Stairs.  Entry group.  Materials.  Doors.  Locks.  Design

Stairs. Entry group. Materials. Doors. Locks. Design

» Business plan for an enterprise with calculations. Ready-made business plans with calculations are a good help for small businesses

Business plan for an enterprise with calculations. Ready-made business plans with calculations are a good help for small businesses

Business plan: sample and purpose of the document + reasons for drafting + 5 stages of creation + features of writing for investors and for personal purposes + structure + 15 tips + 7 illustrative examples.

Any actions must be planned and displayed on paper. This is especially true for entrepreneurship. Without business planning, i.e. detailed optimization of resources and determination of further tasks, even an experienced entrepreneur will not be able to achieve his goals.

That's why it's so important to have on hand sample business plan and compose it correctly. This material will help you with this.

Why and who needs a business plan?

There are several definitions of a business plan on the Internet.

Here are the most common ones:

Those. A business plan is a document that describes in detail the ways of its implementation. Thanks to it, you can thoroughly justify your project, evaluate the effectiveness of decisions made from all sides, and understand the feasibility of financing a particular activity.

The business plan shows:

  • business development prospects;
  • volumes of the sales market, potential consumers;
  • profitability of the project;
  • upcoming costs for the production and sale of products, supplying them to the market, etc.

A business development plan is a tool that evaluates the final results of activities for a specific period of time. It can be used to attract investors and is necessary in creating a business concept and company strategy.

Drawing up a business plan is one of the important, responsible stages of planning. It is developed both for those enterprises that produce goods and for those whose specialization is the provision of services.

Before writing a business plan, specialists or the owner of the company determine the tasks and means for their implementation. The developed document can attract lenders to implement ideas. For this reason, it is impossible to exaggerate its importance.

Purpose of the business development plan:

  • analysis of aspects of entrepreneurship;
  • competent management of finances and operations;
  • justification for the need to obtain investments (bank loans, share companies in project implementation, budget allocations, etc.);
  • taking into account the financial capabilities and threats (risks) of the enterprise;
  • choosing the optimal direction of development.

Entrepreneurs write business plans for the following reasons:

Features of drawing up a plan for personal purposes and creditors

It is important to see the difference between a business plan, which is written for internal use, and a “front door” document, so to speak, to be transferred to creditors.

1. Create a plan for personal goals.

If you intend to use the sample business plan and write it for yourself, please note that it will be in the form practical guide to further actions.

In this case, the business development plan should answer the following questions:

  1. What activities are you (will you be) involved in?
  2. What product/service does your company offer to the market?
  3. Who are the consumers, clients?
  4. What goals should you achieve?
  5. What means are needed to achieve the goals?
  6. Who is responsible for completing certain tasks?
  7. How long does it take to complete it?
  8. What capital investments will be required?
  9. What results should the actions lead to?

You need to understand that when drawing up a working document, you need to reflect the real state of things in order to know in which direction to move, what to do, what to strive for.

2. Document for investors.

When developing a business plan to present to creditors/investors, the methodology is different. The person or organization that will finance your enterprise should receive a document detailing the situation and main objectives.

You must convince investors that their money will be used rationally and indicate the benefits for them. A business plan must be drawn up logically, every action must be justified.

If you have doubts in any area, study it more carefully, because lenders will likely have “uncomfortable” questions regarding the program you outline. And the amount of initial investment to open/develop your own business will depend on how you answer them.

Confidence in delivery is also of particular importance. It’s good if you can display statistics in a business plan, citing the example of another company. This will increase your chances of receiving investment.

When writing a business plan, you should adhere to a business style and follow the structure.

Sample business plan: structure

Regardless of the purpose for which you draw up a plan, working with it takes place in 5 stages:

As a business creator, you will have no problem making up the first two points. But what should be the proper structure of a business plan?

Let's look at the main sections, what information they contain and how to compose them correctly.

No. 1. Title page.

It acts as a calling card for itself. It indicates: the name of your company, contact information, address information, phone numbers of the founders.

In addition, the title must contain the contents of the entire document (chapter - page number). When writing your title, be brief and present information concisely.

The total volume of the business plan is about 30-35 pages, including applications.

*Business plan (sample title page)

No. 2. Introductory part of a sample business development plan.

It takes up approximately 2 A4 sheets. The introduction describes the main aspects of your business, its essence, and what advantages it has.

It is necessary to write down why the product/service is attractive to buyers and what the expected profit is. If you intend to raise funds for your business, the introductory part indicates the amount of capital you need.

Typically, the introduction is devoted to the following points of the plan:

The introductory part is compiled last, because it describes the overall picture of the company's activities.
You can fully portray it only after studying all the nuances of the case.

You can study a sample of this and other parts of the plan at the end of this material - examples of this document for the main areas of business are collected there.

