[Company Name] Start-up Expense Analysis

Required Start-Up Funds Amount Totals Depreciation

Fixed Assets (in years)
Real Estate-Land $ 5,000.00
Buildings $ 20,000.00 10
Leasehold Improvements $ -
Equipment $ 2,000.00 5
Furniture and Fixtures $ -
Vehicles $ -
Other Fixed Assets $ -
Total Fixed Assets $ 27,000.00

Operating Capital
Pre-Opening Salaries $ -
Prepaid Insurance Premium $ 1,000.00
Inventory $ 2,000.00
Legal and Accounting Fees $ 1,500.00
Rent Deposits $ -
Utility Deposits $ 500.00
Supplies $ 300.00
Advertising and Promotions $ 600.00
Licenses $ 150.00
Other Initial Start-Up Costs $ -
Working Capital $ -
Total Operating Capital $ 6,050.00

Total Required Funds $ 33,050.00

 Loan Term in Monthly
Sources of Funding Amount Totals Rate Months Payments
Owner's Equity 100% $ 30,000.00
Outside Investors 0% $ -
Additional Loans or Debt
Commercial Loan 0% $ - 0% $ -
Commercial Mortgage 0% $ - 6% 120 $ -
Credit Card Debt 0% $ - 9% 60 $ -
Vehicle Loans 0% $ - 0% $ -
Other Bank Debt 0% $ - 0% $ -
Total Sources of Funding $ 30,000.00 $ -
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[Company Name] Income Statement
Years Ending:

Revenue Year 1 Year 2 Year 3

Sales revenue $ 150,000 $ 175,000
(Less sales returns and allowances)
Service revenue $ 50,500 $ 75,000
Interest revenue
Other revenue
Total Revenues $ 200,500 $ 250,000

Expenses
Advertising $ 500 $ 450
Bad debt
Commissions
Cost of goods sold $ 55,000 $ 75,000
Depreciation
Employee benefits
Furniture and equipment
Insurance
Interest expense $ 2,000 $ 2,500
Maintenance and repairs
Office supplies
Payroll taxes
Rent
Research and development
Salaries and wages $ 65,000 $ 85,000
Software
Travel
Utilities
 Web hosting and domains
Other
Total Expenses $ 122,500 $ 162,950

Net Income Before Taxes $ 78,000 $ 87,050

Income tax expense $ 15,600 $ 17,410

Income from Continuing Operations $ 62,400 $ 69,640

Net Income $ 62,400 $ 69,640

 [Company Name]
Assets Year 1 Year 2 Year 3
Current Assets
Cash 11,874
Accounts receivable
Inventory
Prepaid expenses
Short-term investments
Total current assets 11,874 -
Fixed (Long-Term) Assets
Long-term investments 1,208
Property, plant, and equipment 15,340
(Less accumulated depreciation) (2,200)
Intangible assets
Total fixed assets 14,348 -
Other Assets
Deferred income tax
Other
Total Other Assets - -

Total Assets 26,222 -

{42}
Common Financial Ratios
Debt Ratio (Total Liabilities / Total Assets) 0.56
Current Ratio (Current Assets / Current Liabilities) 1.06
Working Capital (Current Assets - Current Liabilities) 669 -
Assets-to-Equity Ratio (Total Assets / Owner's Equity) 2.27
Debt-to-Equity Ratio (Total Liabilities / Owner's Equity) 1.27
 BALANCE SHEET
Liabilities and Owner's Equity Year 1 Year 2 Year 3
Current Liabilities
Accounts payable 8,060
Short-term loans
Income taxes payable 3,145
Accrued salaries and wages
Unearned revenue
Current portion of long-term debt
Total current liabilities 11,205 -
Long-Term Liabilities
Long-term debt 3,450
Deferred income tax
Other
Total long-term liabilities 3,450 -
Owner's Equity
Owner's investment 7,178
Retained earnings 4,389
Other
Total owner's equity 11,567 -

Total Liabilities and Owner's Equity 26,222 -

 [Company Name]
3-Year Cash Flow
For the Year Ending 12/31/2014 12/31/2015 12/31/2016
Cash at Beginning of Year 15,700 35,200 56,650
Cash as End of Year 35,200 56,650 80,245

Operations Year 1 Year 2 Year 3

Cash receipts from
Customers 693,200 762,520 838,772
Other Operations
Cash paid for
Inventory purchses (264,000) (290,400) (319,440)
General operating and administrative expenses (112,000) (123,200) (135,520)
Wage expenses (123,000) (135,300) (148,830)
Interest (13,500) (14,850) (16,335)
Income taxes (32,800) (36,080) (39,688)
Net Cash Flow From Operations 147,900 162,690 178,959

Investing Activities
Cash receipts from
Sale of property and equipment 33,600 36,960 40,656
Collection of principal on loans
Sale of investment securities
Cash paid for
Purchase of property and equipment (75,000) (82,500) (90,750)
Making loans to other entities
Purchase of investment securities
Net Cash Flow from Investing Activities (41,400) (45,540) (50,094)

Financing Activities
Cash receipts from
Issuance of stock
Borrowing
Cash paid for
Repurchase of stock (treasury stock)
Repayments of loans (34,000) (37,400) (41,140)
Dividends (53,000) (58,300) (64,130)
Net Cash Flow from Financing Activites (87,000) (95,700) (105,270)

Net Increase in Cash 19,500 21,450 23,595

 [Company Name]

Salaries and Related Expenses # Assumption Wage Base

Percent Change

Salaries and Wages

Owner's Compensation 2
Salaries 2
Wages
Full-Time Employees 10
Estimated Hours Per Week 40.00
Estimated Rate Per Hour $ 9.00
Part-Time Employees 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% $ 7,000
State Unemployment Tax (SUTA) 2.70% $ 7,000
Employee Pension Programs
Worker's Compensation
Employee Health Insurance
Other Employee Benefit Programs 4.00%
Total Payroll Taxes and Benefits

Total Salaries and Related Expenses

 Payroll Expense Analysis

Monthly 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 $ 289,224 $ 297,901

$ 1,451 $ 17,410 $ 17,932 $ 18,470

$ 339 $ 4,072 $ 4,194 $ 4,320
$ 11 $ 134 $ 134 $ 134
$ 378 $ 4,536 $ 4,536 $ 4,536
$ - $ - $ - $ -
$ - $ - $ - $ -
$ - $ - $ - $ -
$ 936 $ 11,232 $ 11,569 $ 11,916
$ 3,115 $ 37,384 $ 38,365 $ 39,376

$ 26,515 $ 318,184 $ 327,589 $ 337,277