The Metolius Agency is an Eugene, Ore. based graphic design and visual communications firm specializing in corporate identity for small to medium-sized companies established for five to 15 years. With a focus on both creative and business skills, Metolius offers a fresh perspective on corporate identity and visual communication. Operating out of a small office in the downtown area, the agency will start with one employee, Kiev Lartiste, who will be hiring an assistant by month seven. By providing well-priced projects, practical designs, and superior customer attention, Metolius aims to grow its customer base and reach profitability by month nine, generating $27,347 in profits by year three.
Contents
1.1 Objectives
The objectives for the first three years include:
- To develop a start-up graphics agency that will become profitable within year two.
- To create a company with the primary goal of exceeding customer expectations.
- To provide valuable services to target customers and offer the owner a flexible, creative, fun, and profitable business opportunity.
1.2 Mission
The mission of The Metolius Agency is to provide customers with creative and practical graphic design work and visual communication services. We exist to attract and maintain customers. When we adhere to this maxim, everything else will fall into place. Our services will exceed customer expectations.
1.3 Keys to Success
The keys to success are:
- Professionalism
- Creativity
- Practical insight
- Enjoyment of the experience
Company Summary
The Metolius Agency is a start-up graphics firm that serves small- to medium-sized companies. The firm will be based in Eugene, Ore. and will operate from a small, downtown office.
2.1 Company Ownership
The Metolius Agency is a sole proprietorship owned and operated by Kiev Lartiste.
2.2 Start-up Summary
The Metolius Agency will incur the following start-up costs:
- Assorted office furniture including two filing cabinets, two work desks, a couch, two chairs for the waiting area, a round table with chairs, and assorted office fixtures.
- Two computers, each with 21″ monitors, graphic tablet, black and white laser printer, inkjet color printer, scanner, CD-RW, and the following software: Illustrator, Freehand, Quark, Photoshop, Font Management Utilities, Traffic Office Manager (a scheduling and billing software), and Microsoft Project.
- Development of the website, including design time by Kiev and implementation by a University of Oregon computer science graduate student.
- A current library of magazines and journals required for the business.
- A DSL connection.
- Assorted office supplies.
- Stationery and brochures.
- Legal fees for business formation, creation of standard client contracts, and other general advice.
Please note that the following items, considered long-term assets, will be depreciated using G.A.A.P. approved straight-line depreciation method.
Start-up Funding
Start-up Expenses to Fund: $1,000
Start-up Assets to Fund: $42,000
Total Funding Required: $43,000
Assets
Non-cash Assets from Start-up: $19,800
Cash Requirements from Start-up: $22,200
Additional Cash Raised: $0
Cash Balance on Starting Date: $22,200
Total Assets: $42,000
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
Kiev: $43,000
Investor 2: $0
Other: $0
Additional Investment Requirement: $0
Total Planned Investment: $43,000
Loss at Start-up (Start-up Expenses): ($1,000)
Total Capital: $42,000
Total Capital and Liabilities: $42,000
Total Funding: $43,000
Start-up Requirements
Start-up Expenses
Legal: $500
Stationery etc.: $250
Brochures: $250
Other: $0
Total Start-up Expenses: $1,000
Start-up Assets
Cash Required: $22,200
Other Current Assets: $0
Long-term Assets: $19,800
Total Assets: $42,000
Total Requirements: $43,000
Services
The Metolius Agency provides graphic design and visual communication services to established, primarily Eugene-based, companies. The services offered include corporate identity, marquees, logos, branding, and packaging.
The pricing of projects is typically estimated as a project-based cost. The cost will be estimated based on the approximate number of hours needed. Generally, Kiev will charge $75 an hour for services.
The majority of services will be provided at The Metolius Agency’s office space, which will be modern, practical, and sleek. This is important because the office of a graphic designer is a piece of their portfolio and reflects their work. Therefore, a decent amount of money will be used to develop a proper appearing business office.
