Arrow Mail is a personalized direct mail business for financial services companies focusing on small businesses. What sets Arrow Mail apart from other target marketing companies is its commitment to quality, service, creativity, and knowledge.
In terms of quality, Arrow Mail ensures that its mailing file is clean and the address block is pristine. The company creates personalized pieces that look like personal correspondence, using high-resolution laser printers.
When it comes to service, Arrow Mail goes above and beyond by becoming an extension of its customers’ staff. The company provides superior customer service and attention to detail, ensuring that mailings go out correctly and on time.
Creativity is another key aspect of Arrow Mail’s approach. The company can design custom direct mail plans that fit customers’ tastes and budget, or modify its proven programs to meet specific needs. All designs and copy are customized to customer satisfaction.
What sets Arrow Mail apart from conventional printers and lettershops is its knowledge and expertise as a direct marketing agency. With over 20 years of experience, the company has valuable insights into prospect selection, database analysis, creative techniques, and financial industry customer files, products, and services.
Arrow Mail operates from a 5,000 sq. ft. building in Monroe, Oregon, located 22 miles northeast of Portland.
Todd Graham, the owner of Arrow Mail, is a recognized expert in the field. He has authored articles on direct mail that have been featured in industry trade publications. With over 20 years of experience, Todd has played a pivotal role in companies like Johnson Communication, Reilly Marketing, and Triumph Direct Mail.
In conclusion, Arrow Mail stands out in the direct mail business with its focus on quality, service, creativity, and knowledge. Todd Graham’s expertise and experience further add to the company’s reputation as a leader in the field.
Arrow Mail’s mission is to provide successful direct mail strategies for financial services companies that resonate with small businesses. The objectives of Arrow Mail are to acquire 50 customers by the end of the first year, achieve sales in excess of $260,000, increase the customer base by 25% by the end of the second year, and increase sales by 15% by the end of the second year.
Arrow Mail is a personalized direct mail business for financial services companies that focus on small businesses. The company office and production facility is a 5,000 sq. ft. building in Monroe, Oregon. Over the past twenty years, competition in the financial services industry has intensified, with a wide range of services and companies available. Arrow Mail has developed successful strategies to reach target market groups, especially in equipment loans and motor vehicle lease programs.
Arrow Mail is owned by Todd Graham and a silent partner, operating as a Limited Partnership. The start-up expense primarily focuses on production and assembly setup, with Todd investing $80,000 and the silent partner investing $125,000. Additionally, Todd secures a $125,000 long-term loan to cover start-up costs, including computers, laser printers, scanners, and mailing equipment.
Start-up
Requirements
Start-up Expenses
Legal – $1,000
Stationery etc. – $400
Brochures – $8,000
Insurance – $1,000
Rent – $3,000
Setup – $20,000
Expensed Equipment – $140,000
Total Start-up Expenses – $173,400
Start-up Assets
Cash Required – $152,600
Start-up Inventory – $4,000
Other Current Assets – $0
Long-term Assets – $0
Total Assets – $156,600
Total Requirements – $330,000
Start-up Funding
Start-up Expenses to Fund – $173,400
Start-up Assets to Fund – $156,600
Total Funding Required – $330,000
Assets
Non-cash Assets from Start-up – $4,000
Cash Requirements from Start-up – $152,600
Additional Cash Raised – $0
Cash Balance on Starting Date – $152,600
Total Assets – $156,600
Liabilities and Capital
Liabilities
Current Borrowing – $0
Long-term Liabilities – $125,000
Accounts Payable (Outstanding Bills) – $0
Other Current Liabilities (interest-free) – $0
Total Liabilities – $125,000
Capital
Planned Investment
Todd Graham – $80,000
Silent Partner – $125,000
Additional Investment Requirement – $0
Total Planned Investment – $205,000
Loss at Start-up (Start-up Expenses) – ($173,400)
Total Capital – $31,600
Total Capital and Liabilities – $156,600
Total Funding – $330,000
Company Locations and Facilities
The company office and production facility is a 3,000 sq. ft. building in Monroe, Oregon (22 miles northeast of Portland).
This site was chosen for the following reasons:
– Low production overhead.
– Facility is located two miles from the FedEx and US Mail regional processing centers.
