Table of Contents
Page 2
Pored nadzora I kontrole, nasa kompanija Vam obezbedjuje 24-satnu tehnicku podrsku u slucaju da
imate bilo kakvih problema sa uredjajima. Na websajtu cete naci cesto postavljana pitanja kao I
besplatni pozivni broj I email.
vizija
Page 1
Naa vizija je hitna i efikasna pomo za siguran i nezavistan ivot starijih i nemonih osoba bez
obzira na godine zivota i uzrok nemoi u vlastitom okruenju, a u duhu prijateljskih i dobrih
roditeljskih odnosa.
Kompaija Cuvari Zivota je kompanija za pruzanje usluga nadzora potencijalnih nepredvidivih
dogadjaja koja spasava zivote od katastrofalnih posledica, koristeci jedinstvenu tehnologiju da
obezbedi vrhunsku zastitu I nadzor zvuka Vaseg doma.
Cuvari Zdravlja Vam obezbedjuju inovativne,I lake za upotrebu proizvode, koji Vam pomazu da
zastitite I cuvate sve one koje volite. Nasa zastita pomaze ljdima da zive kod kuce sa nezavisnoscu I
komforom , ziveci svoje zivote na nacin koji zele, sa osecanjem bezbednosti I slobode uma.
Cuvari zdravlja su jedina kompanija koja Vam nudi 24 casovni nadzor I detekciju pada I to radimo
besplatno kao deo standardnog paketa.Cak I da niste u mogucnosti da pritisnete dugme za hitnu
pomoc, mozete biti sigurni da Vam je pomoc vec na putu!
Ovi proizvodi su kreirani da sluze I cuvaju starije osobe koji preferiraju da zadrze nezavisnost I
slobodu, ali zele dodatni nivo sigurnosti u slucaju nuzde ili zivotne opasnosti! Sa pritiskom na
dugme za pomoc, dobijate odmah pomoc uzivo kada god I gde god Vam je potrebna.
Sa nasim sistemom za nadzor potencijalnih zivotnih opasnosti ste uvek povezani sa nasim call
centrum koji ce Vam odmah obezbediti potrebnu pomoc 24/7 dana. Ono sto je jedinstveno je
automatski detector za pad koji detektuje Vas pad I automatski zove call center za pomoc.
Nas tim za odziv u slucaju neophodne pomoci Vam je na usluzi 24/7
Pomocu naseg Sistema, povezani ste na pomoc 24 sata dnevno, 7 dana u nedelji, 365 dana u
godini.Nasi operateri za nadzor Vaseg zdravlja servisiraju celu Srbiju, I nude pomoc, podsecaju Vas
na obaveze ili su tu kako bi Vam pravili drustvo. Nasi operateri su prosli pouzdan trening proces za
pruznje hitne pomoci.Oni procenjuju trenutnu situaciju u kojoj se klijent nalazi, I odlucuju da li da
posalju biolnicko osoblje ili jednostavno komsiju, clana Vase porodice ili prijatelja.Kakvu god imate
potrebu, nasi operateri ce Vam pruziti neophodnu licnu paznju kada Vam je najpotrebnija.
Mi smo uinili svoj korak prema Vama...Vi se moete ulaniti!
Kompanija
Cuvari zdravlja ce biti drustvo za ogranicenom odgovornoscu registrovano kod agencije za
privredne register kao KOMPANIJA ZA PRUANJE USLUGA LJUDIMA KOJI IVE SAMI
TELEASISTENT DOO BEOGRAD (STARI GRAD), 9609-Ostale nepomenute line uslune delatnosti.
Osnivac je Aleksandar Vejnovic, diplomirani inzenjer organizacionih nauka na smeru
Menadzment. A.Vejnovic je doneo dragoceno iskustvo u kompaniju radeci na menadzerskim I
rukovodecim funkcijama u velikim kompanijama.
Kompanija zaposljava 10 ljudi u Beogradu.Ima ogranicen broj privatnih investitora. Glavna
kancelarija kompanije je u Beogradu.Kompanija ocekuje da pocne sa ponudom paketa
01.januara 2015.
