Introduction
- Business description
- Business formation
- Directors
- Management team
- Business goals/mission
- Business philosophies/identity
- Geographical markets
- Vision of the future

Executive summary
- Main objectives
- Sales summary
- Strategic positioning
- Strategic alliances
- Licenses
- Key advantages
- Funds required

Marketing
- The product mix
- Sales estimates
- Analysis current product mix
- Competitive research
- Market analysis
- Marketing goals & strategies
- Pricing policy
- Advertising & promotion
- Distribution & service
- SWOT analysis

The organizational structure
- Management and personnel
- Administrative organization
- Contingency planning

Contractor business operations
- Contractor company identity
- Contractor company location
- Contractor company premises

Financial plan
- The investment budget
- Statistical data (ratios)
- The return on investment
- Financial projections

Risk management
- Risk reduction
- Exit strategy

Appendices
- Personal income statement
- Other

The Ultimate in Modern Contractor Business Financial Planning & Analysis

- Assumptions (general, formation, financial, sales, product sales on/off, inventory, expenses, tax, dividend, etc.)
- Investment budget - incl. start-up costs for start-ups and depreciable assets summary (5 years)
- Depreciation schedule straight line method (5 years)
- Funding - common stock and preferred stock issuance, or proprietary capital input for sole proprietor/partnerships (5 years)
- Loans & amortization schedule - short term, long term, deferred loans, flexible loans (5 years)
- Beginning balance sheet with automated financing check
- Balance sheet historic (3 years)
- Income statement historic (3 years)
- Personnel wizard to add up to 10 departments and an unlimited number of persons and groups per department
- Personnel assumptions - payroll burden, hourly/overtime rates, bonuses payment schedule
- Personnel plan monthly & quarterly (3 years) - with headcount, payroll, overtime, bonuses and payroll burden summary
- Personnel plan annual (5 years)
PROJECTS
- Recurring projects details - add up to 3 project lines and up to 5 recurring project types per project line.
Sales are estimated by adding the number of each recurring project type per month for the first year. The 2nd and 3rd year are pre-filled and can be adjusted with a growth % per project line, or overwritten. The 4th and 5th year are pre-filled with number of projects and sales amounts based on previous years averages, or can be overwritten.
- Specific projects details  - add up to 15 (AE up to 50) specific project details.
By entering the startdate of the unique project, the sales amounts are calculated according to project details, and payment schedules and inserted into the sales projections where appropriate.
PRODUCTS (On/Off)
- Products wizard to add up to 2 (AE up to 5) product lines (or market areas) and unlimited products per product line.
Enter product details & cost of goods with minimum stock level entry (3 years) - Add/Edit/Remove product lines and products using the wizard.
- Sales projections monthly (3 years)
Recurring projects: enter sales by units per month, Unique projects: automatically inserted according to project startdate, Products: enter sales by units or amounts, or in bulk
- Sales projections quarterly (3 years)
- Sales projections annual (5 years)
- Income statement (Profit & Loss) monthly & quarterly (3 years) - with automated discounts & returns, bad debts and losses & thefts.
- Income statement (Profit & Loss) annual (5 years) - with EBITDA and earnings per share details for companies
- Cashflow projection monthly & quarterly (3 years) - direct method used
- Cashflow projection annual (5 years)
- Balance sheet projection monthly (3 years)
- Balance sheet projection annual (5 years) - with no. of shares issued and net asset value per share details
- Notes to the financial statements - with automated data from the projections
- Sales tax account
- Inventory account
- Advertising & promotion plan detailed (3 years)
- Advertising & promotion plan annual (5 years)

Business analysis

- Historic ratios (3 years)
- Projected ratios including SGR, Z-score and IRR/NPV for business valuation (5 years)
- Loan capacity ratios (5 years)
- Comparison analysis - personnel, sales, advertising, income, cashflow, balance sheet (5 years)
- Annual dynamic sensitivity analysis (best/worst case scenarios) (5 years)
- Annual summary matrix - beginning balance, income statement, cash flow, ending balance (5 years)

Bonus tools

- Equipment, office, lunch room, machinery list worksheets
- Projects estimation workbook
- Personal financial statement worksheet
- Partnership accounts worksheet
- USA benchmarks workbook

NEW FEATURES