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Grizzly Bear Financial Managers
Financial Plan: The following sections will outline important financial information.
Projected Profit and Loss: The following table will indicate projected profit and loss.
Chart: Profit Monthly
Page 1
Grizzly Bear Financial Managers
Chart: Profit Yearly
Chart: Gross Margin Monthly
Page 2
Grizzly Bear Financial Managers
Chart: Gross Margin Yearly
Page 3
Grizzly Bear Financial Managers
Pro Forma Profit and Loss
Sales Direct Cost of Sales Other Production Expenses Total Cost of Sales
Year 1 $86,891 $6,951 $0 $6,951
Year 2 $128,000 $10,240 $0 $10,240
Year 3 $147,090 $11,767 $0 $11,767
Gross Margin Gross Margin %
$79,940 92.00%
$117,760 92.00%
$135,323 92.00%
$63,120 $1,200
$67,000 $1,200
$72,000 $1,200
$456 $0 $0 $1,800 $18,000 $9,468 $0
$456 $0 $0 $1,800 $18,000 $10,050 $0
$456 $0 $0 $1,800 $18,000 $10,800 $0
$94,044
$98,506
$104,256
Profit Before Interest and Taxes EBITDA Interest Expense Taxes Incurred
($14,104) ($13,648) $0 $0
$19,254 $19,710 $0 $5,776
$31,067 $31,523 $0 $9,320
Net Profit Net Profit/Sales
($14,104) -16.23%
$13,478 10.53%
$21,747 14.78%
Expenses Payroll Sales and Marketing and Other Expenses Depreciation Leased Equipment Utilities Insurance Rent Payroll Taxes Other Total Operating Expenses
Projected Cash Flow The following chart and table will indicate projected cash flow.
Page 4
Grizzly Bear Financial Managers
Table: Cash Flow
Pro Forma Cash Flow Year 1
Year 2
Year 3
Cash from Operations Cash Sales Subtotal Cash from Operations
$86,891 $86,891
$128,000 $128,000
$147,090 $147,090
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
$0 $0 $0 $0 $0 $0 $0 $86,891
$0 $0 $0 $0 $0 $0 $0 $128,000
$0 $0 $0 $0 $0 $0 $0 $147,090
Year 1
Year 2
Year 3
Expenditures from Operations Cash Spending Bill Payments Subtotal Spent on Operations
$63,120 $34,142 $97,262
$67,000 $46,475 $113,475
$72,000 $52,409 $124,409
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
$0 $0 $0 $0 $0 $0 $0 $97,262
$0 $0 $0 $0 $0 $0 $0 $113,475
$0 $0 $0 $0 $0 $0 $0 $124,409
($10,371) $8,429
$14,525 $22,954
$22,681 $45,635
Cash Received
Expenditures
Net Cash Flow Cash Balance
Page 5
Grizzly Bear Financial Managers
Chart: Cash
Page 6
Grizzly Bear Financial Managers
7.5 Projected Balance Sheet The following table will indicate the projected balance sheet. Table: Balance Sheet
Pro Forma Balance Sheet Year 1
Year 2
Year 3
$8,429 $0 $8,429
$22,954 $0 $22,954
$45,635 $0 $45,635
$2,300 $456 $1,844 $10,273
$2,300 $912 $1,388 $24,342
$2,300 $1,368 $932 $46,567
Liabilities and Capital
Year 1
Year 2
Year 3
Current Liabilities Accounts Payable Current Borrowing Other Current Liabilities Subtotal Current Liabilities
$3,277 $0 $0 $3,277
$3,868 $0 $0 $3,868
$4,347 $0 $0 $4,347
Long-term Liabilities Total Liabilities
$0 $3,277
$0 $3,868
$0 $4,347
$22,000 ($900) ($14,104) $6,996 $10,273
$22,000 ($15,004) $13,478 $20,474 $24,342
$22,000 ($1,526) $21,747 $42,220 $46,567
$6,996
$20,474
$42,220
Assets Current Assets Cash Other Current Assets Total Current Assets Long-term Assets Long-term Assets Accumulated Depreciation Total Long-term Assets Total Assets
Paid-in Capital Retained Earnings Earnings Total Capital Total Liabilities and Capital Net Worth
Page 7
Grizzly Bear Financial Managers
7.6 Business Ratios The following table outlines some of the more important ratios from the Portfolio Fund Managing industry. The final column, Industry Profile, details specific ratios based on the industry as it is classified by the NAICS code, 523920. Table: Ratios
Ratio Analysis Year 1
Year 2
Year 3
n.a.
