Cashflow forecast by niusheng11

VIEWS: 45 PAGES: 15

									Sales Revenue Forecast                     $0                                                     Starting:   1         0                                           5-Dec-00


                                  1              2         3         4         5         6           7         8             9        10        11        12
                         Month   Jan            Feb       Mar       Apr       May       Jun         Jul       Aug           Sep       Oct       Nov       Dec       Total
    Monthly Work Days Estimate                                                                                                                                              0

Sales / Services


# Sales Made Or Hours Billed          0              0         0         0         0         0            0        0             0         0         0         0            0
$ Average Price Or Hourly Rate    0.00           0.00      0.00      0.00      0.00      0.00         0.00     0.00          0.00      0.00      0.00      0.00
Sub-Total                              0              0         0         0         0         0           0         0             0         0         0         0           0



# Sales Made Or Hours Billed          0              0         0         0         0         0            0        0             0         0         0         0            0
$ Average Price Or Hourly Rate    0.00           0.00      0.00      0.00      0.00      0.00         0.00     0.00          0.00      0.00      0.00      0.00
Sub-Total                              0              0         0         0         0         0           0         0             0         0         0         0           0



# Sales Made Or Hours Billed          0              0         0         0         0         0            0        0             0         0         0         0            0
$ Average Price Or Hourly Rate    0.00           0.00      0.00      0.00      0.00      0.00         0.00     0.00          0.00      0.00      0.00      0.00
Sub-Total                              0              0         0         0         0         0           0         0             0         0         0         0           0



# Sales Made Or Hours Billed          0              0         0         0         0         0            0        0             0         0         0         0            0
$ Average Price Or Hourly Rate    0.00           0.00      0.00      0.00      0.00      0.00         0.00     0.00          0.00      0.00      0.00      0.00
Sub-Total                              0              0         0         0         0         0           0         0             0         0         0         0           0



# Sales Made Or Hours Billed          0              0         0         0         0         0            0        0             0         0         0         0            0
$ Average Price Or Hourly Rate    0.00           0.00      0.00      0.00      0.00      0.00         0.00     0.00          0.00      0.00      0.00      0.00
Sub-Total                              0              0         0         0         0         0           0         0             0         0         0         0           0


                                 Jan            Feb       Mar       Apr       May       Jun         Jul       Aug           Sep       Oct       Nov       Dec

Total Sales Forecast                   0              0         0         0         0         0           0         0             0         0         0         0           $0
CASH FLOW FORECAST:                                           Starting Date:                  date

Cash In                           1   2   3   4   5   6   7     8         9    10   11   12   Total
Cash Sales
Accts Receivable Collected
Other
Owner Contributions
Loan Proceeds
Total Cash In 'Income'
Cost of Goods & Materials
Gross Margin

Cash Out                          1   2   3   4   5   6   7     8         9    10   11   12   Total
Accounting, Professional Fees
Advertising, Marketing
Bank Charges
Delivery, Freight
Insurances & Business Liability
Licences, Permits, Dues
Office Supplies & Misc Expenses
Purchase Capital Assets
Rent: Equipment
Rent: Premises & Taxes
Repairs & Maintenance
Supplies
Telephone, Cel, Fax, Internet
Travel & Promotion
Utilities (excl phone)
Vehicle Optg Expenses, incl R&M
Vehicle Lease & ICBC Insurance
Wages, Benefits, WCB, CPP, UIC
Other
Other
Loan Payment CFDC
Loan Payment Bank, BDC
Owner / Management Drawings
Total Cash Out 'Expenses'
Net Income Before Tax

Cash Flow Summary                 1   2   3   4   5   6   7     8         9    10   11   12   Total
Starting Cash Balance
Cash In (-) Cash Out
Ending Cash Balance
Cashflow Forecast - Results Summary:                                        $0

                                                                                                   Date
Revenue Forecast                                                            $0
(-) Total Variable Costs (Goods & Materials)                                $0
(=) Gross Margin                                                            $0
(-) Fixed Costs            (Operating and Admin)                            $0
(=) Net Ordinary Income (Loss) Before Tax                                  $0


Variable Costs     (Variable Cost / Sales)

For every $1 of sales the business uses                   #####   cents to cover costs of goods and materials

Gross Margin Percentage         (Gross Profit / Sales)

For every $1 of sales the business produces               #####   cents as Gross 'Profit' Margin

Contribution Margin       (100% - Variable Cost %)

For every $1 of sales the business has                    #####   cents to cover all its operating costs

Operating / Fixed Costs        (Fixed Costs / Sales)

For every $1 of sales the business uses                   #####   cents to cover all its operating costs

Net Margin Percent      (Net Income Before Tax / Sales)

For every $1 of sales the business produces               #####   cents of Net Margin as Profit (Loss)


Break Even Analysis
 Monthly Sales needed to break even                                 #DIV/0!
 Daily Sales needed to break even                                   #DIV/0!
 Hourly Sales needed to break even                                  #DIV/0!


