ࡱ>  ;|Jbjbj jj@l $ )))Pշ4 6*6l++++l-l-l-$\ |'Q l-F-"h-l-l-'0 ++x000l- + +0l-0r06Fr + z~ )|-T4000 t  (Firm Name) MACROBUTTON NoMacro [Click here to enter NAME or TITLE.] PREPARED BY: MACROBUTTON NoMacro [Click here to enter author(s).] MACROBUTTON NoMacro [Click here to enter Date ] table of contents THIS PAGE INTENTIONAL BLANK COVER SHEET (with Title, Contact Info, etc.) Executive Summary SECTION 1 The Business Brief overview of the plan, identifying the sections and topics. Description of business In this section, provide a detailed description of your business. An excellent question to ask yourself is: "What business am I in?" In answering this question include your products, market and services as well as a thorough description of what makes your business unique. Remember, however, that as you develop your business plan, you may have to modify or revise your initial questions. The business description section is divided into three primary sections: Section 1 actually describes your business, Section 2 the product or service you will be offering, and Section 3 the location of your business, and why this location is desirable (if you have a franchise, some franchisors assist in site selection). When describing your business, generally you should explain: Legalities - business form: proprietorship, partnership, corporation. The licenses or permits you will need. Business type: merchandizing, manufacturing or service. What your product or service is. Is it a new independent business, a takeover, an expansion, a franchise? Why your business will be profitable. What are the growth opportunities? Will franchising impact on growth opportunities? When your business will be open (days, hours)? What you have learned about your kind of business from outside sources (trade suppliers, bankers, other franchise owners, franchisor, publications). A cover sheet goes before the description. It includes the name, address and telephone number of the business, and the names of all principals. In the description of your business, describe the unique aspects and how or why they will appeal to consumers. Emphasize any special features that you feel will appeal to customers and explain how and why these features are appealing. The description of your business should clearly identify goals and objectives and it should clarify why you are, or why you want to be, in business. Product/Service Try to describe the benefits of your goods and services from your customers' perspective. Successful business owners know or at least have an idea of what their customers want or expect from them. This type of anticipation can be helpful in building customer satisfaction and loyalty. And, it certainly is a good strategy for beating the competition or retaining your competitiveness. Describe: What you are selling. How your product or service will benefit the customer. Which products/services are in demand; if there will be a steady flow of cash. What is different about the product or service your business is offering. The Location (if appropriate) The location of your business can play a decisive role in its success or failure. Your location should be built around your customers, it should be accessible and it should provide a sense of security. Consider these questions when addressing this section of your business plan: What are your location needs? What kind of space will you need? Why is the area desirable? the building desirable? Is it easily accessible? Is public transportation available? Is street lighting adequate? Are market shifts or demographic shifts occurring? It may be a good idea to make a checklist of questions you identify when developing your business plan. Categorize your questions and, as you answer each question, remove it from your list. Marketing Marketing plays a vital role in successful business ventures. How well you market you business, along with a few other considerations, will ultimately determine your degree of success or failure. The key element of a successful marketing plan is to know your customers-their likes, dislikes, expectations. By identifying these factors, you can develop a marketing strategy that will allow you to arouse and fulfill their needs. Identify your customers by their age, sex, income/educational level and residence. At first, target only those customers who are more likely to purchase your product or service. As your customer base expands, you may need to consider modifying the marketing plan to include other customers. Develop a marketing plan for your business by answering these