Creative Concepts Computer Design offers computer and technical consulting to small businesses and home PC users. The company focuses on marketing, responsiveness, quality, and customer relations.
Initially, Creative Concepts will be a sole proprietorship with minimal outside financing. It will operate from a home office in Eugene, Oregon, serving local customers. Bram Ekstrand will be the owner, and the company may hire more employees and expand in the future.
Market research shows that there is a niche for additional businesses in the computing industry due to its rapid technological development. Home PC users will be the primary source of revenue, requiring minor upgrades, services, and advice. Business Week predicts a 12% growth rate in the computing industry, offering sales opportunities.
Creative Concepts will primarily target the home PC market due to its simplicity, speed, and flexibility in service times. The company will focus on Eugene and the surrounding areas, where market research indicates a high demand. If needed, promotional mediums like radio or print ads may be explored.
The main competitors in the Eugene/Springfield area are VOS and Suntech Computers, who charge higher rates than Creative Concepts. Therefore, the company anticipates attracting price-sensitive customers easily.
As a service-based business, start-up expenses will be modest. Operational costs should remain low as there are no physical products involved. Fixed costs have been accurately estimated on a monthly basis to cover equipment maintenance and basic tools. Variable costs have been set per unit to account for additional expenses like travel.
Objectives:
1. Provide a profitable service that meets community demands.
2. Establish a loyal customer base for growth.
3. Contribute positively to the community.
Mission:
To deliver exceptional quality and timely products while being a valued member of society. Every customer will be treated as a priority.
Contents
1.3 Keys to Success
- Marketing and Networking (being known to the public).
- Responsiveness (being an on-call computer paramedic with fast response time).
- Quality (getting the job done right the first time, offering a 100% guarantee).
- Relationships (developing loyal repeat customers–retainers).
Company Summary
Creative Concepts will initially be a sole proprietorship.
The goal will be to start the venture inexpensively, with minimal outside financing.
Creative Concepts will be a home office start-up, utilizing one studio room in the owner’s home.
2.1 Company Ownership
Creative Concepts will be initially owned by Bram Ekstrand as a sole proprietorship. Possibly later adding additional employees and expanding operations as well as clientele.
2.2 Start-up Summary
Total start-up expenses are modest. This consists mostly of equipment costs along with a few dollars for research of consumer wants and desires and a few pads of stationary. Exact allocations are shown on the table. Since this is a service business and not product oriented, operational costs should remain low during the start-up process.
Start-up Requirements
Start-up Expenses
Legal – $150
Stationery etc. – $50
Brochures – $0
Consultants – $0
Insurance – $0
Rent – $0
Research and development – $20
Expensed equipment – $500
Other – $0
Total Start-up Expenses – $720
Start-up Assets
Cash Required – $280
Other Current Assets – $0
Long-term Assets – $0
Total Assets – $280
Total Requirements – $1,000
Start-up Funding
Start-up Expenses to Fund – $720
Start-up Assets to Fund – $280
Total Funding Required – $1,000
Assets
Non-cash Assets from Start-up – $0
Cash Requirements from Start-up – $280
Additional Cash Raised – $0
Cash Balance on Starting Date – $280
Total Assets – $280
Liabilities and Capital
Liabilities
Current Borrowing – $0
Long-term Liabilities – $0
Accounts Payable (Outstanding Bills) – $0
Other Current Liabilities (interest-free) – $0
Total Liabilities – $0
Capital
Planned Investment
Investor 1 – $1,000
Investor 2 – $0
Other – $0
Additional Investment Requirement – $0
Total Planned Investment – $1,000
Loss at Start-up (Start-up Expenses) – ($720)
Total Capital – $280
Total Capital and Liabilities – $280
Total Funding – $1,000
Services
Creative Concepts will offer computer support and upgrade service to clients of two major categories, home PC users and small office users. These categories will define 95% of our operations.
Service Description
Our services can be obtained through direct hourly compensation or through a contract situation with pre-defined limits.
Competitive Comparison
Our services are more thorough and precise than any existing competition in the surrounding metro area. Since we have no extravagant overhead, we can focus on delivering exactly what the customer wants, something other computer support providers in this area have a hard time with.
Technology
Creative Concepts will operate in an environment with constantly evolving technology. Keeping up to date will be vital to the profitability of this venture. We will maintain working knowledge of all the latest software available to the public. Our customers will receive the most current versions of all software and hardware upgrades requested.
