Fiberglass World, Inc. (Fiberglass World) is a startup manufacturing company with patented products that will revolutionize the building industry. Fiberglass World is the exclusive manufacturer in the United States, protected by a licensing agreement with the inventor of the Fiberglass Plate Products, Mr. John Thompson.
Mr. Thompson, the head of Fiberglass World, has forty years of experience in the fiberglass industry and extensive research experience. He has witnessed developments in the aviation, marine, construction, and automotive manufacturing industries. There has been a long-standing need for new product innovation in the construction industry, which prompted him to develop an insulative fiberglass roof tile that can be manufactured in any desired color and is price competitive. He also developed the insulative fiberglass exterior panel using the same technology. Both products have the molded, textured look of stucco.
Fiberglass World manufactures Fiberglass Plate Products, which include insulative fiberglass roof tiles and exterior insulative fiberglass structural wall panels. These products are supported by two United States patents.
Fiberglass World strives to be the leading provider of this breakthrough product through a strict quality-control program, timely deliveries, and competitive pricing.
Fiberglass World has developed insulative fiberglass roof tiles and structural exterior panels.
The company is the exclusive manufacturer in the U.S. and is protected by a licensing agreement with the inventor who owns the company.
The company will control its production line to ensure quality.
Fiberglass World is a start-up manufacturing company with patented products that will revolutionize the building industry. It is the exclusive manufacturer in the U.S. and is protected by a licensing agreement with the inventor, Mr. John Thompson.
The company boasts many features that make it the premier manufacturer of fiberglass materials in the United States, including its locations, the requirements for getting the company up and running, and other basic aspects of the company.
Fiberglass World was founded in Tulsa, Oklahoma in September of 1999 by Mr. John Thompson. It is an Oklahoma C-Corporation, with principal offices located in Tulsa.
The company is seeking first round financing to acquire starting inventory of raw materials, purchase land, construct buildings, hook up utilities, improve the site, and purchase machinery and equipment. It also needs working capital, and funds for legal and accounting costs, as well as miscellaneous start-up expenses. Additional financing will be sought for fourth year, Phase II operations with projected revenue doubling from 2000 to 2002.
Contents
Start-up Requirements
| Legal | $50,000 |
| Building construction/Site improvement | $200,000 |
| Accounting | $20,000 |
| Insurance | $100,000 |
| Rent | $56,000 |
| Research and development | $0 |
| Utility hookup | $1,000 |
| Other | $5,000 |
| Total Start-up Expenses | $432,000 |
Start-up Assets
| Cash Required | $35,000 |
| Start-up Inventory | $80,000 |
| Other Current Assets | $0 |
| Long-term Assets | $300,000 |
| Total Assets | $415,000 |
Total Requirements
| $847,000 |
Start-up Funding
| Start-up Expenses to Fund | $432,000 |
| Start-up Assets to Fund | $415,000 |
| Total Funding Required | $847,000 |
Assets
| Non-cash Assets from Start-up | $380,000 |
| Cash Requirements from Start-up | $35,000 |
| Additional Cash Raised | $0 |
| Cash Balance on Starting Date | $35,000 |
| Total Assets | $415,000 |
Liabilities and Capital
| Liabilities | |
| Current Borrowing | $50,000 |
| Long-term Liabilities | $476,000 |
| Accounts Payable (Outstanding Bills) | $0 |
| Other Current Liabilities (interest-free) | $0 |
| Total Liabilities | $526,000 |
| Capital | |
| Planned Investment | |
| Mr John Thompson | $70,000 |
| Mrs. Kim Thompson | $38,000 |
| Other Investors | $213,000 |
| Additional Investment Requirement | $0 |
| Total Planned Investment | $321,000 |
| Loss at Start-up (Start-up Expenses) | ($432,000) |
| Total Capital | ($111,000) |
| Total Capital and Liabilities | $415,000 |
| Total Funding | $847,000 |
2.3 Company Locations and Facilities
The first operating plant will be located in Tulsa, Oklahoma, chosen for its proximity to road and rail transportation. This area has been designated an Enterprise Zone, providing benefits and incentives for our operation.
Products
Fiberglass World has developed insulative fiberglass roof tiles and structural exterior panels. These products have a textured look of stucco and are fire retardant. Fiberglass Plate, a replacement for existing construction systems, offers lightweight and energy-efficient fiberglass roof tiles and panels. The selling price is competitive with other high-quality building materials.
