Free Cell Phone Store Business Plan for Loans

Obtaining Business Financing

 

When obtaining a business loan for a cell phone store business, it is imperative that you have a properly structured business plan that will assist you in showcasing how you intend to operate your Cell Phone Store, how the business will operate, how you intend to market the business, the anticipated financial results of your company, and how you intend to repay your debt obligations. This sample loan business plan will provide you with the framework that you need in order to acquire a business loan for starting or expanding this type of business.

 

Executive Summary

 

Introduction

 

When obtaining a business loan for a cell phone store, it is imperative that your business plan has a clear and concise executive summary that provides an outline of what are seeking to accomplish, how much capital you are seeking to raise, the management biography of the business owner, and an overview of the anticipated profit and loss statements of the business. Here is an example of how the title paragraph should be written:

 

Cell Phone Store, Inc. (“the Company”) is seeking a business loan of $100,000 in order to launch the operations of a cell phone retailing business that will be based in San Francisco, California. The Company was founded in (Insert Year). The business was founded by Mr. John Doe.

 

Products and Services

 

In the next segment of the business loan and business planning document, you should showcase the products and services that you will be providing to the general public. For instance:

 

Cell Phone Store, Inc. will generate substantial revenues, via its retail location, from the retail sale of cell phones as well as from activation fees, sales of accessories, and other ancillary revenue streams from mobile phone services.

 

The third section of the business plan will further document the products services offered by the business.

 

Business Loan Terms

 

Now it is time to discuss the anticipated terms of the business plan that you are seeking. An example paragraph of how this is stated:

 

At this time, Mr. Doe is seeking a conventional business loan in the amount of $100,000. The interest rate, loan terms, and loan covenants are to be determined during negotiation. However, this business plan assumes that the business will receive a seven year business loan with a seven percent interest rate due on the outstanding principal balance.

Management Biography

 

Now that the summary of the business has been provided, it is time to provide a brief overview of the owner of the business. An example paragraph summing up the owner is as follows:

 

Mr. Doe is a highly experienced business person that has years of experience regarding the direct ownership and management of business. He will be able to effectively bring the operations of the Cell Phone Store to profitability while ensuring that the business loan’s payments and its covenants are met at all times.

Financial Statements

 

The most important thing to your lender when applying for a business loan is how you intend to repay the bank. In this section of the business plan, you should provide an overview of the finance’s of the business discussing the anticipated revenues, expenses, and profits/losses. You can also discuss the applicable collateral within the business plan that will be used to secure your business financing.

 

Expansion Plans

 

One of the most important aspects of your business plan is how you intend to expand the business over a three to five year period. Banks and finance companies always want to see that the business will experience a moderate to strong level of growth. This is especially true in business lending because as your business grows the cash flow that secures your business loan will decrease proportionality against your monthly credit obligations. An example of how this is stated is as follows:

 

The Cell Phone Store will continue to expand through organic means including increasing the Company’s advertising budget via the reinvestment into the after tax cash flows of the business. Additionally, if the business is highly successful then the Company may seek to establish additional Cell Phone Store locations after the third year of operations.

 

 

The Financing

 

Use of Business Loan Proceeds

 

In this section of the business plan you should focus on how the proceeds of the business loan will be used. An example of this would be as follows:

 

 

Management Equity

In this section of the business plan you should discuss the percentage ownership of the business among the owners of the business. For example:

 

Mr. Doe will own 100% of the Cell Phone Store.

 

Board of Directors

 

When applying for business financing, the bank will also want to know who serves as the board of directors. For small businesses, usually the owner serves as the director of the business. An example of how this is worded:

 

Mr. Doe will be the sole director of Cell Phone Store, Inc.

 

Exit Strategy

 

Any bank or financing company is also going to want to know what you intend to do with the business over a set period of time. Many business owners will develop and expand a business with the intent to sell the company to a third party at a later time. When drafting this part of the business plan you should focus on what you intentions are in regards to potentially selling the business. This is often worded as:

 

Mr. Doe would most likely sell the Cell Phone Store to a third party for a significant earnings multiple. Cell Phone Stores usually sell for approximately one to three times earnings given the financial strength of the business. In this event, the business would be sold by a business broker and the business loan sought in this plan would be repaid according to the covenants of the business loan agreement.

 

Products and Services

 

When developing a business plan that is appropriate for obtaining a business loan or other business credit facility you need to clearly showcase the services or products that you will be offering to the general public. An example of how this section is worded goes as follows:

 

As stated in the executive summary, the Cell Phone Store will specialize in making sales of cell phones to the general public. The Company anticipates that it will generate gross margins of approximately 40% on each cell phone sold. The business will also generate additional revenues from ongoing servicing of mobile phones as well as from initial activation fees when a customer signs up for a new cell phone plan. These service based revenues carry extremely high margins for the Cell Phone Store, Inc.