Market Analysis Summary
Creative Concepts Computer Design will provide computer support in both a consulting and technical capacity to home PC users and small business owners. Since Creative Concepts is currently a one-man operation, it will be limited in growth to the capacity of work able to be completed. Personal market research indicates an available market niche for additional businesses of this nature. The computing industry’s rapid technological development creates a constant need for businesses skilled in updating and advising customers on computer-related issues.
Market Segmentation
The existing computer service market is extensive, making it difficult to categorize. For our revenue-oriented purposes, we will define the market into home PC users and small business clients. Home PC users will provide the majority of our revenue and typically consist of minor upgrade services and advising. The small business market will be defined as customers with five or more computers or a network requiring service or repair.
Market Analysis
| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | ||||
| Growth | CAGR | |||||||
| Potential Customers | 2% | 25,000 | 25,500 | 26,010 | 26,530 | 27,061 | ||
| Small Business Contracts | 1% | 10,000 | 10,100 | 10,201 | 10,303 | 10,406 | ||
| Other | 0% | 0 | 0 | 0 | 0 | 0 | ||
| Total | 1.72% | 35,000 | 35,600 | 36,211 | 36,833 | 37,467 | ||
4.2 Target Market Segment Strategy
Creative Concepts focuses primarily on the home PC market for various reasons. Home customers often request jobs that are easier, faster, and less resource-intensive than small business customers. This market also offers more flexibility for service times, allowing a more productive workday.
4.2.1 Market Needs
According to ComputingNet magazine, there is a substantial need for individuals capable of performing computer upgrades and repairs in a timely and cost-effective manner. Creative Concepts targets that market niche.
4.2.2 Market Trends
The computer industry continues to release new and revised computer components at alarming rates. This provides job security for Creative Concepts.
4.2.3 Market Growth
As reported by the Wall Street Journal, the computer market shows no signs of slowing down. Business Week expects the computing industry to grow at a rate of 12%, with processor speeds continuing to expand.
4.3 Service Business Analysis
Secondary market research indicates that computer service customers are loyal to providers that do good work and satisfy their needs. Analysis of Creative Concepts’ main competitors reveals no significant barriers to potential success. Identifying competitors’ weaknesses has illuminated several areas Creative Concepts can target as marketing strategies.
4.3.1 Main Competitors
The area has two main competitors for the computer upgrade business:
1. VOS: A well-established provider.
2. Suntech Computers: Smaller and less known than VOS, serving East and South Eugene residents.
Both of these companies charge rates higher than Creative Concepts, making it easier to attract price-sensitive customers. Additionally, the accessibility of Creative Concepts’ services appeals to time-conscious customers.
4.3.2 Competition and Buying Patterns
Other providers offer similar services in the area. Creative Concepts will provide superior service and competitive prices. Word of mouth will bring in new clients, and customer satisfaction will retain business.
Strategy and Implementation Summary
Creative Concepts’ value proposition is timely and practical solutions at a reasonable rate, backed by a 100% guarantee. The company’s competitive edge lies in cultivating existing customer relationships. The target market is Eugene and the surrounding areas, which offer ample business opportunities. If more business is needed, promotional mediums such as radio or print ads can be explored.
5.1 Competitive Edge
Creative Concepts differentiates itself by quickly completing customer requests. Most home PC user requests aim for a 48-hour completion, while small business obligations take slightly longer. Services are offered at or slightly below the going wage. This strategy allows Creative Concepts to undercut competitors and gain local market power.
5.2 Value Proposition
Creative Concepts’ business is simple: providing quality services at reasonable prices and prioritizing customer care.
5.3 Sales Strategy
Customer satisfaction leads to repeat business and referrals. Happy customers will spread the word, attracting more business.
Sales forecast figures predict slow, controllable growth. Initial focus will be on quality and attention to detail, avoiding potential pitfalls encountered by new businesses. Moderate growth is expected in the home PC market and small business arenas, allowing flexibility to adapt to variations in demand while maintaining profitability.
