5-YEAR FINANCIAL PLAN

Company Name

FORECASTED REVENUE/የተተነበየ ገቢ
Units sold Average Annual revenue
annually price per unit per product
Product 1 100 87.50 8,750.00
Product 2 430 100.00 43,000.00
Product 3 210 65.00 13,650.00
Product 4 540 25.00 13,500.00

TOTAL OF FORECASTED REVENUE 78,900.00

COST OF GOODS SOLD/የሚሸጡ ዕቃዎች ዋጋ

Expected Annual cost of
gross margin goods sold
Product 1 30% 2,625.00
Product 2 25% 10,750.00
Product 3 25% 3,412.50
Product 4 30% 4,050.00

TOATL COST OF GOODS SOLD 20,837.50

ANNUAL MAINTENANCE, REPAIR AND OVERHAUL

Factor (%) on capital equipment 0%

ASSET DEPRECIATION

Number of Years 1

TAX

Annual Tax Rate 35%

INFLATION

Annual Inflation Rate 2%

PRODUCT PRICE INCREASE

Annual Price Increase 2%

FUNDING/የገንዘብ ድጋፍ

Loan Amount 4,211,360.00

Annual interest rate 8.50%
Term of loan (months) 60
Monthly rate 0.68%
Payment 85,766.15
Total Amount Payable 5,145,968.97
PROFIT AND LOSS PROJECTION
Company Name

PROFIT AND LOSS ASSUMPTION

Year 1 Year 2 Year 3 Year 4 Year 5
Annual cumulative price (revenue) increase 0.00% 2.00% 4.00% 6.00% 8.00%
Annual cumulative inflation (expense) incre 0.00% 2.00% 4.00% 6.00% 8.00%

INCOME
Year 1 Year 2 Year 3 Year 4 Year 5
Revenue

Product 1 8,750.00 8,925.00 9,282.00 9,838.92 10,626.03

Product 2 43,000.00 43,860.00 45,614.40 48,351.26 52,219.37
Product 3 13,650.00 13,923.00 14,479.92 15,348.72 16,576.61
Product 4 13,500.00 13,770.00 14,320.80 15,180.05 16,394.45

Total revenue 78,900.00 80,478.00 83,697.12 88,718.95 95,816.46

Cost of Sales

Product 1 2,625.00 2,677.50 2,784.60 2,951.68 3,187.81

Product 2 10,750.00 10,965.00 11,403.60 12,087.82 13,054.84
Product 3 3,412.50 3,480.75 3,619.98 3,837.18 4,144.15
Product 4 4,050.00 4,131.00 4,296.24 4,554.01 4,918.34

Cost of goods sold 20,837.50 21,254.25 22,104.42 23,430.69 25,305.14

Gross Profit 58,062.50 59,223.75 61,592.70 65,288.26 70,511.32

Non-Operation Income

Rental - - - - -
Interest income/የወለድ ገቢ - - - - -
Loss (gain) on sale of assetsበንብረት ሽያጭ ላይ ኪሳራ (ትርፍ)- - 1,000.00 - -
Other income (specify) - - - - -

Toatal Non-Operation Income - - 1,000.00 - -

TOTAL INCOME 58,062.50 59,223.75 62,592.70 65,288.26 70,511.32

EXPENSES

Operating expenses

Sales and marketing/የሽያጭ እና ግብይት 15,000.00 15,300.00 15,912.00 16,866.72 18,216.06

 Depreciation/የዋጋ ቅነሳ 30,000.00 30,600.00 31,200.00 31,800.00 32,400.00
Insurance 7,500.00 7,650.00 7,956.00 8,433.36 9,108.03
Payroll and Payroll Tax 21,000.00 21,420.00 22,276.80 23,613.41 25,502.48
Property taxes/የንብረት ግብር 2,500.00 2,550.00 2,652.00 2,811.12 3,036.01
Maintenance, repair, and overhaul - - - - -
Utilities 5,000.00 5,100.00 5,304.00 5,622.24 6,072.02
Administrative fees/አስተዳደራዊ ክፍያዎች 300.00 306.00 318.24 337.33 364.32
Interest expense on long-term debt/የወለድ ወጪ
318,460.46 258,048.12 192,500.74 121,381.83 44,217.82
Other 1,000.00 1,020.00 1,060.80 1,124.45 1,214.40