 

Industry and Market Analysis

 

The Current State of the Economy

 

It is important to let your financial institution know that you are well apprised of the financial situation of the general economy when you are applying for a business loan. This is especially true in today’s environment where lending has become more difficult and will remain more difficult in the foreseeable future. Specifically, you should gear this section of the business plan analysis towards the industry that you are operating within. For example:

 

The current economy has remained difficult over the past few years. However, Cell Phones have become an extremely important part of an individual’s life. In fact, many people now forego the use of a traditional land line and simply use a cell phone. As such, the business will be able to remain profitable not only from the sale of cell phones but also from the ongoing subscription and activation fees rendered to customers.

 

The Cell Phone Store Industry

 

In addition to providing your business loan officer with an understanding of the general economy, it is important that you showcase that you have an equal understanding of the industry in which you are operating within. As such, you will need to provide you business loan institution of a brief overview of your industry and any potential changes that may affect the way that your company does business. An example of how an industry overview is as follows:

 

Within the United States, there are more than 100,000 retailers and distributors of cell phones that operate one or more retail facilities. Approximately 75% of Americans now use a cell phone and require regular services for their mobile phone devices. In each of the last five years, the aggregate sales generated through the sales of cell phones has exceeded $100 billion. This demand is not expected to wane although Management does anticipate that cell phone stores will face stiffer pricing competition as more competitors enter the market.

 

Target Market

 

In this section of the business loan application and business plan analysis, you should focus on the demographics of your localized market (or national market if applicable). This section should discuss how many people live in your area, the anticipated number of people that would require the use of Cell Phone Stores, the median household income of people living in the area, poverty line statistics, and any applicable laws that would apply to your operation of Cell Phone Stores.

 

Competition

 

Many people that are developing new businesses or expanding existing businesses often feel that their business does not have any competition or limited competition at best. However, this is almost never the case. Unless you have re-invented the wheel – you will have competition. When applying for a business loan, you should clearly showcase your competition in your business plan. This is especially important to your banker as they will be able to gauge your ability to be successful in your targeted market. Many business loan underwriters will aggressively confirm that competitive nature of your local market and your local industry.

 

When drafting this section of the plan you should heavily discuss the competitive advantages that you intend to have over your competition.

 

Marketing Plan

 

In addition to all of the above information that we have covered, your business loan officer is also going to want to know how you intend to market your business to the general public. Most people do not quite understand how to effectively market their business outside of prominent signage or flyer distribution. When applying for a business loan (again in this difficult lending climate), your banker is going to want to see that you have a clear methodology of how you intend to market your services or products to the general public. In this section of the business plan – we will overview how to showcase your services/products to the general public.

 

Marketing Overview Example

 

 

 

Marketing Strategies Overview

Additionally, you will be required to further drill down (in your business plan) how you intend to implement your strategies when you launch or expand your business’s operations. In this section of the business loan and business plan documents, you should amplify the bullet points from the section above. For instance:

 

The Cell Phone Store intends to use a number of strategies that will create instant traffic and customer flow to the Company’s location. These strategies include not only using prominent facility and road signage, but also distributing flyers to people that fall into he Company’s targeted demographics. The business will also regularly take out advertisements in localized newspapers that showcase the Company’s hours of operations, cell phone products and  services, and specials that are occurring within the store on a regular basis.

 

The business will also maintain a highly informative website that showcases the Cell Phone Store’s products and services, its hours of operation, cell phone product listing information, and other relevant information in regards to the Company’s services. This website will be listed on major search engines such as Google as many people now use the internet to locate local businesses such as cell phone stores.

The Financial Plan

 

Beyond any other part of your business loan application or business plan, the financials section of these documents are what matters most when applying for a business loan or any other type of credit facility. Ultimately, this section of the business plan showcases not only what your anticipated profitability will be, but also how you intend to repay the funds that you have borrowed through your business financing facility. An example of how this section is structure is as follows:

 

Assumptions

 

 

Proforma Financials for a Business Loan

 

Now it is time to showcase how you intend to repay your loan, generate a profit, and increase the book value of your business over a three to five year period. BusinessPlansForLoan.com has developed an easy to use financial model that you can use when drafting out the financial model for your business plan and business loan application. Through your business loan application, you will be required to have the following:

 