Market Analysis Summary
The Metolius Agency will target small- to medium-sized companies. These companies have started small with a good idea and have grown into larger, more mature companies. They must now decide whether to maintain their current business strategy or reinvigorate the company, employ professional service providers, and move to the next level.
Market Segmentation
The Metolius Agency has two distinct customer groups:
– Small-size companies: typically five to 15 employees
– Medium-size companies: 15 to 40 employees
These companies started with a valuable concept and leveraged their original grassroots visual communication elements. Now that they have matured, they can no longer rely on the original grassroots corporate identity. They need a professional firm like The Metolius Agency to expand their identity and compete at the same level as their competitors.
Market Analysis
Year 1 Year 2 Year 3 Year 4 Year 5 CAGR
Potential Customers Growth
Small companies 8% 234 253 273 295 319 8.05%
Medium companies 7% 145 155 166 178 190 6.99%
Total 7.65% 379 408 439 473 509 7.65%
4.2 Target Market Segment Strategy
The market segments will be targeted in different ways. Graphics firms generate visibility and sales through networking and client referrals. The methods used for the target market segment strategy will be:
– Networking: leveraging personal and professional relationships to find potential customers within target companies.
– Client referral: gaining new customers through referrals from satisfied customers and the Chamber of Commerce.
– Targeted customer acquisition: researching and formulating strategies to attract specific companies as customers by demonstrating the value Metolius can offer them.
4.3 Service Business Analysis
The graphic design industry is diverse, with large advertising agencies, freelance designers, and in-house firms. The trend is moving towards full-service agencies, but The Metolius Agency will focus on their specific skill set.
4.3.1 Competition and Buying Patterns
Competitors include:
– Large advertising agencies: offering a wide range of services.
– Freelance designers: typically one-person operations.
– Kinko’s: providing creative services as a value-added benefit, but not on par with a professional agency.
Strategy and Implementation Summary
The Metolius Agency’s marketing and sales strategy will utilize networking and referrals to develop visibility for the company. Prospective customers will be turned into qualified sales through a professional presentation of Kiev’s portfolio.
The Metolius Agency will rely on three activities in their marketing efforts:
– Networking: leveraging relationships to build more relationships within the local community.
– Client referral: providing outstanding customer attention to encourage long-term relationships and referrals.
– Targeted customer acquisition: identifying ideal customers, offering them value, and networking to connect with decision makers.
5.2 Sales Strategy
The sales strategy will utilize Kiev’s portfolio to qualify sales leads. Kiev will develop customized portfolios for different types of work to showcase his proficiency. In addition, research on prospective companies and their needs will be done to offer tailored solutions.
5.2.1 Sales Forecast
The first month will be used to set up the office. Months two to four will be slow as Kiev develops clients and takes on smaller projects. By month five, larger projects will be undertaken and steady growth will continue.
Sales Forecast:
Year 1 Year 2 Year 3
Sales
Small companies $29,339 $50,697 $58,849
Medium companies $40,058 $74,554 $86,543
Total Sales $69,397 $125,251 $145,392
Direct Cost of Sales:
Year 1 Year 2 Year 3
Small companies $880 $1,521 $1,765
Medium companies $1,202 $2,237 $2,596
Subtotal Direct Cost of Sales $2,082 $3,758 $4,362
5.3 Milestones:
The Metolius Agency will have several milestones early on:
1. Business plan completion
2. Office set up
3. Establishment of the first major account
4. Profitability
Milestones
| Milestones | |||||
| Milestone | Start Date | End Date | Budget | Manager | Department |
| Business plan completion | 1/1/2001 | 2/1/2001 | $0 | ABC | Marketing |
| Office set up | 1/1/2001 | 2/1/2001 | $0 | ABC | Department |
| Establishment of the first major account | 1/1/2001 | 5/15/2001 | $0 | ABC | Department |
| Profitability | 1/1/2001 | 9/31/01 | $0 | ABC | Department |
| Totals | $0 | ||||
5.4 Competitive Edge
The Metolius Agency’s competitive edge is based on Kiev’s diverse background of business and creativity. Most creative agencies are staffed by right-brain creative types, who are extremely aesthetically oriented. While this is an asset in graphic design, it can limit their work’s appeal to non-creative individuals in the business world.
