has passed 6 state exams himself and continues to provide expertise in special areas such as
isometrics and plans reading. Prior to initiating COMPANY NAME. INSERT NAME was an exam
preparation instructor for Allstate Construction College. He has been approved to instruct
continuing education classes by the CILB, ECLB, BAID in [COUNTY] County.
2.1 Company Ownership
COMPANY NAME, is a privately owned "S" corporation, incorporated in state of FL in February

1988. insert NAME is the sole owner having 100% of the stock.
2.2 Company History
COMPANY NAME is a privately held S corporation owned by its founder INSERT NAME .
 The income tax returns for 2007 show gross sales of $332,720 and an operating loss of
$52,127.
2
 The returns for 2008 show gross sales of $271,510 and operating loss of $21,760.
 The returns for 2009 show gross sales of $327,270 and operating profits of $14,625
 Contributing to the bottom line improvement during that period, according to the tax returns,
was an increase in the gross profit margin from 29% to 46%, and a reduction in depreciation,
payroll taxes, utilities, insurance and other operational expenses.
Currently all office equipment purchased is owned outright, therefore no Long-term Liabilities are
reflected.
3
Table: Past Performance
Past Performance
2007 2008 2009
Sales $332,720 $271,510 $327,270
Gross Margin $98,979 $104,793 $152,036
Gross Margin % 29.75% 38.60% 46.46%
Operating Expenses $235,682 $166,717 $169,135
Balance Sheet
2007 2008 2009
Current Assets
Cash $9,397 $4,445 $5,622
Other Current Assets $2,000 $1,750 $0
Total Current Assets $11,397 $6,195 $5,622
Long-term Assets
Long-term Assets $59,214 $60,523 $60,646
Accumulated Depreciation $3,109 $2,202 $2,239
Total Long-term Assets $56,105 $58,321 $58,407
Total Assets $67,502 $64,516 $64,029
Current Liabilities
Current Borrowing $0 $0 $60,000
Other Current Liabilities (interest $23,955 $18,846 $35,631
free)
Total Current Liabilities $23,955 $18,846 $95,631
Long-term Liabilities $0 $0 $0
Total Liabilities $23,955 $18,846 $95,631
Paid-in Capital $1,015 $1,015 $1,015

Retained Earnings $42,532 $44,655 ($32,617)
Earnings $0 $0 $0
Total Capital $43,547 $45,670 ($31,602)
Total Capital and Liabilities $67,502 $64,516 $64,029
4
Chart: Past Performance
Past Performance
$320,000
$280,000
$240,000
Sales
$200,000
Gross
$160,000
Net
$120,000
$80,000
$40,000
$0
2007 2008 2009
3.0 Products and Services
COMPANY NAME offers construction professionals a source for professional training (continuing

education), state of [STATE] examination preparation and, a bookstore for all of the contractor
examination books and reference material. The company conducts the continuing education
courses in various hotel conference rooms to reduce overhead costs and to make the classes
more accessible for attendees.
4.0 Market Analysis Summary
There are several schools which offer construction continuing education courses. COMPANY
NAME will focus on providing all courses necessary for our clients to maintain their licenses in
their respective construction fields, such as, State & County Contractors, Architects, Electricians,
Mortgage Brokers, Mold Inspectors, Real Estate and Renovation, Repair and Painting.

4.1 Market Segmentation
The market segments COMPANY NAME include contractors, architects, electricians, mold
inspectors, and mortgage brokers, also real estate and renovation, and repair and painting
professionals throughout the state of [STATE]. Due to the necessity of continuing education
requirements to retain an industry license there is a great opportunity to increase current class
attendance. Once grant funding is obtained, COMPANY NAME representatives can travel to
various locations throughout [STATE] to conduct continuing education classes.
Table: Market Analysis
Market Analysis
5
2010 2011 2012 2013 2014

Potential Customers Growth CAGR
Contractors 3% 150,020 154,521 159,157 163,932 168,850 3.00%
Architects 3% 9,238 9,515 9,800 10,094 10,397 3.00%
Electricians 3% 9,284 9,563 9,850 10,146 10,450 3.00%
Mold Inspectors 15% 8 9 10 12 14 15.02%
Mortgage Brokers 3% 4,146 4,270 4,398 4,530 4,666 3.00%
Real Estate and 3% 472 486 501 516 531 2.99%
Renovation
Repair and Painting 3% 211 217 224 231 238 3.06%
Total 3.00% 173,379 178,581 183,940 189,461 195,146 3.00%
Chart: Market Analysis (Pie)
Market Analysis (Pie)
Contractors
Architechts
Electricians
Mold Inspectors
Mortgage Brokers
Real Estate and Renovation
Repair and Painting
6
4.2 Target Market Segment Strategy
 Direct mail to contracting and construction companies. Leads are obtained from a received
from the State of [STATE] containing licensed businesses.
 Repeat business for maintaining a license is a key component to success.
4.3 Service Business Analysis
COMPANY NAME provides continuing education to construction industry professionals. In this