Invest is the word to express act of investing or laying out funds or capital in an activity with the belief of profit. Investment is the assurance of something additional than money, time, energy or effort, a plan with the prospect of some valuable result, this job calls for the investment of some hard thinking.Investment is the assurance of something additional than money, time, energy or effort, a plan with the prospect of some valuable result, this job calls for the investment of some hard thinking. Investors contain be rushing to purchase gold as the financial disaster carry on to bite as a revenue of providing a safe continuing asset as other markets deteriorate. Gold actual value is not that it provided a rapid rough fix but that it obtainable a sure and stable means of caring wealth through investing. Gold is an attractive investment that should form an important part of one’s investment portfolio. Gold will certainly continue to remain popular as its investment qualities are highly valued. You are satisfied to let them produce within your range, reinvesting payments to purchase more shares, if your goal is setting up to hold the stocks for several years. A classic approach employs making normal purchases. You are not very worried with everyday variations but maintain a close eye on the basics of the company for adjust that could affect continuing growth.This is not reality that investment policy engages a lot of effort, almost everyone remains thinking that. Investment strategy is about investing your money in varied investment so that you can get to your financial goals within a preset period of time. Each type of investment has separate investments. It is fairly easy to get confused with all the person investments that are available when conducting a research on the different types of investments. Instance, if you think about investing in stocks of electronic companies. Though your investment strategy as to be such so that you can benefit to the highest while taking into account your investment manner and risk tolerance. It is fairly easy to get confused with all the person investments that are available when conducting a research on the different types of investments. Though your investment strategy as to be such so that you can benefit to the highest while taking into account your investment manner and risk tolerance. Risk tolerance refers to the amount of capital you might be ready to invest without feeling the touch. Investment method is about either being conformist or aggressive. If you are conformist, you will select for mutual funds, and if aggressive investor for shares of companies. When someone who you be supposed turn to when you have any question or doubts about your investments. Make sure you have a sound financial goal, in order to work successfully with your financial planner. Your strategy for investing will be developed based on your ambitions.

 

            On the last Saturday of April, World Tai Chi & Qigong Day will expand across hundreds of cities in over 65 nations and all 50 US states. It may offer something that can profoundly benefit our national and global economy. How?

The Chinese character for “crisis” is made up of two other characters, “danger,” and “opportunity.”

            If we let it, this economic crisis can enable a paradigm shift that will not only create a much more balanced and sane world, but also ensure a sustainable and enjoyable planet for our children and grandchildren’s children.

            Unknown to most of us, our planet has been severely “out of balance” for a long long time. Traditional Chinese Medicine has for millennia extolled the need for balance to ensure health, individual health, community health, and global health.

            What do I mean “out of balance”?, you may ask. I\’ll explain. My wife is from Hong Kong, while I grew up in a fairly affluent time in Western Kansas.  We weren’t rich or even upper middle class, but even in our blue collar world we had plenty, never went hungry, and took long road trips on cheap fuel whenever my father had time off.

            What I didn’t know, was that on the other side of the planet, a young girl I would one day marry was experiencing a world where resources were very precious. My parents understood that, from their experiences in the Great Depression.  However, I thought their views were out dated, and when I eventually met and married my wife, Angela Wong, I thought her views were not relevant to our modern world either.

            Angela, like my parents, extolled me not to “waste.”  Not to waste energy, fuel, paper towels, anything. She taught me that everything we consume is a precious commodity. I laughed at her for decades.

            I am no longer laughing.  I am changed.  Since the initial stunning collapse of much of our economy a few months ago, I now tear a tiny corner off of a paper towel to wipe up a small spill rather than use an entire paper towel. I have a Prius hybrid, and I play the game of seeing just how much road miles I can squeeze out of every gallon of gas. I’ve double paned our windows, and insulated our house, and bought energy saving appliances, and light bulbs. I no longer leave a door open when the heater or air conditioner are on, and have learned to live warmer in the summer and cooler in the winter.

            I am not miserable, or living less really, I’m just challenged to be efficient. I am growing from this experience.  I am evolving into a new person, a better conscious person. This crisis has been an opportunity, which I was propelled to by a danger of economic stress.

            From talking to friends, I believe there are millions, perhaps tens of millions of Americans doing the same thing now. So, when I make one paper towel do what ten paper towels did before, I “became aware,” I know that tens of millions of paper towels are being saved across our nation. Tens of millions of gallons of gas are being conserved.

            For decades half of the planet has been living at or near starvation wages.  Why?  When the wealth of some nations pulls resources out of poor nations like a sucking magnet, there are none left for locals.  When I was young, my father worked with a Mexican man who’d come from a part of Mexico that had grown water melons to export to America.  All his life in Mexico he’d never tasted water melon, until his arrival in America as a young adult.

            As fuel becomes expensive, long range exports become less attractive. Local lands in poor nations can possibly be more geared toward local populations nourishment, as we in developed wealthy nations again become accustomed to seasonal diets on locally produced produce.

            However, the fuel crisis can also spur a massive investment privately and publicly toward green, cheap renewable solar-wind type energies. This technology can then be exported to the world, to a China hungry for energy, for example.

            Our environment is in dire straights. Few people deny this any longer. A tipping point approaches, and if we do not radically move from fossil fuels (oil/coal) to renewables (wind, tide, solar), we may damage our ecosystem beyond the point of repair. Anyone who is conscious knows the weather has changed from when we were children. A point may come where that change escalates painfully worldwide.