Kiev’s background combines aesthetics and business. He has a creative streak, but his education is business-oriented. This allows The Metolius Agency to offer creative services like other firms while providing a unique business perspective.
Web Plan Summary
The website will disseminate information about the firm, showcase past work, and provide contact information for The Metolius Agency. In today’s world, a website is a standard source of company information.
6.1 Website Marketing Strategy
The marketing strategy for the website includes including the website address in all releases, as well as submitting it to popular websites. Customized submission to search engines is also crucial for maximum effectiveness.
6.2 Development Requirements
A graduate student from the University of Oregon’s computer science department will develop the website’s code. Kiev will handle the creative work. A graduate student is an ideal choice due to their expertise and below-market rate.
Management Summary
Kiev Lartiste received his Bachelor of Arts in graphic design and business administration from the University of Oregon. During his undergraduate degree, Kiev took graduate level business courses that challenged him. This unique combination of skills became apparent to him. While his colleagues in the art department had similar artistic skills, they lacked business sense. Likewise, his business colleagues struggled with creativity.
After graduating, Kiev worked for Wieden & Kennedy in Portland, surrounded by bright, creative people. However, he couldn’t utilize his business skills fully. After three years, Kiev joined a large full-service advertising agency in Eugene. The increased management responsibility inspired him to open his own firm. After market research and creating a business plan, Kiev opened The Metolius Agency.
7.1 Personnel Plan
Kiev will be the sole employee for the first seven months. After, he will hire an assistant to help with design execution and administrative tasks.
| Personnel Plan | |||
| Year 1 | Year 2 | Year 3 | |
| Kiev | $42,000 | $42,000 | $42,000 |
| Assistant | $17,280 | $34,560 | $34,560 |
| Total People | 2 | 2 | 2 |
| Total Payroll | $59,280 | $76,560 | $76,560 |
Financial Plan
The following sections provide important financial information.
8.1 Important Assumptions
The following table details important financial assumptions.
| 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 | 30.00% | 30.00% | 30.00% |
| Other | 0 | 0 | 0 |
8.2 Break-even Analysis
The Break-even Analysis shows that approximately $7,000 in monthly revenue is needed to reach the break-even point.
Break-even Analysis:
Monthly Revenue Break-even: $7,053
Assumptions:
– Average Percent Variable Cost: 3%
– Estimated Monthly Fixed Cost: $6,841
8.3 Projected Profit and Loss:
The table below shows projected profit and loss.
Pro Forma Profit and Loss
| Pro Forma Profit and Loss | |||
| Year 1 | Year 2 | Year 3 | |
| Sales | $69,397 | $125,251 | $145,392 |
| Direct Cost of Sales | $2,082 | $3,758 | $4,362 |
| Other Production Expenses | $0 | $0 | $0 |
| Total Cost of Sales | $2,082 | $3,758 | $4,362 |
| Gross Margin | $67,316 | $121,493 | $141,030 |
| Gross Margin % | 97.00% | 97.00% | 97.00% |
| Expenses | |||
| Payroll | $59,280 | $76,560 | $76,560 |
| Sales and Marketing and Other Expenses | $2,820 | $2,820 | $2,820 |
| Depreciation | $2,400 | $2,400 | $2,400 |
| Website maintenance | $600 | $600 | $600 |
| Insurance | $900 | $900 | $900 |
| Rent | $7,200 | $7,200 | $7,200 |
| Payroll Taxes | $8,892 | $11,484 | $11,484 |
| Other | $0 | $0 | $0 |
| Total Operating Expenses | $82,092 | $101,964 | $101,964 |
| Profit Before Interest and Taxes | ($14,776) | $19,529 | $39,066 |
| EBITDA | ($12,376) | $21,929 | $41,466 |
| Interest Expense | $0 | $0 | $0 |
| Taxes Incurred | $0 | $5,859 | $11,720 |
| Net Profit | ($14,776) | $13,670 | $27,347 |
| Net Profit/Sales | -21.29% | 10.91% | 18.81% |
8.4 Projected Cash Flow
The chart and table below indicate projected cash flow.