| Sales Forecast | |||
| Year 1 | Year 2 | Year 3 | |
| Unit Sales | |||
| Home PC Unit | 396 | 475 | 570 |
| Small Business Unit | 214 | 235 | 259 |
| Other | 0 | 0 | 0 |
| Total Unit Sales | 610 | 710 | 829 |
| Unit Prices | Year 1 | Year 2 | Year 3 |
| Home PC Unit | $30.00 | $33.00 | $36.30 |
| Small Business Unit | $30.00 | $36.00 | $43.20 |
| Other | $0.00 | $0.00 | $0.00 |
| Sales | |||
| Home PC Unit | $11,874 | $15,674 | $20,690 |
| Small Business Unit | $6,415 | $8,468 | $11,178 |
| Other | $0 | $0 | $0 |
| Total Sales | $18,289 | $24,142 | $31,868 |
| Direct Unit Costs | Year 1 | Year 2 | Year 3 |
| Home PC Unit | $5.00 | $7.00 | $10.00 |
| Small Business Unit | $7.00 | $10.00 | $13.00 |
| Other | $0.00 | $0.00 | $0.00 |
| Direct Cost of Sales | |||
| Home PC Unit | $1,979 | $3,325 | $5,700 |
| Small Business Unit | $1,497 | $2,352 | $3,364 |
| Other | $0 | $0 | $0 |
| Subtotal Direct Cost of Sales | $3,476 | $5,677 | $9,063 |
5.4 Milestones
The milestones in the table below outline the major events that will promote and ensure the success of Creative Concepts.
| Milestones | |||||
| Milestone | Start Date | End Date | Budget | Manager | Department |
| Acquisition of Capital for initial opening | 8/1/2002 | 9/1/2002 | $0 | BNE | Admin |
| Procurement of materials for opening | 9/1/2002 | 10/1/2002 | $500 | BNE | Admin |
| Open for Business | 10/1/2002 | Never | $0 | BNE | Admin |
| Name me | 3/1/1999 | 4/1/1999 | $0 | ABC | Department |
| Totals | $500 | ||||
Management Summary
As Creative Concepts is currently a sole proprietorship, this topic is not applicable. However, it will be revised in the future if employees are added.
6.1 Personnel Plan
The following table shows the expected compensation for the sole employee, the owner. The owner’s pay will be directly reflective of the business’s success, and a residual amount of income will be left with the company each month to allow for potential future expansion or hiring of additional employees.
| Personnel Plan | |||
| Year 1 | Year 2 | Year 3 | |
| Owner | $8,102 | $12,071 | $15,934 |
| Other | $0 | $0 | $0 |
| Total People | 0 | 0 | 0 |
| Total Payroll | $8,102 | $12,071 | $15,934 |
Financial Plan
The following sections include the annual estimates for the standard set of financial tables. Detailed monthly pro-forma tables are included in the appendix.
7.1 Important Assumptions
Fluctuations in Creative Concepts’ customer base may occur due to economic recessions or other circumstances directly related to consumer or industry behavior.
| General Assumptions | |||
| Year 1 | Year 2 | Year 3 | |
| Plan Month | 1 | 2 | 3 |
| Current Interest Rate | 10.00% | 10.00% | 10.00% |
| Long-term Interest Rate | 10.00% | 10.00% | 10.00% |
| Tax Rate | 25.42% | 25.00% | 25.42% |
| Other | 0 | 0 | 0 |
7.2 Break-even Analysis
Fixed costs have been set at a reasonable monthly level to allow for equipment maintenance and purchase or replacement of basic tools. Variable costs have been set per unit to account for additional expenses such as gas or other travel costs specific to each job.
Monthly Units Break-even: 28
Monthly Revenue Break-even: $834
Assumptions:
– Average Per-Unit Revenue: $29.98
– Average Per-Unit Variable Cost: $5.70
– Estimated Monthly Fixed Cost: $675
Projected Profit and Loss
The profit and loss shown for this company is inspiring. In the first year of operation, there is a modest net profit, providing flexibility and survival during the start-up phase. The profit margin declines in the following two years due to increased payroll allocations. These allocations depend on the continued success of the business. As this business is operated from home, expenses such as rent, utilities, and insurance are not reflective of the business venture.
Pro Forma Profit and Loss
| Pro Forma Profit and Loss | |||
| Year 1 | Year 2 | Year 3 | |
| Sales | $18,289 | $24,142 | $31,868 |
| Direct Cost of Sales | $3,476 | $5,677 | $9,063 |
| Other | $0 | $0 | $0 |
| Total Cost of Sales | $3,476 | $5,677 | $9,063 |
| Gross Margin | $14,814 | $18,465 | $22,804 |
| Gross Margin % | 80.99% | 76.48% | 71.56% |
| Expenses | |||
| Payroll | $8,102 | $12,071 | $15,934 |
| Sales and Marketing and Other Expenses | $0 | $0 | $0 |
| Depreciation | $0 | $0 | $0 |
| Leased Equipment | $0 | $0 | $0 |
| Utilities | $0 | $0 | $0 |
| Insurance | $0 | $0 | $0 |
| Rent | $0 | $0 | $0 |
| Payroll Taxes | $0 | $0 | $0 |
| Other | $0 | $0 | $0 |
| Total Operating Expenses | $8,102 | $12,071 | $15,934 |
| Profit Before Interest and Taxes | $6,711 | $6,394 | $6,870 |
| EBITDA | $6,711 | $6,394 | $6,870 |
| Interest Expense | $0 | $0 | $0 |
| Taxes Incurred | $1,702 | $1,598 | $1,746 |
| Net Profit | $5,009 | $4,795 | $5,124 |
| Net Profit/Sales | 27.39% | 19.86% | 16.08% |
7.4 Projected Cash Flow
This information is presented in the chart and table below.