industry our service is necessary to their profession. COMPANY NAME extends their service to
include exam preparation in the "Business and Finance" topics, while other continuing education
providers in [STATE], remain trade specific.
4.3.1 Competition and Buying Patterns
Our competition in this service business provide online courses to its attendees, while we provide
the service of onsite classes or conducting classes in conference rooms of local hotels for the
convenience of the attendees.

Our research and experience has indicated that our target market segments think about price,
which is the reason we keep our fees competitive with other schools in the market.
5.0 Web Plan Summary
COMPANY NAME’s, Inc. has created a website:www.NAME.com to provide an Internet presence

that will better represent it through digital images and text and serve to more effectively market
the Company and expand its market.
The enhanced website includes:

• Pictures and video statements/testimonials of satisfied customers
• Links to businesses who have given positive statements and referrals
• Banner ads
• Link for visitors to opt in to the Company’s email list.
5.1 Website Marketing Strategy
COMPANY NAME plans to use email marketing campaigns for their outreach to current and
prospective customers. Technology is available that incorporates video with email and offers
very powerful, robust and dynamic features. Another benefit is in communicating through the
use of streaming video embedded within the email. Management believes that the use of this
technology will give the Business a strong competitive edge and outreach to the community.
7
COMPANY NAME is planning to incorporate an email drip campaign with video into its marketing
efforts. This technology will more effectively market to its customer and potential customer
base. It is cost effective (averaging about $99 per month), especially when compared to the
$1,000's spent on print advertising, mailing and postage. The built-in analytics provide
immediate feedback as to the campaigns effectiveness and who actually viewed the message.
Auto responders with a specific message can be utilized as an immediate follow-up tool. Please
visit [WEBSITE] for additional information.
This new email marketing campaign technology will serve to position COMPANY NAME to achieve
and sustain name recognition in front of their current market within the local community. This
type of marketing is cost effective and efficient. The first thing most of us do every day is check
our email in-box.
5.2 Development Requirements
The development requirement for COMPANY NAME enhanced Internet presence and email
campaign marketing system is easy and not complicated.
Business will be able to create web pages that COMPANY NAME hosted web site simply points to.
The created web pages are easily constructed with easy to use templates. Once an email address
is entered into the system, they will receive COMPANY NAME standard welcome email and
automatically receive periodic emails that can be constructed for specific marketing email drip
campaigns.
6.0 Strategy and Implementation Summary
COMPANY NAME has serviced the construction industry for many years, and has a great referral
network. With the development of a stronger marketing plan and larger service area the school
will be positioned to increase business significantly over the coming years. Reasonable sales
targets have been established with an implementation plan designed to ensure the goals set forth
below are achieved.
6.1 SWOT Analysis
COMPANY NAME has a valuable inventory of strengths that will help it succeed. These strengths
include: classes in a live seminar such as ours, experienced and knowledgeable
instructor, competitive pricing to insure a return clientele, We are also one of the few schools to
still offer live instruction as opposed to video tape instruction. Strengths are valuable, but it is
also important to realize the weaknesses COMPANY NAME must address. These weaknesses
include: Access to additional operating capital, and additional educational staff to offer more
classes.
COMPANY NAME's strengths will help it capitalize on emerging opportunities. These

opportunities include, online classes for those people either who are out of the state or who
cannot attend classes, new market areas such as [CITY] or [NEIGHBORHOOD] to offer our exam
prep services for those who prefer to attend a live class. The Threat that COMPANY NAME
should be aware of include, other schools are offering online classes.
8
6.1.1 Strengths
 Most contractors prefer to do classes in a live seminar such as ours.

 We have an experienced and knowledgeable instructor who has been teaching these courses
since the onset of the requirements in 1988.
 We are also one of the few schools to still offer live instruction as opposed to video tape
instruction.
 Our pricing is competitive and usually the lowest around which insures a return clientele.
6.1.2 Weaknesses
 Access to additional operating capital.