            This time of economic “crisis” is dangerous, but sewn within it may be the opportunity to catapult the global economy to cheap renewable energy.  Because in the end it will be much cheaper, not only in the energy production, but the maintenance of the system, and the lack of environmental disasters and clean ups that other energy involves.

            Health care is another area that is set to experience a paradigm shift.  Current trends project that in coming years the United States annual health costs will exceed $4 trillion per year. This is unsustainable, and will bankrupt our nation, if left unchanged.

            However, it is changing us. We all have experienced outrageous insurance costs, and had to fight to get medical bills covered even if we are insured. We’ve seen health professionals set us on very expensive, and not always effective treatment protocols for our long term health.

            At the same time emerging research, and our personal experiences, are enlightening us about complimentary and alternative health solutions that can address many of the most common, and socially most expensive health challenges.

            Research has shown that Tai Chi, Yoga, and Meditation can lower high blood pressure, help with chronic pain and mobility problems, decrease depression, anxiety, ADHD, and mood disorder conditions. Type 2 Diabetes can be treated with Tai Chi and heart disease as well, according to emerging research.  A UCLA controlled study found that Tai Chi increased participants resistance to viral infection by 50%, and in another study found Tai Chi improved sleep quality in 65% of participants.  How much money is spent inoculating people, or treating flu victims?  How much business productivity is lost due to colds and flu that could have been avoided by inexpensive mind/body training? How much is spent on drugs for anxiety, depression, and sleep loss

            When spending $10 or $20 a week learning Tai Chi or Yoga can save us thousands or tens of thousands in future health costs, and our wallets grow increasingly thin . . . the options become ever more appealing

            A twenty year study by Kaiser Permenente found that between 70 to 85% of all illness sending patients to their doctors were caused by stress, not aggravated by stress, but CAUSED by stress.  As our corporations learn that by including mind/body health into corporate wellness can save each company tens of thousands of saved health insurance and lost productivity dollars, things shift.

            When our education system begins to teach mind/body health tools to our 90 million students, we will begin to see trillions in future annual health spending saved. This is a wonderful opportunity, propelled forward by an economic crisis.

            Without the economic crisis, we would likely have staggered along relying on drug and surgery as our first line of health defense, rather than as a last line of defense, opting first for natural mind/body training that can actually heal these problems rather than just reducing symptoms.

            This time of crisis is actually an age of opportunity.  The question is, will we take this opportunity to change, or will we grit our teeth and grip onto old arcane ways of living, that are constipating the birth of a new way, a new world?

            The ancient Chinese Yin Yang symbol, if you look within the white dots and black dots, hold smaller yin yangs, and so on and so on.  This symbolized that our bodies function can be seen in the collaboration of cells in the body, and our society’s function or health is reflected in the body’s health and function.  What does this mean to our modern society?

            In Tai Chi or Qigong practice, we learn that the tension in our mind, heart, and body restricts blood flow, energy flow, immune cells distribution, nutrient distribution, etc.  So, when we “tighten up” around old thoughts, fears, hatreds, prejudices, patterns, all our body\’s vital flowing functions tighten up and restrict the ability of all our systems to maximize health.

           A Tai Chi or Qigong practitioner breathes deeply, and envisions “letting go” of “old rigidities” we’ve collected so that we can open, and flow into a newer healthier, more expansive paradigm of health.  By “loosening up” our mental, emotional, and physical being, we can allow it to re-form into the most optimum state to maximize our health.

           Our local, national, and global society is being challenged right now to re-form into a newer evolving self image that will nurture our people, our planet, and our emerging reforming economy.  If we tighten up around old patterns, fears, prejudices, etc. like our body’s tend to do, we will constipate our ability to open to the flow leading us to the most optimum future possible.

           As hundreds of millions worldwide open to mind/body techniques to maximize their health, and minimize their health costs, they will experience a “side-effect.”  Not the negative kind of side effect we see in drug ads on TV, but another side effect pregnant with possibility.

          As these hundreds of millions of people “loosen” their grip on the old rigid thoughts, feelings, and behaviors, their communities and nations too will loosen their grip on old wasteful economic policies. The nutrients of raw materials on an over populated planet, will begin to flow to technologies and production that will maximize effect, while minimizing cost.

          New industries will bloom that will take free sunshine and free wind, and power cars and industry with it and increasingly lower costs.  Labor may find gainful employment in fields that nurture health and wellbeing in society, rather than unabashed consumerism for the sake of consumerism and profit.  We may find that these new industries not only do not damage our societies or eco-systems, but rather nurture it on many levels.

          For example, Tai Chi, Qigong, and Meditation teachers are a labor intensive industry that spreads out wealth across communities worldwide, rather than focusing profits in the hands of tiny pharmaceutical distributions points.  The result will be more vibrant, healthier, more creative populations who ripple out economic innovation and benefit throughout their communities in a very de-centralized way. 