Services
Arrow Mail services are as follows:
Marketing Campaign Development
– Develop exceptional creative themes to compel the recipient to read the copy.
– Demonstrate the prime consumer benefits and relate them to the creative concepts.
– Write clear, concise, and interesting lettercopy and response vehicle to achieve desired action.
– Design and develop collateral material.
Database Analysis & Management
– Analyze customer base to demonstrate product breakdown.
– Use modeling techniques to identify customers with a propensity to buy other products.
– Generate reports to analyze marketing information.
Market Analysis & Prospect List Selection
– Review the client’s positioning, product offer, and market area.
– Determine the best audience for the product based on demographics.
– Produce maps to assist in targeting specific geographic areas.
– Develop the best marketing approach and mailing package to fit the product and audience.
– Research and recommend appropriate prospect mailing lists including demographic & geographic selections.
– Obtain virtually any mailing list available in the country.
Mailing List Hygiene & Preparation
– Enhance name/address data to achieve the highest quality address block possible.
– Merge/purge different mailing lists to reduce current customers and/or duplicates.
– Process mailing file with CASS certified pre-sorting software to increase deliverability and achieve the lowest postage rate (3 & 5 digit sort, BMC, SCF).
– Develop/modify programs to create complex variables (old/new account, potential borrowing power, etc.).
Offset Printing
– Typeset, layout and produce mechanicals for custom projects or existing stationery.
– Manage production of all stationery, postcards and/or collateral material needed for mailing.
Laser Personalization
– Produce high-quality, personalized letters/envelopes on laser equipment in resolutions up to 600 dpi.
– Incorporate variable text, data, and signatures as appropriate.
Market Analysis Summary
Over the past 20 years, the competition in the financial services industries has intensified. Currently, there are numerous financial products/services being offered by the financial community to a wide range of business customers.
Finance companies are an important source of funds for small businesses (less than 500 employees). The area where funds are sought is in leasing of motor vehicles and purchasing equipment. Arrow Mail notes these trends and has created unique strategies in marketing both equipment loans and motor vehicle lease programs to small businesses.
Market Segmentation
Arrow Mail will focus on two customer groups:
– Top 20 financial firms;
– 2nd tier financial firms.
Market Analysis
Contents
4.2 Target Market Segment Strategy
Finance companies provide loans and leases to consumers, as well as short- and intermediate-term loans and leases to business firms.
This segment of the industry sector is concentrated, with the 20 largest firms accounting for more than two-thirds of total industry receivables. There was essentially no change in concentration in the finance industry from 1996-2001.
Over the five years, the total assets of the 20 largest firms grew from $524.9 billion to $770.3 billion. Their share of total industry assets fell slightly, from 70.1% to 68.8%. An additional 1,200 2nd Tier firms have captured the remaining 31% of the market.
The receivables of finance companies grew by almost 50% over the past five years. In mid-2000, about 45% of the industry’s portfolio comprised business loans.
4.3 Service Business Analysis
Finance companies are a significant source of funds for small businesses, firms with less than 500 employees. Of the loans and leases to business firms in mid-2000, 57% were for business equipment other than motor vehicles.
At mid-2000, 21% of finance companies’ portfolios were invested in motor vehicle loans and leases, down from 26% five years earlier. The past five years marked a major shift by business firms towards the leasing of motor vehicles. Finance companies’ portfolios of business leases of motor vehicles grew at an annual rate of 23.6%.
Arrow Mail notes these trends and has created unique strategies in marketing both equipment loans and motor vehicle lease programs to small businesses. Arrow Mail will sell services to 2nd Tier Firms.
4.4 Competition and Buying Patterns
The competition between direct marketing firms is intense, yet many of these firms are not focused on marketing financial loan and leasing products to small businesses.
Traditionally, firms build a track record with specific products for a specific target customer group. Financial services are still an emerging product line for direct marketing firms, so there is no clear leader in the field.
The buying pattern for financial firms is similar to the selection process in a marketing campaign. Direct marketing firms present proposals, and the company selects the proposal that best fits their budget and overall marketing strategy. The duration of the marketing campaign is one to three years.
Building company loyalty is crucial in winning market share. Companies will stay with a company that has proven to be a valued partner.