 Additional educational staff to offer more classes.
6.1.3 Opportunities
 New markets in which to offer our services, such as online classes for those people either who
are out of the state or who cannot attend classes.
 New market areas such as [CITY] or [CITY] to offer our exam prep services for those who
prefer to attend a live class.
6.1.4 Threats
 Since the market is so distinct, there are also other schools offering this service. Our biggest
threat is that we don't offer this service online.
6.2 Competitive Edge

 We are also always seeking new markets and new ways to deliver to offer our services.
 We are also planning to add new educational fields such as Mortgage Brokers, Mold
Inspectors, Real Estate and Renovation, Repair and Painting education.
 There are only a handful of schools who offer this education. With the additional capital, we
can obtain the resources needed to become a qualified provider.
6.3 Marketing Strategy
 The marketing strategy is the core of the main strategy for COMPANY NAME’s:
 Obtain a monthly list of licensed professionals from the State Board of Contractors for
mailing.
 Contact construction firms to make continuing education courses available to their employees.
 Enhance current website with email marketing campaign.
 Flyer distribution to the State Contractors Board and other construction locations.
9
6.4 Sales Strategy
COMPANY NAME’s sales strategy is based on the following elements:
 A very straightforward approach to the business.

 The thorough knowledge industry information for course communication.
 Contact with construction companies for continuing education needs.
This market is a long term, repetitive business where relationships are a key component to
success.
6.4.1 Sales Forecast
As the following table shows, the company anticipates sales of approximately

$354,800, $461,240, and $599,612 in 2010, 2011, and 2012. These forecasts are based on
a conservative 3% growth rate primarily in expectation of the return of the economy, providing
the opportunity for the industry professionals to either retain their license obtain a new one,
therefore increasing our sales.
Table: Sales Forecast
Sales Forecast
2010 2011 2012
Sales
Continuing Education Courses $354,800 $461,240 $599,612
$0
Total Sales $354,800 $461,240 $599,612
Direct Cost of Sales 2010 2011 2012

Continuing Education Courses $24,024 $15,600 $20,280
$0
Subtotal Direct Cost of Sales $24,024 $15,600 $20,280
10
Jan Feb Mar A
Chart: Sales Monthly
Sales Monthly
$33,000
$30,000
$27,000
$24,000
$21,000 Continuing Education Courses

$18,000
$0
$15,000
$12,000
$9,000
$6,000
$3,000
$0
Chart: Sales by Year
Sales by Year
$600,000
$550,000
$500,000
$450,000
$400,000
Continuing Education Courses
$350,000
$300,000 $0
$250,000
$200,000
$150,000
$100,000
$50,000
$0
2010 2011 2012
11
6.5 Milestones
Grant funding will provide money pay off existing loan, hire additional instructors, provide
additional operating capital, and develop more aggressive advertising to create awareness within
the construction industry.
Table: Milestones
Milestones
Milestone Start Date End Date Budget Manager

Grant Funding Awarded 7/1/2010 7/30/2010 $0
Pay off Existing Loan 8/2/2010 8/31/2010 $60,000
Advertising / Web 8/2/2010 8/31/2010 $20,000
Design
Instructional Material 8/2/2010 8/31/2010 $15,000
Inventory
Hire 2 additional 8/2/2010 8/31/2010 $80,000
instructors
Additional operating 8/2/2010 $25,000
capital
Totals $200,000
7.0 Management Summary
INSERT NAME is the sole manager and founder of COMPANY NAME’s and oversees all of the
operations. INSERT NAME has been the main instructor for all the classes from day one. He has
passed 6 state exams and continues to provide expertise in special areas such as isometrics and
plans reading.
Prior to initiating COMPANY NAME , INSERT NAME was an exam preparation instructor for
Allstate Construction College. He has been approved to instruct continuing education classes by
the CILB, ECLB, BAID in [COUNTY] County.
7.1 Personnel Plan
Currently INSERT NAME is the primary instructor for COMPANY NAME and received a salary of
$25,200 per year and he employs one Office Manager, INSERT NAME and his salary is $35,000
per year. Once grant funding is awarded INSERT NAME will hire 2 additional instructors at salary
of $35,000 per year each, therefore the personnel table only reflects 5 months of payroll for the
additional instructors. Hiring the additional instructors will allow the school to conduct more class
to accommodate the growing need for industry license certifications.
12
Table: Personnel
Personnel Plan
2010 2011 2012
INSERT NAME $25,200 $45,000 $50,000
INSERT NAME $34,992 $40,000 $45,000
2 additional instructors $29,160 $80,000 $90,000
$0 $0 $0
Total People 4 4 4
Total Payroll $89,352 $165,000 $185,000
8.0 Financial Plan
Once grant funds are received we will be able to expand our services area, number of classes
offered and secure additional staff. The grant funds will be used as follows:
Pay off existing loan $ 60,000

