Demo Financial Plan

Business Development Chart
4,000,000
3,500,000
3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000
0
Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21
-500,000
Revenue Expense Net Profit
Aug-20 Sep-20 Oct-20 Nov-20
Business Expense 369,900 218,385 251,143 288,814
Apportion Cost 72,000 72,000 72,000 72,000
Administrative and
103,716 103,716 103,716 103,716
office
Cost of Labour 182,116 182,116 182,116 182,116
Volunteers 0 0 0 12,600
Other Expenses 55,000 55,000 55,000 55,000
Tax 40,972 22,972 22,974 22,972
Expense
823,704 654,189 686,948 737,218
Income Aug-20 Sep-20 Oct-20 Nov-20

Drawdown 2,550,000 2,932,500 3,372,375 3,878,231
Revenue 765,000 879,750 1,011,713 1,163,469

Net Profit 641,250 737,437 848,053 975,261
Profit before tax -182,454 83,249 161,105 238,043
Cost of labour structure (Monthly)
BOS + Accountant + Legal + Admin, 3,900, 4% OP, 2,500, 2% TC, 2,000, 2%
MKT event, 6,000, 6%
MKT online, 34,100, 33%
IT, 54,500, 53%

Expense structur
73,954,252 100%
90%
Drawdown 80% 369,900218,385 251,143 301,414 344,736 394,557 451,850
70%
22,186,276 60%
50%
40%
Revenue 30%
20% 443,804
425,804 425,806 425,804 425,804 425,804 425,8
10%
1 May-21 Jun-21 Jul-21 7,548,796 0%
1 2 3 4 5 6 7
Profit before tax Fixed cost Variable c
Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21
332,136 381,957 439,250 505,138 580,908 668,045
72,000 72,000 72,000 72,000 72,000 72,000
103,716 103,716 103,716 103,728 103,728 103,728
182,116 182,116 182,116 182,116 182,116 182,116
12,600 12,600 12,600 12,600 12,600 12,600
55,000 55,000 55,000 55,000 55,000 55,000
22,972 22,972 22,972 22,972 22,972 22,972
780,540 830,360 887,654 953,553 1,029,324 1,116,460
Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21

4,459,966 5,128,961 5,898,305 6,783,051 7,800,508 8,970,585
1,337,990 1,538,688 1,769,491 2,034,915 2,340,152 2,691,175

1,121,550 1,289,783 1,483,250 1,705,738 1,961,598 2,255,838
341,010 459,422 595,596 752,184 932,274 1,139,378
re (Monthly) Expense Struct
OP, 2,500, 2% TC, 2,000, 2% Tax; 40,972; 5%
Other Expenses; 55,000; 7%
Cost of Labour; 182,116; 22%
IT, 54,500, 53%
Administrative and office;

103,716; 13%
Apporti
Expense structure
5,127,705
4 344,736 394,557 451,850 517,738
Fixed cost
593,508 680,645 896,089
5,920,817
425,804 425,804 425,804 425,816
425,816
425,816 425,816 Variable cost
425,816
5 6 7 8 9 10 11
11,048,522
12
Fixed cost Variable cost Total Expense
Jun-21 Jul-21 Total Average
768,251 883,489 5,687,417 473,951
72,000 72,000 864,000 72,000
103,728 103,728 1,244,652 103,721
182,116 182,116 2,185,392 182,116
12,600 12,600 113,400 9,450
55,000 55,000 660,000 55,000
22,972 22,972 293,661 24,472
1,216,667 1,331,905 11,048,522 920,710
Jun-21 Jul-21 Total Average

10,316,172 11,863,598 73,954,252 6,162,854
3,094,852 3,559,079 22,186,276 1,848,856

2,594,214 2,983,346 18,597,318 1,549,776
1,377,547 1,651,441 7,548,796 629,066
Expense Structure (Monthly)
Tax; 40,972; 5%
nses; 55,000; 7%
of Labour; 182,116; 22% Business Expense ; 369,900; 45%
e and office;
; 13%
Apportion Cost; 72,000; 9%

