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Standard Bank’s guide to creating a business plan Author: a152850.Guidance Note: You write this section last, summarising each of the main sections of the business plan.The summary helps readers quickly understand what your business plan is about, makes them feel that you know what you are. Writing a Business Plan Georgia State SBDC 2 Why Write a Business Plan? A Business Plan helps you evaluate the feasibility of a new business idea in an objective, critical, and unemotional way. Our business plan toolkit is an easy-to-use guide and each section has help text to assist you. You can also read more about writing your business plan in five steps. The plan covers: Your business at a glance Your. Writing your business plan; Writing your business plan. Lloyds Bank business customers can register for our Business ToolBox with a 30-day free trial. It features LivePlan, a useful tool that simplifies business planning. Download our free business plan template. A properly formulated plan can help you gain the confidence of lenders, investors and shareholders. A business plan for strong roots and future growth. If you are reading this website, you have probably been putting a lot of thought into your business concept, and are now seeking financing. It is also possible that your. HSBC Knowledge Centre : Writing a business plan. Writing a business plan Many potential start- up businesses are daunted by the prospect of writing a business plan. But it is not a difficult process - and a good business plan focuses the mind as well as helping to secure finance and support. The business plan will clarify your business idea and define your long- term objectives. It provides a blueprint for running the business and a series of benchmarks to check your progress against. It is also vital for convincing your bank - and possibly key customers and suppliers - to support you. This briefing explains: What information to include. Executive summary The executive summary outlines your business proposal. Although it is the last section to be written, it goes on the first page of the business plan. It will be read by people unfamiliar with your business, so avoid jargon. The executive summary highlights the most important points and should sum up six areas. When deciding whether to back a start- up, bank managers and investors often make provisional judgements based on the executive summary. The appendices at the back of the plan (see 1. The business. 2. 1 Explain the background to your business idea, including: The length of time you have been developing the business idea in its present form. Explain, in plain English, what your product or service is. Make it clear how: it will stand out as different from other products or services your customers will gain through buying your product or service the business can be developed to meet customers. Be frank about these - it inspires confidence. Explain any key features of the industry (eg special regulations, effective cartels or major changes in technology). Markets and competitors. Focus on the segments of the market you plan to target - for example, local customers or a particular age group. What are the competing products and who supplies them? You must show you have done the market research needed to justify what you say in the plan. Sales and marketing This section is crucial. It often gives a good indication of the business. How will your product or service meet your customers? How will you position your product? How will you sell to customers? Show how long you predict each sale will take. Many new businesses underestimate the time involved in winning each order. In year one you may spend up to 8. If not, it will be hard to build up volume. Who will your first customers be? Unless you can demonstrate that you have a clearly defined pool of potential customers, starting your business is likely to be a struggle. How will you promote your product? For example, using advertising, PR, direct mail or via email and a website. What contribution to profit will each part of your business make? Examine your likely sales, gross profit margins and costs. Start- ups in these areas must pay special attention to marketing in their business plans. Management People reading the business plan need to be given an idea of why they should have faith in the management of your start- up. Outline the management skills within your team. For example, management accounts, sales, stock control and quality control. How committed are you? Show how much time and money each of the management team will contribute, and what your salaries and benefits will be. Operations Explain what facilities the business will have and how it will deliver the product or service to the customer. Show the pros and cons of the location. Indicate the facilities you will need to start (eg equipment and machinery). Some start- up businesses only need a desk and a phone. If you are going to manufacture or distribute products, show how and where you are going to warehouse them and for how long. Provide a list of employee roles you need to fill and the skills required to fill them. Show how you selected your suppliers. Keep it real Sales forecasts produced for start- up businesses are often over- optimistic. Here are some important reality checks. How soon can you start selling? Will potential customers hold off for a year before they take you seriously and place an order? How often will you be able to sell? How many days can you spend selling? How much will you be able to sell? What will the average sale value be? How long after a sale will it be before you can collect payment? How much income can you realistically expect each month? Financial forecasts Your financial forecasts translate what you have already said about your business into numbers. A realistic sales forecast forms the basis for all your other figures. Your cashflow forecast shows how much money you expect to be flowing into and out of your bank account and when. You must show that your business will have access to enough money to survive. Your profit and loss (P& L) forecast gives a clear indication of how the business will move forward. Summarise the annual P& L forecast for each of the first two or three years of trading. If you are launching a larger start- up, you will also need projected balance sheets. Do not get too protective about your forecasts. You may need to revise them. Small business advisers at banks and your local business support organisation will often help you put together your forecasts free of charge. Financial requirements The cashflow forecast will show how much finance the business needs. Your assessment of the risks will determine whether or not you need to arrange contingency financing. Say how much finance you will want, when and in what forms. State what the finance will be used for. Confirm that you will be able to afford it. Assessing the risks. Look at the business plan and isolate areas where something could go wrong (eg if your main supplier closes down). Consider a range of what- if scenarios (eg what happens to your cashflow if sales are 2. If there are serious risks: you can arrange contingency funding to cover the finance you may need you may decide that the business is too risky and abandon the whole project. Appendices. 10. 