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Plan Outline
Technology Investment Business Plan
Center for Technology and Investment
This sample business plan can be edited directly in Business Plan Pro software.
Appendix
| Funding 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 | ||
| Funding | |||||||||||||
| Additional Fees | 0% | £270 | £310 | £357 | £410 | £472 | £543 | £624 | £718 | £825 | £949 | £1,091 | £1,255 |
| Retainer | 0% | £995 | £1,243 | £1,554 | £1,943 | £2,428 | £3,035 | £3,794 | £4,743 | £5,928 | £7,410 | £9,263 | £11,579 |
| SBA Loan Gaurantees | 0% | £108 | £135 | £168 | £211 | £263 | £329 | £411 | £514 | £643 | £803 | £1,004 | £1,255 |
| SBA Grant 1% | 0% | £162 | £170 | £179 | £188 | £197 | £207 | £217 | £228 | £240 | £252 | £264 | £278 |
| Other Loan and Grant 1% | 0% | £477 | £548 | £631 | £725 | £834 | £959 | £1,103 | £1,268 | £1,459 | £1,677 | £1,929 | £2,218 |
| Books and Resources | 0% | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 |
| Grants and Donations | 0% | £3,978 | £4,773 | £5,728 | £6,873 | £8,248 | £9,898 | £11,877 | £14,252 | £17,103 | £20,524 | £24,628 | £29,554 |
| Other | 0% | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 |
| Total Funding | £6,239 | £7,430 | £8,867 | £10,600 | £12,692 | £15,221 | £18,277 | £21,973 | £26,447 | £31,865 | £38,430 | £46,389 | |
| Direct Cost of Funding | Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | |
| COGS | £135 | £142 | £149 | £156 | £164 | £172 | £181 | £190 | £199 | £209 | £220 | £231 | |
| Other | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | |
| Subtotal Cost of Funding | £135 | £142 | £149 | £156 | £164 | £172 | £181 | £190 | £199 | £209 | £220 | £231 | |
| 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 | ||
| Intern | 0% | £500 | £500 | £500 | £500 | £500 | £500 | £500 | £500 | £500 | £500 | £500 | £500 |
| Bill Franklin | 0% | £5,000 | £5,000 | £5,000 | £5,000 | £5,000 | £5,000 | £5,000 | £5,000 | £5,000 | £5,000 | £5,000 | £5,000 |
| Second Consultant | 0% | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £4,000 | £4,000 | £4,000 |
| Total People | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Total Payroll | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £9,500 | £9,500 | £9,500 | |
| 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 | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | |
| Long-term Interest Rate | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | |
| Tax Rate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Surplus and Deficit | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Funding | £6,239 | £7,430 | £8,867 | £10,600 | £12,692 | £15,221 | £18,277 | £21,973 | £26,447 | £31,865 | £38,430 | £46,389 | |
| Direct Cost | £135 | £142 | £149 | £156 | £164 | £172 | £181 | £190 | £199 | £209 | £220 | £231 | |
| Other Costs of Goods | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | |
| Total Direct Cost | £135 | £142 | £149 | £156 | £164 | £172 | £181 | £190 | £199 | £209 | £220 | £231 | |
| Gross Surplus | £6,104 | £7,289 | £8,718 | £10,444 | £12,529 | £15,049 | £18,096 | £21,784 | £26,248 | £31,656 | £38,210 | £46,158 | |
| Gross Surplus % | 97.84% | 98.10% | 98.32% | 98.53% | 98.71% | 98.87% | 99.01% | 99.14% | 99.25% | 99.34% | 99.43% | 99.50% | |
| Expenses | |||||||||||||
| Payroll | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £9,500 | £9,500 | £9,500 | |