          This will benefit the ecosystem. Why?  A Kansas City Star article a few years back pointed out that the largest polluter of the Missouri River was pharmaceuticals, not from industry, but from human waste run off.  As people turn to mind/body health solutions, they will not only spread wealth across the economy, but reduce pollution problems.

          Mind/body tools also reduce violent and aberrant behaviors in practitioners according to studies, and in fact the calming effect they promote seems to spread out through larger populations around them, as was demonstrated in a large Transcendental Meditation study in Washington DC in the early 1990s.  In this study an influx of TM Meditators actually lowered the violent crime rate of the entire city.

          Given that the United States now imprisons more people than any nation on the planet, spending untold hundreds of billions annually on police, courts, and penal systems, such a side effect of mind/body training of our people, can dramatically save on these costs as well.

          Our economic crisis does present a danger if we lock up our mind, heart, and body around old patterns. However, as the Chinese symbol tells us, it also offers us great opportunity to move into a new paradigm of humanity that will nurture us all and our precious planet for generations to come. We know that bad patterns are passed down through family’s, so as economic concerns drive our people to mind/body healing solutions, these too will influence future generations, unfolding multi-faceted benefits we cannot even imagine.

          It is time to breathe, to loosen, to change and flow into a new future of limitless possibility.  World Tai Chi & Qigong Day\’s WorldTaiChiDay.org provides you with free \”Breathing Lessons\” and more to facilitate this process.  WTCQD has offered these tools for some of the world\’s largest corporations staffs and executives, major international health insitutions and corporations, and to government worldwide as free public health services.

          And on the last Saturday of April teach-ins will be held in hundreds of cities spanning over 65 nations on 6 continents, and all 50 US states, sharing the mind/body tools that incorporate breathing, visualization, and gentle movement to relax the mind, heart and body so that it can open to vast possibility on many levels.

Free Liquor Store Business Plan for Loans

Obtaining Business Financing

 

When obtaining a business loan for a liquor store business, it is imperative that you have a properly structured business plan that will assist you in showcasing how you intend to operate your Liquor Store, how the business will operate, how you intend to market the business, the anticipated financial results of your company, and how you intend to repay your debt obligations. This sample loan business plan will provide you with the framework that you need in order to acquire a business loan for starting or expanding this type of business.

 

Executive Summary

 

Introduction

 

When obtaining a business loan for a Liquor Store, it is imperative that your business plan has a clear and concise executive summary that provides an outline of what are seeking to accomplish, how much capital you are seeking to raise, the management biography of the business owner, and an overview of the anticipated profit and loss statements of the business. Here is an example of how the title paragraph should be written:

 

Liquor Store, Inc. (“the Company”) is seeking a business loan of $100,000 in order to launch the operations of a Liquor Store business that will be based in San Francisco, California. The Company was founded in (Insert Year). The business was founded by Mr. John Doe.

 

Products and Services

 

In the next segment of the business loan and business planning document, you should showcase the products and services that you will be providing to the general public. For instance:

 

The Liquor Store will provide its customers with a broad array of wines, beers, and spirits for sale to the general public. At all times, the Liquor Store will comply with all applicable state and federal laws regarding the sale of alcohol to the general public. The business anticipates that it will generate gross margins of 40% on all alcoholic beverage products sold through the liquor store.

 

The third section of the business plan will further discuss the operations of the business.

 

Business Loan Terms

 

Now it is time to discuss the anticipated terms of the business plan that you are seeking. An example paragraph of how this is stated:

 

At this time, Mr. Doe is seeking a conventional business loan in the amount of $100,000. The interest rate, loan terms, and loan covenants are to be determined during negotiation. However, this business plan assumes that the business will receive a seven year business loan with a seven percent interest rate due on the outstanding principal balance.

Management Biography

 

Now that the summary of the business has been provided, it is time to provide a brief overview of the owner of the business. An example paragraph summing up the owner is as follows:

 

Mr. Doe is a highly experienced business person that has years of experience regarding the direct ownership and management of business. He will be able to effectively bring the operations of the Liquor Store to profitability while ensuring that the business loan’s payments and its covenants are met at all times.

Financial Statements

 

The most important thing to your lender when applying for a business loan is how you intend to repay the bank. In this section of the business plan, you should provide an overview of the finance’s of the business discussing the anticipated revenues, expenses, and profits/losses. You can also discuss the applicable collateral within the business plan that will be used to secure your business financing.

 

Expansion Plans

 

One of the most important aspects of your business plan is how you intend to expand the business over a three to five year period. Banks and finance companies always want to see that the business will experience a moderate to strong level of growth. This is especially true in business lending because as your business grows the cash flow that secures your business loan will decrease proportionality against your monthly credit obligations. An example of how this is stated is as follows:

 

The Liquor Store will continue to expand through organic means including increasing the Company’s advertising budget via the reinvestment into the after tax cash flows of the business. Additionally, if the business is highly successful then the Company may seek to establish additional Liquor Store locations after the third year of operations.