Page 2
Usluge
U savrsenom svetu, niko nikada ne bi trebao da se suoci sa situacijama u kojima mu je zivot
ugorzen.Medjutim, nesrece se desavaju. U vecini katastrofalnih hitnih slucajeva, zrtve nisu
unutar dometa telefona, I tako postaju potpuno bespomocne. Mozda Vam system nece biti
potreban sada, ali nikada ne znate sto moze da se dogodi.Nas system Vam sluzi kao podrska.
Pruza Vama, Vasoj porodici I prijateljima sigurnost
Korisnici naseg Sistema su zasticeni od takvih kobnih siyuacija.Nas servis postaje njihova veza
ka spoljnom svetu I potencijalnoj medicinskoj pomoci. Sto su nadlezni organi brze
obavesteni,lakse je minimizirati rizik od trajnih ostecenja, invalidnosti ili cak smrti. Kompanija
Cuvari zdravlja pruza vitalnu zastitu 24/7 u slucaju bilo koje hitne pomoci, ukljucujuci srcani
napade, mozdane udare ili padove.
TRZISTE
Prema podacima RZS dosli smo do sledecih informacija:
Finansijsko razmatranje
Pocetni Start-up neophodnih sredstava prikazani su u tabelama koje zaokruzuju rezime segmenta
pokretanja posla. Ovo obuhvata troskove I gotovinu potrebnu za podrsku operacija dok prihodi ne
dostignu prihvatljiv nivo.Veci deo finansijskih obaveza kompanije ce biti prema spoljnim
investitorima I upravljanju investicijama, medjutim uzeta je pozajmica od bankekoja treba da se
otplati u naredne dve godine.
Kompanija ocekuje da ostvari profit u drugoj godini poslovanja I ne predvidja neke ozbiljnije
probleme u tokovima gotovine.Mi verujemo da ce tokom prve tri godine potpisivanje trajnih
ugovora sa 10 klijenata mesecno garantovati prelomnu tacku rentabilnosti posla.
Chart: Highlights
Page 4
Kreirati dugorocne ugovore koji zahtevaju neprekidnu kontrolu I nadzor I pruzanje hitne
medicinske pomoci korisnicima paketa
Odrzavati bliske kontakte sa klijentima I uspostaviti dugorocne odnose sa njima koji dobro
funkcionisu u cilju obnavljanja ugovora I dobijanja sjajne reputacije.
Postaviti sveobuhvatno iskustvo u pruzanju usluge za nase klijente koje ukljucuje
procenjivanje situacija, savetovanje, napredak, povratne informacije o paketima usluga.
1.2 MISIJA
Misija kompanije Cuvari zivvota je d pomogne starim, bolesnim I slabo sposobnim I pokretnim
gradjanima I pojedincima sa tehnoloski naprednim sistemima za pruzanje hitne intervencije u
cilju pobolsjanja njihovog kvaliteta zivota I povecanja svoje baze korisnika pruzajuci vrhunsku
uslugu.
Misija kompanije je da pruzi svojim korisnicima 24/7 uslugu neophodne pomoci Posedujemo
posvecen I veoma uvezban tim specijalsta za podrsku korisnicima koji su sposobni da obezbede
odlicnu uskugu na vreme.
1.3 CILJEVI
Ciljevi u naredne tri godine nase kompanije su :
1.Postati lider na trzistu u pruzanju monitoring usluga
2.Ostvariti prelomnu tacku rentabilnosti u drugoj godini poslovanja.
3.Uspostaviti dugorocne ugovore I odnose sa najmanje 450 korisnika u 2015
4.Uspostaviti stopu od minimum 95% zadovoljstva korisnika kako bi izgradili dugorocno poverenje
sa nasim klijentima I stvorili marketing od usta do usta.
2.0 Company Summary
VSS will be a limited liability partnership registered in the state of Delaware for tax purposes.