1 Detailed financial forecasts (monthly sales, monthly cashflow, P& L) should usually be put in an appendix. For example, the profit margin on each product, debtor collection period, creditor payment period, stock turn, interest and exchange rates, equipment purchases. You may want to give other relevant information. Presenting the plan The more solid information you can gather for your own use, the better the business plan will be. But a banker or other outsider will not have time to read through all the details. Keep your business plan short. Focus on what the reader needs to know. Make it professional. Would reading your plan give an outsider a good feel for your business and a grasp of the key issues? How to Write a Business Plan Banks Can't Resist. In the book, Write Your Business Plan, the staff of Entrepreneur Media offer an in- depth understanding of what’s essential to any business plan, what’s appropriate for your venture and what it takes to ensure success. In this edited excerpt, the authors discuss the ABCs of getting a bank loan for your business. Many of the most successful businesses are financed by banks, which can provide small to moderate amounts of capital at market costs. They don’t want control—at least beyond the control exerted in the covenants of a loan document. And they don’t want ownership. Bankers make loans, not investments, and as a general rule, they don’t want to wind up owning your company. Bankers primarily provide debt financing. You take out a loan and pay it back, perhaps in installments consisting of principal and interest, perhaps in payments of interest only, followed by a balloon payment of the principal. One of the nice things about debt financing is that the entrepreneur doesn’t have to give up ownership of his company to get it. Bankers can usually be counted on to want minimal, if any, input into how the business is run. Get behind on the payment schedule, however, and you’re likely to find a host of covenants buried in your loan documentation. Loan covenants may require you to do all sorts of things, from setting a minimum amount of working capital you must maintain to prohibiting you from making certain purchases or signing leases without bank approval. Be sure to have your accountant, financial advisor or attorney review your loan documents and spell out everything for you very carefully before you sign. A banker’s first concern is getting the bank’s money back plus a reasonable return. To increase their odds, bankers look for certain things, including everything from a solid explanation of why you need the money and what you’re going to use it for to details about other borrowing or leasing deals you’ve entered into. Bank loan applications can be almost as long and complete as a full- fledged business plan. Plans and loan applications aren’t interchangeable, however. A banker may not be interested in your rosy projections of future growth. In fact, when confronted with the kind of growth projection required to interest a venture capitalist, a banker may be turned off. On the other hand, a banker is likely to be quite interested in seeing a contingency plan that will let you pay back the loan, even in the event of a worst- case scenario. The five things a banker will look for you to address are: 1. One of the most convincing things you can show a banker is the existence of a strong, well- documented flow of cash that will be more than adequate to repay a loan’s scheduled principal and interest. You’ll need more than a projection of future cash flow, by the way. Most bankers will want to see cash flow statements as well as balance sheets and income statements for the past three or so years. And don’t forget your tax returns for the same period. If you’re just starting out in business or dealing with a banker you don’t know well, you’re unlikely to be able to borrow from a bank without collateral. Collateral is just something the bank can seize and sell to get back some or all of the money you’ve borrowed in the event that everything goes wrong and you can’t pay it back with profits from operations. It may consist of machinery, equipment, inventory or, all too often, the equity you own in your home. Why do bankers seek collateral? They have no desire to own second- hand equipment or your house. Experience has taught them that entrepreneurs who have their own assets at risk are more likely to stick to a business than those who have none of their own assets at risk. They provide an added layer of protection for lenders. If your own capacity for taking on additional debt is shaky, a co- signer (who's essentially lending you their creditworthiness) may make the difference. More than ever before, bankers are taking a closer look at the marketing plans embedded in business plans. Strong competitors, price wars, me- too products, the fickle habits of the buying public and other market- related risks must be addressed. Your banker (and most other investors) have to know that you recognize these risks and have well- thought- out ways to deal with them. Besides, it’s the cash flow from operations that pays off bank loans. Bankers like to stress the personal aspect of their services. Many state that they're interested in making loans based on a borrower’s character as well as their financial strength. In fact, the borrower’s track record and management ability are concerns for bankers evaluating a loan application. If you can show you’ve run one or more other companies successfully, it will increase your chances of landing a loan to get a startup going. Bank financing is most appropriate for up- and- running enterprises that can show adequate cash flow and collateral to service and secure the loan. Bankers are less likely to provide startup money to turn a concept into a business, and they're even less likely to put up seed money to prove a concept unless you have a track record of launching previous businesses with successful results. The old saying about bankers lending only to people who don’t need to borrow is almost true. Bankers prefer to lend to companies that are almost, but not quite, financially robust enough to pursue their objective without the loan. Their natural tendency is to be conservative. This is important to understand because it affects how and when you will borrow. You should try to foresee times you’ll need to borrow money and arrange a line of credit or other loan before you need it. That will make it easier and, in many cases, cheaper in terms of interest rates than if you wait until you’re a needier and, in bankers’ eyes, less- attractive borrower. Manual Plastic Pail Closer. One pull of the handle provides even sealing pressure to ensure a positive seal of lid to pail. Spring loaded handle returns to up position when released. Built in burp plug eliminates air during closing. Closing height is adjustable by hand to accommodate 1, 3 and 5 gallon standard plastic pails. Frame and pressure plate are made of carbon steel with a painted finish. Vestil 5 Gallon Steel Pail Lid Closer PLC-5. Usually ships in 4 days. Buy it and Save at GLOBALindustrial.com. Overall height of unit is 3. This pail closer is not designed for closing UN plastic pails. It closes non UN plastic pails only. Note: To ensure a proper seal for your specific application a sample pail and lid must be sent to the pail closer manufacturer for a custom fit. Just call BASCO Customer Service Experts at 1. Manual Cover Closers pails trade offers directory and Manual Cover Closers pails business offers list. Trade leads from Manual Cover Closers pails Suppliers and Manual Cover Closers pails buyers provided by weiku.com. Pail Lid Closer,Manual Assist, Find Complete Details about Pail Lid Closer,Manual Assist,Pail Lid Closer from -CA-MAS Distribution, LLC Supplier or Manufacturer on Alibaba.com. Manual Plastic Pail Closer. Closes one, three and five gallon standard plastic pails. It is not designed to close the UN plastic pail/cover. If you are closing the UN gauge plastic, we recommend the Semi-Automatic Plastic Pail.
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