 

 

The Financing

 

Use of Business Loan Proceeds

 

In this section of the business plan you should focus on how the proceeds of the business loan will be used. An example of this would be as follows:

 

 

Management Equity

In this section of the business plan you should discuss the percentage ownership of the business among the owners of the business. For example:

 

Mr. Doe will own 100% of the Liquor Store.

 

Board of Directors

 

When applying for business financing, the bank will also want to know who serves as the board of directors. For small businesses, usually the owner serves as the director of the business. An example of how this is worded:

 

Mr. Doe will be the sole director of Liquor Store, Inc.

 

Exit Strategy

 

Any bank or financing company is also going to want to know what you intend to do with the business over a set period of time. Many business owners will develop and expand a business with the intent to sell the company to a third party at a later time. When drafting this part of the business plan you should focus on what you intentions are in regards to potentially selling the business. This is often worded as:

 

Mr. Doe would most likely sell the Liquor Store to a third party for a significant earnings multiple. Liquor Stores usually sell for approximately one to three times earnings given the financial strength of the business. In this event, the business would be sold by a business broker and the business loan sought in this plan would be repaid according to the covenants of the business loan agreement.

 

Products and Services

 

When developing a business plan that is appropriate for obtaining a business loan or other business credit facility you need to clearly showcase the services or products that you will be offering to the general public. An example of how this section is worded goes as follows:

 

The Liquor Store will carry an extensive and diverse inventory of wines, beers, and spirits. Primarily the Company will focus on the sale of wine as it produces the highest margins for the business. At all times, the business will have appropriate checks in place to ensure that people under the age of 21 do not buy alcoholic products from the Liquor Store.

During the holiday seasons, the business will generate additional revenues from the sale of gift baskets that contain wine, chocolates, and other goods. This will substantially increase the revenues of the Liquor Store during the holiday season.

 

 

Industry and Market Analysis

 

The Current State of the Economy

 

It is important to let your financial institution know that you are well apprised of the financial situation of the general economy when you are applying for a business loan. This is especially true in today’s environment where lending has become more difficult and will remain more difficult in the foreseeable future. Specifically, you should gear this section of the business plan analysis towards the industry that you are operating within. For example:

 

The current economy has remained difficult over the past few years. However, Liquor Stores and drinking establishments tend to fair well during difficult economic climates. As such, the Liquor Store will be able to remain profitable and cash flow positive in any economic climate.

 

The Liquor Store Industry

 

In addition to providing your business loan officer with an understanding of the general economy, it is important that you showcase that you have an equal understanding of the industry in which you are operating within. As such, you will need to provide you business loan institution of a brief overview of your industry and any potential changes that may affect the way that your company does business. An example of how an industry overview is as follows:

 

On a nationwide basis, there are more than 45,000 stores that specialize in the sale of liquor, wine, beer, and other spirits to the general public. On an annual basis, these businesses aggregate generate more than $50 billion of revenue and employ more than 200,000 people. This is a mature industry and the future expected growth rate of the business is expected to mirror that of the general economy.

 

Target Market

 

In this section of the business loan application and business plan analysis, you should focus on the demographics of your localized market (or national market if applicable). This section should discuss how many people live in your area, the anticipated number of people that would require the use of Liquor Stores, the median household income of people living in the area, poverty line statistics, and any applicable laws that would apply to your operation of Liquor Stores.

 

Competition

 

Many people that are developing new businesses or expanding existing businesses often feel that their business does not have any competition or limited competition at best. However, this is almost never the case. Unless you have re-invented the wheel – you will have competition. When applying for a business loan, you should clearly showcase your competition in your business plan. This is especially important to your banker as they will be able to gauge your ability to be successful in your targeted market. Many business loan underwriters will aggressively confirm that competitive nature of your local market and your local industry.

 

When drafting this section of the plan you should heavily discuss the competitive advantages that you intend to have over your competition.

 

Marketing Plan

 

In addition to all of the above information that we have covered, your business loan officer is also going to want to know how you intend to market your business to the general public. Most people do not quite understand how to effectively market their business outside of prominent signage or flyer distribution. When applying for a business loan (again in this difficult lending climate), your banker is going to want to see that you have a clear methodology of how you intend to market your services or products to the general public. In this section of the business plan – we will overview how to showcase your services/products to the general public.