47.31%
14.91%
Industry Profile 11.35%
0.00% 82.05% 17.95% 100.00%
0.00% 94.30% 5.70% 100.00%
0.00% 98.00% 2.00% 100.00%
34.12% 95.71% 4.29% 100.00%
31.90% 0.00% 31.90% 68.10%
15.89% 0.00% 15.89% 84.11%
9.33% 0.00% 9.33% 90.67%
32.96% 17.78% 50.74% 49.26%
100.00% 92.00% 108.23%
100.00% 92.00% 81.47%
100.00% 92.00% 77.22%
100.00% 56.89% 19.06%
0.00% -16.23%
0.00% 15.04%
0.00% 21.12%
4.69% 11.71%
Main Ratios Current Quick Total Debt to Total Assets Pre-tax Return on Net Worth Pre-tax Return on Assets
2.57 2.57 31.90% -201.61% -137.29%
5.93 5.93 15.89% 94.04% 79.10%
10.50 10.50 9.33% 73.58% 66.71%
2.34 2.11 55.75% 2.50% 5.64%
Additional Ratios Net Profit Margin Return on Equity
Year 1 -16.23% -201.61%
Year 2 10.53% 65.83%
Year 3 14.78% 51.51%
n.a n.a
11.42
12.17
12.17
n.a
Sales Growth Percent of Total Assets Other Current Assets Total Current Assets 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
Activity Ratios Accounts Payable Turnover
Page 8
Grizzly Bear Financial Managers
Payment Days Total Asset Turnover
27 8.46
28 5.26
28 3.16
n.a n.a
Debt Ratios Debt to Net Worth Current Liab. to Liab.
0.47 1.00
0.19 1.00
0.10 1.00
n.a n.a
$5,152 0.00
$19,086 0.00
$41,288 0.00
n.a n.a
0.12 32% 2.57 12.42 0.00
0.19 16% 5.93 6.25 0.00
0.32 9% 10.50 3.48 0.00
n.a n.a n.a n.a n.a
Liquidity Ratios Net Working Capital Interest Coverage Additional Ratios Assets to Sales Current Debt/Total Assets Acid Test Sales/Net Worth Dividend Payout
Page 9
Appendix
Table: Profit and Loss
Pro Forma Profit and Loss
Sales Direct Cost of Sales Other Production Expenses Total Cost of Sales Gross Margin Gross Margin %
Expenses Payroll Sales and Marketing and Other Expenses Depreciation Leased Equipment Utilities Insurance
Month 1 $0 $0
Month 2 $3,390 $271
Month 3 $4,441 $355
Month 4 $6,569 $526
Month 5 $7,201 $576
Month 6 $7,830 $626
Month 7 $8,339 $667
Month 8 $9,001 $720
Month Month Month Month 9 10 11 12 $9,648 $10,037 $10,092 $10,343 $772 $803 $807 $827
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$271
$355
$526
$576
$626
$667
$720
$772
$803
$807
$827
$0 0.00%
$3,119 92.00%
$4,086 92.00%
$6,043 92.00%
$6,625 $7,204 $7,672 $8,281 $8,876 92.00% 92.00% 92.00% 92.00% 92.00%
$9,234 92.00%
$9,285 92.00%
$9,516 92.00%
$3,500 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150 Page 1
Appendix
Rent Payroll Taxes Other Total Operating Expenses
15%
$1,500 $525 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$5,813
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
Profit Before Interest and Taxes EBITDA Interest Expense Taxes Incurred
($5,813)
($4,902) ($3,935) ($1,978) ($1,396)
($817)
($349)
$260
$855
$1,213
$1,264
$1,495
($5,775) $0
($4,864) ($3,897) ($1,940) ($1,358) $0 $0 $0 $0
($779) $0