Advertising / website $ 20,000
Instructional material inventory $ 15,000
Hire additional instructors $ 80,000
Additional operating capital $ 25,000
8.1 Important Assumptions
The following table shows the General Assumptions for COMPANY NAME’s. The average percent
variable cost is 7%. The estimated monthly fixed cost is $18,841
8.2 Break-even Analysis
The monthly revenue needed to break even is projected to be $20,209.
Table: Break-even Analysis
Break-even Analysis
Monthly Revenue Break-even $20,209
Assumptions:
Average Percent Variable Cost 7%
Estimated Monthly Fixed Cost $18,841
13
Chart: Break-even Analysis
Break-even Analysis
$12,000
$9,000
$6,000
$3,000
$0
($3,000)
($6,000)
($9,000)
($12,000)
($15,000)
($18,000)
$0 $6,000 $12,000 $18,000 $24,000 $30,000
$3,000 $9,000 $15,000 $21,000 $27,000 $33,000
8.3 Projected Profit and Loss
The sales for 2010, 2011, and 2012 are forecast to be $354,800, $461,240,
and $599,612 respectively. The net profit for 2010, 2011 and 2012 is forecast to be
$72,050, $86,373, and $152,622, respectively. The net profit/sales to be 20.31%, 18.73%,
and 25.45% respectively.
In 2011 the net profit dollar and percentage due to a full year of additional payroll.
14
Table: Profit and Loss
Pro Forma Profit and Loss

2010 2011 2012
Sales $354,800 $461,240 $599,612
Direct Cost of Sales $24,024 $15,600 $20,280
Other Costs of Sales $0 $0 $0
Total Cost of Sales $24,024 $15,600 $20,280
Gross Margin $330,776 $445,640 $579,332

Gross Margin % 93.23% 96.62% 96.62%
Expenses
Payroll $89,352 $165,000 $185,000
Marketing/Promotion $30,430 $31,500 $35,000
Depreciation $2,292 $3,000 $3,800
Rent $36,000 $36,000 $36,000
Utilities $12,502 $13,500 $14,750
Postage $26,632 $27,000 $30,000
Insurance $3,000 $3,500 $4,000
Payroll Taxes $13,403 $24,750 $27,750
Travel $12,478 $18,000 $25,000
Total Operating Expenses $226,089 $322,250 $361,300
Profit Before Interest and Taxes $104,687 $123,390 $218,032

EBITDA $106,979 $126,390 $221,832
Interest Expense $1,758 $0 $0
Taxes Incurred $30,879 $37,017 $65,410
Net Profit $72,050 $86,373 $152,622

Net Profit/Sales 20.31% 18.73% 25.45%
15
Chart: Profit Monthly
Profit Monthly
$9,000
$8,000
$7,000
$6,000
$5,000
$4,000
$3,000
$2,000
$1,000
$0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Chart: Profit Yearly
Profit Yearly
$160,000
$140,000
$120,000
$100,000
$80,000
$60,000
$40,000
$20,000
$0
2010 2011 2012
16
Chart: Gross Margin Monthly
Gross Margin Monthly
$33,000
$30,000
$27,000
$24,000
$21,000
$18,000
$15,000
$12,000
$9,000
$6,000
$3,000
$0
Chart: Gross Margin Yearly
Gross Margin Yearly
$600,000
$500,000
$400,000
$300,000
$200,000
$100,000
$0
2010 2011 2012
17
8.4 Projected Cash Flow
The cash flow projection shows that provisions for ongoing expenses are adequate to meet the
needs of the company as the business generates sufficient cash flow to support operations. The
Company has applied for $200,000 in grant funding. The funds are projected to be received
during the 2nd or 3rd quarter of 2010.
The grant funding would be used to:
 Pay off existing loan

 Advertising / website
 Instructional material inventory
 Hire additional staff
 Additional operating capital
Table: Cash Flow
Pro Forma Cash Flow

2010 2011 2012
Cash Received
Cash from Operations

Cash Sales $354,800 $461,240 $599,612
Subtotal Cash from Operations $354,800 $461,240 $599,612
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 $200,000 $0 $0
Subtotal Cash Received $554,800 $461,240 $599,612
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Table: Cash Flow (Cont’d from previous page)
Expenditures 2010 2011 2012
Nov Dec
Expenditures from Operations
Cash Spending $280,458 $371,867 $443,190
Subtotal Spent on Operations $280,458 $371,867 $443,190
Aug Sep Oct