Pro Forma Cash Flow
| Pro Forma Cash Flow | |||
| Year 1 | Year 2 | Year 3 | |
| Cash Received | |||
| Cash from Operations | |||
| Cash Sales | $0 | $0 | $0 |
| Cash from Receivables | $12,657 | $22,340 | $29,488 |
| Subtotal Cash from Operations | $12,657 | $22,340 | $29,488 |
| 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 | $0 | $0 | $0 |
| Subtotal Cash Received | $12,657 | $22,340 | $29,488 |
| Expenditures | |||
| Expenditures from Operations | |||
| Cash Spending | $8,102 | $12,071 | $15,934 |
| Bill Payments | $4,391 | $7,464 | $10,519 |
| Subtotal Spent on Operations | $12,493 | $19,535 | $26,453 |
| Additional Cash Spent | |||
| Sales Tax, VAT, HST/GST Paid Out | $0 | $0 | $0 |
| Principal Repayment of Current Borrowing | $0 | $0 | $0 |
| Other Liabilities Principal Repayment | $0 | $0 | $0 |
| Long-term Liabilities Principal Repayment | $0 | $0 | $0 |
| Purchase Other Current Assets | $0 | $0 | $0 |
| Purchase Long-term Assets | $0 | $0 | $0 |
| Dividends | $0 | $0 | $0 |
| Subtotal Cash Spent | $12,493 | $19,535 | $26,453 |
| Net Cash Flow | $164 | $2,804 | $3,035 |
| Cash Balance | $444 | $3,248 | $6,283 |
7.5 Projected Balance Sheet
This information is presented in the table below.
| Pro Forma Balance Sheet | |||
| Year 1 | Year 2 | Year 3 | |
| Assets | |||
| Cash | $444 | $3,248 | $6,283 |
| Accounts Receivable | $5,633 | $7,435 | $9,815 |
| Other Current Assets | $0 | $0 | $0 |
| Total Current Assets | $6,076 | $10,683 | $16,098 |
| Long-term Assets | $0 | $0 | $0 |
| Total Long-term Assets | $0 | $0 | $0 |
| Total Assets | $6,076 | $10,683 | $16,098 |
| Liabilities and Capital | Year 1 | Year 2 | Year 3 |
| Current Liabilities | |||
| Accounts Payable | $787 | $598 | $888 |
| Current Borrowing | $0 | $0 | $0 |
| Other Current Liabilities | $0 | $0 | $0 |
| Subtotal Current Liabilities | $787 | $598 | $888 |
| Long-term Liabilities | $0 | $0 | $0 |
| Total Liabilities | $787 | $598 | $888 |
| Paid-in Capital | $1,000 | $1,000 | $1,000 |
| Retained Earnings | ($720) | $4,289 | $9,085 |
| Earnings | $5,009 | $4,795 | $5,124 |
| Total Capital | $5,289 | $10,085 | $15,209 |
| Total Liabilities and Capital | $6,076 | $10,683 | $16,098 |
| Net Worth | $5,289 | $10,085 | $15,209 |
7.6 Business Ratios
Business ratios for the years of this plan are shown below. Industry profile ratios based on the Standard Industrial Classification (SIC) code 7379, Computer Related Services NEC, are shown for comparison.