Strategy and Implementation Summary
Arrow Mail’s owner, Todd Graham, has over 20 years of experience in the financial services field and extensive contacts throughout the country. He will lead the company’s sales campaign. Todd Graham will present the firm’s campaign proposals and follow up with potential customers.
5.1 Marketing Strategy
Arrow Mail will create a direct marketing campaign that fits within a client’s budget range and effectively targets the firm’s potential customers. Arrow Mail employs a matrix of direct marketing strategies that the customer can tailor to fit their desired brand imaging and product positioning, as well as focusing on specific customer characteristics.
To develop good business strategies, perform a SWOT analysis of your business. It’s easy with our free guide and template. Learn how to perform a SWOT analysis.
5.2 Competitive Edge
The competitive advantage of Arrow Mail is experience. We offer our customers time-tested strategies that have been successful in the market over the past 20 years. There have been many winners and losers in the growth of financial services. Todd Graham has a superior track record of satisfied customers.
5.3 Sales Forecast
Arrow Mail anticipates that sales will be slow for the first and second month of operation as the focus will be on presentations to firms. After that point, sales will increase.
The following is the sales forecast for three years.
Sales Forecast
Sales Year 1 Year 2 Year 3
Marketing Campaigns $209,000 $242,000 $280,000
Market Analysis $130,000 $150,000 $170,000
Database Analysis $106,000 $135,000 $166,000
Mailing Production $93,000 $140,000 $195,000
Other $0 $0 $0
Total Sales $538,000 $667,000 $811,000
Direct Cost of Sales
Marketing Campaigns $0 $0 $0
Market Analysis $0 $26,000 $32,000
Database Analysis $0 $0 $0
Mailing Production $20,450 $33,000 $44,000
Other $0 $0 $0
Subtotal Direct Cost of Sales $20,450 $59,000 $76,000
5.4 Milestones
The accompanying table lists important program milestones, with dates, managers in charge, and budgets. The milestone schedule emphasizes planning for implementation.
The table doesn’t show the commitment behind it. Our business plan includes provisions for plan-vs.-actual analysis, and we will hold monthly follow-up meetings to discuss variance and course corrections.
Milestones:
| Milestones | |||||
| Milestone | Start Date | End Date | Budget | Manager | Department |
| Office Set-up | 4/1/2002 | 4/27/2002 | $20,000 | Office Mgr | Marketing |
| Production Set-up | 4/1/2002 | 4/27/2002 | $120,000 | Production Mgr | Department |
| Marketing Program | 2/1/2002 | 4/1/2002 | $20,000 | Todd Graham | Web |
| Totals | $160,000 | ||||
Personnel Plan:
Arrow Mail’s owner, Todd Graham, has authored articles on direct mail that have appeared in industry trade publications. He has over 20 years of experience in the field. Working with Johnson Communication 20 years ago, Todd played a pivotal role in the company’s response to the deregulation of the banking industry, introducing new products that lent themselves well to target marketing. Since then, Todd has built his expertise as an account manager with Reilly Marketing and Triumph Direct Mail.
Arrow Mail personnel will be as follows:
– Todd Graham, creative/sales director
– Creative team (2)
– Production manager
– Production team (3)
– Sales team (2)
– Office manager
| Personnel Plan | |||
| Year 1 | Year 2 | Year 3 | |
| Todd Graham | $36,000 | $40,000 | $44,000 |
| Sales Team (2) | $72,000 | $78,000 | $84,000 |
| Creative Team (2) | $96,000 | $100,000 | $108,000 |
| Production Manager | $36,000 | $40,000 | $44,000 |
| Production Team (3) | $64,800 | $95,000 | $104,000 |
| Office Manager | $33,600 | $35,000 | $37,000 |
| Creative Director | $0 | $0 | $60,000 |
| Other | $0 | $0 | $0 |
| Total People | 10 | 12 | 12 |
| Total Payroll | $338,400 | $388,000 | $481,000 |
Financial Plan:
The financial plan for Arrow Mail is as follows:
Break-even Analysis:
The monthly break-even point is approximately $38,400.
Break-even Analysis
Monthly Revenue Break-even: $38,493
Assumptions:
– Average Percent Variable Cost: 4%
– Estimated Monthly Fixed Cost: $37,030
7.2 Projected Profit and Loss
The table and chart below illustrate the projected profit and loss for three years.