Its founder is Mr. Martin Gibbs, a former telemarketing head with Medfone, Inc. Mr. Gibbs has
brought together a highly respected group of telemarketing and customer relations specialists
who have a total of 35 years of combined experience with this industry.
The company has a limited number of private investors and does not plan to go public. The
company has its main offices in Gig Harbor, Washington. The facilities include office spaces,
conference rooms, and a phone center. The company expects to begin offering its services in
June of Year 1.
The company's main clients will be companies that require high amounts of communication
between themselves and their clients. This includes medical services, and companies that wish
to outsource first-level help desk support. By focusing on institutions such as these that have
Page 5
special needs, we believe we will be able to better serve our clients and produce a superior
service that is more effective that other call center firms.
2.1 Start-up Summary
Start-up assets required are shown in the tables below. This includes expenses and the cash
needed to support operations until revenues reach an acceptable level. Most of the company's
liabilities will come from outside private investors and management investment, however, we
have obtained current borrowing from Bank of America Commercial Investments, the principal
to be paid off in two years. A long-term loan through Charter Bank of Tillamook will be paid off
in ten years.We also have a line of credit from Viking Bank that we can draw upon if need be.
Table: Pokretanje biznisa
Start-up
Zahtevi
Troskovi pokretanja posla
Pravne usluge osnivanja doo
Osiguranje
Komunalije
Rent
Knjigovodja
Trosak nabavke opreme
Reklamiranje/Marketing
Ostalo
Total Start-up Expenses
$350
$1,000
$200
$600
$100
$8,000
$1,200
$350
$27,700
Pocetna sredstva
Potrebna gotovina
Ostala kratkorocna sredstva
Dugorocna sredstva
Ukupna sredstva
$117,800
$0
$0
$146,300
Ukupno potrebno
$174,000
Page 6
$27,700
$146,300
$174,000
Assets
Non-cash Assets from Start-up
Cash Requirements from Start-up
Additional Cash Raised
Cash Balance on Starting Date
Total Assets
$28,500
$117,800
$0
$117,800
$146,300
$16,000
$55,000
$3,000
$0
$74,000
Capital
Planned Investment
Mr. Aleksandar Vejnovic
Mr. Djordje Vejnovic
Others
Additional Investment Requirement
Total Planned Investment
$10,000
$10,000
$0
$0
$20,000
($27,700)
$72,300
$146,300
Total Funding
$174,000
Page 7
Chart: Start-up
Page 8
3.0 USLUGE
Kompanija Cuvari zivota nudi sirok opseg call center usluga ukjlucujuci dolazne I odlazne pozive.
Pruzamo usluge na 2 jezika: Srpski I engleski. Usluge su:
1. 24h/7 365 dana nadzor I kontrola stanja korisnika u njegovom domu I okolini u slucaju bilo koje
hitne pomoci, ukljucujuci srcani napade, mozdane udare ili padove. Slobodno pritisnite dugme za
pomc u bilo koje vreme I za bilo koju neophodnu pomoc.
2.Hitna procena nepredvidjene situacije I organizovanje pomoci-ne morate da gubite vreme da
nam kazete koga da zovemo pomoc -nas profesionalni agent ce brzo pozvati neophodne nadlezne
organe, Vasu porodicu ili prijatelje prema Vasoj listi prioriteta
3. Nikad se necete osecati sami-Odgovaramo na Vas poziv momentalno I ostajemo sa Vama na
vezi sve dok pomoc ne stigne
4.Da li zelite da Vasa porodica bude obavestena u slucaju hitne intervencije? Obavesticemo ih tako
da budu u toku sa Vasom trenutnom situacijom
5.Mi mislimo za Vas! Podsecamo Vas na Vase obaveze, dogovore, aktivnosti,podsetnike I
obeznedjujemo Vam sve neophodne informacije!