($311) $0
$298 $0
$893 $0
$1,251 $0
$1,302 $0
$1,533 $0
$0
$0
$0
$0
$0
$0
$0
Net Profit Net Profit/Sales
($5,813) 0.00%
($4,902) ($3,935) ($1,978) ($1,396) ($817) - -88.61% -30.10% -19.39% 144.61% 10.44%
($349) -4.19%
$260 2.89%
$855 8.86%
$1,213 12.09%
$1,264 12.52%
$1,495 14.45%
$0
$0
$0
$0
$0
Page 2
Appendix
Table: Cash Flow
Pro Forma Cash Flow Month 1
Month 2
Month 3
Month 4
Month 5
$0 $0
$3,390 $3,390
$4,441 $4,441
$6,569 $6,569
$7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343 $7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343
$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
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
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 Longterm Assets
0.00%
Page 3
Appendix
New Investment Received Subtotal Cash Received Expenditures
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
$0
$0
$0
$0
$0
$0
$0
$3,390
$4,441
$6,569
$7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343
Month 1
Month 2
Month 3
Month 4
Month 5
$3,500 $76 $3,576
$5,420 $2,294 $7,714
$5,420 $2,837 $8,257
$5,420 $2,924 $8,344
$5,420 $5,420 $5,420 $5,420 $5,420 $3,090 $3,141 $3,191 $3,232 $3,285 $8,510 $8,561 $8,611 $8,652 $8,705
$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
Month 6
$0
$0
$0
$0
$0
$0
Month 10
Month 11
Month 12
$5,420 $3,336 $8,756
$5,420 $3,366 $8,786
$5,420 $3,371 $8,791
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Month 7
Month 8
Month 9
Page 4
Appendix
Purchase Other Current Assets Purchase Longterm Assets Dividends Subtotal Cash Spent Net Cash Flow Cash Balance
$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 $3,576
$0 $7,714
$0 $8,257
$0 $8,344
$0 $0 $0 $0 $0 $8,510 $8,561 $8,611 $8,652 $8,705
$0 $8,756
$0 $8,786
$0 $8,791
($3,576) ($4,324) ($3,816) ($1,775) ($1,309) ($731) ($272) $349 $943 $15,224 $10,901 $7,085 $5,310 $4,000 $3,270 $2,998 $3,347 $4,290
$1,281 $5,571
$1,306 $6,877
$1,552 $8,429
Page 5
Appendix
Table: Balance Sheet
Pro Forma Balance Sheet Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
$18,80 0 $0
$15,22 $10,901 4 $0 $0
$7,085
$5,310
$4,000
$3,270
$2,998
$3,347
$4,290
$5,571
$6,877
$8,429
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$18,80 0
$15,22 $10,901 4
$7,085
$5,310
$4,000
$3,270
$2,998
$3,347
$4,290
$5,571
$6,877
$8,429
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$0
$38
$76
$114
$152
$190
$228
$266
$304
$342
$380
$418
$456
Month 1 Assets
Current Assets Cash Other Current Assets Total Current Assets Long-term Assets Long-term Assets Accumulat ed Depreciati on
Startin g Balanc es
Page 6
Appendix
Total Long-term Assets Total Assets
$2,300
$2,262
$2,224
$2,186
$2,148
$2,110
$2,072
$2,034
$1,996
$1,958
$1,920
$1,882
$1,844
$21,10 0
$17,48 $13,125 6