No. 3. The main part of a business plan.

The main section concerns the type of activity and all its key points, project cost.

It consists of subsections:

  • production;
  • financial;
  • marketing;
  • organizational;
  • calculating business efficiency;
  • risks.

We will look at them separately.

At the end it follows final part. In it you need to summarize the work done and give a clear definition of the tasks.

Subsections of the main part of business plans

No. 1. Development of the production subsection of the business plan.

The main section of the document is the most capacious. Its subsections describe each aspect of your business.

For example, industrial shows what equipment will be used, what premises you have, how much money you will need to purchase and start a business.

This plan is also designed to help you calculate production capacity and determine the likely prospects for growth in production volumes.

In addition, it contains information on the full supply of raw materials, components, and covers issues about the need for labor, temporary and fixed costs of the business.

To ensure that the production subsection of the plan has a clear structure and contains all the necessary information, indicate:

  • How streamlined is the production process, are there innovative solutions;
  • methods of supplying resources, the degree of development of the transport system;
  • a complete description of the technologies and why they were chosen;
  • Do you need to buy/rent premises to run a business;
  • composition of the required personnel and all data about them, labor costs;
  • possible maximum volume of output;
  • information about suppliers, subcontractors of the business;
  • the cost of each product;
  • estimate mentioning current expenses, etc.

No. 2. Development of the financial subsection of the plan.

Financial plan summarizes all the presented data with economic indicators for the business, i.e. in cost terms.

This includes business reports:

  • Balance sheet plan (confirming the company’s ability to timely pay its monetary obligations).
  • About financial results, profits and losses.

    It highlights the sources of profit, how losses occurred, provides an assessment of changes in business income/expenses that occurred during the reporting period, etc.

    About the movement of money.

    This report allows you to see operating results, long-term creditworthiness, and short-term liquidity.

The financial subsection of a business plan is also characterized by the presence of:

  • schedules of future financial activities,
  • descriptions of likely investments.

Carefully consider the possibility of investing, whether it will be profitable, and the target orientation of the investment. Write how you will return the funds raised into the business.

Try to ensure that the financial part of your business plan includes:

No. 3. Development of the marketing subsection of a business plan.

The marketing subsection concerns the analysis of the market for the products manufactured by your company. You must indicate in the plan the size, dynamics and trends of the market, its segments, and conditions.

In addition, the subsection informs about who the consumers of the business’s products are and what product promotion strategy will be used.

Here, consumption volumes are calculated, the estimated share occupied in the market, the levers used to influence demand (advertising campaign, pricing, product improvement, etc.), and business competitiveness are described.

It is necessary to evaluate your product from the consumer’s perspective, why it is attractive, what its consumer value is, whether it is safe to use, and its service life.

When drawing up a marketing plan, rely on the following points:

To draw up a marketing plan, information is taken from the external environment, relevant research and surveys are conducted, and professional marketers are hired to study the market situation.

No. 4. Development of an organizational subsection of the plan.

In terms of doing business, they are considered equally important organizational issues. Therefore, in this subsection you are required to describe all the steps that will be taken to implement the project.

For example, as shown in the example in the picture:

It is better to present the information in the plan in tabular form so that the sequence of your actions is clearly visible. It would not hurt to mention the regulatory and legislative acts that regulate the selected industry.

In organizational terms, it is worth describing the management side, the responsibilities of all employees, the system of subordination and incentives (remuneration), and describing the internal regime of the company.

Remember that you need to follow the structure as in the example:

No. 5. How to calculate the effectiveness and probable risks?


In the penultimate sections, you need to give an objective assessment of the company’s performance, show the expected prospects based on the estimate, balance sheet, profitability threshold, and planned sales volume.

The business plan developer must write the payback period, NPV (net present value).

The best option would be to arrange this in a table, as in the example below:

Business risks should also be taken into account. Be sure to indicate in the plan what measures you will take to minimize them if they arise, and what self-insurance program you will resort to.

Experienced business plan authors pay special attention to risks, and consider the likelihood of the worst outcome. Making notes on how to resolve perceived difficulties will make your future work easier. If losses and financial losses occur, you will already know how to compensate for them.

When this section of the business plan causes difficulties, turn to experts for help.

A SWOT analysis of a business is often used for this purpose:



This is a method of identifying external/internal factors that influence business development.

Thanks to it you will be able to appreciate:

  • your weaknesses (for example, the need to rent a building, lack of brand recognition),
  • advantages (low price, high service, professional staff),
  • indicate opportunities (these may include the availability of funds for introducing innovations, the use of modern equipment, coverage of a larger market segment, etc.).

And, ultimately, threats that you cannot cancel occur are considered, for example:

  • economic crisis,
  • deterioration of the demographic situation,
  • increase in customs duties,
  • growing political tension,
  • tough competition, etc.