Page 9
Market Analysis
Potential Customers
Osobe 60+
Osobe sa invaliditetom
Other
Total
Year 1
Year 2
Year 3
Year 4
Year 5
2%
3%
400
350
408
361
416
372
424
383
432
394
1.94%
3.00%
3%
2.86%
2,200
2,950
2,266
3,035
2,334
3,122
2,404
3,211
2,476
3,302
3.00%
2.86%
Rast
CAGR
Page 10
Page 11
The threat of clients backwardly integrating so as to have all their advertising done in-house is
one of the major factors that buyers use to indirectly control price in this industry, and increase
competition among firms. This must always be foremost in the minds of Vashon's management
when offering services and setting prices.
4.2.1 Competition and Buying Patterns
Konkurencija
Konkurencija obuhvata sve komopanije koje pruzaju usluge monitoringa hitnih situacija u Srbiji.
Kompanija Cuvar zivota ulazi na trziste kao drugoplasirana kompanija. NA TRZISTU SE OD 2008
godine nalazi kompanija Asistel koja posluje u regionu Beograda I Nisa I trenutno je trzisni
lider. Prema njihovoj evidenciji, postoji 10.000 njihovih klijenata.Planiraju da se dalje sire po
Srbiji. Asistel je u 2012 poeo sa primenom teleasistencije tree generacije koja ukljuuje tehnoloka
reenja bazirana na mobilnoj telefoniji i Internetu. Konkurent ima 5 operatera koji rade u tri smene
24/7.
Nasa kompanija ce primeniti strategiju modifikovanog frontalnog napada u vidu jeftinijih
paketa(snizenih cena proizvoda) od konkurenta kao I strategiju poboljsanja usluge. Ova
strategija podrazumijeva praenje, odnosno izjednaavanje sa konkurencijom na polju svih
performansi i elemenata proizvoda, a onda prodaju istih proizvoda po niim cenama.
Page 12
Page 13
Sales Forecast
Year 1
Year 2
Year 3
960
$69,000
$43,500
$33,500
$278,000
$180,000
$120,000
$65,000
$58,000
$423,000
$270,000
$150,000
$96,000
$69,000
$585,000
Year 1
$0
$0
$0
Year 2
$0
$0
$0
Year 3
$0
$0
$0
Sales
Mesecna pretplata
Tromesecna pretplata
Sestomesecna pretplata
Godisnja pretplata
Total Sales
Direct Cost of Sales
Row 1
Other
Subtotal Direct Cost of Sales
Page 14
Key Personnel
Mr. Martin Gibbs is a graduate of the University of Missouri where he obtained his business
degree degree in 1971. Since then, Mr. Gibbs has had extensive experience in marketing,
telemarketing, and project management. This includes experience in budgeting, project
oversight, etc. In 1996 he obtained a graduate degree in marketing from University of
Washington. Mr. Gibbs spent the last four years as the telemarketing department head with
Medfone, Inc.
Mr. Nicholas Caput graduated from Arizona State University with a bachelors degree in
marketing in 1975. From 1978-1988 Mr. Caput worked for Nelson Marketing Consultants. In
1989 he went to work for Anderson Consulting in their marketing division, where he worked as
a project manager.