Additional Cash Spent
Sales Tax, VAT, HST/GST Paid Out $0 $0 $0
Principal Repayment of Current $60,000 $0 $0
Borrowing
Other Liabilities Principal Repayment $0 $0 $0
Jul
Long-term Liabilities Principal $0 $0 $0
May Jun
Repayment
Purchase Other Current Assets $0 $0 $0
Purchase Long-term Assets $0 $0 $0
Dividends $0 $0 $0
Subtotal Cash Spent Apr
Feb Mar $340,458 $371,867 $443,190
Net Cash Flow $214,342 $89,373 $156,422

Cash Balance $219,964 $309,337 $465,760
Jan
Chart: Cash
Cash
$220,000
$200,000
$180,000
$160,000
$140,000
Net Cash Flow
$120,000
$100,000
Cash Balance
$80,000
$60,000
$40,000
$20,000
$0
8.5 Projected Balance Sheet
The Company has applied for $200,000 in grant funding. The funds are projected to be received
during the 2nd or 3rd quarter of 2010. This will have a significant impact on the Company's net
19
worth. For the periods ending December 31, 2010, 2011, and 2012, the net worth is forecast to
be $240,448, $326,821, and $479,444.
20
Table: Balance Sheet
Pro Forma Balance Sheet

2010 2011 2012
Assets
Current Assets
Cash $219,964 $309,337 $465,760
Other Current Assets $0 $0 $0
Total Current Assets $219,964 $309,337 $465,760
Long-term Assets
Long-term Assets $60,646 $60,646 $60,646
Accumulated Depreciation $4,531 $7,531 $11,331
Total Long-term Assets $56,115 $53,115 $49,315
Total Assets $276,079 $362,452 $515,075
Liabilities and Capital 2010 2011 2012
Current Liabilities
Current Borrowing $0 $0 $0
Other Current Liabilities $35,631 $35,631 $35,631
Subtotal Current Liabilities $35,631 $35,631 $35,631
Long-term Liabilities $0 $0 $0
Total Liabilities $35,631 $35,631 $35,631
Paid-in Capital $201,015 $201,015 $201,015

Retained Earnings ($32,617) $39,433 $125,806
Earnings $72,050 $86,373 $152,622
Total Capital $240,448 $326,821 $479,444
Total Liabilities and Capital $276,079 $362,452 $515,075
Net Worth $240,448 $326,821 $479,444
8.6 Business Ratios
The table follows with our main business ratios. We intend to improve gross margins and
inventory turnover. Industry profile ratios based on the Standard Industrial Classification (SIC)
code 8299, Schools and Educational Services, are shown for comparison.
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Table: Ratios
Ratio Analysis
2010 2011 2012 Industry Profile
Sales Growth 8.41% 30.00% 30.00% -1.39%
Percent of Total Assets

Other Current Assets 0.00% 0.00% 0.00% 46.83%
Total Current Assets 79.67% 85.35% 90.43% 72.99%
Long-term Assets 20.33% 14.65% 9.57% 27.01%
Total Assets 100.00% 100.00% 100.00% 100.00%
Current Liabilities 12.91% 9.83% 6.92% 54.90%

Long-term Liabilities 0.00% 0.00% 0.00% 31.83%
Total Liabilities 12.91% 9.83% 6.92% 86.73%
Net Worth 87.09% 90.17% 93.08% 13.27%
Percent of Sales
Sales 100.00% 100.00% 100.00% 100.00%
Gross Margin 93.23% 96.62% 96.62% 89.77%
Selling, General & 72.92% 77.89% 71.16% 39.59%
Administrative Expenses
Advertising Expenses 8.58% 6.83% 5.84% 2.89%
Profit Before Interest and 29.51% 26.75% 36.36% 14.31%
Taxes
Main Ratios
Current 6.17 8.68 13.07 1.12
Quick 6.17 8.68 13.07 1.10
Total Debt to Total Assets 12.91% 9.83% 6.92% 86.73%
Pre-tax Return on Net Worth 42.81% 37.75% 45.48% 208.32%
Pre-tax Return on Assets 37.28% 34.04% 42.33% 27.64%
Additional Ratios 2010 2011 2012