Forecast Sales Projections                                                              Coverage or (Shortfall)
 Forecast Monthly Sales average                                             $0                   #DIV/0!   #####
 Forecast Daily Sales average                                               $0                   #DIV/0!
 Forecast Hourly Sales average                                              $0                   #DIV/0!
CASH FLOW FORECAST                                      $0                                                     Starting:         0 , 2002                 date                      CF 2


Cash In                            #N/A       Jan            Feb       Mar       Apr       May       Jun         Jul       Aug       Sep        Oct          Nov       Total
Cash Sales                                                                                                                                                                     0   #DIV/0!
Accts Receivable Collected                                                                                                                                                     0   #DIV/0!
Other                                                                                                                                                                          0   #DIV/0!
Owner Contributions                                                                                                                                                            0   #DIV/0!
Loan Proceeds                                                                                                                                                                  0   #DIV/0!
Total Cash In 'Income'                    0         0              0         0         0         0         0           0         0          0         0            0           0   100.0%

Cost of Goods & Materials                                                                                                                                                      0 #DIV/0!

Gross Margin                              0         0              0         0         0         0         0           0         0          0         0            0           0 #DIV/0!

Cash Out                           #N/A       Jan            Feb       Mar       Apr       May       Jun         Jul       Aug       Sep        Oct          Nov       Total
Accounting, Professional Fees                                                                                                                                                  0   #DIV/0!
Advertising, Marketing                                                                                                                                                         0   #DIV/0!
Bank Charges                                                                                                                                                                   0   #DIV/0!
Delivery, Freight                                                                                                                                                              0   #DIV/0!
Insurances & Business Liability                                                                                                                                                0   #DIV/0!
Licences, Permits, Dues                                                                                                                                                        0   #DIV/0!
Office Supplies & Misc Expenses                                                                                                                                                0   #DIV/0!
Purchase Capital Assets                                                                                                                                                        0   #DIV/0!
Rent: Equipment                                                                                                                                                                0   #DIV/0!
Rent: Premises & Taxes                                                                                                                                                         0   #DIV/0!
Repairs & Maintenance                                                                                                                                                          0   #DIV/0!
Supplies                                                                                                                                                                       0   #DIV/0!
Telephone, Cel, Fax, Internet                                                                                                                                                  0   #DIV/0!
Travel & Promotion                                                                                                                                                             0   #DIV/0!
Utilities (excl phone)                                                                                                                                                         0   #DIV/0!
Vehicle Optg Expenses, incl R&M                                                                                                                                                0   #DIV/0!
Vehicle Lease & ICBC Insurance                                                                                                                                                 0   #DIV/0!
Wages, Benefits, WCB, CPP, UIC                                                                                                                                                 0   #DIV/0!
                 #REF!                                                                                                                                                         0   #DIV/0!
Other                                                                                                                                                                          0   #DIV/0!
Other                                                                                                                                                                          0   #DIV/0!
Loan Payment CFDC                                                                                                                                                              0   #DIV/0!
Loan Payment Bank, BDC                                                                                                                                                         0   #DIV/0!
Owner / Management Drawings                                                                                                                                                    0   #DIV/0!
            #REF!                                                                                                                                                              0   #DIV/0!
Total Cash Out 'Expenses'                 0         0              0         0         0         0         0           0         0          0         0            0           0 #DIV/0!

Net Income Before Tax                     0         0              0         0         0         0         0           0         0          0         0            0           0 #DIV/0!

CashFlow Summary                   #N/A       Jan            Feb       Mar       Apr       May       Jun         Jul       Aug       Sep        Oct          Nov       Total
Starting Cash Balance                     0         0              0         0         0         0         0           0         0          0         0            0
Cash In (-) Cash Out                      0         0              0         0         0         0         0           0         0          0         0            0
Ending Balance                            0         0              0         0         0         0         0           0         0          0         0            0 $         -   #DIV/0!