questions. (Potential franchise owners will have to use the marketing strategy the franchisor has developed.) Your marketing plan should be included in your business plan and contain answers to the questions outlined below. Who are your customers? Define your target market(s). Are your markets growing? steady? declining? Is your market share growing? steady? declining? If a franchise, how is your market segmented? Are your markets large enough to expand? How will you attract, hold, increase your market share? If a franchise, will the franchisor provide assistance in this area? Based on the franchisor's strategy? how will you promote your sales? What pricing strategy have you devised? Appendix I contains a sample Marketing Plan and Marketing Tips, Tricks and Traps, a condensed guide on how to market your product or service. Study these documents carefully when developing the marketing portion of your business plan. Competition Competition is a way of life. We compete for jobs, promotions, scholarships to institutes of higher learning, in sports-and in almost every aspect of your lives. Nations compete for the consumer in the global marketplace as do individual business owners. Advances in technology can send the profit margins of a successful business into a tailspin causing them to plummet overnight or within a few hours. When considering these and other factors, we can conclude that business is a highly competitive, volatile arena. Because of this volatility and competitiveness, it is important to know your competitors. Questions like these can help you: Who are your five nearest direct competitors? Who are your indirect competitors? How are their businesses: steady? increasing? decreasing? What have you learned from their operations? from their advertising? What are their strengths and weaknesses? How does their product or service differ from yours? Start a file on each of your competitors. Keep manila envelopes of their advertising and promotional materials and their pricing strategy techniques. Review these files periodically, determining when and how often they advertise, sponsor promotions and offer sales. Study the copy used in the advertising and promotional materials, and their sales strategy. For example, is their copy short? descriptive? catchy? or how much do they reduce prices for sales? Using this technique can help you to understand your competitors better and how they operate their businesses. Pricing and Sales Your pricing strategy is another marketing technique you can use to improve your overall competitiveness. Get a feel for the pricing strategy your competitors are using. That way you can determine if your prices are in line with competitors in your market area and if they are in line with industry averages. Some of the pricing strategies are: Retail cost and pricing Competitive position Pricing below competition Pricing above competition Price lining Multiple pricing Service costs and pricing (for service businesses only) service components material costs labor costs overhead costs The key to success is to have a well-planned strategy, to establish your policies and to constantly monitor prices and operating costs to ensure profits. Even in a franchise where the franchisor provides operational procedures and materials, it is a good policy to keep abreast of the changes in the marketplace because these changes can affect your competitiveness and profit margins. Appendix 3 contains a sample Price/Quality Matrix, review it for ideas on pricing strategies for your competitors. Determine which of the strategies they use, if it is effective and why it is effective. Advertising and Public Relations How you advertise and promote your goods and services may make or break your business. Having a good product or service and not advertising and promoting it is like not having a business at all. Many business owners operate under the mistaken concept that the business will promote itself, and channel money that should be used for advertising and promotions to other areas of the business. Advertising and promotions, however, are the life line of a business and should be treated as such. Devise a plan that uses advertising and networking as a means to promote your business. Develop short, descriptive copy (text material) that clearly identifies your goods or services, its location and price. Use catchy phrases to arouse the interest of your readers, listeners or viewers. In the case of a franchise, the franchisor will provide advertising and promotional materials as part of the franchise package, you may need