Financial Spreadsheet 41450 | Mfi Financial Projections Template

Partial file snippet.

Sheet 1: Intro

	
	
		Microfinance Ireland Financial Projections Template
		
	
		
	
		
	
		
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Please complete the following:
		
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		▪ Projected Cash Flow - to show how much cash will be needed to run your business - on a monthly basis
		
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		▪ Projected Profit & Loss Account - to show if your business will be profitable; list the assumptions you use in arriving at the figures
		
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		

		

		

		

		

		

		

		

		

		

		

		

		

		

	
	
		Business Name:
		

		
	
		
	
		Promoter(s):
		

		
	
		
	
		Date:
		

		
	
		

 




Sheet 2: P & L

	
	
	
	
	
	
		Microfinance Ireland Profit and Loss Template
		
	
		
	
		
	
		
	
		Profit & Loss A/C Forecast
		

		Assumptions
		
	
		

		Under the following headings please list briefly what your assumptions are in drawing up the projected Profit & Loss. Please note that Capital Expenditure is not included in the Profit & Loss.
		
	
		

		
	
		

		Q1. Please explain how the projected sales figures have been arrived at e.g., the number and value of sales, the average amount that you expect each customer to spend, average number of customers, etc.
		
	
		

		
	
		

		Year 1
		Break Even
		

		
	
		

		€ euros
		Analysis
		

		

		
	
		Sales (cash and credit)
		0
		0
		

		
	
		Other
		0
		0
		

		
	
		TOTAL
		0
		0
		

		
	
		

		

		

		

		
	
		Opening Stock
		0
		0
		

		
	
		Purchases (cash and credit)
		0
		0
		

		Q2. Please explain how the projected purchases figure has been calculated e.g., the number and cost of items purchased.
		
	
		Closing Stock
		0
		0
		

		
	
		Cost of Sales
		0
		0
		

		

		
	
		%
		

		

		

		
	
		Gross Profit
		0
		0
		

		
	
		%
		

		

		

		
	
		

		

		

		

		Q3. Please state the amount and value, at cost, of stock that you propose holding at the beginning and end of each financial year.
		
	
		Expenditure
		

		

		

		
	
		MFI Loan (Interest Portion)
		0
		0
		

		

		
	
		Other Loans and Grants
		0
		0
		

		
	
		Packaging
		0
		0
		

		
	
		Marketing, Promotion, Advertising
		0
		0
		

		Q4. Please state, under the heading of owner’s drawings, the amount that you propose to pay yourself for each year. You should err on the high side and we recommend that you refer to the reasonable living expenses calculation contained in the Insolvency Service of Ireland website (www.isi.gov.ie.)
		
	
		Transport and Delivery
		0
		0
		

		
	
		Owner's Drawings
		0
		0
		

		
	
		Staff Wages and Taxes 
		0
		0
		

		

		
	
		Rent & Rates
		0
		0
		

		
	
		Office (phone, light, cleaning) 
		0
		0
		

		
	
		Office (stationary, post, consumable)
		0
		0
		

		
	
		Computer Expenses
		0
		0
		

		
	
		Travel and Car Expenses
		0
		0
		

		Q5. How many people will the business employ, including the proprietor(s), during the year covered by these projections and how much will each be paid?
		
	
		Insurance (premises, liability, car, life)
		0
		0
		

		
	
		Repairs and Maintenance
		0
		0
		

		

		
	
		Professional and Legal Fees
		0
		0
		

		
	
		Equipment Leasing
		0
		0
		

		
	
		

		0
		0
		

		Notes
		
	
		Other (describe) ____________
		0
		0
		

		 • It is important to be realistic with the projected costs that the business will incur. We recommend that you err on the high side as inevitably there will be some expenses which have not been anticipated.
 • If the business will be VAT registered (refer to www.revenue.ie) the figures included for sales, purchases and expenses should EXCLUDE VAT.
 • Loan costs in the Profit & Loss forecast should only include the interest element of the borrowing whereas the cashflow forecast should include the full repayment amounts for all loans. 
 • The Break Even Analysis column should aim to establish the minimum level of sales that the business needs to stay afloat. Please remember that while some costs such as rent and rates, loan repayments, etc. will be fixed, other costs may vary depending on the level of sales.
		