If you provide a clear and justified algorithm for solving risks in the document, this is guaranteed to attract partners and creditors for your business.

15 tips for beginners to competently draw up a business plan


very painstaking and complex. In the process of compiling it, many questions will arise. For this reason, most beginners make mistakes.

To avoid them and make your business plan worthwhile, follow these recommendations:

    Before you start writing, it is better to look at more than one example of a business plan.

    It’s easy to find illustrative examples on the Internet, and perhaps they will even relate to your line of business.

    There is no need to “pour water”, thinking that the document is supposed to be voluminous.

    A business plan should contain only important, realistic information that is interesting to investors and useful to you in running your business (as in the samples below).

  1. Errors, corrections, and typos are strictly prohibited.
  2. The business plan should reflect the possibility of your enterprise reaching more high level and the strengths of the management team.
  3. When developing a business plan, one cannot underestimate competition and possible difficulties.
  4. If the information you want to display is sensitive, you should skip it.
  5. Do not complete the document hastily.

    Such a plan will not have the desired effect on creditors. If you are composing it for yourself, all the same, it should not look like a draft version.

    Use more tables, graphs (as in the samples below).

    Providing statistics in this way makes the material more visual.

    Market analysis is often inaccurate.

    Therefore, approach the marketing section responsibly and collect all the necessary data.

    Be sure to include competitive and distinctive characteristics in your business plan.

    Throw out too abstruse expressions from your business plan, as well as those that are understood ambiguously and demonstrate your insolvency.

    For example, “a product that has no analogues”, “at the stage of consideration”, “ease of sale”, etc.

    Take into account absolutely all business expenses.

    Lenders consider this column particularly important. Therefore, they may have a lot of questions for you on such items as staff salaries, taxes, purchase of raw materials, etc.

    Don't ignore risk considerations.

    As mentioned, this will protect you from problems encountered on the way to achieving your goals, and will also allow investors to see you as a serious, responsible entrepreneur.

  6. In your business plan, focus not on the first profit or big earnings, but on a stable cash flow.
  7. Don't forget to include time limits.

    Any task has a deadline (a quarter, a year, several years).

    If you are not sure that you can complete a business plan on your own, even using the samples below, do not waste money on a specialist.

    He understands this issue more than you, so he will draw up the document accurately, without technical, methodological and conceptual mistakes that you may make without proper experience.

A detailed outline of a high-quality business plan with explanations

you will find in this video:

Ready-made business plans (samples) for different areas of activity


The pharmaceutical business does not lose its relevance, because the need for medicines does not disappear. Moreover, most family budget, as a rule, is spent on medications.

Because of this, opening a pharmacy is a very profitable business.

Therefore, it makes sense to take a closer look at the example of drawing up such a business plan in this sample:.

If you want to enter a different field, consider opening a cafe.

There are quite a lot of similar establishments and the competition is great. However, the demand for them is growing. If you take into account all the aspects of the arrangement, you will offer healthy eating, success will definitely await you.

To draw up a document correctly, check out the sample cafe business plan!

The male half of the population may be interested in the idea of ​​organizing a car service center.

The owner of a service station will not be left without income if the repair and maintenance of vehicles is outlined in detail with all the ensuing factors in the business plan.

Women will find it more pleasant to open a beauty salon.

We assure you that, regardless of the number of existing establishments providing cosmetic services, your “enterprise” in the beauty industry will be in demand. This is due to the fact that every client wants the salon to be nearby and not have to travel to another block.

Representatives of the fair half of humanity can delve into trading activities and create a flower shop. The main advantage of the idea is the small start-up capital.

This small business also requires planning. And although flower shops are not exactly popular in Russia, who knows, maybe you will change that.

To do this, you need to draw up a well-thought-out business plan (a sample of which you can study at this link).

Hotel business is a much more complex option, which involves taking into account many factors, especially marketing ones.

If you don’t know what size room you need or what investments are required, get the information you need in a standard sample:
business plan for a hotel.

No less labor-intensive is the process of implementing a project to farming. But in in this case you will have the opportunity to receive financial support and benefits from the state.

A good sample plan that can attract public investors, clearly demonstrates the goals, .

The implementation of any idea begins with drawing up a business plan. Without it, it is impossible to determine the necessary tasks and understand the feasibility of investments and costs. Many businessmen needlessly ignore this fact and do not use this useful tool.

If you have no experience in writing, any sample business plan given here will help you understand all the drafting standards, thanks to which you can easily set yourself a guideline for further actions.

Useful article? Don't miss new ones!
Enter your email and receive new articles by email

Not a single entrepreneurial project is complete without a business plan. This document is a detailed instruction for opening a commercial business, which describes step by step the tasks that need to be solved to achieve the final goal (that is, obtaining maximum profit), as well as the methods and means that the entrepreneur is going to use. Without a business plan, it is impossible to receive investment in a commercial project or apply to a bank for a loan for business development. However, even if an entrepreneur does not plan to attract third-party funds, he still needs a business plan - for himself.