| Sales and Marketing and Other Expenses | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 | £250 | |
| Depreciation | £300 | £300 | £300 | £300 | £300 | £300 | £300 | £300 | £300 | £300 | £300 | £300 | |
| Rent | £800 | £800 | £800 | £800 | £800 | £800 | £800 | £800 | £800 | £800 | £800 | £800 | |
| Utilities | £150 | £150 | £150 | £150 | £150 | £150 | £150 | £150 | £150 | £150 | £150 | £150 | |
| Insurance | £120 | £120 | £120 | £120 | £120 | £120 | £120 | £120 | £120 | £120 | £120 | £120 | |
| Auto Lease/ Fuel | £500 | £500 | £500 | £500 | £500 | £500 | £500 | £500 | £500 | £500 | £500 | £500 | |
| Payroll Taxes | 10% | £550 | £550 | £550 | £550 | £550 | £550 | £550 | £550 | £550 | £950 | £950 | £950 |
| Other | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | |
| Total Operating Expenses | £8,170 | £8,170 | £8,170 | £8,170 | £8,170 | £8,170 | £8,170 | £8,170 | £8,170 | £12,570 | £12,570 | £12,570 | |
| Surplus Before Interest and Taxes | (£2,066) | (£881) | £548 | £2,274 | £4,359 | £6,879 | £9,926 | £13,614 | £18,078 | £19,086 | £25,640 | £33,588 | |
| EBITDA | (£1,766) | (£581) | £848 | £2,574 | £4,659 | £7,179 | £10,226 | £13,914 | £18,378 | £19,386 | £25,940 | £33,888 | |
| Interest Expense | £63 | £83 | £104 | £104 | £104 | £104 | £104 | £83 | £63 | £42 | £21 | £0 | |
| Taxes Incurred | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | |
| Net Surplus | (£2,128) | (£965) | £444 | £2,170 | £4,254 | £6,774 | £9,822 | £13,530 | £18,016 | £19,044 | £25,619 | £33,588 | |
| Net Surplus/Funding | -34.12% | -12.98% | 5.00% | 20.47% | 33.52% | 44.51% | 53.74% | 61.58% | 68.12% | 59.77% | 66.67% | 72.41% | |
| 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 Funding | £3,431 | £4,087 | £4,877 | £5,830 | £6,981 | £8,371 | £10,052 | £12,085 | £14,546 | £17,526 | £21,136 | £25,514 | |
| Cash from Receivables | £0 | £94 | £2,825 | £3,365 | £4,016 | £4,801 | £5,750 | £6,895 | £8,280 | £9,955 | £11,983 | £14,438 | |
| Subtotal Cash from Operations | £3,431 | £4,180 | £7,702 | £9,195 | £10,997 | £13,173 | £15,802 | £18,980 | £22,826 | £27,481 | £33,119 | £39,952 | |
| 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 | £5,000 | £5,000 | £5,000 | £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 | £8,431 | £9,180 | £12,702 | £9,195 | £10,997 | £13,173 | £15,802 | £18,980 | £22,826 | £27,481 | £33,119 | £39,952 | |
| 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 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £5,500 | £9,500 | £9,500 | £9,500 | |
| Bill Payments | £114 | £3,400 | £2,454 | £2,474 | £2,474 | £2,508 | £3,441 | £2,473 | £2,453 | £2,445 | £2,844 | £3,757 | |
| Subtotal Spent on Operations | £5,614 | £8,900 | £7,954 | £7,974 | £7,974 | £8,008 | £8,941 | £7,973 | £7,953 | £11,945 | £12,344 | £13,257 | |
| 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 | £5,000 | £5,000 | £5,000 | £5,000 | £5,000 | |
| Other Liabilities Principal Repayment | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | |
| Long-term Liabilities Principal Repayment | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | |
| Purchase Other Current Assets | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | |
| Purchase Long-term Assets | £0 | £0 | £0 | £0 | £10,000 | £0 | £0 | £0 | £0 | £0 | £0 | £10,000 | |
| Dividends | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | |
| Subtotal Cash Spent | £5,614 | £8,900 | £7,954 | £7,974 | £17,974 | £8,008 | £8,941 | £12,973 | £12,953 | £16,945 | £17,344 | £28,257 | |