Income Dec-99 Sep-20
Drawdown (30% - 500k,

2,550,000 2,932,500
70%-1000k)
Transaction 3,000 3,450
Revenue 765,000 879,750

NPL (non - Performing Loan) 10% 10%
NPL value 76,500 87,975
Lender 114,750 131,963
Interest rate 1.0% 1.0%
Interest cost 25,500 29,325
Cash Collection 9,000 10,350
641,250 737,437
Net profit
income from Net Profit 192,375 221,231

Oct-20 Nov-20 Dec-20
3,372,375 3,878,231 4,459,966
3,968 4,563 5,247
1,011,713 1,163,469 1,337,990

10% 10% 10%
101,171 116,347 133,799
151,757 174,520 200,698
1.0% 1.5% 1.5%
33,724 58,173 66,899
11,903 13,688 15,741
848,053 975,261 1,121,550
254,416 292,578 336,465

Jan-21 Feb-21 Mar-21 Apr-21
5,128,961 5,898,305 6,783,051 7,800,508
6,034 6,939 7,980 9,177
1,538,688 1,769,491 2,034,915 2,340,152

10% 10% 10% 10%
153,869 176,949 203,492 234,015
230,803 265,424 305,237 351,023
1.5% 1.5% 1.5% 1.5%
76,934 88,475 101,746 117,008
18,102 20,818 23,940 27,531
1,289,783 1,483,250 1,705,738 1,961,598
386,935 444,975 511,721 588,479

May-21 Jun-21 Jul-21 Total
8,970,585 10,316,172 11,863,598 73,954,252
10,554 12,137 13,957 87,005
2,691,175 3,094,852 3,559,079 22,186,276

10% 10% 10% 1
269,118 309,485 355,908 2,218,628
403,676 464,228 533,862 3,327,941
1.5% 1.5% 1.5% 0
134,559 154,743 177,954 1,065,039
31,661 36,410 41,872 261,015
2,255,838 2,594,214 2,983,346 18,597,318
676,751 778,264 895,004 5,579,195

Average
6,162,854
7,250
1,848,856
0
184,886
277,328
88,753
21,751
1,549,776
464,933
Expenses (1.000 vnđ) Dec-99 Sep-20 Oct-20
Business Expense Monthly totals: 369,900 218,385 251,143
Advertise CPT 25k/trans 157,500 181,125 208,294
Promotion 180,000 0 0
Offline event CPT 18k/trans 32,400 37,260 42,849
Apportion Cost Monthly totals: 72,000 72,000 72,000
Server 72,000 72,000 72,000
Domain 0 0 0
Hosting 0 0 0
Depreciation of fixed assets 0 0 0
Administrative and
Monthly totals: 103,716 103,716 103,716
office
Offlice rental 71,316 71,316 71,316
Warehouse 0 0 0
Printed, document 1,000 1,000 1,000
Electric 10,600 10,600 10,600
Waiter 2,000 2,000 2,000
Internet 15,800 15,800 15,800
Phone 3,000 3,000 3,000
Cost of Labour Monthly totals: 182,116 182,116 182,116
Wages 144,500 144,500 144,500
Welfare 3,000 3,000 3,000
income from Net Profit 10,000 10,000 10,000
Recruitment fee 1,000 1,000 1,000
Insurance for Labor ( 16%) 23,616 23,616 23,616
Volunteers Monthly totals: 0 0 0
Data Entry Clerk 0 0 0
Bonus (20%) 0 0 0
Others welfare 0 0 0
Other Expenses Monthly totals: 55,000 55,000 55,000
Business trip 25,000 25,000 25,000
Public relations expenses 25,000 25,000 25,000
Taxi 5,000 5,000 5,000
Gift 0 0 0
Tax Monthly totals: 40,972 22,972 22,974
VAT 40,972 22,972 22,972
Business income Ttax 0 0 0
License tax 0 0 2
Total 823,704 654,189 686,948

Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21
288,814 332,136 381,957 439,250 505,138 580,908 668,045 768,251
239,538 275,468 316,789 364,307 418,953 481,796 554,066 637,175
0 0 0 0 0 0 0 0
49,276 56,668 65,168 74,943 86,185 99,112 113,979 131,076
72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000
72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
103,716 103,716 103,716 103,716 103,728 103,728 103,728 103,728
71,316 71,316 71,316 71,316 71,316 71,316 71,316 71,316
0 0 0 0 12 12 12 12
1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000
10,600 10,600 10,600 10,600 10,600 10,600 10,600 10,600
2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000
15,800 15,800 15,800 15,800 15,800 15,800 15,800 15,800
3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000
182,116 182,116 182,116 182,116 182,116 182,116 182,116 182,116
144,500 144,500 144,500 144,500 144,500 144,500 144,500 144,500
3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000
10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000
1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000
23,616 23,616 23,616 23,616 23,616 23,616 23,616 23,616
12,600 12,600 12,600 12,600 12,600 12,600 12,600 12,600
9,000 9,000 9,000 9,000 9,000 9,000 9,000 9,000
3,600 3,600 3,600 3,600 3,600 3,600 3,600 3,600
0 0 0 0 0 0 0 0
55,000 55,000 55,000 55,000 55,000 55,000 55,000 55,000
25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000
25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000
5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000
0 0 0 0 0 0 0 0
22,972 22,972 22,972 22,972 22,972 22,972 22,972 22,972
22,972 22,972 22,972 22,972 22,972 22,972 22,972 22,972
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
737,218 780,540 830,360 887,654 953,553 1,029,324 1,116,460 1,216,667

Jul-21 Total Average
883,489 5,687,417 473,951
732,752 4,410,263 380,647
0 0 15,000
150,737 907,254 78,305
72,000 864,000 72,000

72,000 792,000 72,000
0 0 0
0 0 0
0 0 0
103,728 1,244,652 103,721

71,316 784,476 71,316
12 60 5
1,000 11,000 1,000
10,600 116,600 10,600
2,000 22,000 2,000
15,800 173,800 15,800
3,000 33,000 3,000
182,116 2,185,392 182,116

144,500 1,589,500 144,500
3,000 33,000 3,000
10,000 110,000 10,000
1,000 11,000 1,000
23,616 259,776 23,616
12,600 113,400 9,450

9,000 81,000 6,750
3,600 32,400 2,700
0 0 0
55,000 660,000 55,000
25,000 300,000 25,000
25,000 300,000 25,000
5,000 60,000 5,000
0 0 0
22,972 293,661 24,472

22,972 183,773 24,472
0 0 0
0 0 0
1,331,905 11,048,522 920,710 0

Dept Possition Headcount Salary/month BHXH
BOD CEO 1 5000
Operation COO 5 2,000 1,100
OP executive 500
8,000
Telephone Collection TC Manager 3 1,500 1,100
TC Executive 500 1,100
5,000
IT CTO 11 2,000
Senior Frontend 500
10,000
11,000
3,000
15,000
11,000
Senior Backend 500
UI Manager 1,500
Senior Backend 500
Junior Backend 500
Back 500
Back 500
Marketing Maketing Manager 1,500
MKT controler 8 300
MKT billboard 300
10,000
7,500
5,000
5,000
5,000
Maketing online Executive 500

Video editor 500
Lead booth 1,000
5,000
BOS Internal Control Manager 6 1,500

Chief Accountant 1,500
Accountant 300
Legal 300
HR & Admin 300
20,000
34 144,500
Total
Salary/3months KPIs/Quater
15,000 10,148 trans
6,000 10,148 records
1,500
4,500 10% NPL

1,500
15,000
Complete App , Finance
Support, Ecommerce,
6,000 Entertainment, Job
1,500
30,000
33,000
9,000
45,000
33,000
1,500
4,500
1,500
1,500
1,500
1,500
4,500
900 10,148 trans
900
30,000
22,500
15,000
1,500
1,500
3,000
15,000
10,148 cash out trans, 10,148

cash in trans, Control 22
4,500 Retailers
4,500
900
900
900
60,000
379,500
CASH FLOW STATEMENT
Be Finance JSC
Operating activities Aug-20 Sep-20 Oct-20

Net income - 182,454 83,249 161,105
Depreciation - - -
Accounts receivable - -
Inventories - - -
Accounts payable - - -
Amortization - - -
Other liabilities - - -
- - -
Other operating cash flow item - - -
Total operating activities - 182,454 83,249 161,105
Investing activities Aug-20 Sep-20 Oct-20