$9,271
$7,458
$6,110
$5,342
$5,032
$5,343
$6,248
$7,491
$8,759
$10,273
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Liabilities and Capital Current Liabilities Accounts Payable Current Borrowing Other Current Liabilities Subtotal Current Liabilities Long-term Liabilities Total Liabilities Paid-in Capital Retained Earnings
Month 1
$0
$2,199
$2,740
$2,821
$2,986
$3,034
$3,083
$3,122
$3,174
$3,224
$3,254
$3,258
$3,277
$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
$2,199
$2,740
$2,821
$2,986
$3,034
$3,083
$3,122
$3,174
$3,224
$3,254
$3,258
$3,277
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$2,199
$2,740
$2,821
$2,986
$3,034
$3,083
$3,122
$3,174
$3,224
$3,254
$3,258
$3,277
$22,00 $22,000 0 ($900) ($900)
$22,000
$22,000
$22,000
$22,000
$22,000
$22,000
$22,000
$22,000
$22,000
$22,000
($900)
($900)
($900)
($900)
($900)
($900)
($900)
($900)
($900)
($900)
$22,00 0 ($900)
Page 7
Appendix
Earnings
$0
Total Capital Total Liabilities and Capital
$21,10 0 $21,10 0
($5,81 ($10,71 3) 5) $15,28 $10,385 7 $17,48 $13,125 6
Net Worth
$21,10 0
$15,28 $10,385 7
($14,65 0) $6,450
($16,62 8) $4,472
($18,02 4) $3,076
($18,84 1) $2,259
($19,19 1) $1,909
($18,93 1) $2,169
($18,07 6) $3,024
($16,86 2) $4,238
($15,59 9) $5,501
($14,10 4) $6,996
$9,271
$7,458
$6,110
$5,342
$5,032
$5,343
$6,248
$7,491
$8,759
$10,273
$6,450
$4,472
$3,076
$2,259
$1,909
$2,169
$3,024
$4,238
$5,501
$6,996
Page 8
Financial Plan: The following sections will outline important financial information.
Projected Profit and Loss: The following table will indicate projected profit and loss.
Chart: Profit Monthly
Page 1
Grizzly Bear Financial Managers
Chart: Profit Yearly
Chart: Gross Margin Monthly
Page 2
Grizzly Bear Financial Managers
Chart: Gross Margin Yearly
Page 3
Grizzly Bear Financial Managers
Pro Forma Profit and Loss
Sales Direct Cost of Sales Other Production Expenses Total Cost of Sales
Year 1 $86,891 $6,951 $0 $6,951
Year 2 $128,000 $10,240 $0 $10,240
Year 3 $147,090 $11,767 $0 $11,767
Gross Margin Gross Margin %
$79,940 92.00%
$117,760 92.00%
$135,323 92.00%
$63,120 $1,200
$67,000 $1,200
$72,000 $1,200
$456 $0 $0 $1,800 $18,000 $9,468 $0
$456 $0 $0 $1,800 $18,000 $10,050 $0
$456 $0 $0 $1,800 $18,000 $10,800 $0
$94,044
$98,506
$104,256
Profit Before Interest and Taxes EBITDA Interest Expense Taxes Incurred
($14,104) ($13,648) $0 $0
$19,254 $19,710 $0 $5,776
$31,067 $31,523 $0 $9,320
Net Profit Net Profit/Sales
($14,104) -16.23%
$13,478 10.53%
$21,747 14.78%
Expenses Payroll Sales and Marketing and Other Expenses Depreciation Leased Equipment Utilities Insurance Rent Payroll Taxes Other Total Operating Expenses
Projected Cash Flow The following chart and table will indicate projected cash flow.