Pro Forma Cash Flow
| Cash Flow | |||
| Year 1 | Year 2 | Year 3 | |
| Cash Received | |||
| Cash from Operations | |||
| Cash Sales | $69,397 | $125,251 | $145,392 |
| Subtotal Cash from Operations | $69,397 | $125,251 | $145,392 |
| 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 | $69,397 | $125,251 | $145,392 |
| Expenditures | |||
| Expenditures from Operations | |||
| Cash Spending | $59,280 | $76,560 | $76,560 |
| Bill Payments | $20,322 | $32,111 | $38,554 |
| Subtotal Spent on Operations | $79,602 | $108,671 | $115,114 |
| 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 | $79,602 | $108,671 | $115,114 |
| Net Cash Flow | ($10,205) | $16,580 | $30,278 |
| Cash Balance | $11,995 | $28,575 | $58,853 |
8.5 Projected Balance Sheet
The projected balance sheet is shown below.
| Balance Sheet | |||
| Year 1 | Year 2 | Year 3 | |
| Assets | |||
| Current Assets | |||
| Cash | $11,995 | $28,575 | $58,853 |
| Other Current Assets | $0 | $0 | $0 |
| Total Current Assets | $11,995 | $28,575 | $58,853 |
| Long-term Assets | |||
| Long-term Assets | $19,800 | $19,800 | $19,800 |
| Accumulated Depreciation | $2,400 | $4,800 | $7,200 |
| Total Long-term Assets | $17,400 | $15,000 | $12,600 |
| Total Assets | $29,395 | $43,575 | $71,453 |
| Liabilities and Capital | |||
| Current Liabilities | |||
| Accounts Payable | $2,172 | $2,681 | $3,213 |
| Current Borrowing | $0 | $0 | $0 |
| Other Current Liabilities | $0 | $0 | $0 |
| Subtotal Current Liabilities | $2,172 | $2,681 | $3,213 |
| Long-term Liabilities | $0 | $0 | $0 |
| Total Liabilities | $2,172 | $2,681 | $3,213 |
| Paid-in Capital | $43,000 | $43,000 | $43,000 |
| Retained Earnings | ($1,000) | ($15,776) | ($2,106) |
| Earnings | ($14,776) | $13,670 | $27,347 |
| Total Capital | $27,224 | $40,894 | $68,240 |
| Total Liabilities and Capital | $29,395 | $43,575 | $71,453 |
| Net Worth | $27,224 | $40,894 | $68,240 |
8.6 Business Ratios
The following table compares business ratios with the Standard Industry Code #7336, Graphic Design Services.