Capital expenditures - - -
Acquisition of business - - -
Sale of fixed assets - - -
Other investing cash flow item - - -
Total investing activities - - -
Financing activities Aug-20 Sep-20 Oct-20

Shortterm debt/financing - - -
Preferred stock - - -
Total cash dividends paid - - -
Common stock - - -
Other financing cash flow item - - -
Total financing activities - - -
Cumulative cash flow - 182,454 83,249 161,105
Beginning cash balance 1,500,000 759,545 266,461

Expense 823,704 654,189 686,948
Ending cash balance Operati 676,296 105,357 - 420,487
Beginning cash balance 910,715 410,938 - 33,069
Drawdown 293,023 381,977 484,273
Bad Debt 29,302 38,198 48,427
NPL 29,302 38,198 48,427
Get Paid 234,419 305,581 387,419
Ending cash balance (OP+

617,691.73 28,961.23 (517,341.76)
Drawdown)
Nov-20 Dec-20 Jan-21 Feb-21 Mar-21
238,043 341,010 459,422 595,596 752,184
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
238,043 341,010 459,422 595,596 752,184

- - - - -
- - - - -
- - - - -
- - - - -
- - -

- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - -
238,043 341,010 459,422 595,596 752,184
- 182,444 - 578,651 - 899,769 - 1,134,533 - 1,270,003

737,218 780,540 830,360 887,654 953,553
- 919,662 - 1,359,191 - 1,730,129 - 2,022,187 - 2,223,556
- 438,130 - 769,430 - 1,015,904 - 1,164,828 - 1,201,593
601,914 737,201 892,782 1,071,699 1,277,454
60,191 73,720 89,278 107,170 127,745
60,191 73,720 89,278 107,170 127,745
481,531 589,761 714,225 857,359 1,021,963
### (1,506,631.56) (1,908,685.58) (2,236,526.61) (2,479,046.69)

Apr-21 May-21 Jun-21 Jul-21
932,274 1,139,378 1,377,547 1,651,441
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
- - - -
932,274 1,139,378 1,377,547 1,651,441

- - - -
- - - -
- - - -
- - - -

- - - -
- - - -
- - - -
- - - -
- - - -
932,274 1,139,378 1,377,547 1,651,441
- 1,291,282 - 1,181,228 - 920,142 - 485,367

1,029,324 1,116,460 1,216,667 1,331,905
- 2,320,606 - 2,297,688 - 2,136,809 - 1,817,272
- 1,109,348 - 868,742 - 457,521 149,909
1,514,072 1,786,182 2,099,110 2,458,976
151,407 178,618 209,911 245,898
151,407 178,618 209,911 245,898
1,211,257 1,428,946 1,679,288 1,967,181
(2,623,420.09) (2,654,924.80) (2,556,630.52) (2,309,067.40)

Data Aug-20 Sep-20 Oct-20
Revenue 765,000 879,750 1,011,713
Expense 823,704 654,189 686,948
Net Profit -182,454 83,249 161,105
Apportion Cost 72,000 72,000 72,000

Administrative and office 103,716 103,716 103,716
Cost of Labour 172,116 172,116 172,116
Other Expenses 55,000 55,000 55,000
Tax 40,972 22,972 22,974
Fixed cost 443,804 425,804 425,806
Business Expense 369,900 218,385 251,143

Volunteers 0 0 0
income from Net Profit 10,000 10,000 10,000
Variable cost 369,900 218,385 251,143
45% 33% 37%

Expense 639,310 679,584 717,053
OP 2,500
TC 2,000
IT 54,500
MKT online 34,100
MKT event 6,000
BOS + Accountant +
Legal + Admin 3,900
1,163,469 1,337,990 1,538,688 1,769,491 2,034,915
737,218 780,540 830,360 887,654 953,553
238,043 341,010 459,422 595,596 752,184
72,000 72,000 72,000 72,000 72,000