Pro Forma Profit and Loss
| Pro Forma Profit and Loss | |||
| Year 1 | Year 2 | Year 3 | |
| Sales | $538,000 | $667,000 | $811,000 |
| Direct Cost of Sales | $20,450 | $59,000 | $76,000 |
| Other Production Expenses | $0 | $0 | $0 |
| Total Cost of Sales | $20,450 | $59,000 | $76,000 |
| Gross Margin | $517,550 | $608,000 | $735,000 |
| Gross Margin % | 96.20% | 91.15% | 90.63% |
| Expenses | |||
| Payroll | $338,400 | $388,000 | $481,000 |
| Sales and Marketing and Other Expenses | $12,000 | $8,000 | $10,000 |
| Depreciation | $0 | $0 | $0 |
| Leased Equipment | $0 | $0 | $0 |
| Utilities | $7,200 | $3,300 | $3,300 |
| Insurance | $0 | $0 | $0 |
| Rent | $36,000 | $18,000 | $18,000 |
| Payroll Taxes | $50,760 | $58,200 | $72,150 |
| Other | $0 | $0 | $0 |
| Total Operating Expenses | $444,360 | $475,500 | $584,450 |
| Profit Before Interest and Taxes | $73,190 | $132,500 | $150,550 |
| EBITDA | $73,190 | $132,500 | $150,550 |
| Interest Expense | $11,460 | $9,620 | $7,700 |
| Taxes Incurred | $18,519 | $36,864 | $42,855 |
| Net Profit | $43,211 | $86,016 | $99,995 |
| Net Profit/Sales | 8.03% | 12.90% | 12.33% |
Projected Cash Flow
7.3 Projected Cash Flow
The table and chart showcase the projected cash flow for three years.
Table: Pro Forma Cash Flow
Year 1 Year 2 Year 3
Cash Received
Cash from Operations
Cash Sales
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
Expenditures
Year 1 Year 2 Year 3
Expenditures from Operations
Cash Spending
Bill Payments
Subtotal Spent on Operations
Additional Cash Spent
Sales Tax, VAT, HST/GST Paid Out
Principal Repayment of Current Borrowing
Other Liabilities Principal Repayment
Long-term Liabilities Principal Repayment
Purchase Other Current Assets
Purchase Long-term Assets
Dividends
Subtotal Cash Spent
Net Cash Flow
Cash Balance
Table: Pro Forma Balance Sheet
Year 1 Year 2 Year 3
Assets
Current Assets
Cash
Inventory
Other Current Assets
Total Current Assets
Long-term Assets
Long-term Assets
Accumulated Depreciation
Total Long-term Assets
Total Assets
Liabilities and Capital
Year 1 Year 2 Year 3
Current Liabilities
Accounts Payable
Current Borrowing
Other Current Liabilities
Subtotal Current Liabilities
Long-term Liabilities
Total Liabilities
Paid-in Capital
Retained Earnings
Earnings
Total Capital
Total Liabilities and Capital
Net Worth
Table: Business Ratios
Year 1 Year 2 Year 3 Industry Profile
Ratio Analysis
Sales Growth
Percent of Total Assets
Inventory
Other Current Assets
Total Current Assets
Long-term Assets
Total Long-term Assets
Total Assets
Current Liabilities
Long-term Liabilities
Total Liabilities
Net Worth
Percent of Sales
Sales
Gross Margin
Selling, General & Administrative Expenses
Advertising Expenses
Profit Before Interest and Taxes
Main Ratios
Current
Quick
Total Debt to Total Assets
Pre-tax Return on Net Worth
Pre-tax Return on Assets
Additional Ratios
Net Profit Margin
Return on Equity
Activity Ratios
Inventory Turnover
Accounts Payable Turnover
Payment Days
Total Asset Turnover
Debt Ratios
Debt to Net Worth
Current Liab. to Liab.