Why is this document needed, and what is its exceptional importance? A well-written business plan, which contains verified information and verified figures, is the foundation of a commercial project. It will allow you to analyze in advance the state of the market and the severity of competition, predict possible risks and develop ways to minimize them, estimate the size of the required starting capital and the total amount of investment, as well as the expected profit - in a word, find out whether it is advisable to take a financial risk and invest money in this idea.

"Business idea"

The basis of any project is a business idea - that is, for the sake of which, in fact, everything was conceived. An idea is a service or product that will bring profit to the entrepreneur. The success of a project is almost always determined the right choice ideas.

  • Which idea is successful?

The success of an idea is its potential profitability. So, at any time there are directions that are initially favorable for making a profit. For example, some time ago it was fashionable to import yoghurts into the Russian Federation - this product instantly gained popularity among the population, and in proportion to this popularity, the number of companies involved in import grew. Only a completely unlucky and incompetent entrepreneur could fail a project in this area and make the business unprofitable. Now, the idea of ​​selling yoghurts with a high degree of probability will not be successful: the market is already oversaturated with domestically produced products, imported goods are unlikely to be favorably accepted by consumers due to the high price and customs difficulties, moreover, the main players in this segment have already established themselves in the market and established supply and sales channels.

Most entrepreneurs, when choosing an idea for making a profit, think in the categories of the majority - they say, if this business brings income to my friend, then I can also improve my business. However, the more “role models” there are, the greater the level of competition and the less opportunity to dictate their prices. In mass business approximate prices have already been established, and the newcomer, in order to increase its competitiveness, has to set prices below market prices in order to attract customers - which, of course, does not contribute to obtaining large profits.

Potentially highly profitable ideas now are those proposals that help an entrepreneur occupy a free market niche - that is, offer something that other businessmen have not yet thought of. To find an original business idea, sometimes all you need to do is look around and think about what consumers are missing in a certain area. Thus, a successful idea was the production of mops that allow you to wring out a rag without getting your hands wet, or special lamps that cannot be dismantled without the use of special tools - this know-how has significantly reduced the number of thefts of light bulbs in hallways.

Often, you don’t even need to generate original ideas yourself - you can use new products that have been successfully implemented in other countries or cities, but have not yet occupied the corresponding market niche in your region. By following this path, you will become the first to offer this know-how to consumers in your region or country, and, therefore, you will be able to set prices for this product (service).

However, originality alone is not enough for a successful business idea. There are two objective prerequisites for a business to be successful:

  1. - potential buyer feels a need for your product or at least understands its usefulness (for example, a person may not yet know about a certain medicine, but he realizes that something similar can cure his illness);
  2. - the buyer is ready to pay for your product or service) exactly the price that you plan to ask (for example, almost everyone wants to buy a car - however, as we know, not everyone can afford a car).

And one more note regarding innovative business ideas - excessive originality can only harm profits, since the potential audience may simply not be ready for your proposal (most consumers are conservative by nature and have difficulty changing their habits). The least risky option is to stick to the golden mean - that is, to bring already familiar goods or services to the market, but in an improved form.

  • How to determine if a given business idea is right for you?

Even a potentially successful business idea may not turn out to be successful in practice if it is not suitable for a particular entrepreneur. So, opening a beauty salon is relatively easy - but if you do not understand the intricacies of the salon business, then your brainchild is unlikely to bring you good profits. A business idea must be supported by the entrepreneur’s experience, knowledge and, of course, capabilities. What indicators indicate that your project will be within your capabilities?

  1. - Professionalism. You can have a specialized education in your chosen field, or you can just as easily be a passionate self-taught person. The main thing is that you have an understanding of the production process and other necessary knowledge in the chosen field.
  2. - Passion. You must like what you are going to do and offer. Moreover, you should like not only the final product, but also the process itself, because you won’t be able to give all your strength to a job you don’t like, which means it will be difficult to bring it to fruition. good level. Remember the famous proverb: “find a job you love and you will never have to work a day in your life.”
  3. - Personal characteristics. If you are a closed and uncommunicative person and feel uncomfortable in the company of other people, then it will be difficult for you to negotiate. And if you, for example, are a convinced vegetarian, then there is no point in considering selling semi-finished meat products - even if this business can bring good profits, you will still feel uncomfortable doing it.
  4. - What you have (land, real estate, equipment, etc.). Starting any kind of production will be much less expensive if you already have suitable equipment. And if you inherited, say, a private house not far from the road, then this good opportunity to make a profit from roadside trading, because your competitors, if they are found, do not have such a good location, and this advantage can overcome even your inexperience.

