SBA Business Plan Outline
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You should: (1) Tell how you intend to disperse the loan funds.
(2) Back up your statement with supporting data.
C. PRO FORMA CASH FLOW STATEMENT (Budget)
This document projects what your Business Plan means in terms of dollars. It shows
cash inflow and outflow over a period of time and is used for internal planning. It is of
prime interest to the lender and shows how you intend to repay your loan. Cash flow
statements show both how much and when cash must flow in and out of your business.
D. THREE-YEAR INCOME PROJECTION
A Pro Forma Income Statement showing your projections for your company for the next
three years. Use the revenue and expense totals from the Pro Forma Cash Flow
Statement for the 1
st
year’s figures and project for the next two years according to
expected economic and industry trends.
E. BREAK-EVEN ANALYSIS
The break-even point is the point at which a company's expenses exactly match the
sales or service volume. It can be expressed in: (1) Total dollars or revenue exactly offset
by total expenses or (2) Total units of production (cost of which exactly equals the
income derived by their sales). This analysis can be done either mathematically or
graphically. Revenue and expense figures are drawn from the three-year income
projection.
NOTE: The following (F, G, H) are Actual Performance Statements. They reflect the activity of your
business in the past. If your business is new and has not yet begun operations, the financial section will
end here and you will add a Personal Financial History. If yours is an established business, you will
include the following actual performance statem ents:
F. BALANCE SHEET
Shows the condition of the business as of a fixed date. It is a picture of your firm's
financial condition at a particular moment and will show you whether your financial
position is strong or weak. It is usually done at the close of an accounting period.
Contains: (1) Assets, (2) Liabilities and (3) Net Worth. You may also be required to
supply your lender with a Projected Balance Sheet if you are a new business.
G. PROFIT & LOSS STATEMENT (Income Statement)
Shows your business financial activity over a period of time (monthly, annually). It is a
moving picture showing what has happened in your business and is an excellent tool for
assessing your business. Your ledger is closed and balanced and the revenue and
expense totals transferred to this statement.
H. FINANCIAL STATEMENT ANALYSIS
In this section you will use your Income statements and balance sheets to develop a
study of relationships and comparisons of: (1) Items in a single year's financial statement,
(2) comparative financial statements for a period of time, or (3) your statements with
those of other businesses. Measures are expressed as ratios or percentages that can be
used to compare your business with industry standards.
I. BUSINESS FINANCIAL HlSTORY
This is a summary of financial information about your company from its start to the
present The Business Financial History and Loan Application are frequently one and the
same. If you have completed the rest of the financial section, you should have all of the
information you need to transfer to this document.
VII. PART IV - SUPPORTING DOCUMENTS
This section of your plan will contain all of the records that back up the statements and decisions
made in the three main parts of your business plan. The most common supporting documents are:
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