Total operating expenses 400,760.46 341,994.12 279,180.58 211,990.46 140,131.14

Non-Recurring Expenses

Unexpected Expenses/ያልተጠበቁ ወጪዎች - - - -

Other expenses - - - - -

Total Non-Recurring Expenses - - - - -

TOTAL EXPENSES 400,760.46 341,994.12 279,180.58 211,990.46 140,131.14

TAXES

Income Tax/የገቢ ግብር - 119,944.29 - 98,969.63 - 75,805.76 - 51,345.77 - 24,366.93

Other Tax (specify) - - - - -

TOTAL TAXES - 119,944.29 - 98,969.63 - 75,805.76 - 51,345.77 - 24,366.93

NET PROFIT - 222,753.67 - 183,800.74 - 140,782.12 - 95,356.43 - 45,252.88

BALANCE SHEET PROJECTION
Company Name

ASSETS

Current Assets Initial balance Year 1 Year 2 Year 3

Cash and short-term investments/ጥሬ ገንዘብ እና የአጭር ጊዜ 50,000.00

ኢንቨስትመንቶች- 753,487.01 - 1,727,833.42 - 2,650,108.60
Accounts receivable/ለመቀበል የሚቻሉ አካውንቶች 3,000.00 3,000.00 3,000.00 3,000.00
Total inventory/ጠቅላላ ክምችት 25,000.00 25,000.00 25,000.00 25,000.00
Prepaid expenses/አስቀድመው የተከፈሉ ወጪዎች - - - -
Deferred income tax/የዘገየ የገቢ ግብር - - - -
Other current assets/ያነሰ የተጠራቀመ የዋጋ ቅናሽ ወጪ 5,000.00 5,000.00 5,000.00 5,000.00

Total current assets 83,000.00 - 720,487.01 - 1,694,833.42 - 2,617,108.60

Property and Equipment Initial balance Year 1 Year 2 Year 3

Buildings 20,000.00 20,000.00 20,000.00 20,000.00

Land 10,000.00 10,000.00 10,000.00 10,000.00
Capital improvements/የካፒታል ማሻሻያዎች - - - -
Machinery and equipment/ማሽኖች እና መሳሪያዎች 10,000.00 10,000.00 10,000.00 10,000.00
Less Accumulated depreciation expense/ 30,000.00 60,600.00 91,800.00

Total Property and Equipment 40,000.00 10,000.00 - 20,600.00 - 51,800.00

Other Assets Initial balance Year 1 Year 2 Year 3

Goodwill/በጎ ፈቃድ - - - -
Deferred income tax/የዘገየ የገቢ ግብር - - - -
Long-term investments/የረጅም ጊዜ ኢንቨስትመንቶች - - - -
Deposits/ተቀማጭ ገንዘብ - - - -
Other long-term assets/የረጅም ጊዜ ንብረቶች - - - -

Total Other Assets - - - -

TOTAL ASSETS 123,000.00 - 710,487.01 - 1,715,433.42 - 2,668,908.60

LIABILITIES

Current Liabilities Initial balance Year 1 Year 2 Year 3

Accounts payable/የሚከፈሉ ሂሳቦች 2,000.00 2,000.00 2,000.00 2,000.00

Accrued expenses/የተጠራቀሙ ወጪዎች - - - -
Notes payable/short-term debt/የሚከፈል/የአጭር ጊዜ ዕዳ ማስታወሻዎች - - - -
Capital leases/የካፒታል ኪራይ ውል - - - -
Other current liabilities/የቅርብ ግዜ አዳ 100.00 100.00 100.00 100.00

Total Current Liabilities 2,100.00 2,100.00 2,100.00 2,100.00

Debt Initial balance Year 1 Year 2 Year 3

Long-term debt/loan/የረጅም ጊዜ ዕዳ / ብድር 4,211,360.00 3,500,626.66 2,729,480.99 1,892,787.94

Other long-term debt/ሌሎች የረጅም ጊዜ ዕዳዎች 100,000.00 200,000.00 150,000.00 175,000.00
 Total Debt 4,313,460.00 3,702,726.66 2,881,580.99 2,069,887.94