Competition: how to become special:

As mentioned above, to apply your entrepreneurial efforts, it is most advisable to choose those areas where competition is frivolous or absent altogether. However, in most cases, entrepreneurs one way or another have to face competitors, and businessmen are faced with the question - how to stand out from them? This can be done due to the following advantages:

Competitive advantages

When introducing yourself to potential consumers, try to immediately draw their attention to the advantages that distinguish your offer from similar ones, so that buyers see that you can satisfy their needs in the best way. Don’t be shy to highlight your merits and don’t rely on the intelligence of consumers - they are unlikely to guess why your product (service) is different from the product (service) of your competitors in better side. For example, if the recipe for the bread you bake involves enriching the product with vitamins and other useful substances, then be sure to convey this fact to your future customers. You should not position your bread simply as a tasty and fresh product, because your competitors have exactly the same product - it is unlikely that anyone will sell tasteless and expired goods. But vitamins are your competitive advantage, and the buyer must definitely find out about it, so advertising needs to be thought out accordingly.

So, we have examined some of the nuances of preliminary preparation for writing a business plan, and now we can closely pay attention to this particular document and its main sections.

1. Title page.

The title page is the “face” of your business plan. This is what your potential investors or bank employees see first when deciding whether to issue you a loan for business development. Therefore, it should be clearly structured and contain all the key information about your project:

  1. - Project name (for example, “Production of self-squeezing mops” or “Creation and development of a commercial Internet radio station called “XXX”);
  2. - Organizational and legal form of the project and name legal entity(if there are several such persons, then a list indicating areas of responsibility is required);
  3. - Author and co-authors of the project
  4. - Abstract to the project (for example, “this document is a step-by-step plan for the founding and development of a commercial radio station...”);
  5. - Project cost (required starting capital)
  6. - Place and year of creation (“Perm, 2016”).

2.Resume.

This item represents short description ideas for the project, timing of its implementation, main goals and objectives for implementing the idea, estimated turnover and production volumes. forecast of key indicators - project profitability, payback period, initial investment, sales volume, net profit, etc.

Despite the fact that the summary is the first section of the business plan, it is compiled after this document has already been completely written and double-checked, since the brief description covers all other sections of the business plan. The summary should be concise and extremely logical and fully disclose all the advantages of the project, so that investors or a potential lender see that this business idea is really worth investing in it.

3.Market analytics

The section reflects the state of the market sector in which the project will be implemented, an assessment of the level of competition, characteristics target audience and industry development trends. It is very important that the market analysis is carried out on the basis of high-quality marketing research containing real indicators (falsified or inaccurate analysis reduces the value of the business plan to almost zero). If an entrepreneur is not competent enough in the chosen field, then in order to avoid inaccuracies and errors, he should outsource marketing research by ordering it from a trusted marketing agency.

This section usually takes up at least 10% of the total volume of the business plan. His approximate plan is as follows:

  1. - General description of the selected industry (dynamics, trends and development prospects - with specific mathematical indicators);
  2. - Characteristics of the main market players (that is, direct and indirect competitors), an indication of the competitive advantages and features of your business project compared to other entities;
  3. - Characteristics of the target audience (geographical location, age level, gender, income level, type of consumer and user behavior, etc.). Creating a portrait of a “typical client” indicating the main motives and values ​​that guide him when choosing a product (service), pessimistic forecasting (that is, the minimum flow) of consumers of the product (service);
  4. - Review of the most effective channels and ways to promote goods (services);
  5. - Review and identification of the most likely risks that an entrepreneur may encounter in this market segment and suggesting ways to eliminate or minimize them (it must be remembered that risks are external circumstances and factors that do not depend on the entrepreneur);
  6. - Forecast of possible changes in this market segment, as well as an overview of factors that may affect the profitability of the project.

4. Characteristics of goods (services) and their sales

This paragraph describes in detail the goods that the entrepreneur is going to produce, or the services that he is going to sell. Special attention should be focused on the competitive advantages of the business idea, that is, what will distinguish this proposal from the general diversity. However, you should not remain silent about the shortcomings and weaknesses of the idea, if any - it is better to play fair with investors and creditors, besides, they can analyze this point on their own, and in the case of a one-sided description, you risk losing their trust, and with it - and hope for financial investment in your idea.

The presence of a patent will make the idea described especially attractive - if an entrepreneur offers some kind of know-how and has already managed to patent it, then this fact must be reflected in the document. A patent is both a competitive advantage and a basis for a greater likelihood of obtaining loans or investments.

The chapter must include:

  1. - brief description of the idea;
  2. - ways of its implementation;
  3. - description of the life cycle of the product (service);
  4. - percentage of secondary purchases;
  5. - the possibility of creating additional product lines or service options, the possibility of segmenting the offered product;
  6. - expected modification of supply in accordance with changes in the market situation and factors affecting profit.

