Fillable Printable Business Plan Form - CEDA
Fillable Printable Business Plan Form - CEDA
Business Plan Form - CEDA
CEDA BUSINESS PLAN FORM | PAGE 1
Business Plan Form
Business Plan Attached
If a business plan is attached it should contain at least all of the information requested in this form. You
do not have fill in this form if you are attaching a business plan. The higher the quality of the business
plan the easier it is to assess the viability of your project – give as much information!
PLEASE NOTE: IF THIS PROJECT IS APPROVED YOU WILL BE REQUIRED TO SIGN A CONTRACT
WITH CEDA AND THIS BUSINESS PLAN WILL FORM PART OF THE CONTRACT – THERE ARE
CONSEQUENCES FOR NOT PERFORMING AS PER THE CONTRACT
(e.g. calling in of the loan, calling on
personal guarantees).
PLEASE TAKE THIS BUSINESS PLAN SERIOUSLY
Yes [ ] No [ ]
Effective 03-02-2010
CEDA BUSINESS PLAN FORM | PAGE 2
Introduction and Capital Costs
How long have you / company been trading for?
Project Capital Costs
Pula
Detail the cost of the project covering at least the following items:
How much will the land cost? (if required or not rented)
How much will the buildings cost? (if required or not rented)
How much will the machinery cost?
How much will the transport cost? (if vehicles required for business)
How much will the furniture & fixtures cost?
How much will the installations of machinery and utilities (water, electricity, telephones) cost?
How much will it cost for technical assistance (advice, designs, accounting)?
How much will the working capital be? (debtors + stock + cash on hand - creditors)
What other costs are there and how much are they?
TOTAL PROJECT COSTS
Financing Plan
Indicate how the project is going to be funded showing at least the following items:
Owners contribution: How much will you be putting into the business:
Cash
Assets (land, transport, equipment?)
Amount
Other loans: What other loans do you have at the moment or
intend to borrow to finance this project?
Bank Name
Overdraft facilities
What overdraft facilities do you have?
CEDA LOAN
Total Project Financing
CEDA BUSINESS PLAN FORM | PAGE 3
Ownership and Management
Management Team
Who will manage the business? Indicate their suitability to do so (e.g. experience in this kind of business or in this sector).
Name Experience
Owners Personal Balance Sheet
Personal Balance Sheet of:
Spouses name:
Married in/out of community: Yes/No
ASSETS:
Immovable Property:
Plot No Location Type of Land Size
Remaining
Lease
Estimated Value
Movable Assets:
Type of Assets Original Cost Year of Acquisition Net Book Value
Vehicles
Machines and
Equipment
Furniture and
Fixtures
Livestock
Debts / Receivables
Shares in Companies
Other Assets
Fixed Deposits with Banks
Cash at Bank and in Hand
Total Assets
LIABILITIES:
Loans secured by Mortgage over Immovable Property
Loans under Hire Purchase
Tax Liabilities
Personal Loans
Creditors
Other Liabilities
Any contingent liability as guarantor for other or
bonds over property / assets used as security
Total Liabilities
CEDA BUSINESS PLAN FORM | PAGE 4
Present Proposal
Project Location
Give the location and plot number, where applicable, of the project. In the case where the project is going to lease premises, provide the
lease agreement.
Production Process
Give a clear production process from raw material stage to finished goods. How will you produce the goods you want to sell?
What is the most you can produce? (Estimated capacity and useful asset / plant life (where applicable)).
How long before you have to replace your plant / equipment? (Plant / equipment replacement schedule).
How much will you be producing at the start of the project and when will you increase your production, by how much? (Build up of capacity
utilization and breakeven capacity utilization).
What could go wrong with the production process and what measures will you put in place to overcome it? (Discuss possible production
risks).
CEDA BUSINESS PLAN FORM | PAGE 5
Market
Target Market:
Who will you sell your services or product to?
Market Size:
How many products/services in total could be sold and at what price?
Competitors:
The current suppliers of goods and services: Who is selling these services
or goods now?
Market share of your competitors:
How many of your kind of products are being sold at the moment?
How many people or companies are buying the services you want to
sell?
At what price are the goods or services being sold?
What percentage of the market is supplied by each competitor and at
what price?
Market share your project intends to archive:
How many of the products or services will you sell or supply?
What percentage of the market does your operation aim to capture?
Market strategies the project will use to gain this market
share:
What will you be doing differently from your competitors in providing
your product or service (Will you be cheaper, or have better quality or
have better service?)
Distribution channels:
How will you get your product or service to the buyers?
CEDA BUSINESS PLAN FORM | PAGE 6
Supply Channels:
Where will you get your products or your raw materials?
How many suppliers are there?
How reliable are your suppliers?
Pricing:
What is the price your competitors are selling products like yours for?
What price will you sell your product or service for?
How much profit do you make on each sale? (i.e. selling price less cost
price).