Table: Personnel
Personnel Plan
Year 1
Year 2
Year 3
$36,000
$36,000
$36,000
$101,050
19
$36,000
$36,000
$36,000
$203,000
27
$60,000
$60,000
$36,000
$203,000
27
Total Payroll
$209,050
$311,000
$359,000
General Assumptions
Plan Month
Current Interest Rate
Long-term Interest Rate
Tax Rate
Other
Year 1
Year 2
Year 3
1
10.00%
10.00%
30.00%
0
2
10.00%
10.00%
30.00%
0
3
10.00%
10.00%
30.00%
0
Page 15
Break-even Analysis
Monthly Revenue Break-even
$27,234
Assumptions:
Average Percent Variable Cost
Estimated Monthly Fixed Cost
0%
$27,234
Page 16
Page 17
Page 18
Page 19
Year 2
Year 3
Sales
Direct Cost of Sales
Other Costs of Sales
Total Cost of Sales
$278,000
$0
$4,300
$4,300
$423,000
$0
$6,000
$6,000
$585,000
$0
$6,000
$6,000
Gross Margin
Gross Margin %
$273,700
98.45%
$417,000
98.58%
$579,000
98.97%
Payroll
Sales and Marketing and Other Expenses
Depreciation
Rent
Utilities
Insurance
Payroll Taxes
Travel
Other
$209,050
$18,000
$0
$18,000
$7,200
$13,200
$31,358
$12,000
$18,000
$311,000
$10,000
$0
$18,000
$8,000
$14,000
$46,650
$8,000
$15,000
$359,000
$10,000
$2,500
$18,000
$9,000
$15,000
$53,850
$4,000
$15,000
$326,808
$430,650
$486,350
($53,108)
($53,108)
$8,183
$0
($13,650)
($13,650)
$9,400
$0
$92,650
$95,150
$9,100
$25,065
Net Profit
Net Profit/Sales
($61,291)
-22.05%
($23,050)
-5.45%
$58,485
10.00%
Expenses
Page 20
Chart: Cash
Page 21
Year 2
Year 3
$69,500
$159,050
$228,550
$105,750
$291,458
$397,208
$146,250
$409,934
$556,184
$0
$20,000
$0
$0
$0
$0
$3,000
$251,550
$0
$6,000
$0
$0
$0
$0
$5,000
$408,208
$0
$0
$0
$0
$0
$0
$0
$556,184
Year 1
Year 2
Year 3
$209,050
$121,806
$330,856
$311,000
$135,385
$446,385
$359,000
$162,552
$521,552
$0
$0
$0
$0
$0
$0
$0
$330,856
$0
$0
$0
$0
$0
$0
$0
$446,385
$0
$8,000
$0
$4,000
$0
$0
$0
$533,552
($79,306)
$38,494
($38,177)
$317
$22,632
$22,949
Cash Received
Cash from Operations
Cash Sales
Cash from Receivables
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
Expenditures from Operations
Cash Spending
Bill Payments
Subtotal Spent on Operations
Additional Cash Spent
Page 22
Year 2
Year 3
$38,494
$49,450
$3,500
$91,444
$317
$75,242
$3,500
$79,059
$22,949
$104,058
$3,500
$130,507
$25,000
$0
$25,000
$116,444
$25,000
$0
$25,000
$104,059
$25,000
$2,500
$22,500
$153,007
Year 1
Year 2
Year 3
$11,435
$36,000
$0
$47,435
$11,100
$42,000
$0
$53,100
$13,563
$34,000
$0
$47,563
Long-term Liabilities
Total Liabilities
$55,000
$102,435
$55,000
$108,100
$51,000
$98,563
Paid-in Capital
Retained Earnings
Earnings
Total Capital
Total Liabilities and Capital
$103,000
($27,700)
($61,291)
$14,009
$116,444
$108,000
($88,991)
($23,050)
($4,041)
$104,059
$108,000
($112,041)
$58,485
$54,444
$153,007
$14,009
($4,041)
$54,444
Assets
Current Assets
Cash
Accounts Receivable
Other Current Assets
Total Current Assets
Long-term Assets
Long-term Assets
Accumulated Depreciation
Total Long-term Assets
Total Assets
Liabilities and Capital
Current Liabilities
Accounts Payable
Current Borrowing
Other Current Liabilities
Subtotal Current Liabilities
Net Worth
Page 23
Table: Ratios
Ratio Analysis
Year 1
Year 2
Year 3
Industry Profile
n.a.