        Prepared with assistance from Community Futures, Pho: (250) 562-9622, Fax: (250) 562-9119
Cashflow Forecast - Results Summary                                           $0



Revenue Forecast                                                            $0
(-) Total Variable Costs (Goods & Materials)                                $0
(=) Gross Margin                                                            $0
(-) Fixed Costs            (Operating and Admin)                            $0
(=) Net Ordinary Income (Loss) Before Tax                                  $0


Variable Costs     (Variable Cost / Sales)

For every $1 of sales the business uses                   #####   cents to cover costs of goods and materials

Gross Margin Percentage         (Gross Profit / Sales)
For every $1 of sales the business produces               #####   cents as Gross 'Profit' Margin

Contribution Margin      (100% - Variable Cost %)
For every $1 of sales the business has                    #####   cents to cover all its operating costs

Operating / Fixed Costs       (Fixed Costs / Sales)
For every $1 of sales the business uses                   #####   cents to cover all its operating costs

Net Margin Percent      (Net Income Before Tax / Sales)
For every $1 of sales the business produces               #####   cents of Net Margin as Profit (Loss)

Break Even Analysis
= Fixed Costs / Contribution Margin
 Monthly Sales needed to break even                                 #DIV/0!
 Daily Sales needed to break even                                   #DIV/0!
 Hourly Sales needed to break even                                  #DIV/0!

Forecast Sales Projections                                                              Coverage or (Shortfall)
 Forecast Monthly Sales average                                             $0                   #DIV/0!     #DIV/0!
 Forecast Daily Sales average                                               $0                   #DIV/0!
 Forecast Hourly Sales average                                              $0                   #DIV/0!
Income & Expense Summary
                                  $0
                                           Forecast                                     Historical
                                               2001                   2002                     2000                    1999                    1998
                                       Total $          %       Total $         %        Total $         %       Total $         %       Total $         %

              Revenue
Cash Sales                                       0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Accts Receivable Collected                       0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Other                                            0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Owner Contributions                              0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Loan Proceeds                                    0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!

Total Cash In 'Income'                           0    #REF!               0   #DIV/0!              0   #DIV/0!             0   #DIV/0!             0   #DIV/0!

Variable Costs: Goods & Materials                0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!

Gross Margin                                     0    #REF!               0   #DIV/0!              0   #DIV/0!             0   #DIV/0!             0   #DIV/0!

     Operating Expenses
Accounting, Professional Fees                    0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Advertising, Marketing                           0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Bank Charges                                     0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Delivery, Freight                                0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Insurances & Business Liability                  0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Licences, Permits, Dues                          0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Office Supplies & Misc Expenses                  0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Purchase Capital Assets                          0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Rent: Equipment                                  0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Rent: Premises & Taxes                           0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Repairs & Maintenance                            0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Supplies                                         0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Telephone, Cel, Fax, Internet                    0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Travel & Promotion                               0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Utilities (excl phone)                           0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Vehicle Optg Expenses, incl R&M                  0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Vehicle Lease & ICBC Insurance                   0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Wages, Benefits, WCB, CPP, UIC                   0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
                    #REF!              #REF!          #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Other                                            0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Other                                            0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Other                                                                                                  #DIV/0!                 #DIV/0!                 #DIV/0!
Other                                                                                                  #DIV/0!                 #DIV/0!                 #DIV/0!
Other                                                                                                  #DIV/0!                 #DIV/0!                 #DIV/0!
Operating Expenses                     #REF!          #REF!               0   #DIV/0!              0   #DIV/0!             0   #DIV/0!             0   #DIV/0!

Net Operating Income                   #REF!          #REF!               0   #DIV/0!              0   #DIV/0!             0   #DIV/0!             0   #DIV/0!

        Other Expenses
Loan Payment CFDC                                0    #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Loan Payment Bank, BDC                           0    #DIV/0!             0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Owner / Management Drawings                      0    #DIV/0!             0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!
Owner / Management Drawings            #REF!          #REF!               0   #DIV/0!                  #DIV/0!                 #DIV/0!                 #DIV/0!

Other Expenses                         #REF!          #REF!               0   #DIV/0!              0   #DIV/0!             0   #DIV/0!             0   #DIV/0!

Total Cash Out 'Expenses'                        0    #REF!               0   #DIV/0!              0   #DIV/0!             0   #DIV/0!             0   #DIV/0!