| Ratio Analysis | ||||
| Year 1 | Year 2 | Year 3 | Industry Profile | |
| Sales Growth | 0.00% | 80.48% | 16.08% | 9.02% |
| Percent of Total Assets | ||||
| Other Current Assets | 0.00% | 0.00% | 0.00% | 52.57% |
| Total Current Assets | 40.81% | 65.58% | 82.37% | 76.45% |
| Long-term Assets | 59.19% | 34.42% | 17.63% | 23.55% |
| Total Assets | 100.00% | 100.00% | 100.00% | 100.00% |
| Current Liabilities | ||||
| Accounts Payable | 7.39% | 6.15% | 4.50% | 34.45% |
| Long-term Liabilities | 0.00% | 0.00% | 0.00% | 23.62% |
| Total Liabilities | 7.39% | 6.15% | 4.50% | 58.07% |
| Net Worth | 92.61% | 93.85% | 95.50% | 41.93% |
| Percent of Sales | ||||
| Sales | 100.00% | 100.00% | 100.00% | 100.00% |
| Gross Margin | 97.00% | 97.00% | 97.00% | 100.00% |
| Selling, General & Administrative Expenses | 118.29% | 86.09% | 78.19% | 77.05% |
| Advertising Expenses | 1.47% | 0.81% | 0.70% | 1.42% |
| Profit Before Interest and Taxes | -21.29% | 15.59% | 26.87% | 0.83% |
| Main Ratios | ||||
| Current | 5.52 | 10.66 | 18.32 | 1.51 |
| Quick | 5.52 | 10.66 | 18.32 | 1.13 |
| Total Debt to Total Assets | 7.39% | 6.15% | 4.50% | 66.33% |
| Pre-tax Return on Net Worth | -54.28% | 47.76% | 57.25% | 2.06% |
| Pre-tax Return on Assets | -50.27% | 44.82% | 54.67% | 6.12% |
| Additional Ratios | ||||
| Net Profit Margin | -21.29% | 10.91% | 18.81% | n.a |
| Return on Equity | -54.28% | 33.43% | 40.07% | n.a |
| General Assumptions | |||||||||||||
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | ||
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | ||
| 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | |
| 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | 30.00% | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Pro Forma Profit and Loss:
| Pro Forma Profit and Loss | |||||||||||||
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | ||
| Sales | $0 | $600 | $1,500 | $3,360 | $4,496 | $5,672 | $6,945 | $8,005 | $8,790 | $9,312 | $9,724 | $10,994 | |
| Direct Cost of Sales | $0 | $18 | $45 | $101 | $135 | $170 | $208 | $240 | $264 | $279 | $292 | $330 | |
| Other Production Expenses | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Total Cost of Sales | $0 | $18 | $45 | $101 | $135 | $170 | $208 | $240 | $264 | $279 | $292 | $330 | |
| Gross Margin | $0 | $582 | $1,455 | $3,259 | $4,361 | $5,502 | $6,737 | $7,765 | $8,526 | $9,033 | $9,432 | $10,664 | |
| Gross Margin % | 0.00% | 97.00% | 97.00% | 97.00% | 97.00% | 97.00% | 97.00% | 97.00% | 97.00% | 97.00% | 97.00% | 97.00% | |
| Profit Before Interest and Taxes | ($5,185) | ($4,603) | ($3,730) | ($1,926) | ($824) | $317 | ($1,760) | ($732) | $29 | $536 | $935 | $2,167 | |
| EBITDA | ($4,985) | ($4,403) | ($3,530) | ($1,726) | ($624) | $517 | ($1,560) | ($532) | $229 | $736 | $1,135 | $2,367 | |
| Interest Expense | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Taxes Incurred | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Net Profit | ($5,185) | ($4,603) | ($3,730) | ($1,926) | ($824) | $317 | ($1,760) | ($732) | $29 | $536 | $935 | $2,167 | |
| Net Profit/Sales | 0.00% | -767.17% | -248.67% | -57.32% | -18.33% | 5.58% | -25.34% | -9.14% | 0.33% | 5.75% | 9.62% | 19.71% | |