	
		Other (describe) ____________
		0
		0
		

		
	
		Other (describe) ____________
		0
		0
		

		
	
		

		

		0
		

		
	
		Total Overheads
		0
		0
		

		
	
		%
		

		

		

		
	
		Net Profit after Interest before Corp.Tax
		0
		0
		

		
	
		%

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...Sheet intro microfinance ireland financial projections template please complete the following projected cash flow to show how much will be needed run your business on a monthly basis profit amp loss account if profitable list assumptions you use in arriving at figures name promoter s date p l and ac forecast under headings briefly what are drawing up note that capital expenditure is not included q explain sales have been arrived eg number value of average amount expect each customer spend customers etc year break even euro euros analysis credit other total opening stock purchases figure has calculated cost items purchased closing gross state propose holding beginning end mfi loan interest portion loans grants packaging marketing promotion advertising heading owner rsquo drawings pay yourself for should err high side we recommend refer reasonable living expenses calculation contained insolvency service website wwwisigovie transport delivery staff wages taxes rent rates office phone ligh...

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Microfinance Ireland Profit and Loss Template



Profit & Loss A/C Forecast			Assumptions
			Under the following headings please list briefly what your assumptions are in drawing up the projected Profit & Loss. Please note that Capital Expenditure is not included in the Profit & Loss.

			Q1. Please explain how the projected sales figures have been arrived at e.g., the number and value of sales, the average amount that you expect each customer to spend, average number of customers, etc.

	Year 1	Break Even
	€ euros	Analysis
Sales (cash and credit)	0	0
Other	0	0
TOTAL	0	0

Opening Stock	0	0
Purchases (cash and credit)	0	0	Q2. Please explain how the projected purchases figure has been calculated e.g., the number and cost of items purchased.
Closing Stock	0	0
Cost of Sales	0	0
%
Gross Profit	0	0
%
			Q3. Please state the amount and value, at cost, of stock that you propose holding at the beginning and end of each financial year.
Expenditure
MFI Loan (Interest Portion)	0	0
Other Loans and Grants	0	0
Packaging	0	0
Marketing, Promotion, Advertising	0	0	Q4. Please state, under the heading of owner’s drawings, the amount that you propose to pay yourself for each year. You should err on the high side and we recommend that you refer to the reasonable living expenses calculation contained in the Insolvency Service of Ireland website (www.isi.gov.ie.)
Transport and Delivery	0	0
Owner's Drawings	0	0
Staff Wages and Taxes	0	0
Rent & Rates	0	0
Office (phone, light, cleaning)	0	0
Office (stationary, post, consumable)	0	0
Computer Expenses	0	0
Travel and Car Expenses	0	0	Q5. How many people will the business employ, including the proprietor(s), during the year covered by these projections and how much will each be paid?
Insurance (premises, liability, car, life)	0	0
Repairs and Maintenance	0	0
Professional and Legal Fees	0	0
Equipment Leasing	0	0
	0	0	Notes
Other (describe) ____________	0	0	• It is important to be realistic with the projected costs that the business will incur. We recommend that you err on the high side as inevitably there will be some expenses which have not been anticipated. • If the business will be VAT registered (refer to www.revenue.ie) the figures included for sales, purchases and expenses should EXCLUDE VAT. • Loan costs in the Profit & Loss forecast should only include the interest element of the borrowing whereas the cashflow forecast should include the full repayment amounts for all loans. • The Break Even Analysis column should aim to establish the minimum level of sales that the business needs to stay afloat. Please remember that while some costs such as rent and rates, loan repayments, etc. will be fixed, other costs may vary depending on the level of sales.
Other (describe) ____________	0	0
Other (describe) ____________	0	0
		0
Total Overheads	0	0
%
Net Profit after Interest before Corp.Tax	0	0
%

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