| Ratio Analysis | ||||
| Year 1 | Year 2 | Year 3 | Industry Profile | |
| Sales Growth | 0.00% | 32.00% | 32.00% | 7.20% |
| Percent of Total Assets | ||||
| Accounts Receivable | 92.70% | 69.60% | 60.97% | 21.70% |
| Other Current Assets | 0.00% | 0.00% | 0.00% | 46.70% |
| Total Current Assets | 100.00% | 100.00% | 100.00% | 71.90% |
| Long-term Assets | 0.00% | 0.00% | 0.00% | 28.10% |
| Total Assets | 100.00% | 100.00% | 100.00% | 100.00% |
| Current Liabilities | ||||
| Accounts Payable | 12.95% | 5.60% | 5.52% | 51.40% |
| Long-term Liabilities | 0.00% | 0.00% | 0.00% | 19.10% |
| Total Liabilities | 12.95% | 5.60% | 5.52% | 70.50% |
| Net Worth | 87.05% | 94.40% | 94.48% | 29.50% |
| Percent of Sales | ||||
| Sales | 100.00% | 100.00% | 100.00% | 100.00% |
| Gross Margin | 80.99% | 76.48% | 71.56% | 0.00% |
| Selling, General & Administrative Expenses | 38.70% | 65.72% | 64.96% | 80.70% |
| Advertising Expenses | 0.00% | 0.00% | 0.00% | 1.20% |
| Profit Before Interest and Taxes | 36.69% | 26.48% | 21.56% | 1.70% |
| Main Ratios | ||||
| Current | 7.72 | 17.86 | 18.12 | 1.27 |
|
Sales Forecast: – Home PC Unit Sales: 10, 12, 14, 17, 21, 25, 30, 36, 43, 52, 62, 74 – Small Business Unit Sales: 10, 11, 12, 13, 15, 16, 18, 19, 21, 24, 26, 29 – Other Unit Sales: 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0 – Total Unit Sales: 20, 23, 27, 31, 35, 41, 48, 55, 64, 75, 88, 103 Unit Prices: – Home PC Unit: $30.00 for all months – Small Business Unit: $30.00 for all months – Other: $0.00 for all months Sales: – Home PC Unit Sales: $300, $360, $432, $518, $622, $746, $896, $1,075, $1,290, $1,548, $1,858, $2,229 – Small Business Unit Sales: $300, $330, $363, $399, $439, $483, $531, $585, $643, $707, $778, $856 – Other Unit Sales: $0 for all months – Total Sales: $600, $690, $795, $918, $1,061, $1,230, $1,427, $1,660, $1,933, $2,255, $2,636, $3,085 Personnel Plan: – Owner: $0, $0, $0, $459, $531, $615, $714, $830, $967, $1,128, $1,318, $1,542 – Other: $0 for all months – Total People: 0 for all months – Total Payroll: $0, $0, $0, $459, $531, $615, $714, $830, $967, $1,128, $1,318, $1,542 General Assumptions: – Plan Month: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12 – Current Interest Rate: 10.00% for all months – Long-term Interest Rate: 10.00% for all months – Tax Rate: 30.00%, 25.00%, 25.00%, 25.00%, 25.00%, 25.00%, 25.00%, 25.00%, 25.00%, 25.00%, 25.00%, 25.00% – Other: 0 for all months Pro Forma Profit and Loss: – Sales: $600, $690, $795, $918, $1,061, $1,230, $1,427, $1,660, $1,933, $2,255, $2,636, $3,085 – Direct Cost of Sales: $120, $137, $157, $180, $206, $237, $273, $316, $365, $423, $491, $571 – Other: $0 for all months – Total Cost of Sales: $120, $137, $157, $180, $206, $237, $273, $316, $365, $423, $491, $571 – Gross Margin: $480, $553, $638, $738, $855, $992, $1,154, $1,344, $1,568, $1,832, $2,144, $2,514 – Gross Margin %: 80.00%, 80.14%, 80.29%, 80.43%, 80.57%, 80.71%, 80.85%, 80.98%, 81.12%, 81.24%, 81.37%, 81.48% – Expenses: – Payroll: $0, $0, $0, $459, $531, $615, $714, $830, $967, $1,128, $1,318, $1,542 – Sales and Marketing and Other Expenses: $0 for all months – Depreciation: $0 for all months – Leased Equipment: $0 for all months – Utilities: $0 for all months – Insurance: $0 for all months – Rent: $0 for all months – Payroll Taxes: 0%, $0 for all months – Other: $0 for all months – Total Operating Expenses: $0, $0, $0, $459, $531, $615, $714, $830, $967, $1,128, $1,318, $1,542 – Profit Before Interest and Taxes (EBITDA): $480, $553, $638, $279, $324, $378, $440, $514, $601, $705, $827, $971 – Interest Expense: $0 for all months – Taxes Incurred: $144, $138, $160, $70, $81, $94, $110, $129, $150, $176, $207, $243 – Net Profit: $336, $415, $479, $209, $243, $283, $330, $386, $451, $528, $620, $728 – Net Profit/Sales: 56.00%, 60.11%, 60.22%, 22.82%, 22.93%, 23.04%, 23.14%, 23.24%, 23.34%, 23.43%, 23.52%, 23.61% Pro Forma Cash Flow |