Net Income Before Tax                            0    #DIV/0!             0   #DIV/0!              0   #DIV/0!             0   #DIV/0!             0   #DIV/0!
           Use & Source of Funds Worksheet                                                        $0


           Use of Funds                                             Have (value)       Need (costs)

           Capital Items                                                 $                  $
           1
           2
           3
           4
           5

           Inventory
           1
           2
           3

           Other Costs
           1
           2
           3
           4
           5

           Operating Capital


           Total Use of Funds                                       $              0                  0   0


           Sources of Funds
           Owner Cash Contribution

           Owner Assets Contributed
           1
           2
           3
           4
           5

           Family & Investors
           1
           2
           3
           4

           Loan Proceeds:
             Family / Peers
             Bank / Credit Union
             Credit Lines
             BDC
             CFDC

           Other:


           Total Source of Funds                                    $              0                  0   0



Prepared with assistance from Community Futures, Phone: (250) 562-9622, Fax: (250) 562-9119
Loan & Repayment Worksheet                                                                                  $0
* Unofficial & approximate calculation and repayment schedule for discussion purpose only


Loan Proposal
Loan Proceeds                                               $33,000.00
Estimated Legal Costs                                          128.48
CFDC Processing Fee (1%)                                       165.00
Mortgage Broker Fee                                              0.00
Total Loan Amount                                           $33,293.48
Interest Rate                                      10.00%
Repayment: Term (months)                           48
              Amortization                         48
Monthly Payment (P+I)                                          $844.41
# Borrowers Life Insured                           1
Group Life Insurance Premium (reducing)                        $11.99
Total Monthly Payment (P+I+I)                                  $856.39             Initial Per Diem Interest =   $9.12

Total Yearly Payment                                        $10,276.73



Loan Projections
Principal Repayable                                         $33,293.48
Interest Payable                                             $7,238.14
Group Life Insurance Coverage                                 $307.65
Total Repayment                                             $41,106.93



        Loan Amortization Schedule Precis`
        Projected loan balance outstanding after       6 mos =           $29,817
                                                              12 mos =   $26,155
                                                              18 mos =   $22,298
                                                              24 mos =   $18,235
                                                              30 mos =   $13,956
                                                              36 mos =    $9,449
                                                              42 mos =    $4,701
                                                              48 mos =
                                                              54 mos =
                                                              60 mos =
Amortization Schedule Calculation

Loan Applicant                  $0

Loan Amount               $33,293                Amortization (months)                  48
Interest Rate             10.00%                 P+I Payment                       $844.41
                                                 P+I+I Payment amount              $856.39
                          Day        Month           Year
Date of 1st pymt =        30           3             2000
  Pymt #




