A/R and A/P of enterprises are mainly analyzed by aging, and the transaction cycle of receipt and payment is 30 days and 60 days per month.
The daily expenses of an enterprise can also be divided into fixed expenses and sporadic expenses.
Analyze the sales performance of the enterprise, including the turnover rate of inventory, and see how much liquidity I need if I expect to achieve the performance of100W.
Question 2: How to write the financing demand? Capital demand plan: the amount of funds needed to realize the company's development plan, the timeliness of capital demand and the use of funds. Financing plan: describe the investors the company wants and the shares it holds, as well as other sources of funds, such as bank loans.
Capital demand plan: the amount of funds needed to realize the company's development plan, the timeliness of capital demand and the use of funds (specify and list the use of funds in detail)
Financing plan: describe the investors the company wants and the shares it holds, as well as other sources of funds, such as bank loans.
For example:
How much new investment is needed to ensure the implementation of the project?
In the new investment, the investor needs to invest 10000 yuan and borrow 10000 yuan.
Company's own investment 1 10,000 yuan. If there are foreign loans, what mortgage or guarantee measures are there?
Please explain the purpose and use plan of the invested funds:
Do you want investors to participate in the company or set up a new company through investment cooperation? Please explain the reason:
How much interest are you going to transfer to investors? What is the calculation basis?
Is the average annual return on equity expected to be lower in the next three or five years?
What supervision and management powers can investors enjoy?
If the company fails to achieve the project development plan, what responsibilities will the company and management bear to the investors?
How do investors recover their investment, specific ways and implementation time:
In terms of taxes and tax rates related to the company's business, what preferential policies the company enjoys and what may happen in the future (such as preferential policies on market access, tax reduction and exemption, etc.). ):
Other circumstances that need to be explained to investors.
Question 3: How to write the content of capital demand in start-up companies and business plans? Before looking for investment, you can talk to local entrepreneurs first. * * * There are support policies, and entrepreneurial experts can consult for free.
I wonder if you have it there. There are many pioneer parks in Shanghai and Hongkou. Search Hongkou Pioneer Park on the Internet.
Question 4: What are the main contents of this project in the business plan and capital requirements? first
The purpose of a business plan is simple. It is a weapon in the hands of entrepreneurs. It is provided to investors and all those who are interested in entrepreneurial projects, showing them the potential and value of entrepreneurship and persuading them to invest and support projects. Therefore, a good business plan should make people very clear about the following issues after reading:
1, the company's business opportunities;
2. The process of setting up a company and grasping this opportunity;
3. Resource requirements;
4. Risks and expected returns;
5. Suggestions for your action.
Business plan is not an academic paper, but it may face people with non-technical background who are interested in the plan, such as possible team members, possible investors and partners, suppliers, customers, policy institutions and so on. Therefore, a good business plan should be clearly written, avoid using too many professional words, and focus on specific strategies, goals, plans and actions. The length of the business plan should be appropriate, too short is easy to make people doubt the success of the project; If it is too long, it will be considered too verbose and unclear. The length is generally 20-40 pages (including appendices).
Generally speaking, the principles of writing a business plan are: simplicity; Clear organization; The content is complete; The language is fluent and easy to understand; The meaning is expressed accurately. A business plan generally includes the following ten parts:
I. Executive summary
This is a one-or two-page summary of the business plan. Including:
1, a brief description of the business (that is, "elevator statement")
2. Overview of opportunities
3. Description and forecast of the target market
4. Competitive advantage
5. Forecast of economic situation and profitability
6. Team overview
7. Benefits provided
Second, the industry background and company profile
1, detailed market description, main competitors, market driving force.
2. The company overview should include a detailed description of products/services and how to meet the needs of key customers.
3. Be sure to describe your entry strategy and market development strategy.
Third, market research and analysis.
This is a window to show how well you know the market. Be sure to explain the following questions:
1, customer
2. Market capacity and trends
3. Competition and their respective competitive advantages
4. Estimated market share and sales volume
5. Market development trend (this is quite difficult for new markets, but we must try our best to get close to the facts)
Fourth, the company strategy.
Explain how companies compete, including three questions.
1, marketing plan (pricing and distribution; Advertising and promotion)
2, planning and development plan (development status and goals; Difficulties and risks)
3, manufacturing and operation plan (operation cycle; Equipment and improvements)
Verb (abbreviation for verb) overall timetable
The company's schedule includes the following important events.