Fiberglass panels can be manufactured from 1/4" to 3" thick and priced from $3.00 per square foot. Fiberglass Plate roof tiles are priced at $450.00 per square, including finishing pieces. Both products have the textured look of stucco, can be manufactured in any color, meet all construction codes, and offer a finished product with desired features.
3.1 Product Description
Product #1 – Fiberglass Plate insulative roof tile.
- Manufactured in flat or curved style.
- Molded texture color impregnated gel coat used.
- Insulative core material used.
- Weighs approximately 270 lb. per square.
- Any style can be manufactured for qualified projects.
- Multi-color tiles will be available.
- Fire retardant.
Product #2 – Fiberglass Plate insulative panels.
- Enhance the aesthetics of your property.
- Available in any color.
- Manufactured in various sizes for qualified projects.
- Energy efficient.
3.2 Competitive Comparison
Fiberglass World will target the construction industry and seek partnerships with industry leaders. As the sole manufacturer of these fiberglass products, we have a competitive advantage. Past marketing efforts indicate a strong demand for Fiberglass World in this industry.
Market Analysis Summary
The roofing, siding, and installation industry is a large one, with annual sales of approximately $11 million. The construction industry, which we primarily target, has annual sales of $124,953 million. Therefore, there is a significant market for Fiberglass World’s products.
Market Size Statistics
| Estimated number of U.S. establishments | 3,245 |
| Number of people employed in this industry | 35,179 |
| Total annual sales in the industry | $11 million |
| Average employees per establishment | 11 |
| Average sales per establishment | $5.6 million |
4.1 Market Segmentation
The roofing and siding industry is part of the overall construction industry, which includes contractors involved in various housing projects. Fiberglass World’s products will primarily target the single-family housing construction segment, which has the largest sales potential.
Market size statistics – Single-family housing construction
General contractors engaged in the construction of single-family houses.
| Estimated number of U.S. establishments | 218,776 |
| Number of people employed in this industry | 831,158 |
| Total annual sales in this industry | $125 million |
| Average employees per establishment | 4 |
| Average sales per establishment | $0.6 million |
Fiberglass World’s success in the construction industry is expected due to its innovative products and the market demand for energy-efficient and durable building materials.
Market size statistics – Residential construction, nec
General contractors engaged in the construction of residential buildings other than single-family houses.
| Estimated number of U.S. establishments | 25,201 |
| Number of people employed in this industry | 114,523 |
| Total annual sales in this industry | $25 million |
| Average employees per establishment | 5 |
| Average sales per establishment | $1.1 million |
Market size statistics – Nonresidential construction, nec
General contractors engaged in the construction of nonresidential buildings other than industrial buildings and warehouses.
| Estimated number of U.S. establishments | 44,505 |
| Number of people employed in this industry | 540,550 |
| Total annual sales in this industry | $205 million |
| Average employees per establishment | 12 |
| Average sales per establishment | $4.9 million |
Potential Customers Growth Year 1 Year 2 Year 3 Year 4 Year 5 CAGR
Single-family housing construction 4% 218,276 227,007 236,087 245,530 255,351 4.00%
Other residential construction 3% 25,201 25,957 26,736 27,538 28,364 3.00%
Non residential construction 2% 44,505 45,395 46,303 47,229 48,174 2.00%
Total 3.61% 287,982 298,359 309,126 320,297 331,889 3.61%
4.2 Target Market Segment Strategy
The company primarily targets the construction industry, specifically the wholesale distribution of roofing, siding (except wood), and insulation materials. Residential and commercial construction projects are increasing, and we offer a unique and necessary product. Standard materials such as asphalt shingles, organic shingles, fibered cement shingles, metal roofing, clay tiles, concrete tiles, slate tiles, cedar shingles, recycled tile roofing, and solar shingles, vary in cost. Our product, fiberglass insulative architectural roof tiles (Fiberglass Plate), is more expensive but includes insulation, reducing the need for separate insulation products.
Market Analysis by Specialty (8-digit SIC Code)
Note: Not all establishments have a specialty. Sales figures are in millions.
4.3.1 Competition and Buying Patterns
Fiberglass Plate Products will initially be marketed in the Southern region of the United States, utilizing our entire production capability. Our previous marketing efforts have shown a strong demand for our products, which are in the completed development stage and ready for manufacturing.
Strategy and Implementation Summary
The company’s strategy involves continuous improvement through setting objectives, measuring results, and utilizing feedback for further growth. We plan to develop marketing alliances with industry leaders and pursue new sales to residential and commercial builders. Our market strategy includes securing contracts with city, parish, state, and government entities.