approval to use any materials that you and your staff develop. Whether or not this is the case, as a courtesy, allow the franchisor the opportunity to review, comment on and, if required, approve these materials before using them. Make sure the advertisements you create are consistent with the image the franchisor is trying to project. Remember the more care and attention you devote to your marketing program, the more successful your business will be. MANAGEMENT PLAN Managing a business requires more than just the desire to be your own boss. It demands dedication, persistence, the ability to make decisions and the ability to manage both employees and finances. Your management plan, along with your marketing and financial management plans, sets the foundation for and facilitates the success of your business. Like plants and equipment, people are resources-they are the most valuable asset a business has. You will soon discover that employees and staff will play an important role in the total operation of your business. Consequently, it's imperative that you know what skills you possess and those you lack since you will have to hire personnel to supply the skills that you lack. Additionally, it is imperative that you know how to manage and treat your employees. Make them a part of the team. Keep them informed of, and get their feedback regarding, changes. Employees oftentimes have excellent ideas that can lead to new market areas, innovations to existing products or services or new product lines or services which can improve your overall competitiveness. Your management plan should answer questions such as: How does your background/business experience help you in this business? What are your weaknesses and how can you compensate for them? Who will be on the management team? What are their strengths/weaknesses? What are their duties? Are these duties clearly defined? If a franchise, what type of assistance can you expect from the franchisor? Will this assistance be ongoing? What are your current personnel needs? What are your plans for hiring and training personnel? What salaries, benefits, vacations, holidays will you offer? If a franchise, are these issues covered in the management package the franchisor will provide? What benefits, if any, can you afford at this point? If a franchise, the operating procedures, manuals and materials devised by the franchisor should be included in this section of the business plan. Study these documents carefully when writing your business plan, and be sure to incorporate this material. The franchisor should assist you with managing your franchise. Take advantage of their expertise and develop a management plan that will ensure the success for your franchise and satisfy the needs and expectations of employees, as well as the franchisor. SECTION 2 FINANCIALS Financial Data Sound financial management is one of the best ways for your business to remain profitable and solvent. How well you manage the finances of your business is the cornerstone of every successful business venture. Each year thousands of potentially successful businesses fail because of poor financial management. As a business owner, you will need to identify and implement policies that will lead to and ensure that you will meet your financial obligations. To effectively manage your finances, plan a sound, realistic budget by determining the actual amount of money needed to open your business (start-up costs) and the amount needed to keep it open (operating costs). The first step to building a sound financial plan is to devise a start-up budget. Your start-up budget will usually include such one-time-only costs as major equipment, utility deposits, down payments, etc. The accounting system and the inventory control system that you will be using is generally addressed in this section of the business plan also. If a franchise, the franchisor may stipulate in the franchise contract the type of accounting and inventory systems you may use. If this is the case, he or she should have a system already intact and you will be required to adopt this system. Whether you develop the accounting and inventory systems yourself, have an outside financial advisor develop the systems or the franchisor provides these systems, you will need to acquire a thorough understanding of each segment and how it operates. Your financial advisor can assist you in developing this section of your business plan. Other questions that you will need to consider are: What type of accounting system will your use? Is it a single entry or dual entry