1, income
2. Balance point and positive cash flow
3. Market share
4. Introduction to product development
5. Main partners
6. Financing
The main risks, problems and assumptions of intransitive verbs
1, entrepreneurs often make unrealistic assumptions about the company and the risks they will face.
2. Explain how you will handle risks and problems (contingency plan).
3. strike a careful balance between pragmatism and optimism about the company's potential.
Seven. Management team
1. Introduce the management team of the company. Be sure to introduce each member's education and work background related to managing the company.
2, pay attention to the management division of labor and complementarity.
3. Finally, it is necessary to introduce leading members, business consultants, major investors and shareholding.
Eight, the economic situation of enterprises
Introduce the company's financial plan and discuss the key drivers of financial performance. Be sure to discuss the following levers:
1, gross profit and net profit
2. Profitability and durability
3. Fixed, variable and semi-variable costs
4, the number of months needed to achieve balance of payments.
5. Number of months required to achieve positive cash flow
Nine. Financial forecast
1, including income report and balance report, quarterly report for the first two years and annual report for the first five years.
2. Cash flow analysis of valuation in the same period.
3. Highlight the cost control system ... >>
Question 5: How to write the venture financing plan?
The financing plan is actually a voucher to convince investors. Investors learn about entrepreneurial projects through the business plan. In addition to the business plan, investors often need the financier to issue a financing plan, explaining the amount of funds, the use of funds, the distribution of profits, and the exit method. In the process of financing, financing plan is very important.
The contents of the financing plan include:
1. Enterprise introduction: enterprise introduction, enterprise status, strength of existing shareholders, credit standing and resolutions of the board of directors.
2. Project analysis: basic information, origin, value and feasibility of the project.
Third, market analysis: market capacity, target customers, competitive positioning, market forecast.
Management team: introduction of management personnel, organizational structure and management advantages.
Verb (abbreviation of verb) financial plan: capital demand, capital use and financial statements.
The financing scheme design of intransitive verbs;
1. Financial management method
2. Financing term and price
3. Risk analysis
4. Exit mechanism
Seven, the summary, that is, the summary of the plan, written in front of the plan.
The content of the financing plan is similar to that of the business plan, but the emphasis is different. The financing plan should focus on project feasibility analysis, team strength, ownership structure, amount of funds, use of funds, profit distribution and exit mode.
In particular, it is necessary to predict the demand for funds. Entrepreneurs need to make clear the use of funds, then estimate the demand for funds and predict the amount of fixed capital and working capital relatively accurately. Venture financing plan is a plan to plan future capital operation, and long-term interests and short-term interests need to be considered in the plan.
First of all, we should estimate the start-up capital, which includes the most basic purchasing capital and working capital of the enterprise and is the most basic investment in the early stage of the enterprise.
Secondly, forecast operating income, operating cost and profit. For start-ups, estimating operating income is the first step in customizing financial plans and financial statements. On the basis of market research, estimate the annual operating income. Then estimate the operating costs, operating expenses, management expenses, etc. When estimating income and cost, you can estimate pre-tax profit, after-tax profit and net profit.
Finally, prepare the expected financial statements. It is expected that the income statement can predict the amount of internal financing of the enterprise, in addition, it can also let investors see the profit of the enterprise. It is expected that the balance sheet will reflect the amount of external financing required by the enterprise. The estimated cash flow statement reflects the operation of liquidity, and new enterprises often encounter the problem of capital shortage or capital chain break. It is very important to forecast the cash flow statement, but there are too many uncertain factors affecting the expected cash flow, so it is difficult to accurately predict the cash flow. Entrepreneurs can use various assumptions to predict the most optimistic and pessimistic situation.
Five steps in writing a financing plan:
1. Demonstration of financing projects. Mainly refers to the feasibility of the project and the rate of return of the project.
2. Choice of financing channels. As a financier, you should choose a financing method with low cost and fast financing.
For example, issuing stocks and securities, lending to banks and accepting employees' investment. If your project conforms to the current industrial policy, you can request * * * financial support.
3. Financing allocation. The raised funds should be earmarked to ensure the continuity of project implementation.
4. Repay the financing. There is always a time limit for the implementation of the project. Once the implementation of the project begins to recover the principal, it should begin to repay the melted funds reasonably.
5. Distribution of financing profits.
Chapter 2: template of risk financing plan
I. Overview of the Project Enterprise
The abstract of a business plan is the core of all plans.
* Other information or data that need to be highlighted (it can be repeated with the following, and this summary will be regarded as the project summary by investors).