Page 4
Grizzly Bear Financial Managers
Table: Cash Flow
Pro Forma Cash Flow Year 1
Year 2
Year 3
Cash from Operations Cash Sales Subtotal Cash from Operations
$86,891 $86,891
$128,000 $128,000
$147,090 $147,090
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
$0 $0 $0 $0 $0 $0 $0 $86,891
$0 $0 $0 $0 $0 $0 $0 $128,000
$0 $0 $0 $0 $0 $0 $0 $147,090
Year 1
Year 2
Year 3
Expenditures from Operations Cash Spending Bill Payments Subtotal Spent on Operations
$63,120 $34,142 $97,262
$67,000 $46,475 $113,475
$72,000 $52,409 $124,409
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
$0 $0 $0 $0 $0 $0 $0 $97,262
$0 $0 $0 $0 $0 $0 $0 $113,475
$0 $0 $0 $0 $0 $0 $0 $124,409
($10,371) $8,429
$14,525 $22,954
$22,681 $45,635
Cash Received
Expenditures
Net Cash Flow Cash Balance
Page 5
Grizzly Bear Financial Managers
Chart: Cash
Page 6
Grizzly Bear Financial Managers
7.5 Projected Balance Sheet The following table will indicate the projected balance sheet. Table: Balance Sheet
Pro Forma Balance Sheet Year 1
Year 2
Year 3
$8,429 $0 $8,429
$22,954 $0 $22,954
$45,635 $0 $45,635
$2,300 $456 $1,844 $10,273
$2,300 $912 $1,388 $24,342
$2,300 $1,368 $932 $46,567
Liabilities and Capital
Year 1
Year 2
Year 3
Current Liabilities Accounts Payable Current Borrowing Other Current Liabilities Subtotal Current Liabilities
$3,277 $0 $0 $3,277
$3,868 $0 $0 $3,868
$4,347 $0 $0 $4,347
Long-term Liabilities Total Liabilities
$0 $3,277
$0 $3,868
$0 $4,347
$22,000 ($900) ($14,104) $6,996 $10,273
$22,000 ($15,004) $13,478 $20,474 $24,342
$22,000 ($1,526) $21,747 $42,220 $46,567
$6,996
$20,474
$42,220
Assets Current Assets Cash Other Current Assets Total Current Assets Long-term Assets Long-term Assets Accumulated Depreciation Total Long-term Assets Total Assets
Paid-in Capital Retained Earnings Earnings Total Capital Total Liabilities and Capital Net Worth
Page 7
Grizzly Bear Financial Managers
7.6 Business Ratios The following table outlines some of the more important ratios from the Portfolio Fund Managing industry. The final column, Industry Profile, details specific ratios based on the industry as it is classified by the NAICS code, 523920. Table: Ratios
Ratio Analysis Year 1
Year 2
Year 3
n.a.
47.31%
14.91%
Industry Profile 11.35%
0.00% 82.05% 17.95% 100.00%
0.00% 94.30% 5.70% 100.00%
0.00% 98.00% 2.00% 100.00%
34.12% 95.71% 4.29% 100.00%
31.90% 0.00% 31.90% 68.10%
15.89% 0.00% 15.89% 84.11%
9.33% 0.00% 9.33% 90.67%
32.96% 17.78% 50.74% 49.26%
100.00% 92.00% 108.23%
100.00% 92.00% 81.47%
100.00% 92.00% 77.22%
100.00% 56.89% 19.06%
0.00% -16.23%
0.00% 15.04%
0.00% 21.12%
4.69% 11.71%
Main Ratios Current Quick Total Debt to Total Assets Pre-tax Return on Net Worth Pre-tax Return on Assets
2.57 2.57 31.90% -201.61% -137.29%
5.93 5.93 15.89% 94.04% 79.10%
10.50 10.50 9.33% 73.58% 66.71%
2.34 2.11 55.75% 2.50% 5.64%
Additional Ratios Net Profit Margin Return on Equity
Year 1 -16.23% -201.61%
Year 2 10.53% 65.83%
Year 3 14.78% 51.51%
n.a n.a
11.42
12.17
12.17
n.a
Sales Growth Percent of Total Assets Other Current Assets Total Current Assets 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
Activity Ratios Accounts Payable Turnover
Page 8
Grizzly Bear Financial Managers
Payment Days Total Asset Turnover
27 8.46
28 5.26
28 3.16
n.a n.a
Debt Ratios Debt to Net Worth Current Liab. to Liab.