5.1 Competitive Edge
Fiberglass Plate installed offers an energy efficient system that will not fail. Fiberglass Plate Products meet the demands of architectural designs and are made with high-quality materials. We offer a variety of design options, including curved Spanish terra cotta and flat roof tile, with insulative core material. The exterior flat panels with a stucco look are available in various sizes.
Outstanding features of Fiberglass Plate include:
– Energy efficiency by conserving heat/cold
– Lightweight and easy installation
– Cost-effectiveness by serving as insulation
– Corrosion-resistant and low maintenance
– 100% waterproof
– Fire retardant
– Stucco appearance
– Can be installed below grade
– Stability comparable to marine manufacturing process
Quality control is critical, and we ensure production meets high standards and specific timelines.
To develop effective business strategies, perform a SWOT analysis. Learn how with our free guide and template.
5.2 Sales Strategy
Our sales program includes:
– Establishing contacts with residential and commercial contractors
– Contacting developers of residential and commercial properties
– Training "company approved" warranty installer contractors
– Implementing special internet advertising
– Advertising locally and nationally
– Participating in national and regional trade shows
– Employing company sales representatives
– Contacting major architectural firms
5.2.1 Sales Forecast
Please refer to the chart and table for our sales forecast.
Sales Forecast
Sales
Roof Tiles
Year 1: $1,728,000
Year 2: $5,184,000
Year 3: $5,184,000
Siding Sheets
Year 1: $4,224,000
Year 2: $8,449,000
Year 3: $8,449,000
Total Sales
Year 1: $5,952,000
Year 2: $13,633,000
Year 3: $13,633,000
Direct Cost of Sales
Year 1: Roof Tiles: $966,177, Siding Sheets: $2,361,765
Year 2: Roof Tiles: $2,966,995, Siding Sheets: $4,835,675
Year 3: Roof Tiles: $2,896,436, Siding Sheets: $4,720,676
Subtotal Direct Cost of Sales
Year 1: $3,327,942
Year 2: $7,802,670
Year 3: $7,617,112
5.3 Strategic Alliances
The company plans to develop marketing alliances with industry leaders and pursue new sales to builders.
5.4 Promotion
Fiberglass World advertises in the yellow pages, newspapers, radio, and billboards throughout the state. Fiberglass World will also gain recognition through promotional mediums:
– Caps and T-shirts.
– Signs.
– Word of mouth.
– Incentives: The company plans to distribute coffee mugs, pens, and other advertising specialties with the company logo to incentivize customers.
The objective of a brochure is to portray Fiberglass World’s goals and products as attractive and functional while showing customers how to use the latest technology in construction and building services.
A fixed amount of sales revenue will go toward the state-wide Fiberglass World advertisement campaign. On an ongoing basis, advertising expenses will be less than ten percent of revenues.
Management Summary
The company’s management is experienced, qualified, and includes seasoned investors. The company aims to hire qualified individuals who take pride in their work. The management philosophy is based on responsibility and mutual respect. Fiberglass World maintains an environment and structure that encourages productivity and respect for customers and employees.
6.1 Personnel Plan
Fiberglass World is responsible to its employees throughout the state. The company respects their dignity and recognizes their merit. Employees are encouraged to have a sense of security and pride in their jobs. Additionally, employees are free to make suggestions and complaints. The company affords equal opportunity for employment, development, and advancement for those qualified.
Personnel Plan
General Manager
Year 1: $60,000
Year 2: $60,000
Year 3: $73,334
Production Manager
Year 1: $60,000
Year 2: $60,000
Year 3: $73,333
Office Manager
Year 1: $60,000
Year 2: $60,000
Year 3: $73,333
Safety Manager
Year 1: $60,000
Year 2: $60,000
Year 3: $60,000
Distribution & Inventory Manager
Year 1: $60,000
Year 2: $60,000
Year 3: $60,000
Sales and Marketing Coordinator
Year 1: $0
Year 2: $40,000
Year 3: $60,000
Product Developer
Year 1: $0
Year 2: $40,000
Year 3: $60,000
Sales Rep
Year 1: $0
Year 2: $0
Year 3: $35,000
Finance & Accounting Analyst
Year 1: $0
Year 2: $0
Year 3: $50,000
Other: $0
Total People: 0
Total Payroll
Year 1: $300,000
Year 2: $380,000
Year 3: $545,000
Funding Requirements and Uses:
The company seeks first-round financing for acquiring starting inventory, purchasing land, building construction, utility hook-up and site improvement, machinery and equipment, working capital, legal and accounting, and miscellaneous start-up expenses. Additional investment or loans will be required for Phase II, set to begin during the fourth year of operation.