 

Marketing Overview Example

 

 

Marketing Strategies Overview

Additionally, you will be required to further drill down (in your business plan) how you intend to implement your strategies when you launch or expand your business’s operations. In this section of the business loan and business plan documents, you should amplify the bullet points from the section above. For instance:

 

The Liquor Store intends to use a number of strategies that will create instant traffic and customer flow to the Company’s location. These strategies include not only using prominent facility and road signage, but also distributing flyers to people that fall into he Company’s targeted demographics. The business will also regularly take out advertisements in localized newspapers that showcase the Company’s hours of operations, liquor store products, and specials that are occurring within the store on a regular basis.

 

The business will also maintain a highly informative website that showcases the Liquor Store’s products, its hours of operation,  liquor product listing information, licensure information, and other relevant information in regards to the Company’s services. This website will be listed on major search engines such as Google as many people now use the internet to locate local businesses.

 

The Financial Plan

 

Beyond any other part of your business loan application or business plan, the financials section of these documents are what matters most when applying for a business loan or any other type of credit facility. Ultimately, this section of the business plan showcases not only what your anticipated profitability will be, but also how you intend to repay the funds that you have borrowed through your business financing facility. An example of how this section is structure is as follows:

 

Assumptions

 

 

Proforma Financials for a Business Loan

 

Now it is time to showcase how you intend to repay your loan, generate a profit, and increase the book value of your business over a three to five year period. BusinessPlansForLoan.com has developed an easy to use financial model that you can use when drafting out the financial model for your business plan and business loan application. Through your business loan application, you will be required to have the following:

 

Free Day Care Center Business Plan for Loans

Obtaining Business Financing

 

When obtaining a business loan for a day care center business, it is imperative that you have a properly structured business plan that will assist you in showcasing how you intend to operate your Day Care Center, how the business will operate, how you intend to market the business, the anticipated financial results of your company, and how you intend to repay your debt obligations. This sample loan business plan will provide you with the framework that you need in order to acquire a business loan for starting or expanding this type of business.

 

Executive Summary

 

Introduction

 

When obtaining a business loan for a day care center, it is imperative that your business plan has a clear and concise executive summary that provides an outline of what are seeking to accomplish, how much capital you are seeking to raise, the management biography of the business owner, and an overview of the anticipated profit and loss statements of the business. Here is an example of how the title paragraph should be written:

 

Day Care Center, Inc. (“the Company”) is seeking a business loan of $100,000 in order to launch the operations of a day care center business that will be based in San Francisco, California. The Company was founded in (Insert Year). The business was founded by Mr. John Doe.

 

Products and Services

 

In the next segment of the business loan and business planning document, you should showcase the products and services that you will be providing to the general public. For instance:

 

The Day Care Center will provide round the clock childcare services to the general public of San Francisco. The business will serve meals, provide basic educational services, and after-hours care services for parents that need assistance caring for their children during daytime hours. At all times, the Day Care Center will remain within the letter of the law regarding the sale of Day Care Services especially as it relates to hiring individuals that work with children.

 

Business Loan Terms

 

Now it is time to discuss the anticipated terms of the business plan that you are seeking. An example paragraph of how this is stated:

 

At this time, Mr. Doe is seeking a conventional business loan in the amount of $100,000. The interest rate, loan terms, and loan covenants are to be determined during negotiation. However, this business plan assumes that the business will receive a seven year business loan with a seven percent interest rate due on the outstanding principal balance.

Management Biography

 

Now that the summary of the business has been provided, it is time to provide a brief overview of the owner of the business. An example paragraph summing up the owner is as follows:

 

Mr. Doe is a highly experienced business person that has years of experience regarding the direct ownership and management of business. He will be able to effectively bring the operations of the Day Care Center, Inc. to profitability while ensuring that the business loan’s payments and its covenants are met at all times.

Financial Statements

 

The most important thing to your lender when applying for a business loan is how you intend to repay the bank. In this section of the business plan, you should provide an overview of the finance’s of the business discussing the anticipated revenues, expenses, and profits/losses. You can also discuss the applicable collateral within the business plan that will be used to secure your business financing.

 

Expansion Plans

 

One of the most important aspects of your business plan is how you intend to expand the business over a three to five year period. Banks and finance companies always want to see that the business will experience a moderate to strong level of growth. This is especially true in business lending because as your business grows the cash flow that secures your business loan will decrease proportionality against your monthly credit obligations. An example of how this is stated is as follows:

 

The Day Care Center will continue to expand through organic means including increasing the Company’s advertising budget via the reinvestment into the after tax cash flows of the business. Additionally, if the business is highly successful then the Company may seek to establish additional Day Care Center locations after the third year of operations.

 

 

The Financing

 

Use of Business Loan Proceeds

 

In this section of the business plan you should focus on how the proceeds of the business loan will be used. An example of this would be as follows:

 

 

Management Equity

In this section of the business plan you should discuss the percentage ownership of the business among the owners of the business. For example:

 

Mr. Doe will own 100% of the Day Care Center.