Second, the business description
* The purpose of the enterprise (about 200 words)
* Main development strategic objectives and stage objectives
* Technical uniqueness of the project (please compare with similar technologies)
Introduce the personnel and capital plan invested in R&D and the goals to be achieved, mainly including:
1, investment in scientific research funds
2.R&D personnel
3, research and development equipment
4. Technological progress and development trend of R&D products
Third, products and services
* Entrepreneurs must introduce their product or service ideas. The main contents are as follows:
1, product name, characteristics and performance; * Introduce the products or services of the enterprise and their value to customers.
2, product development process, * whether the same product has not appeared in the market? Why?
3. At which stage of the product's life cycle?
4. Production ... >>
Question 6: Request for instructions for applying for funds (the format is the same as above) How to write: XX Bank ×××× Sub-branch Document XX×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××× As of May 38, 2006 +0, total assets, fixed assets, current assets, liabilities and owners' equity were. } The ownership of the collateral is clear and the guarantor is legal. The mortgage rate is 46% and the risk is 0 .3 12. To this end, our bank agreed to issue a working capital loan of RMB ×××× million to XX Company with a term of 3 years and an annual interest rate of 5.94%. Please review and reply to this request. Attachment: 1 Investigation Report of XX Bank on XX Company's Application for Working Capital Loan of RMB ×××× 10,000 Yuan.
Question 7: How to write the self-financing situation is divided into the following steps: 1. Divide your own funds into three parts: early investment demand, medium investment demand and late maintenance demand. Choose the right industry according to the size of investable funds in the early stage; 3. Fully understand the risks, profits, operability, supplier channels, customer resources and national laws and regulations of the invested industry; 4. Choose the investment place (investment place); 6. Plan the overall investment project; 7. Assess human resources; 7. You can invest when there are no problems in weather, geography, people and people.
Question 8: How to write the financing plan? I finally found a complete process on the "President Learning Network", hoping to solve your problem.
time
(Company information)
address
postcode
Contact person and position
telephone
facsimile
Website/e-mail address
Report catalogue
The first part is an overview.
(Summary of the whole plan) (within 2-3 pages)
A brief description of the company
Two. The company's goals and objectives (market goals and financial goals)
Three. The company's current shareholding structure
Four. Invested funds and their uses
V introduction of the company's main products or services at present
Market overview and marketing strategy of intransitive verbs
Seven. Main business departments and performance overview
Eight. Core management team
Nine. Company advantage description
X. The company's current demand for capital increase to achieve the goal: reason, quantity, method, use and repayment.
XI。 Financing plan (financing and investment methods and exit plan)
Twelve. financial analysis
1. Financial historical data (sales summary, profit and growth in the first 3-5 years)
2. Financial forecast (past 3-5 years)
3. Assets and liabilities
The second part is a summary.
Chapter 1 Company Introduction
First, the company's purpose (state the company's mission)
Two. Company profile information
Three. Functions and business objectives of each department
Four. enterprise management
1. Board of Directors
2. Management team
3. External support (outsiders/accounting firms/law firms/consulting companies/technical support/industry associations, etc.). )
Chapter II Technology and Products
I. Technology Description and Technology Holding
Two. Product status
1. Main product catalogue (classification, name, specification, model, price, etc. )
2. Product characteristics
3. Brief introduction of products under development/to be developed
4.R&D plan and timetable
5. Intellectual property strategy
6. Intangible assets (trademarks/intellectual property rights/patents, etc. )
Three. Product production
1. Supply of resources and raw materials
2. Existing production conditions and production capacity
3 expansion facilities, requirements and costs, as well as the expanded production capacity.
4. Original main equipment and equipment to be added
5. Product standards, quality inspection and production cost control
6. Packaging, storage and transportation
Chapter III Market Analysis
I. Market scale, market structure and division
Two. Setting of target market
3. Analyze product consumption groups, consumption patterns, consumption habits and the main factors affecting the market.
Four. The current market situation of the company's products, the product name and brand status in the market development stage (blank/new development/high growth/maturity/saturation)
Verb (abbreviation of verb) market trend forecast and market opportunity
Industrial policy of intransitive verbs
Chapter IV Competition Analysis
1. Is there an industry monopoly?
2. Look at competitors' market share from market segmentation.
3. Main competitors: company strength and products (category, price, features, packaging, marketing, market share, etc. )
Four. Analysis of potential competitors and market changes
Verb (abbreviation for verb) Competitive advantage of company products.