system? What will your sales goals and profit goals for the coming year be? If a franchise, will the franchisor set your sales and profit goals? Or, will he or she expect you to reach and retain a certain sales level and profit margin? What financial projections will you need to include in your business plan? What kind of inventory control system will you use? Your plan should include an explanation of all projections. Unless you are thoroughly familiar with financial statements, get help in preparing your cash flow and income statements and your balance sheet. Your aim is not to become a financial wizard, but to understand the financial tools well enough to gain their benefits. Your accountant or financial advisor can help you accomplish this goal. Start-up Budget The start-up budget should allow for these expenses. Personnel (costs prior to opening) Legal/professional fees Occupancy Licenses/permits Equipment Insurance Supplies Advertising/promotions Salaries/wages Accounting Income Utilities Payroll expenses An operating budget is prepared when you are actually ready to open for business. The operating budget will reflect your priorities in terms of how your spend your money, the expenses you will incur and how you will meet those expenses (income). Your operating budget also should include money to cover the first three to six months of operation. It should allow for the following expenses. Operating Budget personnel Insurance Rent Depreciation Loan payments Advertising/promotions Legal/accounting Miscellaneous expenses Supplies Payroll expenses Salaries/wages Utilities Dues/subscriptions/fees Taxes Repairs/maintenance Loan applications  FORMTEXT       Capital equipment and supply list  FORMTEXT       Balance sheet  FORMTEXT       Breakeven analysis  FORMTEXT       Pro-forma income projections (profit & loss statements)  FORMTEXT       Assumptions upon which projections were based Three-year summary  FORMTEXT       Detail by month, first year  FORMTEXT       Detail by quarters, second and third years  FORMTEXT       Pro-forma cash flow  FORMTEXT       Supporting Documents  FORMTEXT       Tax returns of principals for last three years  FORMTEXT       Personal financial statement(s)  FORMTEXT       Franchise Documents  FORMTEXT       Copy of proposed lease or purchase agreement for building space  FORMTEXT       Copy of licenses and other legal documents  FORMTEXT       Copy of resumes of all principals Copies of Letters of Intent from suppliers (TITLE) PAGE  PAGE 2-9 59PQRSTUVW]_`dpqrּ~vlv~eca65 CJ OJQJ56CJ OJQJ5CJ OJQJj5CJ OJQJU5>*CJ OJQJ5CJOJQJ\5CJHOJQJ\5CJOJQJ5CJHOJQJCJ856CJHOJQJ6CJ$OJQJ5CJ$OJQJjCJ$OJQJU CJ$OJQJ 5OJQJ6CJ4jUmHnHuCJ!TVXYZ[\]`abcd$a$ $&dPa$$a$ $a$%H{J|dq t $dN%$a$$a$3EG~PQ  u v 23TU!"[\sttu] ^ $$$$'%(%j'k'''((******<.=.22V35OJQJ\^JNH>*CJCJOJQJCJCJ$56CJ$OJQJ5CJ$OJQJj5CJ$OJQJUL      !"#$$%&'()*+,-./0123EFGHIJKLMOPQRS%STUVWXYZ[\]^_`ab~ &dP &dP%$a$"; 7s  E  X   dd[$\$ h  H_23Qi:no-8 (_#^ h  ]U 8!]!v!!!!!!"/"?"L" X  h L"["]"#$$$&0*A*+../T/y////'0I0q00G1}1~1 h  #^ XV3W3^4_455m7n7??AA$A%AB B BTBVBjBlBnBxBzBBBBBBBBBBCCCCCCCCCCCC2D4DHDJDLDVDXDDDDDDDDEE*E,E.E8E:EfEhE|Ej,UjUjDUjUj\UjUjtUjUmHnHujU jUNHD~1{3|333333l579:v:[;;;j=k={===== >>!>+>C> C>S>_>g>r>>> @@)@4@:@H@W@o@@@@@@@@@AAABTB TB|BBBBCCCD D2DZDDDEH@HBHLHNHHHIIIII 0J(5CJ0J(CJOJQJ\^J0J(5CJOJQJ\^J5CJOJQJ\^JCJjXUjUjpUjUjUjUjUmHnHu jUjU5(HPHHHHHHHHHIIIIIIIIIItJuJvJ !$$dNa$ !$dN! &dP  & F@^@ IIIdJgJhJnJoJrJsJtJuJ|Jzzz z zzzzzzzzzzzzzzzzzz z!z"z#z$z%z7z8zڿ}tk jmHnHu jmHnHu jmHnHu jmHnHu jKmHnHu jJmHnHu jLmHnHu jmHnHu jUhhCJ0J(CJOJQJ^JmHnHu0J(CJOJQJ^Jj0J(CJOJQJU^J5CJOJQJ5CJOJQJ\^JCJ*vJwJxJyJzJ{J|Jzzzzzzzzz z"z$z&z1z7zYz]zkzxz{zz!$a$ $a$1 000P/ =!"#`$`%.00P/ =!"#`$`%tDText5tDText5tDText5tDText5tDText5tDText5tDText5tDText5tDText5tDText5tDText5tDText5tDText5tDText5tDText5* i0@0 Normal_HmH sH tH ^@^ Heading 1'$$ & Fx-D @&M 5;CJOJQJJ@J Heading 2! & F<-D@&M CJN@N Heading 3$$ & Fx@&5CJKHOJQJT@T Heading 4! & F<-D@&M :;CJKHP@P Heading 5$$ & F<<@&5>*KHOJQJT@T Heading 6$$ & Fxx@&56>*KHOJQJD@"D Heading 7 & FP<@& CJOJQJH@"H Heading 8 & FP<@&6CJOJQJH @"H Heading 9 & FP<@&6CJOJQJ<A@< Default Paragraph Font*O* para1px^p8O8 PARAStyle1 <<^ fO"f Heading Base&$$$x5$7$8$9DH$a$5;CJ KHOJQJ2B@"2 Body Text@ s^@ B0@A2B List Bullet & F<<]$/@B$ List  & F661R6 List Bullet 2  & Ff7@bf List Bullet 36 & F%  h> <x1$]^ `h>8@1r> List Bullet 4 & F"]X1@AX List Number/ & F `  @ x]^@ `FF NOTE18 x]^8 ` CJOJQJHOH Head Main$<<@&a$5CJOJQJTOT Section Heading$<<@&a$5CJOJQJ bullet1~ & FP>T Tf]^`PCJ@@ List Bullet 5a^`<"< Caption$P^Pa$ 5OJQJ.. 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