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    Financial History and Analysis: Debt Schedule

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    cristanob11
    The document discusses analyzing past financial information to forecast the future and includes templates for a financial history spreadsheet, debt schedule, 12-month and optional 4-year profit and loss projections, cash flow projection, projected balance sheet, and breakeven calculation. It stresses the importance of a financial plan for insight and estimates.

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    Financial History and Analysis: Debt Schedule

    Uploaded by

    cristanob11
    5 views1 page
    The document discusses analyzing past financial information to forecast the future and includes templates for a financial history spreadsheet, debt schedule, 12-month and optional 4-year profit and loss projections, cash flow projection, projected balance sheet, and breakeven calculation. It stresses the importance of a financial plan for insight and estimates.

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    Business plan sample -7

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    The document discusses analyzing past financial information to forecast the future and includes templates for a financial history spreadsheet, debt schedule, 12-month and optional 4-year profit and loss projections, cash flow projection, projected balance sheet, and breakeven calculation. It stresses the importance of a financial plan for insight and estimates.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    5 views1 page

    Financial History and Analysis: Debt Schedule

    Uploaded by

    cristanob11
    The document discusses analyzing past financial information to forecast the future and includes templates for a financial history spreadsheet, debt schedule, 12-month and optional 4-year profit and loss projections, cash flow projection, projected balance sheet, and breakeven calculation. It stresses the importance of a financial plan for insight and estimates.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 1

    Financial History and Analysis

    A solid analysis of the past must precede any serious attempt to forecast the future.The
    Financial History and Ratios spreadsheet allows you to put a great deal of financial infor-
    mation from other statements on a single page for ease of comprehension and analysis.
    Your financial information is presented in dollars and percentages. Key financial ratios are
    calculated automatically.You may also enter industry average ratios for comparison.

    For this section, please refer to the Financial History and Ratios Spreadsheet.

    In the Appendix, put year-end balance sheets, operating statements, and business
    income tax returns for the past 3 years, plus your most current balance sheet and operat-
    ing statement.

    Debt Schedule

    This table gives in-depth information that the financial statements themselves do not
    usually provide. Include a debt schedule in the following format for each note payable on
    your most recent balance sheet.
    Table 2: Debt Schedule Table
    To Whom Payable Original Amt. Original Date Present Balance Rate of Interest
    Maturity Date Monthly Payment Security Current/Past Due

    Financial plan

    The financial plan consists of a 12-month profit and loss projection, a four-year profit
    and loss projection (optional), a cash flow projection, a projected balance sheet, and a
    breakeven calculation. If you are planning a major expansion with heavy up-front and capi-
    tal expenses, then also add the Startup Expenses and Capitalization template which may be
    found in our accompanying Business Plan for Startup Businesses. It will help you budget
    the one-time costs associated with expansion.

    Together, these templates constitute a reasonable estimate of your company’s financial


    future. More importantly, however, the process of thinking through the financial plan will
    improve your insight into the inner financial workings of your company.

    Twelve Month Profit and Loss Projection

    Please refer to the Twelve-Month Profit and Loss Spreadsheet.

    Explain the major assumptions used to estimate company income & expenses.Your
    sales projection should come from the Annual Sales Forecast in the Marketing plan. Pay
    special attention to areas where historical performance varies markedly from your projec-
    tions.

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