Net Profit Margin 20.31% 18.73% 25.45% n.a
Return on Equity 29.97% 26.43% 31.83% n.a
Activity Ratios
Accounts Payable Turnover 11.62 12.17 12.17 n.a
Total Asset Turnover 1.29 1.27 1.16 n.a
Debt Ratios
Debt to Net Worth 0.15 0.11 0.07 n.a
Current Liab. to Liab. 1.00 1.00 1.00 n.a
Liquidity Ratios
Net Working Capital $184,333 $273,706 $430,129 n.a
Interest Coverage 59.55 0.00 0.00 n.a
22
Table: Ratios (Cont’d from previous page)
Additional Ratios
Assets to Sales 0.78 0.79 0.86 n.a
Current Debt/Total Assets 13% 10% 7% n.a
Acid Test 6.17 8.68 13.07 n.a
Sales/Net Worth 1.48 1.41 1.25 n.a
Dividend Payout 0.00 0.00 0.00 n.a
23
Appendix
Table: Sales Forecast
Sales Forecast
Sales
Continuing $25,000 $25,750 $26,522 $27,318 $28,138 $28,982 $29,851 $30,747 $31,669 $32,619 $33,598 $34,606
Education Courses
Total Sales $25,000 $25,750 $26,522 $27,318 $28,138 $28,982 $29,851 $30,747 $31,669 $32,619 $33,598 $34,606
Direct Cost of Sales Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Continuing $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002
Education Courses
Subtotal Direct Cost $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002
of Sales
1
Appendix
Table: Personnel
Personnel Plan
Edward Walters $2,100 $2,100 $2,100 $2,100 $2,100 $2,100 $2,100 $2,100 $2,100 $2,100 $2,100 $2,100
Frank Rivas $2,916 $2,916 $2,916 $2,916 $2,916 $2,916 $2,916 $2,916 $2,916 $2,916 $2,916 $2,916
2 additional $0 $0 $0 $0 $0 $0 $0 $5,832 $5,832 $5,832 $5,832 $5,832
instructors
Total People 2 2 2 2 2 2 2 4 4 4 4 4
Total Payroll $5,016 $5,016 $5,016 $5,016 $5,016 $5,016 $5,016 $10,848 $10,848 $10,848 $10,848 $10,848
2
Appendix
Table: Profit and Loss
Pro Forma Profit and

Loss
Sales $25,000 $25,750 $26,522 $27,318 $28,138 $28,982 $29,851 $30,747 $31,669 $32,619 $33,598 $34,606
Direct Cost of Sales $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002
Other Costs of Sales $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Cost of Sales $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002 $2,002
Gross Margin $22,998 $23,748 $24,520 $25,316 $26,136 $26,980 $27,849 $28,745 $29,667 $30,617 $31,596 $32,604
Gross Margin % 91.99% 92.23% 92.45% 92.67% 92.89% 93.09% 93.29% 93.49% 93.68% 93.86% 94.04% 94.21%
Expenses
Payroll $5,016 $5,016 $5,016 $5,016 $5,016 $5,016 $5,016 $10,848 $10,848 $10,848 $10,848 $10,848
Marketing/Promotion $2,400 $2,424 $2,448 $2,472 $2,497 $2,522 $2,547 $2,572 $2,598 $2,624 $2,650 $2,676
Depreciation $180 $182 $184 $186 $188 $190 $192 $194 $196 $198 $200 $202
Rent $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000
Utilities $932 $951 $970 $989 $1,009 $1,029 $1,050 $1,071 $1,092 $1,114 $1,136 $1,159
Postage $2,100 $2,121 $2,142 $2,163 $2,185 $2,207 $2,229 $2,251 $2,274 $2,297 $2,320 $2,343
Insurance $250 $250 $250 $250 $250 $250 $250 $250 $250 $250 $250 $250
Payroll Taxes 15% $752 $752 $752 $752 $752 $752 $752 $1,627 $1,627 $1,627 $1,627 $1,627
Travel $930 $949 $968 $987 $1,007 $1,027 $1,048 $1,069 $1,090 $1,112 $1,134 $1,157
Total Operating $15,560 $15,645 $15,730 $15,815 $15,904 $15,993 $16,084 $22,882 $22,975 $23,070 $23,165 $23,262
Expenses
Profit Before Interest $7,438 $8,103 $8,790 $9,501 $10,232 $10,987 $11,765 $5,863 $6,692 $7,547 $8,431 $9,342
and Taxes
EBITDA $7,618 $8,285 $8,974 $9,687 $10,420 $11,177 $11,957 $6,057 $6,888 $7,745 $8,631 $9,544
Interest Expense $298 $296 $294 $292 $290 $288 $0 $0 $0 $0 $0 $0
Taxes Incurred $2,142 $2,342 $2,549 $2,763 $2,982 $3,210 $3,529 $1,759 $2,008 $2,264 $2,529 $2,803
Net Profit $4,998 $5,465 $5,947 $6,446 $6,959 $7,489 $8,235 $4,104 $4,684 $5,283 $5,902 $6,539
Net Profit/Sales 19.99% 21.22% 22.42% 23.60% 24.73% 25.84% 27.59% 13.35% 14.79% 16.20% 17.57% 18.90%
3
Appendix
Table: Cash Flow