5. Ways to promote business (marketing and strategic plans)

In this chapter, the entrepreneur describes exactly how he is going to inform potential consumers about his product and how he will promote this product. Shown here:

6.Description of the production process

A production plan is a detailed description of the complete algorithm for producing a product from its being in its raw material state to the moment when the finished product appears on store shelves. This plan includes:

  1. - a description of the necessary raw materials and the basic requirements for them, as well as the suppliers from whom you plan to purchase these raw materials;
  2. - reception, processing and pre-production preparation of raw materials;
  3. - actually technological process;
  4. - yield of the finished product;
  5. - the procedure for testing the finished product, its packaging and transfer to the warehouse and subsequent delivery to the buyer.

In addition to the actual description of the production process, this chapter should also reflect:

  1. - characteristics of the equipment used, as well as the premises where the production process will be carried out - indicating all the necessary standards and requirements;
  2. - list of main partners;
  3. - the need to attract resources and borrowed funds;
  4. - calendar plan business development - from the launch of production until the time when the funds invested in the project begin to pay off.

7. Enterprise structure. Personnel and management.

This chapter describes internal circuit functioning of a business project, that is, an administrative and organizational plan. The chapter can be divided into the following subsections:

  1. - organizational and legal form of the enterprise (LLC, individual entrepreneur, etc.);
  2. - internal structure of the enterprise, distribution of responsibilities between services, channels of their interaction (it would be best if this sub-item is further illustrated by appropriate diagrams);
  3. - staffing table, list of responsibilities of each employee, his salary, channels and criteria by which personnel will be recruited;
  4. - list of activities on the personnel policy (training, training, personnel reserve, etc.)
  5. - participation in business development events (competitions, conferences, fairs, grants, government programs, etc.).

8.Risk assessment. Ways to minimize risks.

The purpose of this paragraph is a preliminary assessment of possible negative circumstances that will affect the achievement of the desired indicators (business income, customer flow, etc.) - the basis for this assessment is again marketing market research. Risks are divided into external ones (for example, tougher competition and the emergence of new strong players in this segment, increased rental rates and utility bills, natural disasters and emergency situations, changes in tax legislation towards increasing rates, etc.) and internal (what can happen directly inside the enterprise - equipment breakdowns, unscrupulous employees, etc.).

If an entrepreneur has information in advance about what exactly he should be wary of in the implementation and promotion of his project, then he can think in advance about the ways in which he will neutralize and minimize negative factors. For each risk, a number of alternative strategies should be proposed (a kind of table of emergency measures). You should not hide certain risks from investors or creditors.

Special attention should be paid to such a form of protection as insurance against various risks. If an entrepreneur plans to insure his business, then this must be mentioned - indicating the selected insurance company, the amount of insurance premiums and other details related to the matter.

9.Forecasting financial flows

Perhaps the most important chapter of a business plan. Because of its importance, it should be written by professionals if the entrepreneur himself does not have a financial and economic education. So, many startupers who have creative ideas, but do not have sufficient financial literacy, in this case they resort to the services of investment companies, which later put their certification visa on the business plan - this is a kind of guarantee of the reliability of calculations and will give the business plan additional weight in the eyes of investors and creditors.

The financial plan of any business project includes:

  1. - balance sheet of the enterprise;
  2. - calculation of expenses (employee payroll, production expenses, etc.);
  3. - profit and loss statement, as well as cash flow statement;
  4. - the amount of required external investment;
  5. - calculation of profit and profitability.

The profitability of a project is a key indicator that has a decisive influence on investors’ decisions regarding investing in a given business. Calculations on this topic cover the period from the entry of start-up capital and third-party investments into the project until the moment when the project can be considered break-even and begins to generate net profit.

When calculating profitability, the basic formula R = D * Zconst / (D - Z) is usually used, where R is the profitability threshold in monetary terms, D is income, Z is variable costs, and Zconst are fixed costs. However, in long-term calculations, the calculation formula should also include such indicators as the inflation rate, renovation costs, contributions to the investment fund, increases in wages for enterprise employees, etc. As a visualization method, it is again advisable to use a Gantt chart, which is convenient for tracking the level of growing income and reaching the break-even point.

10.Regulatory framework

All documents that are necessary for legal support of a business are indicated here - certificates and licenses for goods, permission for certain types of activities, acts, permits, etc. – with a description of the conditions and terms of their receipt, as well as the cost. If the entrepreneur already has any documents in his hands, this must be indicated, and this fact will also become an advantage in the eyes of investors.

11.Applications

At the end of the business plan, the entrepreneur provides all calculations, diagrams, graphs and other supporting materials that were used to draw up financial forecasts, market analysis, etc., as well as all materials that visualize the points of the business plan and facilitate its perception.