Other Liabilities Initial balance Year 1 Year 2 Year 3

Other liabilities (specify)/ሌሎች እዳዎች - - - -

Other liabilities (specify)/ሌሎች እዳዎች - - - -

Total Other Liabilities - - - -

TOTAL LIABILITIES 4,213,460.00 3,502,726.66 2,731,580.99 1,894,887.94

EQUITY

Initial balance Year 1 Year 2 Year 3

Owner's equity (common)/የባለቤት እኩልነት 50,000.00 50,000.00 50,000.00 50,000.00
Paid-in capital/የተከፈለ ካፒታል 250,000.00 250,000.00 250,000.00 250,000.00
Preferred equity - - - -
Retained earnings/የተያዙ ገቢዎች - - 222,753.67 - 406,554.42 - 547,336.54

TOTAL EQUITY 300,000.00 77,246.33 - 106,554.42 - 247,336.54

TOTAL LIABILITIES AND EQUITY 4,513,460.00 3,579,972.99 2,625,026.58 1,647,551.40

 Year 4 Year 5

- 3,571,476.99 - 4,644,305.85
3,000.00 3,000.00
25,000.00 25,000.00
- -
- -
5,000.00 5,000.00

- 3,538,476.99 - 4,611,305.85

Year 4 Year 5

20,000.00 20,000.00
10,000.00 10,000.00
- -
10,000.00 10,000.00
123,600.00 156,000.00

- 83,600.00 - 116,000.00

Year 4 Year 5

- -
- -
- -
- -
- -

- -

- 3,622,076.99 - 4,727,305.85

Year 4 Year 5

2,000.00 2,000.00
- -
- -
- -
100.00 100.00

2,100.00 2,100.00

Year 4 Year 5

984,975.98 -
225,000.00 150,000.00
 1,212,075.98 152,100.00

Year 4 Year 5

- -
- -

- -

987,075.98 2,100.00

Year 4 Year 5
50,000.00 50,000.00
250,000.00 250,000.00
- -
- 642,692.97 - 687,945.85

- 342,692.97 - 387,945.85

644,383.01 - 385,845.85
CASH FLOW PROJECTION

Company Name

Operating activities Year 1 Year 2 Year 3 Year 4 Year 5

Net income - 222,753.67 - 183,800.74 - 140,782.12 - 95,356.43 - 45,252.88

Depreciation/የዋጋ ቅነሳ 30,000.00 30,600.00 31,200.00 31,800.00 32,400.00
Accounts receivable/ለመቀበል የሚቻሉ አካውንቶች - - - - -
Inventories/ኢንቬንቶሪዎች - - - - -
Accounts payable - - - - -
Amortization/ማሟጠጥ - - - - -
Other liabilities/ሌሎች እዳዎች - - - - -
Other operating cash flow items/የክወና የገንዘብ ፍሰት - - - - -

Total operating activities - 192,753.67 - 153,200.74 - 109,582.12 - 63,556.43 - 12,852.88

Investing activities Year 1 Year 2 Year 3 Year 4 Year 5

Capital expenditures/የካፒታል ወጭዎች - - - - -

Acquisition of business/የንግድ ሥራ ማግኘት - - - -
Sale of fixed assets/ቋሚ ንብረቶች ሽያጭ - - - 1,000.00 - -
Other investing cash flow items/ - - - - -

Total investing activities - - - 1,000.00 - -

Financing activities Year 1 Year 2 Year 3 Year 4 Year 5

Long-term debt/financing - 610,733.34 - 821,145.67 - 811,693.05 - 857,811.96 - 1,059,975.98

Preferred stock/ተመራጭ አክሲዮን - - - - -
Total cash dividends paid - - - - -
Common stock/የጋራ አክሲዮን - - - - -
Other financing cash flow items - - - - -

Total financing activities - 610,733.34 - 821,145.67 - 811,693.05 - 857,811.96 - 1,059,975.98

Cumulative cash flow - 803,487.01 - 974,346.41 - 922,275.18 - 921,368.39 - 1,072,828.86

Beginning cash balance 50,000.00 - 753,487.01 - 1,727,833.42 - 2,650,108.60 - 3,571,476.99

Ending cash balance - 753,487.01 - 1,727,833.42 - 2,650,108.60 - 3,571,476.99 - 4,644,305.85

 Total

- 687,945.85
156,000.00
-
-
-
-
-
-

- 531,945.85

Total

-
-
- 1,000.00
-

- 1,000.00

Total

- 4,161,360.00
-
-
-
-

- 4,161,360.00

- 4,694,305.85
LOAN AMORTIZATION SCHEDULE
Company Name

NOTE: Loan Amortization calculations are limited for up to 30 years (360 months).