Pro Forma Cash
Flow
Cash Received
Cash from
Operations
Cash Sales $25,000 $25,750 $26,522 $27,318 $28,138 $28,982 $29,851 $30,747 $31,669 $32,619 $33,598 $34,606
Subtotal Cash $25,000 $25,750 $26,522 $27,318 $28,138 $28,982 $29,851 $30,747 $31,669 $32,619 $33,598 $34,606
from Operations
Additional Cash
Received
Sales Tax, VAT, 0.00% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
HST/GST
Received
New Current $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Borrowing
New Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Liabilities
(interest-free)
New Long-term $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Liabilities
Sales of Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Current Assets
Sales of Long- $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
term Assets
New Investment $0 $0 $0 $0 $0 $0 $200,000 $0 $0 $0 $0 $0
Received
Subtotal Cash $25,000 $25,750 $26,522 $27,318 $28,138 $28,982 $229,851 $30,747 $31,669 $32,619 $33,598 $34,606
Received
4
Appendix
Table: Cash Flow (Cont’d from previous page)
Expenditures Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Expenditures
from Operations
Cash Spending $19,822 $20,103 $20,391 $20,686 $20,991 $21,303 $21,424 $26,449 $26,789 $27,138 $27,496 $27,865
Subtotal Spent $19,822 $20,103 $20,391 $20,686 $20,991 $21,303 $21,424 $26,449 $26,789 $27,138 $27,496 $27,865
on Operations
Additional Cash
Spent
Sales Tax, VAT, $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
HST/GST Paid
Out
Principal $400 $400 $400 $400 $400 $400 $57,600 $0 $0 $0 $0 $0
Repayment of
Current
Borrowing
Other Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Principal
Repayment
Long-term $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Liabilities
Principal
Repayment
Purchase Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Current Assets
Purchase Long- $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
term Assets
Dividends $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Cash $20,222 $20,503 $20,791 $21,086 $21,391 $21,703 $79,024 $26,449 $26,789 $27,138 $27,496 $27,865
Spent
Net Cash Flow $4,778 $5,247 $5,731 $6,232 $6,747 $7,279 $150,827 $4,298 $4,880 $5,481 $6,102 $6,741
Cash Balance $10,400 $15,646 $21,377 $27,609 $34,356 $41,635 $192,463 $196,761 $201,641 $207,122 $213,223 $219,964
5
Appendix
Table: Balance Sheet