Chapter V Marketing
I. Outline the marketing plan (region, mode, channel, expected target and share)
Two. Formulation of sales policy (past/present/plan)
3. Sales channels, methods, marketing links and after-sales service
Four. Main business relationship (agent/distributor/distributor/retailer/franchisee, etc.). ) and standard policies for qualification identification at all levels (sales volume/payment term/payment method/accounts receivable/freight mode/discount policy, etc.). )
......& gt& gt
Question 9: How to write the investment plan? You need to do the following analysis in advance before you can make an investment plan.
1: fully understand your product.
Including: What kind of development stage is the product in? What is its uniqueness? What is the method for enterprises to distribute products? Who will use the products of the enterprise and why? What is the production cost and price of the product? What is the enterprise's plan to develop modern new products? Pull investors into the products or services of enterprises, so that investors will be interested in products like venture entrepreneurs. In a business plan, entrepreneurs should try to describe everything in simple language? The definition and attributes of commodities are very clear to entrepreneurs, but others may not know their meaning.
2. In the market competition
Venture entrepreneurs should carefully analyze the situation of their competitors. Who are the competitors? How do their products work? What are the similarities and differences between competitors' products and our own products? What are the marketing strategies adopted by competitors? It is necessary to make clear the sales, gross profit, income and market share of each competitor, and then discuss the competitive advantage of this enterprise relative to each competitor, and show investors that customers prefer this enterprise because
3. Understand the market more fully.
4, the policy of action
5. What kind of management team do you have?
6. Excellent plan summary
The plan summary is listed in front of the business plan, which is the essence of the condensed business plan. The outline of the plan covers the main points of the plan, making it clear at a glance, so that readers can review the plan and make judgments in the shortest time.
The outline of the plan generally includes the following contents: company introduction; Main products and business scope; Market overview; Marketing strategy; Sales plan; Production management plan; Managers and their organizations; Financial plan; Capital demand, etc.
In the plan summary, the enterprise must also answer the following questions: (1) the industry in which the enterprise is located, the nature and scope of its operation; (two) the contents of the main products of the enterprise; (3) Where is the market of the enterprise, who are the customers and what are the demands; (4) Who are the partners and investors of the enterprise; (5) Who are the competitors of the enterprise and what influence the competitors have on the development of the enterprise.
7. Market forecast and marketing strategy
When an enterprise wants to develop a new product or expand a new market, it must first make a market forecast. If the forecast results are not optimistic, or the reliability of the forecast is in doubt, then investors will have to take greater risks, which is unacceptable to most venture capitalists.
Market forecast must first predict the demand: is there any demand for this product in the market? Can the degree of demand bring the expected benefits to the enterprise? How big is the new market? What is the future trend of demand development and its state? What are the factors that affect demand? Secondly, the market forecast should also include the market competition? Analyze the competition pattern faced by enterprises: Who are the main competitors in the market? Is there a market gap that is beneficial to the products of this enterprise? What is the expected market share of this enterprise? How will our competitors react when we enter the market and what impact will these reactions have on the enterprise? Wait a minute.
In the business plan, the market forecast should include the following contents: a summary of the current market situation; Overview of competitors; Target customers and target markets; The market position of the products of this enterprise; Market area and characteristics, etc.
Marketing is the most challenging link in enterprise management, and the main factors affecting marketing strategies are: (1) the characteristics of consumers; (2) the characteristics of the product; (three) the enterprise itself; (4) Market environment factors. What ultimately affects marketing strategy is marketing cost and marketing benefit.
8. Financial planning
Projected balance sheet; Estimated income statement; Analysis of cash receipts and payments; Source and use of funds.
The financial planning of an enterprise should be consistent with the assumptions in the business plan. In fact, financial planning is closely related to enterprise's production plan, human resource plan and marketing plan.
Question 10: How to write the qualification certificate? Written by the relevant person in charge of the enterprise! The general loan process is that you submit personal loan requirements and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant and arranges a special person to contact the loan applicant. If the contact person passes the preliminary examination, then guide the loan applicant to provide the required materials, and then finally issue the loan.
General loan application, the required materials are as follows, you can judge for yourself-
Original and photocopy of the borrower's valid identity certificate;
Local permanent residence or valid residence identity certificate
Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.
The borrower's pledge right, the list of collateral and ownership certificate required to obtain the amount of pledge and mortgage, and the written document that the owner and the real estate * * * agree to pledge and mortgage.
A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
Credit certification materials of the guarantor.
Collateral appraisal report issued by the appraisal department recognized by the society.
Other documents and materials stipulated by the bank.