“The main mistakes when drawing up a business plan”

At the end of the article, I would like to say a few words about the most common mistakes that inexperienced entrepreneurs make when drawing up business plans. So, what should you avoid if you don't want to scare potential investors away from your project?

Excessive bloating and bulk. A business plan is not Homework, where the large size of the writing increases the chances of a good grade. The approximate volume of a business plan is usually 70-100 sheets.

Difficulties of presentation. If an investor reading your plan cannot understand your idea after reading two or three sheets, then there is a high probability that he will put the BP aside.

Lack of necessary explanations. Remember that an investor is not required to understand the area of ​​the market in which you are offering him to invest money (and in most cases, he really does not understand it, otherwise he would have already launched an independent business). Therefore, you need to succinctly introduce the reader to the main details.

Streamlined phrases-characteristics (“huge market”, “great prospects”, etc.). Remember: only accurate and verified information and forecasts.

Providing approximate, unverified or deliberately false financial information. We have already focused on this topic above, so no comments.

  • 1. Sample business plan
    • 1.1. Sections of a business plan
    • 1.2. Project Description
    • 1.3. Production plan
    • 1.4. Marketing plan
    • 1.5. Financial plan

Each company, in the course of its activities, must clearly understand the needs for all types of resources, and also be able to accurately calculate the amount of funds required to implement its business ideas. In a market economy, it is necessary to be able to plan, regularly analyze the internal and external environment, and assess one’s own prospects and capabilities. For clarity, consider a sample business plan with calculations. Also at the very end of the article you can download detailed business plan grocery store.

Business plan for a web studio - sample with calculations

1. Sample business plan

The article presents a sample business plan with calculations for opening a website development company. Today, many companies decide to open their representative office on the Internet. As a result, there is a need to create an official website.

A business plan is an official document that will subsequently be presented to potential investors and partners. Therefore, when developing it, certain principles should be adhered to.

1.1. Sections of a business plan

  • introduction,
  • (a brief description of project and main financial indicators),
  • project description,
  • analysis of enterprise capabilities,
  • production plan,
  • marketing plan,
  • financial plan,
  • risk analysis,
  • conclusion,
  • links to sources.


1.2. Project Description

The company being designed is created for the purpose of developing websites and subsequently posting them on the Internet. The product of the enterprise is the website, made in accordance with the client’s requests, selected concept and functionality. average price website (arithmetic average) will be 64 thousand rubles.

At the moment, the development stage of the project is assessed as a business idea. The goal of the project is to position itself in the market as professional company to create websites of varying complexity, with a modern concept and user-friendly interface.

When recruiting personnel, it is planned to look for professional layout designers and web designers based on an assessment of their portfolio (resume).

1.3. Production plan

It is planned to spend 200 thousand rubles of own funds and 800,000 rubles of borrowed funds in the form of a bank loan, i.e. All in all 1 million rubles.

All information is given as an example - this business plan is a sample with approximate calculations

Currently, the IT technology segment is in a stage of dynamic growth. As a result of the penetration of broadband access into Russian regions, the development of mobile and wireless networks data transmission, there is an increase in Internet users.

The preparatory period for the opening of the project is planned to be completed in full within six months.

The company's staff will consist of 6 people: CEO, accountant, employees and four programmers, each of whom is responsible for a specific project and is a highly specialized specialist.

Web studio company staff

Estimated payroll will be 1659 thousand rubles. in the first year, 1893 thousand rubles. in the second year and 1962 thousand rubles. in the third year of the project.

Planned revenue for the first year will be 3793.93 thousand rubles, for the second year - 6140.19 thousand rubles, and for the third year - 6278.12 thousand rubles.

Acquisition costs fixed assets are estimated at 634.88 thousand rubles. The amount of depreciation deductions is not calculated, since the organization will operate under a simplified taxation system.

Cost of services provided will amount to 3918.55 thousand rubles in 2015, 3491.906 thousand rubles in 2016 and 3527.547 thousand rubles in 2017, respectively. The decrease in cost in 2016 compared to 2015 is due to the write-off of the cost of fixed assets, and the increase in cost in 2017 compared to 2016 is due to an increase in costs for personnel, acquisition Supplies for subsequent creation of services. It should be noted that business plan calculation samples depend on the specific economic situation in the country.

1.4. Marketing plan

Marketing expenses are estimated at 13% of revenue in 2015, 4.2% in 2016 and 4.15% in 2017.

1.5. Financial plan

The financial results of the project are assessed as follows. In the first year of activity, the financial result will be negative and the loss in 2015 will be 124.62 thousand rubles.

In 2016, the profit will be 2,648,284 rubles, and the maximum profit of 2,750,573 rubles will be achieved in 2017.