0.47 1.00
0.19 1.00
0.10 1.00
n.a n.a
$5,152 0.00
$19,086 0.00
$41,288 0.00
n.a n.a
0.12 32% 2.57 12.42 0.00
0.19 16% 5.93 6.25 0.00
0.32 9% 10.50 3.48 0.00
n.a n.a n.a n.a n.a
Liquidity Ratios Net Working Capital Interest Coverage Additional Ratios Assets to Sales Current Debt/Total Assets Acid Test Sales/Net Worth Dividend Payout
Page 9
Appendix
Table: Profit and Loss
Pro Forma Profit and Loss
Sales Direct Cost of Sales Other Production Expenses Total Cost of Sales Gross Margin Gross Margin %
Expenses Payroll Sales and Marketing and Other Expenses Depreciation Leased Equipment Utilities Insurance
Month 1 $0 $0
Month 2 $3,390 $271
Month 3 $4,441 $355
Month 4 $6,569 $526
Month 5 $7,201 $576
Month 6 $7,830 $626
Month 7 $8,339 $667
Month 8 $9,001 $720
Month Month Month Month 9 10 11 12 $9,648 $10,037 $10,092 $10,343 $772 $803 $807 $827
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$271
$355
$526
$576
$626
$667
$720
$772
$803
$807
$827
$0 0.00%
$3,119 92.00%
$4,086 92.00%
$6,043 92.00%
$6,625 $7,204 $7,672 $8,281 $8,876 92.00% 92.00% 92.00% 92.00% 92.00%
$9,234 92.00%
$9,285 92.00%
$9,516 92.00%
$3,500 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$5,420 $100
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$38 $0
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150
$0 $150 Page 1
Appendix
Rent Payroll Taxes Other Total Operating Expenses
15%
$1,500 $525 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$1,500 $813 $0
$5,813
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
$8,021
Profit Before Interest and Taxes EBITDA Interest Expense Taxes Incurred
($5,813)
($4,902) ($3,935) ($1,978) ($1,396)
($817)
($349)
$260
$855
$1,213
$1,264
$1,495
($5,775) $0
($4,864) ($3,897) ($1,940) ($1,358) $0 $0 $0 $0
($779) $0
($311) $0
$298 $0
$893 $0
$1,251 $0
$1,302 $0
$1,533 $0
$0
$0
$0
$0
$0
$0
$0
Net Profit Net Profit/Sales
($5,813) 0.00%
($4,902) ($3,935) ($1,978) ($1,396) ($817) - -88.61% -30.10% -19.39% 144.61% 10.44%
($349) -4.19%
$260 2.89%
$855 8.86%
$1,213 12.09%
$1,264 12.52%
$1,495 14.45%
$0
$0
$0
$0
$0
Page 2
Appendix
Table: Cash Flow
Pro Forma Cash Flow Month 1
Month 2
Month 3
Month 4
Month 5
$0 $0
$3,390 $3,390
$4,441 $4,441
$6,569 $6,569
$7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343 $7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343
$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
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
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 Longterm Assets
0.00%
Page 3
Appendix
New Investment Received Subtotal Cash Received Expenditures
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
$0
$0
$0
$0
$0
$0
$0
$3,390
$4,441
$6,569
$7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343
Month 1
Month 2
Month 3
Month 4
Month 5
$3,500 $76 $3,576
$5,420 $2,294 $7,714
$5,420 $2,837 $8,257
$5,420 $2,924 $8,344
$5,420 $5,420 $5,420 $5,420 $5,420 $3,090 $3,141 $3,191 $3,232 $3,285 $8,510 $8,561 $8,611 $8,652 $8,705