52.16%
38.30%
8.79%
Accounts Receivable
Other Current Assets
Total Current Assets
Long-term Assets
Total Assets
42.47%
3.01%
78.53%
21.47%
100.00%
72.31%
3.36%
75.98%
24.02%
100.00%
68.01%
2.29%
85.29%
14.71%
100.00%
28.12%
44.18%
76.27%
23.73%
100.00%
Current Liabilities
Long-term Liabilities
Total Liabilities
Net Worth
40.74%
47.23%
87.97%
12.03%
51.03%
52.85%
103.88%
-3.88%
31.09%
33.33%
64.42%
35.58%
38.61%
13.60%
52.21%
47.79%
100.00%
98.45%
120.50%
0.00%
-19.10%
100.00%
98.58%
104.03%
0.00%
-3.23%
100.00%
98.97%
88.98%
0.00%
15.84%
100.00%
100.00%
82.68%
1.66%
1.37%
1.93
1.93
87.97%
-437.51%
-52.64%
1.49
1.49
103.88%
570.43%
-22.15%
2.74
2.74
64.42%
153.46%
54.61%
1.59
1.22
3.09%
60.22%
7.76%
Sales Growth
Percent of Total Assets
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
Year 1
Year 2
Year 3
-22.05%
-437.51%
-5.45%
0.00%
10.00%
107.42%
n.a
n.a
4.22
56
11.39
28
2.39
4.22
72
12.17
30
4.06
4.22
75
12.17
27
3.82
n.a
n.a
n.a
n.a
n.a
7.31
0.46
0.00
0.49
1.81
0.48
n.a
n.a
$44,009
-6.49
$25,959
-1.45
$82,944
10.18
n.a
n.a
0.42
41%
0.89
19.84
0.00
0.25
51%
0.07
0.00
0.00
0.26
31%
0.56
10.74
0.00
n.a
n.a
n.a
n.a
n.a
Activity Ratios
Accounts Receivable Turnover
Collection Days
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
Page 24
Appendix
Table: Sales Forecast
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
$8,000
$0
$2,000
$1,000
$11,000
$8,000
$0
$2,500
$1,500
$12,000
$8,000
$0
$0
$0
$8,000
$12,000
$5,000
$0
$0
$17,000
$12,000
$5,000
$2,000
$0
$19,000
$12,000
$5,000
$3,000
$0
$20,000
$12,000
$8,000
$3,000
$7,000
$30,000
$12,000
$8,000
$6,000
$5,000
$31,000
$12,000
$8,000
$4,000
$7,000
$31,000
$12,000
$8,000
$7,000
$5,000
$32,000
$12,000
$11,000
$7,000
$2,000
$32,000
$12,000
$11,000
$7,000
$5,000
$35,000
Sales
Medical call center services
Help desk services
Short-term projects
Other projects
Total Sales
Direct Cost of Sales
0%
0%
0%
0%
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Row 1
$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
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Page 1
Appendix
Table: Personnel
Personnel Plan
Mr. Martin Gibbs - President
Ms. Mary Stuart - Office Manager
Mr. Nicholas Caput - Operations
Customer service representatives
Total People
Total Payroll
0%
0%
0%
0%
0%
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
$3,000
$3,000
$3,000
$5,760
9
$3,000
$3,000
$3,000
$5,760
9
$3,000
$3,000
$3,000
$5,760
9
$3,000
$3,000
$3,000
$5,760
9
$3,000
$3,000
$3,000
$5,760
9
$3,000
$3,000
$3,000
$7,680
11
$3,000
$3,000
$3,000
$9,600
13
$3,000
$3,000
$3,000
$10,000
15
$3,000
$3,000
$3,000
$10,000
15
$3,000
$3,000
$3,000
$10,000
15
$3,000
$3,000
$3,000
$11,500
17
$3,000
$3,000
$3,000
$13,470
19
$14,760
$14,760
$14,760
$14,760
$14,760
$16,680
$18,600
$19,000
$19,000
$19,000
$20,500
$22,470
Page 2
Appendix
Table: General Assumptions
General Assumptions
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
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%
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%
Plan Month
Other