Promotions:
How will your target market know of your existence and why will they buy
from you?
Analyze possible market risks:
How can your competitors stop you from selling?
Have the suppliers been in business for a long time?
What will stop suppliers from selling to you?
How reliable is transport to the people you want to sell to?
What will stop buyers from buying from you?
What are the measures put in place to minimize the risks?
CEDA BUSINESS PLAN FORM | PAGE 7
Implementation Schedule
Promoters are required to give an implementation schedule of the project. Approval of the loan will lapse after six months if the project
does not start. Detailed implementation for completion of various activities such as planning permissions, financing, construction,
administrative issues and technical matters. Describe separate phases where appropriate. A bar chart (Gantt chart) can be used to
show various stages of the project.
When will the project start?
What is the first thing that must happen?
When?
List the activities that must happen thereafter with reasonable
dates:
Project Benefits
Why is this project a good project – who will it help? How much employment will it create? How is the community better off if this project is
successful? How is the economy better off if this project succeeds?
CEDA BUSINESS PLAN FORM | PAGE 8
Inputs and Employment
Indicate what inputs are required, the cost of the inputs by showing at list the following items:
Total cost of raw materials?
How much will transport cost you?
Is there a cheaper place to buy stock from?
How many people will you employ and what kind of skills should they have?
What wages are you going to pay your employees?
Are you going to train your employees?
How much will training cost?
Will you be going on training?
How much will it cost?
What other costs could there be?
Electricity
Water
Telephone
Stationery
Petrol
Etc.
Loan Repayments
TOTAL
Financial Projections
Projected
Actual Year 1 Year 2 Year 3 Year 4 Year 5
TRADING RESULTS
Total Sales
Stock on Hand at beginning of period
Total Purchases
Total Stock on Hand at end of period
Gross Profit
Total expenses
Depreciation
Loan repayments
Tax paid
Net Profit
Assumptions
Sale units
Sales price
Variable costs
Overhead expenses
Depreciation rates used
Tax rates used
Other assumptions
CEDA BUSINESS PLAN FORM | PAGE 9
Projected
Actual Year 1 Year 2 Year 3 Year 4 Year 5
BALANCE SHEET
Fixed Assets
Less Accumulated Depreciation
Net Fixed Assets
Investments
Current Assets
Stock
Debtors
Cash at Bank
Total Current Assets
Current Liabilities
Creditors
Taxation
Loans – current portion
Bank overdraft
Total Current Liabilities
Net Current Assets
Total Net Assets
Capital Employed
Equity
Share Capital
Retained Earnings
Capital Reserve
Shareholders Loans
Shareholders Interest
Grants
Long Term Liabilities
Loans
Deferred Tax
Total Capital Employed
CASHFLOW
Gross collections
Increase in shareholders loans
Interest income
Increase in bank loans
Total Inflow
Payments to creditors/stock
purchase
Sales tax and customs duty
Total expenses paid
Net cash inflow before financing
Loan repayments
Interest on overdraft
Taxation paid
Asset purchases
Net cash inflow after financing
Balance b/fwd
Balance c/fwd
CEDA BUSINESS PLAN FORM | PAGE 10
Risk and Sensitivity
A statement of possible risks is required, capital expense overruns, limited market penetration, labor and technical risk factors. Address
how those will be overcome. Where considered necessary, an environmental impact assessment study may be required. Determine
what components of the forecasted cash flow affect viability of the project significantly, such as decreases in sales, changes in input cost
or in market share.
What could stop me from succeeding?
Is my machinery insured?
Am I insured?
Can somebody in my family take over if I am ill?
Can I get spares for my machinery?
What will stop me from selling the amount I said I would sell?
Does the price of my stock go up quickly?
Can I get enough people into my business to do the work?
SWOT Analysis
Promoters are required to give a summery of the strengths, weaknesses, opportunities and threats of the project. Strengths and weaknesses
are internal to the company while opportunities and threats are external to the company.
What is my business going to do better than my competitors?
What is strong in my business?
What is weak in my business?
Where else can I increase my sales?
What can hurt my business?
CEDA BUSINESS PLAN FORM | PAGE 11
Security
Detail the nature of security offered such as property, other assets and guarantees. Remember assets offered as security, should not be
encumbered by any other financiers or creditors.
Description Age Original Cost
Open Market/Book
Value
Estimated Forced
Sale Value
Immovable property (Lot no, location)
Machinery and Equipment
Motor Vehicles
Livestock
Bank Guarantee
Any other guarantee
Life Insurance Policy (surrender value)
Other
Declaration
I/we hereby declare that the information provided above is, to the best of my/our knowledge and belief, true and correct. I/we further declare
that the money borrowed shall be used solely for the purpose indicated above and that the is no legal impediment for the intended use.
Signed
Managing Director/Principal Partner/Principal Applicant