Pro Forma Balance Sheet
Assets Starting
Balances
Current
Assets
Cash $5,622 $10,400 $15,646 $21,377 $27,609 $34,356 $41,635 $192,463 $196,761 $201,641 $207,122 $213,223 $219,964
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Current
Assets
Total $5,622 $10,400 $15,646 $21,377 $27,609 $34,356 $41,635 $192,463 $196,761 $201,641 $207,122 $213,223 $219,964
Current
Assets
Long-term
Assets
Long-term $60,646 $60,646 $60,646 $60,646 $60,646 $60,646 $60,646 $60,646 $60,646 $60,646 $60,646 $60,646 $60,646
Assets
Accumulated $2,239 $2,419 $2,601 $2,785 $2,971 $3,159 $3,349 $3,541 $3,735 $3,931 $4,129 $4,329 $4,531
Depreciation
Total Long- $58,407 $58,227 $58,045 $57,861 $57,675 $57,487 $57,297 $57,105 $56,911 $56,715 $56,517 $56,317 $56,115
term Assets
Total Assets $64,029 $68,627 $73,691 $79,238 $85,284 $91,843 $98,932 $249,568 $253,672 $258,356 $263,639 $269,540 $276,079
Liabilities Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
and Capital
Current
Liabilities
Current $60,000 $59,600 $59,200 $58,800 $58,400 $58,000 $57,600 $0 $0 $0 $0 $0 $0
Borrowing
Other $35,631 $35,631 $35,631 $35,631 $35,631 $35,631 $35,631 $35,631 $35,631 $35,631 $35,631 $35,631 $35,631
Current
Liabilities
Subtotal $95,631 $95,231 $94,831 $94,431 $94,031 $93,631 $93,231 $35,631 $35,631 $35,631 $35,631 $35,631 $35,631
Current
Liabilities
6
Appendix
Long-term $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Liabilities
Total $95,631 $95,231 $94,831 $94,431 $94,031 $93,631 $93,231 $35,631 $35,631 $35,631 $35,631 $35,631 $35,631
Liabilities
Paid-in $1,015 $1,015 $1,015 $1,015 $1,015 $1,015 $1,015 $201,015 $201,015 $201,015 $201,015 $201,015 $201,015
Capital
Retained ($32,617) ($32,617) ($32,617) ($32,617) ($32,617) ($32,617) ($32,617) ($32,617) ($32,617) ($32,617) ($32,617) ($32,617) ($32,617)
Earnings
Earnings $0 $4,998 $10,462 $16,409 $22,855 $29,814 $37,303 $45,539 $49,643 $54,327 $59,610 $65,511 $72,050
Total Capital ($31,602) ($26,604) ($21,140) ($15,193) ($8,747) ($1,788) $5,701 $213,937 $218,041 $222,725 $228,008 $233,909 $240,448
Total $64,029 $68,627 $73,691 $79,238 $85,284 $91,843 $98,932 $249,568 $253,672 $258,356 $263,639 $269,540 $276,079
Liabilities
and Capital
Net Worth ($31,602) ($26,604) ($21,140) ($15,193) ($8,747) ($1,788) $5,701 $213,937 $218,041 $222,725 $228,008 $233,909 $240,448

COMPANY Business Plan Summary

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COMPANY Business Plan Summary

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COMPANY NAME Business Plan

Contact: INSERT NAME

It is acknowledged by reader that information to be furnished in this business plan is in all

Upon request, this document is to be immediately returned to COMPANY NAME.

This is a business plan. It does not imply an offering of securities.

1.0 Executive Summary...............................................................................1

8.3 Projected Profit and Loss....................................................................14

1.0 Executive Summary

COMPANY NAME is located in [CITY], [STATE].

Contact: INSERT NAME

 Personalized classroom atmosphere for the students.

The objectives of COMPANY NAME are:

COMPANY NAME is fully dedicated to the continuing education of industry professionals.

1.3 Keys to Success

The keys to the success of COMPANY NAME are:

2.0 Company Summary

COMPANY NAME is located in [CITY], [STATE].

COMPANY NAME was founded by Edward J Walters in 1988. He has taught thousands of

2.1 Company Ownership

COMPANY NAME, is a privately owned "S" corporation, incorporated in state of FL in February

2.2 Company History

Table: Past Performance

Total Assets $67,502 $64,516 $64,029

Paid-in Capital $1,015 $1,015 $1,015

Total Capital and Liabilities $67,502 $64,516 $64,029

Chart: Past Performance

3.0 Products and Services

COMPANY NAME offers construction professionals a source for professional training (continuing

4.0 Market Analysis Summary

4.1 Market Segmentation

Table: Market Analysis

2010 2011 2012 2013 2014

Chart: Market Analysis (Pie)

Market Analysis (Pie)

Real Estate and Renovation

Repair and Painting

4.2 Target Market Segment Strategy

4.3 Service Business Analysis

COMPANY NAME provides continuing education to construction industry professionals. In this

4.3.1 Competition and Buying Patterns

5.0 Web Plan Summary

COMPANY NAME’s, Inc. has created a website:www.NAME.com to provide an Internet presence

The enhanced website includes:

5.1 Website Marketing Strategy

5.2 Development Requirements

6.0 Strategy and Implementation Summary

6.1 SWOT Analysis

COMPANY NAME's strengths will help it capitalize on emerging opportunities. These

 Most contractors prefer to do classes in a live seminar such as ours.

 Access to additional operating capital.

6.2 Competitive Edge

6.3 Marketing Strategy

6.4 Sales Strategy

COMPANY NAME’s sales strategy is based on the following elements:

 A very straightforward approach to the business.

6.4.1 Sales Forecast

As the following table shows, the company anticipates sales of approximately

Table: Sales Forecast

Direct Cost of Sales 2010 2011 2012

Chart: Sales Monthly

$21,000 Continuing Education Courses

Chart: Sales by Year

Milestone Start Date End Date Budget Manager