


                   Financial Projections
NOTE:

Please refer to the Financial Projections section of the BizPlanBuilder(r)
manual (Chapter 5) for information on the spreadsheets included with 
BizPlanBuilder.

   [] Use your spreadsheet processor to edit the BizPlanBuilder
   files having the file extension ".WK1" or ".WKS" if you are
   using an IBM PC or compatible, or the files in the Excel-
   Financial Projections folder or SYLK-Financial Projections folder
   if you are using an Apple Macintosh.

   [] These are suggestions of financial projections that should be 
   organized using a spreadsheet processor.  Keep in mind that financial
   projections do not stand on their own -- anyone reviewing your
   financials will also expect to read a discussion of your position
   that supports the projections that you've made.

   [] Do not overdo this section. Keep numbers conservative
   and realistic, and be able to back them with actual
   orders, appropriate customer demographic information, and
   accurate production costs.

   [] If you do not have a spreadsheet processor, the following
   sample statements can assist you to present the
   appropriate financial information.



                       Start-up Costs

   [] List here the anticipated costs for initially
   establishing yourself in business.

Cash                                                    $
Initial Accounts Receivable
Inventory
Equipment
Fixtures
Rent Deposits
Remodeling
Utilities
Legal & Professional Fees
Opening Advertising & Promotion

    Total Start-Up Investment                          $




                  Use Of Funding Proceeds

   [] If the purpose of your business plan is to secure venture
   funding, then it is important to show how you will use
   your investors' money.

(Company) has developed a line of XXX products superior to
all other products that exist in the market today.  In order
to service the identified target markets with these superior
products, significant capital infusion is required.

Specifically, the required $XXX will be allocated
appropriately to:

Marketing and Advertising  $XXX
Salaries                    XXX
Facilities                  XXX
Capital Equipment           XXX
Research and Development    XXX
Operational Expenses        XXX
Funding                     XXX
Capital                     XXX



               Total       $XXX





              Income Statement (Profit & Loss)


                         Last Year      This Year Next Year
                              $000      $000      $000

Sales                         $

Cost of Sales
     Material
     Labor
     Overhead
     Total Cost of Sales      $

Gross Margin                  $
(Sales Less Cost of Sales)

Operating Expenses:
     Marketing, Selling Costs $
     Research and Development
     General & Administrative
     Total Operating Expenses $

Income (Loss) from Operations $

Interest Income (Expense)     $

Income (Loss) before Taxes    $

Taxes on Income               $

Net Income (Loss)             $







                     Cash Flow Forecast


                                     Last Year      This Year Next Year
                                     $000           $000      $000

Beginning Cash Balance               $

Cash Receipts
     Collection of Receivables       $
     Interest Income

     Total Cash Receipts             $

Cash Disbursements
     Accounts Payable                $
     Payments of Other Expenses
     Income Tax Payments

     Total Cash Disbursements        $

Net Cash from (Used for) Operations  $

Sale of Stock

Purchase of Equipment

Decrease (Increase) in Funds Invested

Short-term Borrowings (Repayments)

Ending  Cash Balance                 $







                       Balance Sheet


                                   Last Year  This Year Next Year
                                   $000       $000      $000

Assets:
Current Assets                     $
     Cash (C)
     Investments
     Accounts Receivable (R)
     Notes Receivable (N)
     Inventory
     Total Current Assets (A)      $

Property, Plant and Equipment
     Building                      $
     Office Equipment
     Leasehold Improvements
     Less Accumulated Depreciation
     Net Property & Equipment      $
Other Assets
Total Assets                       $

Liabilities & Owners' Equity:
Current Liabilities                $
     Short-term Debt
     Accounts Payable
     Income Taxes Payable
     Accrued Liabilities
     Total Current Liabilities (TCL)$
Long-term Debt

Owners' Equity
     Retained Earnings (Deficit)   $

Total Liabilities & Owners' Equity $

Ratios
Current Ratio = A/TCL
Quick Ratio = (C+R+N)/TCL

   [] Current Ratio shows your liquidity (ability to pay off
   liabilities). Quick Ratio shows your effective cash
   position.  Higher ratios indicate financial strength.







                    Break-Even Analysis

                                   Per Month   Per Month Per Month
                                   Optimistic  Realistic Pessimistic

Fixed Costs
     Rent                             $
     Salaries
     Utilities
     Insurance
     Taxes
     Depreciation
          Total Fixed Costs (TFC)     $

Variable Costs
     Supplies                         $
     Outside Labor
     Raw Materials
     Wages
     Advertising
     Maintenance
     Other Variable Costs
          Total Variable Costs (TVC) $

Number of Units (U)

Variable Cost/Unit (VCU) = TVC/U

Selling Price (SP)                   $

(TFC+TVC)/SP = U
= number of units to sell for break-even

(TVC+TFC)/U = SP
= sales price at a given unit volume for break-even
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