Net profit on an accrual basis at the end of 2015 will be -230.807 thousand rubles, at the end of 2016 – +1813.725 thousand rubles, and at the end of 2017 – +4215.028 thousand rubles.

We will calculate the efficiency of investments for the project

  1. Net present value:
    NPV = 2947.435 rub.
  2. Internal rate of return (IRR):
    2947.435 / (1 + x) 3 = 100 * 0.579;
    2947.435 = 57.9 * (1 + x) 3;
    (1 + x) 3 = 50.91;
    x = 2.71, IRR = 271%.
  3. Profitability Index (PI):
    PI = A / KV = 2947.435 / 1000.0 = 2.647
    Investment return index > 1. This indicates that this project is effective.
  4. Payback period (PP):
    PP = 2 + = 2 + 0.7 = 2.7 quarters
  5. Discounted payback period (DPP):
    DPP = 3 + = 3 + 0.74 = 3.74 quarters

Thus, the payback period of the business project is 3.74 quarters; also, a year after the start of the project, there will be a guaranteed repayment of the loan and receipt of income if the specified conditions for the project are met.

2. How to write a business plan - video + ready-made sample

This sample includes all the highlights and necessary calculations and can be used as an example of a business plan for your own developments. It should also be noted that a detailed business plan sample with calculations can be purchased from specialized companies.

You can also view a detailed grocery store business plan

3. Create and implement a business plan

Now that you know the basic principles of writing a concrete business plan, try to implement your long-held business idea. Carefully consider each step; the business plan should be drawn up taking into account the characteristics of the market you are going to enter.

Very promising and profitable types of business activities are those that are associated with children, in particular with their entertainment (see “Inflatable children's trampolines”). To date, a number of ideas have been proposed, the implementation of which, with the proper approach to doing business, allows you to obtain stable and high profits. However, it should be remembered that a business based on entertaining children requires responsibility from the organizer (entrepreneur in our case), so...

The most valuable and tasty fish is inaccessible to the ordinary fisherman. Some fishing enthusiasts come up with clever ways to catch delicious fish, spend a lot of money on equipment and a lot of time sitting with a fishing rod near water bodies. True fish lovers begin to salivate when they hear the word trout. Fish is one of the most valuable and its cost in stores is most often exorbitant. But there are no unsolvable problems. ...

At the beginning of his coming payment terminals looked like a gold mine. They multiplied and filled the empty niches. The times of easy profits are over, but the business remains and is growing. Those who are not lazy and are willing to spend money at the start to launch 3-4 terminals can count on a refund within six months. Terminal owners face intense competition. It is necessary to monitor trends in the service market and respond to client requests. Online payment technologies...

If you think that the strawberry growing business is highly limited by seasonality, then we hasten to convince you otherwise. Today there are a number of proven technologies that allow you to obtain a stable strawberry harvest all year round. In addition, these technologies for growing strawberries all year round do not impose restrictions on the size of the plantation and its geographical location. It all depends on the scale we have planned. The main component of this business...

Historically, hookah smoking was the prerogative of the inhabitants of India and the East. The “sultan’s” pleasure came to Russia in the early 2000s, when mass tourists brought smoking instruments for home use. At the same time, business plans began to be developed on how to open a hookah bar - a quick return on costs promised the future owners a solid profit. But with the introduction of the “anti-tobacco law” in 2014, prohibiting smoking in catering establishments, ...

Broiler is a type of chicken that is raised for meat. Breeding broilers brings profit to poultry farm owners. There are two areas of business - raising chickens for sale alive or fattening grown broilers and then slaughtering them. To organize a poultry farm on your site, study the requirements for such enterprises and draw up a business plan for future production.

The list of costs for starting a business includes registration and licensing fees, purchase of equipment and inventory, and many other expenses. Even if you haven't prepared a business plan, before launching your startup, you need to outline a list and amount of initial costs to ensure you have sufficient working capital.

The desire to have your own profitable business is an obsession of many hired employees who, day after day, monotonously “work out their sentences” for an unbearable boss. However, wishing and doing are two banks of the same river, which can only be connected by the right business idea. By the way, if you delve deeper into your search, you might be surprised how many unrealized opportunities surround the world and the surrounding society. It is only important to be able to search correctly.

Bread is what is always in constant demand at all times. Any global crisis economic phenomena only spurs the consumption of bread and bakery products. Our new business the idea is entirely dedicated to the production of Armenian lavash and wheat rolls. Why lavash? Firstly, it is one of the most ancient and useful species bread, besides, it is popular in Russia, both among ordinary consumers, ...

The essence of the project: organization of modern construction company using frameless arch construction technology for the construction of buildings and structures for various purposes and areas of application for entering the market of the Chelyabinsk region. Type of product – buildings and structures for various purposes, erected using frameless arch construction technology. These buildings have wide range applications, they can be erected in different parts of the globe - design temperatures of use from...