||||
| Pro Forma Cash Flow | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Cash Received | Cash from Operations | Cash Sales | Cash from Receivables | Subtotal Cash from Operations | Additional Cash Received | Sales Tax, VAT, HST/GST Received | New Current Borrowing | New Other Liabilities (interest-free) | New Long-term Liabilities | Sales of Other Current Assets | Sales of Long-term Assets | New Investment Received | Subtotal Cash Received |
| $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| $0 | $20 | $603 | $694 | $799 | $922 | $1,067 | $1,236 | $1,435 | $1,669 | $1,944 | $2,268 | ||
| $0 | $0 | $20 | $603 | $694 | $799 | $922 | $1,067 | $1,236 | $1,435 | $1,669 | $1,944 | $2,268 | |
| $0 | $20 | $603 | $694 | $799 | $922 | $1,067 | $1,236 | $1,435 | $1,669 | $1,944 | $2,268 | ||
Pro Forma Balance Sheet
| Pro Forma Balance Sheet | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Assets | Current Assets | Cash | Accounts Receivable | Other Current Assets | Total Current Assets | Long-term Assets | Long-term Assets | Accumulated Depreciation | Total Long-term Assets | Total Assets | |||
| $280 | $271 | $27 | $353 | $274 | $292 | $310 | $330 | $352 | $374 | $396 | $420 | $444 | |
| $0 | $600 | $1,270 | $1,462 | $1,686 | $1,948 | $2,256 | $2,616 | $3,039 | $3,537 | $4,124 | $4,816 | $5,633 | |
| $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| $280 | $871 | $1,297 | $1,815 | $1,960 | $2,240 | $2,566 | $2,946 | $3,391 | $3,911 | $4,520 | $5,236 | $6,076 | |
| Liabilities and Capital | Current Liabilities | Accounts Payable | Current Borrowing | Other Current Liabilities | Subtotal Current Liabilities | Long-term Liabilities | Long-term Liabilities | Total Liabilities | Total Liabilities and Capital | ||||
| $0 | $255 | $266 | $306 | $241 | $278 | $321 | $371 | $429 | $498 | $579 | $675 | $787 | |
| $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| $0 | $255 | $266 | $306 | $241 | $278 | $321 | $371 | $429 | $498 | $579 | $675 | $787 | |
| Paid-in Capital | Retained Earnings | Earnings | Total Capital | Total Liabilities and Capital | |||||||||
| $1,000 | ($720) | $0 | $280 | $280 | |||||||||
| $1,000 | ($720) | $336 | $616 | $871 | |||||||||
| $1,000 | ($720) | $751 | $1,031 | $1,297 | |||||||||
| $1,000 | ($720) | $1,229 | $1,509 | $1,815 | |||||||||
| $1,000 | ($720) | $1,439 | $1,719 | $1,960 | |||||||||
| $1,000 | ($720) | $1,682 | $1,962 | $2,240 | |||||||||
| $1,000 | ($720) | $1,966 | $2,246 | $2,566 | |||||||||
| $1,000 | ($720) | $2,296 | $2,576 | $2,946 | |||||||||
| $1,000 | ($720) | $2,681 | $2,961 | $3,391 | |||||||||
| $1,000 | ($720) | $3,133 | $3,413 | $3,911 | |||||||||
| $1,000 | ($720) | $3,661 | $3,941 | $4,520 | |||||||||
| $1,000 | ($720) | $4,281 | $4,561 | $5,236 | |||||||||
| $1,000 | ($720) | $5,009 | $5,289 | $6,076 | |||||||||
Business Plan Outline
- Executive Summary
- Company Summary
- Services
- Market Analysis Summary
- Strategy and Implementation Summary
- Management Summary
- Financial Plan
- Appendix
Hello!
I’m Andrew Brooks, a seasoned finance consultant from the USA and the mind behind phonenumber247.com.
My career is built on a foundation of helping individuals and businesses thrive financially in an ever-changing economic landscape. At phonenumber247.com, my aim is to demystify the complex world of finance, providing clear, actionable advice that can help you navigate your financial journey with confidence. Whether it’s personal finance management, investment strategies, or understanding the nuances of market dynamics, I’m here to share insights and tools that can propel you towards your financial goals.
Welcome to my digital space, where every piece of advice is a step closer to financial clarity and success!