| Net Cash Flow | £2,817 | £280 | £4,748 | £1,221 | (£6,977) | £5,165 | £6,861 | £6,007 | £9,873 | £10,536 | £15,775 | £11,695 | |
| Cash Balance | £18,767 | £19,047 | £23,795 | £25,016 | £18,039 | £23,204 | £30,065 | £36,072 | £45,945 | £56,481 | £72,256 | £83,950 | |
| 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 | Starting Balances | ||||||||||||
| Current Assets | |||||||||||||
| Cash | £15,950 | £18,767 | £19,047 | £23,795 | £25,016 | £18,039 | £23,204 | £30,065 | £36,072 | £45,945 | £56,481 | £72,256 | £83,950 |
| Accounts Receivable | £0 | £2,807 | £6,057 | £7,222 | £8,627 | £10,322 | £12,370 | £14,845 | £17,838 | £21,460 | £25,844 | £31,155 | £37,592 |
| Inventory | £0 | £865 | £724 | £575 | £419 | £255 | £1,083 | £902 | £713 | £514 | £305 | £1,085 | £854 |
| Other Current Assets | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 |
| Total Current Assets | £15,950 | £22,440 | £25,828 | £31,592 | £34,062 | £28,616 | £36,657 | £45,812 | £54,623 | £67,918 | £82,629 | £104,495 | £122,396 |
| Long-term Assets | |||||||||||||
| Long-term Assets | £10,000 | £10,000 | £10,000 | £10,000 | £10,000 | £20,000 | £20,000 | £20,000 | £20,000 | £20,000 | £20,000 | £20,000 | £30,000 |
| Accumulated Depreciation | £0 | £300 | £600 | £900 | £1,200 | £1,500 | £1,800 | £2,100 | £2,400 | £2,700 | £3,000 | £3,300 | £3,600 |
| Total Long-term Assets | £10,000 | £9,700 | £9,400 | £9,100 | £8,800 | £18,500 | £18,200 | £17,900 | £17,600 | £17,300 | £17,000 | £16,700 | £26,400 |
| Total Assets | £25,950 | £32,140 | £35,228 | £40,692 | £42,862 | £47,116 | £54,857 | £63,712 | £72,223 | £85,218 | £99,629 | £121,195 | £148,796 |
| Liabilities and Capital | Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | |
| Current Liabilities | |||||||||||||
| Accounts Payable | £0 | £3,318 | £2,372 | £2,392 | £2,392 | £2,392 | £3,358 | £2,392 | £2,372 | £2,351 | £2,718 | £3,664 | £2,678 |
| Current Borrowing | £10,000 | £15,000 | £20,000 | £25,000 | £25,000 | £25,000 | £25,000 | £25,000 | £20,000 | £15,000 | £10,000 | £5,000 | £0 |
| Other Current Liabilities | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 |
| Subtotal Current Liabilities | £10,000 | £18,318 | £22,372 | £27,392 | £27,392 | £27,392 | £28,358 | £27,392 | £22,372 | £17,351 | £12,718 | £8,664 | £2,678 |
| Long-term Liabilities | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 | £0 |
| Total Liabilities | £10,000 | £18,318 | £22,372 | £27,392 | £27,392 | £27,392 | £28,358 | £27,392 | £22,372 | £17,351 | £12,718 | £8,664 | £2,678 |
| Paid-in Capital | £35,000 | £35,000 | £35,000 | £35,000 | £35,000 | £35,000 | £35,000 | £35,000 | £35,000 | £35,000 | £35,000 | £35,000 | £35,000 |
| Accumulated Surplus/Deficit | (£19,050) | (£19,050) | (£19,050) | (£19,050) | (£19,050) | (£19,050) | (£19,050) | (£19,050) | (£19,050) | (£19,050) | (£19,050) | (£19,050) | (£19,050) |
| Surplus/Deficit | £0 | (£2,128) | (£3,093) | (£2,649) | (£480) | £3,774 | £10,549 | £20,371 | £33,901 | £51,917 | £70,961 | £96,581 | £130,169 |
| Total Capital | £15,950 | £13,822 | £12,857 | £13,301 | £15,470 | £19,724 | £26,499 | £36,321 | £49,851 | £67,867 | £86,911 | £112,531 | £146,119 |
| Total Liabilities and Capital | £25,950 | £32,140 | £35,228 | £40,692 | £42,862 | £47,116 | £54,857 | £63,712 | £72,223 | £85,218 | £99,629 | £121,195 | £148,796 |
| Net Worth | £15,950 | £13,822 | £12,857 | £13,301 | £15,470 | £19,724 | £26,499 | £36,321 | £49,851 | £67,867 | £86,911 | £112,531 | £146,119 |