7.1 Important Assumptions
The following table outlines important assumptions for Fiberglass World.
General Assumptions
Year 1: Plan Month 1
Year 2: Plan Month 2
Year 3: Plan Month 3
Current Interest Rate: 10.00%
Long-term Interest Rate: 10.00%
Tax Rate: Year 1: 39.17%, Year 2: 40.00%, Year 3: 39.17%
7.2 Break-even Analysis
Break-even Analysis:
Monthly Revenue Break-even: $275,977
Assumptions:
Average Percent Variable Cost: 56%
Estimated Monthly Fixed Cost: $121,670
7.3 Projected Profit and Loss:
The table below shows the year-end profit and loss projections for Fiberglass World. For monthly analysis, please refer to the plan’s appendix.
Pro Forma Profit and Loss
| Pro Forma Profit and Loss | |||
| Year 1 | Year 2 | Year 3 | |
| Sales | $5,952,000 | $13,633,000 | $13,633,000 |
| Direct Cost of Sales | $3,327,942 | $7,802,670 | $7,617,112 |
| Royalties | $0 | $0 | $2,044,800 |
| Total Cost of Sales | $3,327,942 | $7,802,670 | $9,661,912 |
| Gross Margin | $2,624,058 | $5,830,330 | $3,971,088 |
| Gross Margin % | 44.09% | 42.77% | 29.13% |
| Expenses | |||
| Payroll | $300,000 | $380,000 | $545,000 |
| Sales and Marketing and Other Expenses | $857,541 | $1,371,697 | $1,605,710 |
| Depreciation | $55,000 | $55,000 | $55,000 |
| Leased Equipment | $15,000 | $16,500 | $18,150 |
| Utilities | $50,000 | $157,000 | $180,550 |
| Insurance | $109,500 | $257,200 | $422,920 |
| Rent | $28,000 | $35,000 | $36,750 |
| Payroll Taxes | $45,000 | $57,000 | $81,750 |
| Other | $0 | $0 | $0 |
| Total Operating Expenses | $1,460,041 | $2,329,397 | $2,945,830 |
| Profit Before Interest and Taxes | $1,164,017 | $3,500,933 | $1,025,258 |
| EBITDA | $1,219,017 | $3,555,933 | $1,080,258 |
| Interest Expense | $53,413 | $68,990 | $82,250 |
| Taxes Incurred | $431,700 | $1,372,777 | $369,345 |
| Net Profit | $678,904 | $2,059,166 | $573,663 |
| Net Profit/Sales | 11.41% | 15.10% | 4.21% |
7.4 Projected Cash Flow
The cash flow projections for Fiberglass World are outlined in the following table and chart.
Pro Forma Cash Flow
| Year 1 | Year 2 | Year 3 | |
| Cash Received | |||
| Cash from Operations | |||
| Cash Sales | $5,952,000 | $13,633,000 | $13,633,000 |
| Cash from Receivables | $0 | $0 | $0 |
| Subtotal Cash from Operations | $5,952,000 | $13,633,000 | $13,633,000 |
| Additional Cash Received | |||
| Sales Tax, VAT, HST/GST Received | $0 | $0 | $0 |
| New Current Borrowing | $50,000 | $85,000 | $85,000 |
| New Other Liabilities (interest-free) | $0 | $0 | $0 |
| New Long-term Liabilities | $47,600 | $47,600 | $47,600 |
| 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 | $6,049,600 | $13,765,600 | $13,765,600 |
| Expenditures | Year 1 | Year 2 | Year 3 |
| Expenditures from Operations | |||
| Cash Spending | $300,000 | $380,000 | $545,000 |
| Bill Payments | $4,728,411 | $11,048,606 | $12,369,809 |
| Subtotal Spent on Operations | $5,028,411 | $11,428,606 | $12,914,809 |
| 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 | $17,000 | $17,000 | $17,000 |
| Subtotal Cash Spent | $5,045,411 | $11,445,606 | $12,931,809 |
| Net Cash Flow | $1,004,189 | $2,319,994 | $833,791 |
| Cash Balance | $1,039,189 | $3,359,183 | $4,192,973 |
7.5 Projected Balance Sheet
The table below shows our projected balance sheet for three years. Monthly figures for the first year are included in the appendices.