$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
Month 6
$0
$0
$0
$0
$0
$0
Month 10
Month 11
Month 12
$5,420 $3,336 $8,756
$5,420 $3,366 $8,786
$5,420 $3,371 $8,791
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Month 7
Month 8
Month 9
Page 4
Appendix
Purchase Other Current Assets Purchase Longterm Assets Dividends Subtotal Cash Spent Net Cash Flow Cash Balance
$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 $3,576
$0 $7,714
$0 $8,257
$0 $8,344
$0 $0 $0 $0 $0 $8,510 $8,561 $8,611 $8,652 $8,705
$0 $8,756
$0 $8,786
$0 $8,791
($3,576) ($4,324) ($3,816) ($1,775) ($1,309) ($731) ($272) $349 $943 $15,224 $10,901 $7,085 $5,310 $4,000 $3,270 $2,998 $3,347 $4,290
$1,281 $5,571
$1,306 $6,877
$1,552 $8,429
Page 5
Appendix
Table: Balance Sheet
Pro Forma Balance Sheet Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
$18,80 0 $0
$15,22 $10,901 4 $0 $0
$7,085
$5,310
$4,000
$3,270
$2,998
$3,347
$4,290
$5,571
$6,877
$8,429
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$18,80 0
$15,22 $10,901 4
$7,085
$5,310
$4,000
$3,270
$2,998
$3,347
$4,290
$5,571
$6,877
$8,429
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$2,300
$0
$38
$76
$114
$152
$190
$228
$266
$304
$342
$380
$418
$456
Month 1 Assets
Current Assets Cash Other Current Assets Total Current Assets Long-term Assets Long-term Assets Accumulat ed Depreciati on
Startin g Balanc es
Page 6
Appendix
Total Long-term Assets Total Assets
$2,300
$2,262
$2,224
$2,186
$2,148
$2,110
$2,072
$2,034
$1,996
$1,958
$1,920
$1,882
$1,844
$21,10 0
$17,48 $13,125 6
$9,271
$7,458
$6,110
$5,342
$5,032
$5,343
$6,248
$7,491
$8,759
$10,273
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Liabilities and Capital Current Liabilities Accounts Payable Current Borrowing Other Current Liabilities Subtotal Current Liabilities Long-term Liabilities Total Liabilities Paid-in Capital Retained Earnings
Month 1
$0
$2,199
$2,740
$2,821
$2,986
$3,034
$3,083
$3,122
$3,174
$3,224
$3,254
$3,258
$3,277
$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
$2,199
$2,740
$2,821
$2,986
$3,034
$3,083
$3,122
$3,174
$3,224
$3,254
$3,258
$3,277
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$2,199
$2,740
$2,821
$2,986
$3,034
$3,083
$3,122
$3,174
$3,224
$3,254
$3,258
$3,277
$22,00 $22,000 0 ($900) ($900)
$22,000
$22,000
$22,000
$22,000
$22,000
$22,000
$22,000
$22,000
$22,000
$22,000
($900)
($900)
($900)
($900)
($900)
($900)
($900)
($900)
($900)
($900)
$22,00 0 ($900)
Page 7
Appendix
Earnings
$0
Total Capital Total Liabilities and Capital
$21,10 0 $21,10 0
($5,81 ($10,71 3) 5) $15,28 $10,385 7 $17,48 $13,125 6
Net Worth
$21,10 0
$15,28 $10,385 7
($14,65 0) $6,450
($16,62 8) $4,472
($18,02 4) $3,076
($18,84 1) $2,259
($19,19 1) $1,909
($18,93 1) $2,169
($18,07 6) $3,024
($16,86 2) $4,238
($15,59 9) $5,501
($14,10 4) $6,996
$9,271
$7,458
$6,110
$5,342
$5,032
$5,343
$6,248
$7,491
$8,759
$10,273
$6,450
$4,472
$3,076
$2,259
$1,909
$2,169
$3,024
$4,238
$5,501
$6,996
Page 8
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