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Sample Business Documents

The following templates may help you with your business. We use some of them in our Foundations business-planning class.

Business Plan

A business plan demonstrates to funders (and to you) that you have a viable business in the works. A quick two-page business plan template is here and a longer template is here. A template designed by Hatch Oregon is here.

Cash Flow Projections

The following download is a multi-page spreadsheet that covers cash flow, break-even, and other calculations. It contains a number of locked formulae that you cannot amend. You must have Excel in order to use it.

As they say, “cash is king.” You can own a profitable business and still run out of cash. How do you know if you will have enough money to pay monthly bills? Some bills will increase some months (heat, lights) or come due only a few times a year (insurance, taxes, dues). Use cash-flow projection tools to understand when you will need more cash and when you will need less. 

The cash-flow projection spreadsheets are based on selling units that have identified variable costs associated with them. This worksheet has quite a bit of automation to it. The automation makes it easy to calculate the effect of various selling prices or changes in the cost of production. This worksheet should not be used if there are significant differences in the timing between when you spend money on inventory or your cost of production and when items are sold. For instance, if you buy all your inventory in the winter and sell it all in the summer, this cash flow projection will not give you an accurate picture of how cash actually will flow through the business.

This file has templates for two years of Profit and Loss calculations with a cash-flow projection. This spreadsheet is a typical cash flow projection, with columns for monthly entries. It is highly customizable--you can change any row to the name of the type of income or expense that you have. It has minimal calculations.

Break-Even Point

It's good to know how much inventory you will need to sell, or how much work you will need to bill for, in order to break even in your business. At the break-even point, you will have enough sales to pay your overhead or fixed costs, and enough to pay for your cost of goods sold or variable costs.