| Pro Forma Balance Sheet | |||
| Year 1 | Year 2 | Year 3 | |
| Assets | |||
| Current Assets | |||
| Cash | $1,039,189 | $3,359,183 | $4,192,973 |
| Accounts Receivable | $0 | $0 | $0 |
| Inventory | $320,314 | $751,007 | $733,147 |
| Other Current Assets | $0 | $0 | $0 |
| Total Current Assets | $1,359,503 | $4,110,190 | $4,926,120 |
| Long-term Assets | |||
| Long-term Assets | $300,000 | $300,000 | $300,000 |
| Accumulated Depreciation | $55,000 | $110,000 | $165,000 |
| Total Long-term Assets | $245,000 | $190,000 | $135,000 |
| Total Assets | $1,604,503 | $4,300,190 | $5,061,120 |
| Liabilities and Capital | Year 1 | Year 2 | Year 3 |
| Current Liabilities | |||
| Accounts Payable | $429,999 | $950,920 | $1,022,587 |
| Current Borrowing | $100,000 | $185,000 | $270,000 |
| Other Current Liabilities | $0 | $0 | $0 |
| Subtotal Current Liabilities | $529,999 | $1,135,920 | $1,292,587 |
| Long-term Liabilities | $523,600 | $571,200 | $618,800 |
| Total Liabilities | $1,053,599 | $1,707,120 | $1,911,387 |
| Paid-in Capital | $321,000 | $321,000 | $321,000 |
| Retained Earnings | ($449,000) | $212,904 | $2,255,070 |
| Earnings | $678,904 | $2,059,166 | $573,663 |
| Total Capital | $550,904 | $2,593,070 | $3,149,733 |
| Total Liabilities and Capital | $1,604,503 | $4,300,190 | $5,061,120 |
| Net Worth | $550,904 | $2,593,070 | $3,149,733 |
7.6 Business Ratios
The following table outlines important ratios from the roofing, siding and insulation industry, as determined by the Standard Industry Classification (SIC) Index #5033, Roofing, Siding, and Insulation.
| Ratio Analysis | ||||
| Year 1 | Year 2 | Year 3 | Industry Profile | |
| Sales Growth | 0.00% | 129.05% | 0.00% | 14.50% |
| Percent of Total Assets |
General Manager: 0%, $5,000 (Months 1-12) Production Manager: 0%, $5,000 (Months 1-12) Office Manager: 0%, $5,000 (Months 1-12) Safety Manager: 0%, $5,000 (Months 1-12) Distribution & Inventory Manager: 0%, $5,000 (Months 1-12) Sales and Marketing Coordinator: 0%, $0 (Months 1-12) Product Developer: 0%, $0 (Months 1-12) Sales Rep: 0%, $0 (Months 1-12) Finance & Accounting Analyst: 0%, $0 (Months 1-12) Other: 0%, $0 (Months 1-12) Total People: 0 (Months 1-12) Total Payroll: $25,000 (Months 1-12) General Assumptions: Plan Month: 1-12 Current Interest Rate: 10.00% (Months 1-12) Long-term Interest Rate: 10.00% (Months 1-12) Tax Rate: 30.00% (Months 1-12) Other: 0 (Months 1-12) Pro Forma Profit and Loss: Sales: $570,400 (Month 1), $595,200 (Month 2), $620,000 (Month 3), $505,609 (Month 4), $457,189 (Month 5), $444,695 (Month 6), $431,304 (Month 7), $425,090 (Month 8), $413,333 (Month 9), $472,380 (Month 10), $496,000 (Month 11), $520,800 (Month 12) Direct Cost of Sales: $318,928 (Month 1), $332,794 (Month 2), $346,661 (Month 3), $282,701 (Month 4), $255,628 (Month 5), $248,642 (Month 6), $241,155 (Month 7), $237,681 (Month 8), $231,107 (Month 9), $264,122 (Month 10), $277,328 (Month 11), $291,195 (Month 12) Royalties: $0 (Months 1-12) Total Cost of Sales: $318,928 (Month 1), $332,794 (Month 2), $346,661 (Month 3), $282,701 (Month 4), $255,628 (Month 5), $248,642 (Month 6), $241,155 (Month 7), $237,681 (Month 8), $231,107 (Month 9), $264,122 (Month 10), $277,328 (Month 11), $291,195 (Month 12) Gross Margin: $251,472 (Month 1), $262,406 (Month 2), $273,339 (Month 3), $222,908 (Month 4), $201,561 (Month 5), $196,053 (Month 6), $190,149 (Month 7), $187,409 (Month 8), $182,226 (Month 9), $208,258 (Month 10), $218,672 (Month 11), $229,605 (Month 12) Gross Margin %: 44.09% (Months 1-12) Expenses: Payroll: $25,000 (Months 1-12) Sales and Marketing and Other Expenses: $71,462 (Months 1-12) Depreciation: $4,583 (Months 1-12) Leased Equipment: $1,250 (Months 1-12) Utilities: $4,167 (Months 