Liquidity Ratios
Net Working Capital
Interest Coverage
Additional Ratios
Assets to Sales
Current Debt/Total Assets
Acid Test
Sales/Net Worth
Dividend Payout
Appendix
Table: Sales Forecast
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Sales
Marketing Campaigns
Market Analysis
Database Analysis
Mailing Production
Other
Total Sales
Direct Cost of Sales
Marketing Campaigns
Market Analysis
Database Analysis
Mailing Production
Other
Subtotal Direct Cost of Sales
| Personnel Plan | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Todd Graham | 0% | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 |
| Sales Team (2) | 0% | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 |
| Creative Team (2) | 0% | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 | $8,000 |
| Production Manager | 0% | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 |
| Production Team (3) | 0% | $5,400 | $5,400 | $5,400 | $5,400 | $5,400 | $5,400 | $5,400 | $5,400 | $5,400 | $5,400 | $5,400 | $5,400 |
| Office Manager | 0% | $2,800 | $2,800 | $2,800 | $2,800 | $2,800 | $2,800 | $2,800 | $2,800 | $2,800 | $2,800 | $2,800 | $2,800 |
| Creative Director | 0% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0% | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total People | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | |
| Total Payroll | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | |
| General Assumptions | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Plan Month | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | |
| Current Interest Rate | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | |
| Long-term Interest Rate | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | |
| Tax Rate | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | |
| Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Pro Forma Profit and Loss | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Sales | $0 | $0 | $23,000 | $30,000 | $39,000 | $46,000 | $54,000 | $63,000 | $59,000 | $68,000 | $73,000 | $83,000 | |
| Direct Cost of Sales | $0 | $0 | $1,000 | $1,500 | $1,750 | $2,000 | $2,400 | $2,400 | $2,000 | $2,200 | $2,400 | $2,800 | |
| Other Production Expenses | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Total Cost of Sales | $0 | $0 | $1,000 | $1,500 | $1,750 | $2,000 | $2,400 | $2,400 | $2,000 | $2,200 | $2,400 | $2,800 | |
| Gross Margin | $0 | $0 | $22,000 | $28,500 | $37,250 | $44,000 | $51,600 | $60,600 | $57,000 | $65,800 | $70,600 | $80,200 | |
| Gross Margin % | 0.00% | 0.00% | 95.65% | 95.00% | 95.51% | 95.65% | 95.56% | ||||||
| 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 | $0 | $0 | $23,000 | $30,000 | $39,000 | $46,000 | $54,000 | $63,000 | $59,000 | $68,000 | $73,000 | $83,000 | |
| Subtotal Cash from Operations | $0 | $0 | $23,000 | $30,000 | $39,000 | $46,000 | $54,000 | $63,000 | $59,000 | $68,000 | $73,000 | $83,000 | |
| Additional Cash Received | |||||||||||||
| Sales Tax, VAT, HST/GST Received | 0.00% | $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 | $0 | |
| 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 | $0 | |
| 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 | $0 | $0 | $23,000 | $30,000 | $39,000 | $46,000 | $54,000 | $63,000 | $59,000 | $68,000 | $73,000 | $83,000 | |
| Expenditures | |||||||||||||
| Expenditures from Operations | |||||||||||||
| Cash Spending | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | $28,200 | |
| Bill Payments | ($1,559) | ($3,076) | ($1,349) | $5,120 | $8,056 | $10,857 | $13,964 | $16,780 | $18,891 | $17,143 | $20,571 | $22,264 | |
| Subtotal Spent on Operations | $26,641 | $25,124 | $26,851 | $33,320 | $36,256 | $39,057 | $42,164 | $44,980 | $47,091 | $45,343 | $48,771 | $50,464 | |
| 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 Liabilities Principal Repayment | $1,600 | $1,600 | $1,600 | $1,600 | $1,600 | $1,600 | $1,600 | $1,600 | $1,600 | $1,600 | $1,600 | $1,600 | |
| Purchase Other Current Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Purchase Long-term Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Dividends | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Subtotal Cash Spent | $28,241 | $26,724 | $28,451 | $34,920 | $37,856 | $40,657 | $43,764 | $46,580 | $48,691 | $46,943 | $50,371 | $52,064 | |
| Net Cash Flow | ($28,241) | ($26,724) | ($5,451) | ($4,920) | $1,144 | $5,343 | $10,236 | $16,420 | $10,309 | $21,057 | $22,629 | $30,936 | |
| Cash Balance | $124,359 | $97,635 | $92,184 | $87,263 | $88,408 | $93,750 | $103,987 | $120,407 | $130,716 | $151,773 | $174,402 | $205,338 | |
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 | |||||||||||||
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