             Date         Payment    Principal         Interest    Life Insur       Balance
  1        Mar-30-2000    $856.39     $566.96          $277.45           $11.99   $32,726.52
  2        Apr-30-2000     856.39      571.89           272.72            11.78    32,154.63
  3        May-30-2000     856.39      576.86           267.96            11.58    31,577.76
  4        Jun-30-2000     856.39      581.88           263.15            11.37    30,995.88
  5         Jul-30-2000    856.39      586.94           258.30            11.16    30,408.95
  6        Aug-30-2000     856.39      592.04           253.41            10.95   $29,816.91
  7        Sep-30-2000     856.39      597.19           248.47            10.73    29,219.72
  8        Oct-30-2000     856.39      602.38           243.50            10.52    28,617.34
  9        Nov-30-2000     856.39      607.61           238.48            10.30    28,009.73
 10        Dec-30-2000     856.39      612.90           233.41            10.08    27,396.83
 11        Jan-30-2001     856.39      618.22           228.31             9.86    26,778.61
 12        Mar-02-2001     856.39      623.60           223.16             9.64   $26,155.01
 13        Mar-30-2001     856.39      629.02           217.96             9.42    25,525.99
 14        Apr-30-2001     856.39      634.49           212.72             9.19    24,891.50
 15        May-30-2001     856.39      640.00           207.43             8.96    24,251.50
 16        Jun-30-2001     856.39      645.57           202.10             8.73    23,605.93
 17         Jul-30-2001    856.39      651.18           196.72             8.50    22,954.75
 18        Aug-30-2001     856.39      656.84           191.29             8.26   $22,297.91
 19        Sep-30-2001     856.39      662.55           185.82             8.03    21,635.36
 20        Oct-30-2001     856.39      668.31           180.29             7.79    20,967.05
 21        Nov-30-2001     856.39      674.12           174.73             7.55    20,292.93
 22        Dec-30-2001     856.39      679.98           169.11             7.31    19,612.94
 23        Jan-30-2002     856.39      685.89           163.44             7.06    18,927.05
 24        Mar-02-2002     856.39      691.86           157.73             6.81   $18,235.20
 25        Mar-30-2002     856.39      697.87           151.96             6.56    17,537.33
 26        Apr-30-2002     856.39      703.94           146.14             6.31    16,833.39
 27        May-30-2002     856.39      710.06           140.28             6.06    16,123.33
 28        Jun-30-2002     856.39      716.23           134.36             5.80    15,407.11
 29         Jul-30-2002    856.39      722.46           128.39             5.55    14,684.65
 30        Aug-30-2002     856.39      728.74           122.37             5.29   $13,955.91
 31        Sep-30-2002     856.39      735.07           116.30             5.02    13,220.84
 32        Oct-30-2002     856.39      741.46           110.17             4.76    12,479.38
 33        Nov-30-2002     856.39      747.91           103.99             4.49    11,731.48
 34        Dec-30-2002     856.39      754.41            97.76             4.22    10,977.07
 35        Jan-30-2003     856.39      760.97            91.48             3.95    10,216.10
 36        Mar-02-2003     856.39      767.58            85.13             3.68    $9,448.52
 37        Mar-30-2003     856.39      774.26            78.74             3.40     8,674.26
  38      Apr-30-2003          856.39         780.99      72.29      3.12      7,893.28
  39     May-30-2003           856.39         787.78      65.78      2.84      7,105.50
  40      Jun-30-2003          856.39         794.62      59.21      2.56      6,310.88
  41       Jul-30-2003         856.39         801.53      52.59      2.27      5,509.35
  42     Aug-30-2003           856.39         808.50      45.91      1.98     $4,700.85
  43     Sep-30-2003           856.39         815.53      39.17      1.69      3,885.32
  44      Oct-30-2003          856.39         822.62      32.38      1.40      3,062.70
  45     Nov-30-2003           856.39         829.77      25.52      1.10      2,232.93
  46     Dec-30-2003           856.39         836.98      18.61      0.80      1,395.95
  47      Jan-30-2004          856.39         844.26      11.63      0.50        551.69
  48     Mar-01-2004           856.39         851.60       4.60      0.20      -$299.91
  49     Mar-30-2004           856.39         859.00      -2.50     -0.11     -1,158.91
  50      Apr-30-2004          856.39         866.47      -9.66     -0.42     -2,025.38
  51     May-30-2004           856.39         874.00     -16.88     -0.73     -2,899.38
  52      Jun-30-2004          856.39         881.60     -24.16     -1.04     -3,780.98
  53       Jul-30-2004         856.39         889.26     -31.51     -1.36     -4,670.25
  54     Aug-30-2004           856.39         896.99     -38.92     -1.68    -$5,567.24
  55     Sep-30-2004           856.39         904.79     -46.39     -2.00     -6,472.03
  56      Oct-30-2004          856.39         912.66     -53.93     -2.33     -7,384.69
  57     Nov-30-2004           856.39         920.59     -61.54     -2.66     -8,305.28
  58     Dec-30-2004           856.39         928.59     -69.21     -2.99     -9,233.88
  59      Jan-30-2005          856.39         936.67     -76.95     -3.32    -10,170.54
  60     Mar-02-2005           856.39         944.81     -84.75     -3.66   -$11,115.35
Final payment =          ($11,211.98)   ($11,115.35)   ($92.63)   ($4.00)         $0.00
32,155
31,578
30,996
30,409
29,817   $1,592.98
29,220
28,617
28,010
27,397
26,779
26,155   $3,008.30
25,526
24,892
24,251
23,606
22,955
22,298   $4,236.51
21,635
20,967
20,293
19,613
18,927
18,235   $5,267.62
17,537
16,833
16,123
15,407
14,685
13,956   $6,091.13
13,221
12,479
11,731
10,977
10,216   $6,610.83
 9,449        $289
$8,674
$7,893
$7,106
$6,311
$5,509
$4,701
$3,885
$3,063
$2,233
$1,396
  $552
($300)   $311
            Months


 $1   Jan
 $2   Feb
 $3   Mar
 $4   Apr
 $5   May
 $6   Jun
 $7   Jul
 $8   Aug
 $9   Sep
$10   Oct
$11   Nov
$12   Dec
$13   Jan
$14   Feb
$15   Mar
$16   Apr
$17   May
$18   Jun
$19   Jul
$20   Aug
$21   Sep
$22   Oct
$23   Nov
$24   Dec




            Page 15

								
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