Month 12
Page 3
Appendix
Table: Profit and Loss
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
$11,000
$12,000
$8,000
$17,000
$19,000
$20,000
$30,000
$31,000
$31,000
$32,000
$32,000
$35,000
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$200
$100
$100
$200
$300
$300
$500
$600
$500
$500
$500
$500
$200
$100
$100
$200
$300
$300
$500
$600
$500
$500
$500
$500
Gross Margin
$10,800
$11,900
$7,900
$16,800
$18,700
$19,700
$29,500
$30,400
$30,500
$31,500
$31,500
$34,500
Gross Margin %
98.18%
99.17%
98.75%
98.82%
98.42%
98.50%
98.33%
98.06%
98.39%
98.44%
98.44%
98.57%
Sales
Direct Cost of Sales
Expenses
Payroll
$14,760
$14,760
$14,760
$14,760
$14,760
$16,680
$18,600
$19,000
$19,000
$19,000
$20,500
$22,470
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Rent
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
$1,500
Utilities
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$600
$1,100
$1,100
$1,100
$1,100
$1,100
$1,100
$1,100
$1,100
$1,100
$1,100
$1,100
$1,100
$2,214
$1,000
$1,500
$2,214
$1,000
$1,500
$2,214
$1,000
$1,500
$2,214
$1,000
$1,500
$2,214
$1,000
$1,500
$2,502
$1,000
$1,500
$2,790
$1,000
$1,500
$2,850
$1,000
$1,500
$2,850
$1,000
$1,500
$2,850
$1,000
$1,500
$3,075
$1,000
$1,500
$3,371
$1,000
$1,500
$24,174
$24,174
$24,174
$24,174
$24,174
$26,382
$28,590
$29,050
$29,050
$29,050
$30,775
$33,041
($13,374)
($12,274)
($16,274)
($7,374)
($5,474)
($6,682)
$910
$1,350
$1,450
$2,450
$725
$1,460
EBITDA
($13,374)
($12,274)
($16,274)
($7,374)
($5,474)
($6,682)
$910
$1,350
$1,450
$2,450
$725
$1,460
$592
$592
$592
$592
$633
$675
$717
$758
$758
$758
$758
$758
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Insurance
Payroll Taxes
Travel
Other
Total Operating Expenses
Interest Expense
Taxes Incurred
15%
15%
Net Profit
($13,966)
($12,866)
($16,866)
($7,966)
($6,107)
($7,357)
$193
$592
$692
$1,692
($33)
$701
Net Profit/Sales
-126.96%
-107.21%
-210.82%
-46.86%
-32.14%
-36.79%
0.64%
1.91%
2.23%
5.29%
-0.10%
2.00%
Page 4
Appendix
Table: Cash Flow
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
$2,750
$3,000
$2,000
$4,250
$4,750
$5,000
$7,500
$7,750
$7,750
$8,000
$8,000
$8,750
$0
$275
$8,275
$8,900
$6,225
$12,800
$14,275
$15,250
$22,525
$23,250
$23,275
$24,000
$2,750
$3,275
$10,275
$13,150
$10,975
$17,800
$21,775
$23,000
$30,275
$31,250
$31,275
$32,750
$0
$0
$0
$0
$0
$0
$0
$0
$0
$5,000
$0
$5,000
$0
$5,000
$0
$5,000
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,500
$1,500
$0
$0
$0
$0
$2,750
$3,275
$10,275
$13,150
$15,975
$22,800
$28,275
$29,500
$30,275
$31,250
$31,275
$32,750
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
$14,760
$14,760
$14,760
$14,760
$14,760
$16,680
$18,600
$19,000
$19,000
$19,000
$20,500
$22,470
$3,340
$10,202
$10,106
$10,109
$10,210
$10,358
$10,695
$11,213
$11,405
$11,308
$11,316
$11,543
$18,100
$24,962
$24,866
$24,869
$24,970
$27,038
$29,295
$30,213
$30,405
$30,308
$31,816
$34,013
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$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
$18,100
$24,962
$24,866
$24,869
$24,970
$27,038