MONTH BALANCE PAYMENT/የታቀደ ክፍያ PRINCIPAL/ዋና INTEREST/ወለድ

4,211,360.00
1 4,211,360.00 85,766.15 57,038.39 28,727.76
2 4,154,321.61 85,766.15 57,427.47 28,338.68
3 4,096,894.14 85,766.15 57,819.21 27,946.94
4 4,039,074.93 85,766.15 58,213.63 27,552.52
5 3,980,861.30 85,766.15 58,610.73 27,155.42
6 3,922,250.57 85,766.15 59,010.54 26,755.61
7 3,863,240.03 85,766.15 59,413.08 26,353.07
8 3,803,826.95 85,766.15 59,818.37 25,947.78
9 3,744,008.58 85,766.15 60,226.42 25,539.73
10 3,683,782.16 85,766.15 60,637.25 25,128.90
11 3,623,144.90 85,766.15 61,050.89 24,715.26
12 3,562,094.01 85,766.15 61,467.35 24,298.80
13 3,500,626.66 85,766.15 61,886.65 23,879.50
14 3,438,740.02 85,766.15 62,308.81 23,457.34
15 3,376,431.21 85,766.15 62,733.85 23,032.30
16 3,313,697.36 85,766.15 63,161.78 22,604.36
17 3,250,535.58 85,766.15 63,592.64 22,173.51
18 3,186,942.93 85,766.15 64,026.44 21,739.71
19 3,122,916.49 85,766.15 64,463.20 21,302.95
20 3,058,453.30 85,766.15 64,902.93 20,863.22
21 2,993,550.37 85,766.15 65,345.67 20,420.48
22 2,928,204.70 85,766.15 65,791.42 19,974.73
23 2,862,413.28 85,766.15 66,240.22 19,525.93
24 2,796,173.07 85,766.15 66,692.07 19,074.08
25 2,729,480.99 85,766.15 67,147.01 18,619.14
26 2,662,333.98 85,766.15 67,605.06 18,161.09
27 2,594,728.92 85,766.15 68,066.22 17,699.93
28 2,526,662.70 85,766.15 68,530.54 17,235.61
29 2,458,132.16 85,766.15 68,998.02 16,768.13
30 2,389,134.15 85,766.15 69,468.69 16,297.46
31 2,319,665.46 85,766.15 69,942.57 15,823.58
32 2,249,722.89 85,766.15 70,419.68 15,346.47
33 2,179,303.21 85,766.15 70,900.05 14,866.10
34 2,108,403.17 85,766.15 71,383.69 14,382.46
35 2,037,019.47 85,766.15 71,870.63 13,895.51
36 1,965,148.84 85,766.15 72,360.90 13,405.25
37 1,892,787.94 85,766.15 72,854.51 12,911.64
38 1,819,933.43 85,766.15 73,351.49 12,414.66
39 1,746,581.95 85,766.15 73,851.85 11,914.30
40 1,672,730.09 85,766.15 74,355.63 11,410.52
41 1,598,374.46 85,766.15 74,862.85 10,903.30
42 1,523,511.61 85,766.15 75,373.53 10,392.62
43 1,448,138.09 85,766.15 75,887.69 9,878.46
44 1,372,250.40 85,766.15 76,405.35 9,360.80
45 1,295,845.05 85,766.15 76,926.55 8,839.60
46 1,218,918.50 85,766.15 77,451.31 8,314.84
47 1,141,467.19 85,766.15 77,979.64 7,786.51
48 1,063,487.55 85,766.15 78,511.58 7,254.57
49 984,975.98 85,766.15 79,047.14 6,719.01
50 905,928.84 85,766.15 79,586.36 6,179.79
51 826,342.47 85,766.15 80,129.26 5,636.89
52 746,213.21 85,766.15 80,675.86 5,090.29
53 665,537.35 85,766.15 81,226.19 4,539.96
54 584,311.16 85,766.15 81,780.27 3,985.87
55 502,530.89 85,766.15 82,338.14 3,428.01
56 420,192.75 85,766.15 82,899.81 2,866.34
57 337,292.94 85,766.15 83,465.31 2,300.84
58 253,827.63 85,766.15 84,034.67 1,731.48
59 169,792.97 85,766.15 84,607.91 1,158.24
60 85,185.06 85,766.15 85,185.06 581.09
NOTES AND ASSUMPTIONS
Company Name

[Document key financial planning assumptions here.]

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