103,716 103,716 103,716 103,716 103,728
172,116 172,116 172,116 172,116 172,116
55,000 55,000 55,000 55,000 55,000
22,972 22,972 22,972 22,972 22,972
425,804 425,804 425,804 425,804 425,816
288,814 332,136 381,957 439,250 505,138

12,600 12,600 12,600 12,600 12,600
10,000 10,000 10,000 10,000 10,000
301,414 344,736 394,557 451,850 517,738
41% 44% 48% 51% 54%

760,138 809,688 866,671 932,201 1,007,566
2,340,152 2,691,175 3,094,852 3,559,079
1,029,324 1,116,460 1,216,667 1,331,905
932,274 1,139,378 1,377,547 1,651,441
Total
72,000 72,000 72,000 72,000 864,000
103,728 103,728 103,728 103,728 1,244,652
172,116 172,116 172,116 172,116 2,065,392
55,000 55,000 55,000 55,000 660,000
22,972 22,972 22,972 22,972 293,661
425,816 425,816 425,816 425,816 5,127,705
580,908 668,045 768,251 883,489 5,687,417

12,600 12,600 12,600 12,600 113,400
10,000 10,000 10,000 10,000 120,000
593,508 680,645 780,851 896,089 5,920,817
11,048,522
58% 61% 64% 67%

1,094,230 1,193,893 1,308,505 1,440,309 1,591,884

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Business Development Chart

Revenue Expense Net Profit

Aug-20 Sep-20 Oct-20 Nov-20

Business Expense 369,900 218,385 251,143 288,814

Apportion Cost 72,000 72,000 72,000 72,000

Cost of Labour 182,116 182,116 182,116 182,116

Other Expenses 55,000 55,000 55,000 55,000

Tax 40,972 22,972 22,974 22,972

Income Aug-20 Sep-20 Oct-20 Nov-20

Revenue 765,000 879,750 1,011,713 1,163,469

MKT online, 34,100, 33%

IT, 54,500, 53%

Profit before tax Fixed cost Variable c

Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21

332,136 381,957 439,250 505,138 580,908 668,045

72,000 72,000 72,000 72,000 72,000 72,000

103,716 103,716 103,716 103,728 103,728 103,728

182,116 182,116 182,116 182,116 182,116 182,116

12,600 12,600 12,600 12,600 12,600 12,600

55,000 55,000 55,000 55,000 55,000 55,000

22,972 22,972 22,972 22,972 22,972 22,972

780,540 830,360 887,654 953,553 1,029,324 1,116,460

Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21

1,337,990 1,538,688 1,769,491 2,034,915 2,340,152 2,691,175

Other Expenses; 55,000; 7%

Cost of Labour; 182,116; 22%

IT, 54,500, 53%

Administrative and office;

Fixed cost Variable cost Total Expense

Jun-21 Jul-21 Total Average

768,251 883,489 5,687,417 473,951

72,000 72,000 864,000 72,000

103,728 103,728 1,244,652 103,721

182,116 182,116 2,185,392 182,116

12,600 12,600 113,400 9,450

55,000 55,000 660,000 55,000

22,972 22,972 293,661 24,472

1,216,667 1,331,905 11,048,522 920,710

Jun-21 Jul-21 Total Average

3,094,852 3,559,079 22,186,276 1,848,856

of Labour; 182,116; 22% Business Expense ; 369,900; 45%

Apportion Cost; 72,000; 9%

Drawdown (30% - 500k,

Revenue 765,000 879,750

Lender 114,750 131,963

Interest rate 1.0% 1.0%

Interest cost 25,500 29,325

Cash Collection 9,000 10,350

income from Net Profit 192,375 221,231

3,372,375 3,878,231 4,459,966

3,968 4,563 5,247

1,011,713 1,163,469 1,337,990

151,757 174,520 200,698

1.0% 1.5% 1.5%

33,724 58,173 66,899

11,903 13,688 15,741

848,053 975,261 1,121,550

254,416 292,578 336,465

5,128,961 5,898,305 6,783,051 7,800,508

6,034 6,939 7,980 9,177

1,538,688 1,769,491 2,034,915 2,340,152

230,803 265,424 305,237 351,023

1.5% 1.5% 1.5% 1.5%