$29,295
$30,213
$30,405
$30,308
$31,816
$34,013
($15,350)
($21,687)
($14,591)
($11,719)
($8,995)
($4,238)
($1,020)
($713)
($130)
$942
($541)
($1,263)
Cash Received
Cash from Operations
Cash Sales
Cash from Receivables
Subtotal Cash from Operations
Additional Cash Received
Sales Tax, VAT, HST/GST Received
New Current Borrowing
0.00%
Page 5
Appendix
Cash Balance
$102,450
$80,762
$66,172
$54,453
$45,457
$41,219
$40,199
$39,486
$39,356
$40,298
$39,757
$38,494
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
$117,800
$0
$3,500
$121,300
$102,450
$8,250
$3,500
$114,200
$80,762
$16,975
$3,500
$101,237
$66,172
$14,700
$3,500
$84,372
$54,453
$18,550
$3,500
$76,503
$45,457
$26,575
$3,500
$75,532
$41,219
$28,775
$3,500
$73,494
$40,199
$37,000
$3,500
$80,699
$39,486
$45,000
$3,500
$87,986
$39,356
$45,725
$3,500
$88,581
$40,298
$46,475
$3,500
$90,273
$39,757
$47,200
$3,500
$90,457
$38,494
$49,450
$3,500
$91,444
$25,000
$0
$25,000
$146,300
$25,000
$0
$25,000
$139,200
$25,000
$0
$25,000
$126,237
$25,000
$0
$25,000
$109,372
$25,000
$0
$25,000
$101,503
$25,000
$0
$25,000
$100,532
$25,000
$0
$25,000
$98,494
$25,000
$0
$25,000
$105,699
$25,000
$0
$25,000
$112,986
$25,000
$0
$25,000
$113,581
$25,000
$0
$25,000
$115,273
$25,000
$0
$25,000
$115,457
$25,000
$0
$25,000
$116,444
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
Current Assets
Cash
Accounts Receivable
Other Current Assets
Total Current Assets
Long-term Assets
Long-term Assets
Accumulated Depreciation
Total Long-term Assets
Total Assets
Liabilities and Capital
Current Liabilities
Accounts Payable
Current Borrowing
Other Current Liabilities
Subtotal Current Liabilities
$3,000
$16,000
$0
$19,000
$9,865
$16,000
$0
$25,865
$9,769
$16,000
$0
$25,769
$9,769
$16,000
$0
$25,769
$9,865
$16,000
$0
$25,865
$10,002
$21,000
$0
$31,002
$10,321
$26,000
$0
$36,321
$10,833
$31,000
$0
$41,833
$11,028
$36,000
$0
$47,028
$10,931
$36,000
$0
$46,931
$10,931
$36,000
$0
$46,931
$11,149
$36,000
$0
$47,149
$11,435
$36,000
$0
$47,435
Long-term Liabilities
Total Liabilities
$55,000
$74,000
$55,000
$80,865
$55,000
$80,769
$55,000
$80,769
$55,000
$80,865
$55,000
$86,002
$55,000
$91,321
$55,000
$96,833
$55,000
$102,028
$55,000
$101,931
$55,000
$101,931
$55,000
$102,149
$55,000
$102,435
$100,000
($27,700)
$0
$72,300
$146,300
$100,000
($27,700)
($13,966)
$58,334
$139,200
$100,000
($27,700)
($26,831)
$45,469
$126,237
$100,000
($27,700)
($43,697)
$28,603
$109,372
$100,000
($27,700)
($51,663)
$20,637
$101,503
$100,000
($27,700)
($57,770)
$14,530
$100,532
$100,000
($27,700)
($65,127)
$7,173
$98,494
$101,500
($27,700)
($64,934)
$8,866
$105,699
$103,000
($27,700)
($64,342)
$10,958
$112,986
$103,000
($27,700)
($63,650)
$11,650
$113,581
$103,000
($27,700)
($61,959)
$13,341
$115,273
$103,000
($27,700)
($61,992)
$13,308
$115,457
$103,000
($27,700)
($61,291)
$14,009
$116,444
$72,300
$58,334
$45,469
$28,603
$20,637
$14,530
$7,173
$8,866
$10,958
$11,650
$13,341
$13,308
$14,009
Paid-in Capital
Retained Earnings
Earnings
Total Capital
Total Liabilities and Capital
Net Worth
Page 6