1-12) Insurance: $9,125 (Months 1-12) Rent: $2,333 (Months 1-12) Payroll Taxes: 15%, $3,750 (Months 1-12) Other: $0 (Months 1-12) Total Operating Expenses: $121,670 (Months 1-12) Profit Before Interest and Taxes: $129,802 (Month 1), $140,736 (Month 2), $151,669 (Month 3), $101,238 (Month 4), $79,891 (Month 5), $74,383 (Month 6), $68,479 (Month 7), $65,739 (Month 8), $60,556 (Month 9), $86,588 (Month 10), $97,001 (Month 11), $107,935 (Month 12) EBITDA: $134,385 (Month 1), $145,319 (Month 2), $156,253 (Month 3), $105,821 (Month 4), $84,474 (Month 5), $78,966 (Month 6), $73,062 (Month 7), $70,323 (Month 8), $65,139 (Month 9), $91,171 (Month 10), $101,585 (Month 11), $112,518 (Month 12) Interest Expense: $4,383 (Months 1-11), $5,197 (Month 12) Taxes Incurred: $37,626 (Month 1), $54,541 (Month 2), $58,914 (Month 3), $38,742 (Month 4), $30,203 (Month 5), $28,000 (Month 6), $25,638 (Month 7), $24,542 (Month 8), $22,469 (Month 9), $32,882 (Month 10), $37,047 (Month 11), $41,095 (Month 12) Net Profit: $87,793 (Month 1), $81,811 (Month 2), $88,372 (Month 3), $58,113 (Month 4), $45,304 (Month 5), $42,000 (Month 6), $38,457 (Month 7), $36,814 (Month 8), $33,704 (Month 9), $49,323 (Month 10), $55,571 (Month 11), $61,643 (Month 12) Net Profit/Sales: 15.39% (Month 1), 13.75% (Month 2), 14.25% (Month 3), 11.49% (Month 4), 9.91% (Month 5), 9.44% (Month 6), 8.92% (Month 7), 8.66% (Month 8), 8.15% (Month 9), 10.44% (Month 10), 11.20% (Month 11), 11.84% (Month 12) Pro Forma Cash Flow |
|||
| Pro Forma Cash Flow | |||||||||||||
| Month 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | ||
| Cash Received | |||||||||||||
| Cash from Operations | |||||||||||||
| Cash Sales | $570,400 | $595,200 | $620,000 | $505,609 | $457,189 | $444,695 | $431,304 | $425,090 | $413,333 | $472,380 | $496,000 | $520,800 | |
| Cash from Receivables | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Subtotal Cash from Operations | $570,400 | $595,200 | $620,000 | $505,609 | $457,189 | $444,695 | $431,304 | $425,090 | $413,333 | $472,380 | $496,000 | $520,800 | |
| Additional Cash Received | |||||||||||||
| Sales Tax, VAT, HST/GST Received | 0.00% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| New Current Borrowing | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $50,000 | |
| New Other Liabilities (interest-free) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| New Long-term Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $47,600 | |
| Sales of Other Current Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Sales of Long-term Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| New Investment Received | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Subtotal Cash Received | $570,400 | $595,200 | $620,000 | $505,609 | $457,189 | $444,695 | $431,304 | $425,090 | $413,333 | $472,380 | $496,000 | $618,400 | |
| Expenditures | Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | |
| Expenditures from Operations | |||||||||||||
| Cash Spending | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | |
| Bill Payments | $24,128 | $716,351 | $499,666 | $511,640 | $347,723 | $352,951 | $365,081 | $355,022 | $354,469 | $345,714 | $429,643 | $426,022 | |
| Subtotal Spent on Operations | $49,128 | $741,351 | $524,666 | $536,640 | $372,723 | $377,951 | $390,081 | $380,022 | $379,469 | $370,714 | $454,643 | $451,022 | |
| Additional Cash Spent | |||||||||||||
| Sales Tax, VAT, HST/GST Paid Out | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Principal Repayment of Current Borrowing | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Other Liabilities Principal Repayment | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Long-term | |||||||||||||
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!