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Income Statement Household

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Income Statement Household Powered By Docstoc
					The Enterprise Fund
Loan Officer - Loan Application Budgets, Debt Service Ratio and Cash Flow Worksheets

START-UP BUDGET
                           Now   Month 1   Month 2   Month 3
Office




Workshop/Production site



Shop



Transport



Other


Total
The Enterprise Fund
Loan Officer - Loan Application Budgets, Debt Service Ratio and Cash Flow Worksheets



OPERATING BUDGET
                          Month 1        Month 2        Month 3        Month 4   Month 5   Month 6   Month 7   Month 8   Month 9   Month 10 Month 11 Month 12
Sales
Cost of Sales


Gross Profit:

Overheads:
Staff
Rent/Premises
Transport
Selling and Promotion
Electricity
Heat
Water
Telephone
Finance
Depreciation
Banking
Accountants
Loan Payments
Other
Total Overheads

Net Profit (Loss)


Debt Service Coverage Ratio = Net Income/Total Debt Service

September                 Personal       Business       Combined
Net Income
Debt Service
student loan
private investors
WEF

Debt Service Total                   0              0              0
Ratio                                                    #DIV/0!
Benchmark ratio is 1.15 or above
The Enterprise Fund
Loan Officer - Loan Application Budgets, Debt Service Ratio and Cash Flow Worksheets


CASH FLOW WORKSHEET

Opening Balance         Month 1   Month 2   Month 3   Month 4   Month 5   Month 6   Month 7   Month 8   Month 9   Month 10 Month 11 Month 12

Incoming - Income
Sources of Finance
Cash Sales
Credit Sales
Debtors
Tax Refunds
Other Income

Total Income

Out-going - Expenses
Initial Investment
Cash purchases
Creditors

Overheads:
Staff
Rent/Premises
Transport
Selling and Promotion
Electricity
Heat
Water
Telephone
Finance
Depreciation
Banking
Accountants
Loan Payments
Other

Total Expenses

Net Cash-flow
                            Household Income Statement


Monthly Income
Sources of Income                                        $
Salary
Other Household Salaries:
                                  1)
                                  2)
                                  3)
Pensions
Rental Income
Child Support
Social Security
Disability
Other
Total Household Income                                               0


Monthly Expenses
Housing
Food
Electric
Heating
Phone
Cable
Transportation
Health Care
Education
Insurance
Recreation
Religious
Alimony
Child Support
Laundry
Debts
Money Home
Others: (specify)
Total Household Expenses                                             0
Net Income (income less expenses)                                    0

                                                                         Monthly
Itemize Debt Below                                       Principal       Payments
                                                                         $




Total                                                                               0

				
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Description: Income Statement Household document sample