Pro Forma Cash Flow:
| Pro Forma Cash Flow | |||||||||||||
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | ||
| Cash Sales | $0 | $600 | $1,500 | $3,360 | $4,496 | $5,672 | $6,945 | $8,005 | $8,790 | $9,312 | $9,724 | $10,994 | |
| Subtotal Cash from Operations | $0 | $600 | $1,500 | $3,360 | $4,496 | $5,672 | $6,945 | $8,005 | $8,790 | $9,312 | $9,724 | $10,994 | |
| 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 | |||||||||||
| 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 | ||
| Starting Balances | |||||||||||||
| Assets | |||||||||||||
| Cash | $22,200 | $18,651 | $14,265 | $10,761 | $9,089 | $8,498 | $9,049 | $7,943 | $7,442 | $7,693 | $8,444 | $9,592 | $11,995 |
| Other Current Assets | $0 | ||||||||||||
| Total Current Assets | $22,200 | $18,651 | $14,265 | $10,761 | $9,089 | $8,498 | $9,049 | $7,943 | $7,442 | $7,693 | $8,444 | $9,592 | $11,995 |
| Long-term Assets | |||||||||||||
| Long-term Assets | $19,800 | $19,800 | $19,800 | $19,800 | $19,800 | $19,800 | $19,800 | $19,800 | $19,800 | $19,800 | $19,800 | $19,800 | $19,800 |
| Accumulated Depreciation | $0 | $200 | $400 | $600 | $800 | $1,000 | $1,200 | $1,400 | $1,600 | $1,800 | $2,000 | $2,200 | $2,400 |
| Total Long-term Assets | $19,800 | $19,600 | $19,400 | $19,200 | $19,000 | $18,800 | $18,600 | $18,400 | $18,200 | $18,000 | $17,800 | $17,600 | $17,400 |
| Total Assets | $42,000 | $38,251 | $33,665 | $29,961 | $28,089 | $27,298 | $27,649 | $26,343 | $25,642 | $25,693 | $26,244 | $27,192 | $29,395 |
| Liabilities and Capital | |||||||||||||
| Current Liabilities | |||||||||||||
| Accounts Payable | $0 | $1,436 | $1,453 | $1,479 | $1,533 | $1,566 | $1,600 | $2,055 | $2,085 | $2,108 | $2,123 | $2,135 | $2,172 |
| Current Borrowing | $0 | ||||||||||||
| Other Current Liabilities | $0 | ||||||||||||
| Subtotal Current Liabilities | $0 | $1,436 | $1,453 | $1,479 | $1,533 | $1,566 | $1,600 | $2,055 | $2,085 | $2,108 | $2,123 | $2,135 | $2,172 |
| Long-term Liabilities | $0 | ||||||||||||
| Total Liabilities | $0 | $1,436 | $1,453 | $1,479 | $1,533 | $1,566 | $1,600 | $2,055 | $2,085 | $2,108 | $2,123 | $2,135 | $2,172 |
| Paid-in Capital | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 | $43,000 |
| Retained Earnings | ($1,000) | ($1,000) | ($1,000) | ($1,000) | ($1,000) | ($1,000) | ($1,000) | ($1,000) | ($1,000) | ($1,000) | ($1,000) | ($1,000) | ($1,000) |
| Earnings | $0 | ($5,185) | ($9,788) | ($13,518) | ($15,444) | ($16,268) | ($15,951) | ($17,712) | ($18,444) | ($18,415) | ($17,879) | ($16,944) | ($14,776) |
| Total Capital | $42,000 | $36,815 | $32,212 | $28,482 | $26,556 | $25,732 | $26,049 | $24,288 | $23,556 | $23,585 | $24,121 | $25,056 | $27,224 |
| Total Liabilities and Capital | $42,000 | $38,251 | $33,665 | $29,961 | $28,089 | $27,298 | $27,649 | $26,343 | $25,642 | $25,693 | $26,244 | $27,192 | $29,395 |
| Net Worth | $42,000 | $36,815 | $32,212 | $28,482 | $26,556 | $25,732 | $26,049 | $24,288 | $23,556 | $23,585 | $24,121 | $25,056 | $27,224 |
Business Plan Outline
- Executive Summary
- Company Summary
- Services
- Market Analysis Summary
- Strategy and Implementation Summary
- Web Plan 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!