Cash Flow -Year One Insert Business Name Insert Dates Here (eg. Sep 2004 to Aug 2005) Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Total Cash Receipts: Loan Proceeds-new money only -Personal Investment -Sales -Other -Other -Total Cash Receipts -------------Cash Disbursements: Initial Purchase of Inventory -Inventory Purchases -Purchased Fixed Assets -Advertising/Promotion -Bank Charges -Office Supplies -Rent -Mainteneance -Travel/Automobile/Tow Truck Exp. -Telephone/Internet -Utilities -Wages and Benefits -Principal (Owners) Drawings -Insurance -Taxes & Licenses -Professional Fees -Loan Repayment-Principal* -Interest on Loans* -Operating Line of Credit Interest** ------------Contingency -Other --------------Total Cash Disbursements -------------SUMMARY Opening Cash Balance 0 0 0 0 0 0 0 0 0 0 0 0 Total Cash Receipts 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Cash Available 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Cash Disbursements 0 0 0 0 0 0 0 0 0 0 0 0 0 Ending Cash Balance 0 0 0 0 0 0 0 0 0 0 0 0 0 Operating Line of Credit 0 0 0 0 0 0 0 0 0 0 0 0 0 1Cash Flow -Year Two Insert Business Name Insert Dates Here (eg. Sep 2004 to Aug 2005) Month 13 Month 14 Month 15 Month 16 Month 17 Month 18 Month 19 Month 20 Month 21 Month 22 Month 23 Month 24 Total Cash Receipts: Loan Proceeds-new money only -Personal Investment -Sales -Other -Other --Total Cash Receipts -------------Cash Disbursements: Inventory Purchases -Purchased Fixed Assets -Advertising/Promotion -Bank Charges -Office Supplies -Rent -Mainteneance -Travel/Automobile/Tow Truck Exp. -Telephone/Internet -Utilities -Wages and Benefits -Principal (Owners) Drawings -Insurance -Taxes & Licenses -Professional Fees -Loan Repayment-Principal* -Interest on Loans* -Operating Line of Credit Interest** ------------Contingency -Other --Total Cash Disbursements -------------SUMMARY Opening Cash Balance 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Cash Receipts 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Cash Available 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Cash Disbursements 0 0 0 0 0 0 0 0 0 0 0 0 0 Ending Cash Balance 0 0 0 0 0 0 0 0 0 0 0 0 0 Operating Line of Credit 0 0 0 0 0 0 0 0 0 0 0 0 0 2Cash Flow -Year Three Insert Business Name Insert Dates Here (eg. Sep 2004 to Aug 2005) Month 25 Month 26 Month 27 Month 28 Month 29 Month 30 Month 31 Month 32 Month 33 Month 34 Month 35 Month 36 Total Cash Receipts: Loan Proceeds-new money only -Personal Investment -Sales -Other -Other --Total Cash Receipts -------------Cash Disbursements: Inventory Purchases -Purchased Fixed Assets -Advertising/Promotion -Bank Charges -Office Supplies -Rent -Mainteneance -Travel/Automobile/Tow Truck Exp. -Telephone/Internet -Utilities -Wages and Benefits -Principal (Owners) Drawings -Insurance -Taxes & Licenses -Professional Fees -Loan Repayment-Principal* -Interest on Loans* -Operating Line of Credit Interest** ------------Contingency -Other --Total Cash Disbursements -------------SUMMARY Opening Cash Balance 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Cash Receipts 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Cash Available 0 0 0 0 0 0 0 0 0 0 0 0 0 Total Cash Disbursements 0 0 0 0 0 0 0 0 0 0 0 0 0 Ending Cash Balance 0 0 0 0 0 0 0 0 0 0 0 0 0 Operating Line of Credit 0 0 0 0 0 0 0 0 0 0 0 0 0 3Revenue: Sales 0 0 0 Other 0 0 0 Other 0 0 0 Total Revenue ---Cost of Goods Sold ---Gross Profit ---Expenses: Advertising/Promotion ---Bank Charges ---Office Supplies ---Rent ---Mainteneance ---Travel/Automobile/Tow Truck Exp. ---Telephone/Internet ---Utilities ---Wages and Benefits ---Insurance ---Taxes & Licenses ---Professional Fees ---Interest on Loans* ---Operating Line of Credit Interest** ---Contingency ---Other ----Total Expenses ---Net Income (before taxes & depreciation) ---Year One Year Two Year Three Insert Business Name Comparative Pro Forma Income Statement For first three fiscal yearsCash Flow -Year One XYZ Business March 2006 to Feb 2007 March April May June July August Sept October Nov Dec January February Total Cash Receipts: Loan Proceeds-new money only 8,500 8,500 Personal Investment ---------Sales 50,000 50,000 50,000 50,000 60,000 60,000 50,000 50,000 60,000 60,000 40,000 60,000 640,000 Other --Other --Total Cash Receipts 58,500 50,000 50,000 50,000 60,000 60,000 50,000 50,000 60,000 60,000 40,000 60,000 648,500 Cash Disbursements: Initial Purchase of Inventory 50,000 50,000 Inventory Purchases 20,000 20,000 20,000 24,000 24,000 20,000 20,000 24,000 24,000 16,000 24,000 236,000 Purchased Fixed Assets 50,000 50,000 Advertising/Promotion 200 200 200 200 200 200 200 200 200 200 200 200 2,400 Bank Charges 50 50 50 50 50 50 50 50 50 50 50 50 600 Office Supplies 200 200 200 200 200 200 200 200 200 200 200 200 2,400 Rent 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 12,000 Mainteneance 50 50 50 50 50 50 50 50 50 50 50 50 600 Travel/Automobile/Tow Truck Exp. 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 12,000 Telephone/Internet 600 600 600 600 600 600 600 600 600 600 600 600 7,200 Utilities 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 12,000 Wages and Benefits 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 120,000 Principal (Owners) Drawings 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 36,000 Insurance 380 380 380 380 380 380 380 380 380 380 380 380 4,560 Taxes & Licenses 300 3,500 ---20 ------3,820 Professional Fees 200 200 200 200 200 200 200 200 200 200 200 200 2,400 Loan Repayment-Principal* 3,320 3,320 3,320 3,320 3,320 3,320 3,320 3,320 3,320 3,320 3,320 3,320 39,840 Interest on Loans* 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 21,600 Operating Line of Credit Interest** 407 389 350 310 233 155 114 73 ---2,031 Contingency 500 500 500 500 500 500 500 500 500 500 500 500 6,000 Other --------------Total Cash Disbursements 123,600 47,207 43,689 43,650 47,610 47,553 43,455 43,414 47,373 47,300 39,300 47,300 505,200 SUMMARY Opening Cash Balance (65,100) (62,307) (55,996) (49,646) (37,256) (24,809) (18,264) (11,678) 949 13,649 14,349 0 Total Cash Receipts 58,500 50,000 50,000 50,000 60,000 60,000 50,000 50,000 60,000 60,000 40,000 60,000 648,500 Total Cash Available 58,500 (15,100) (12,307) (5,996) 10,354 22,744 25,191 31,736 48,322 60,949 53,649 74,349 648,500 Total Cash Disbursements 123,600 47,207 43,689 43,650 47,610 47,553 43,455 43,414 47,373 47,300 39,300 47,300 505,200 Ending Cash Balance (65,100) (62,307) (55,996) (49,646) (37,256) (24,809) (18,264) (11,678) 949 13,649 14,349 27,049 143,300 Operating Line of Credit 65,100 62,307 55,996 49,646 37,256 24,809 18,264 11,678 0 0 0 0 0 5