 

Board of Directors

 

When applying for business financing, the bank will also want to know who serves as the board of directors. For small businesses, usually the owner serves as the director of the business. An example of how this is worded:

 

Mr. Doe will be the sole director of Day Care Center, Inc.

 

Exit Strategy

 

Any bank or financing company is also going to want to know what you intend to do with the business over a set period of time. Many business owners will develop and expand a business with the intent to sell the company to a third party at a later time. When drafting this part of the business plan you should focus on what you intentions are in regards to potentially selling the business. This is often worded as:

 

Mr. Doe would most likely sell the Day Care Center to a third party for a significant earnings multiple. Day Care Centers usually sell for approximately one to three times earnings given the financial strength of the business. In this event, the business would be sold by a business broker and the business loan sought in this plan would be repaid according to the covenants of the business loan agreement.

 

Products and Services

 

When developing a business plan that is appropriate for obtaining a business loan or other business credit facility you need to clearly showcase the services or products that you will be offering to the general public. An example of how this section is worded goes as follows:

 

As stated in the executive summary, the Day Care Center will provide a broad spectrum of daycare services to the general public including round the clock support for parents that cannot care for their child on a full day basis. The Day Care Center will serve meals, provide general education services, and provide transportation services for children when needed.

 

At this time, the business is seeking to obtain the appropriate licensure to ensure that the business can commence operations as soon as the Day Center receives the financing sought in this business plan.

 

 

Industry and Market Analysis

 

The Current State of the Economy

 

It is important to let your financial institution know that you are well apprised of the financial situation of the general economy when you are applying for a business loan. This is especially true in today’s environment where lending has become more difficult and will remain more difficult in the foreseeable future. Specifically, you should gear this section of the business plan analysis towards the industry that you are operating within. For example:

 

The current economy has remained difficult over the past few years. However, Day Care Centers typically operate with a strong level of economic stability as parents will continue to require to have their children cared for on a regular basis despite the current state of the economy. As such, the Day Care Center will be able to remain profitable and cash flow positive during any economic climate.

 

The Day Care Center Industry

 

In addition to providing your business loan officer with an understanding of the general economy, it is important that you showcase that you have an equal understanding of the industry in which you are operating within. As such, you will need to provide you business loan institution of a brief overview of your industry and any potential changes that may affect the way that your company does business. An example of how an industry overview is as follows:

 

There are over 62,400 childcare establishments in the United States. These businesses produce over $18 billon dollars a year in gross receipts. Additionally, the business employs over 628,000 people, and generates payroll figures of $7.2 billion dollars a year. Approximately 42,000 of these businesses operate as for profit businesses with the remainder of these companies providing services in a not-for-profit setting, such as a religious institution.

 

The industry has experienced a tremendous rate of growth over the last ten years. The industry from 1999 to 2005 experienced growth of more than 18% over the five year period. This industry is one of the fastest growing industries in the United States. This is primarily attributable to the extremely high divorce rate in this country. As single parent families have become normalized, the need for daycare services has grown immensely as the traditional nuclear family has become a rare breed. Additionally, many more families are two income families, and as such, the need for daycare centers among these demographics is immense.

Target Market

 

In this section of the business loan application and business plan analysis, you should focus on the demographics of your localized market (or national market if applicable). This section should discuss how many people live in your area, the anticipated number of people that would require the use of Day Care Centers, the median household income of people living in the area, poverty line statistics, and any applicable laws that would apply to your operation of Day Care Centers.

 

Competition

 

Many people that are developing new businesses or expanding existing businesses often feel that their business does not have any competition or limited competition at best. However, this is almost never the case. Unless you have re-invented the wheel – you will have competition. When applying for a business loan, you should clearly showcase your competition in your business plan. This is especially important to your banker as they will be able to gauge your ability to be successful in your targeted market. Many business loan underwriters will aggressively confirm that competitive nature of your local market and your local industry.

 

When drafting this section of the plan you should heavily discuss the competitive advantages that you intend to have over your competition.

 

Marketing Plan

 

In addition to all of the above information that we have covered, your business loan officer is also going to want to know how you intend to market your business to the general public. Most people do not quite understand how to effectively market their business outside of prominent signage or flyer distribution. When applying for a business loan (again in this difficult lending climate), your banker is going to want to see that you have a clear methodology of how you intend to market your services or products to the general public. In this section of the business plan – we will overview how to showcase your services/products to the general public.

 

Marketing Overview Example

 

 

Marketing Strategies Overview

Additionally, you will be required to further drill down (in your business plan) how you intend to implement your strategies when you launch or expand your business’s operations. In this section of the business loan and business plan documents, you should amplify the bullet points from the section above. For instance:

 

The Day Care Center intends to use a number of strategies that will create instant traffic and customer flow to the Company’s location. These strategies include not only using prominent facility and road signage, but also distributing flyers to people that fall into he Company’s targeted demographics. The business will also regularly take out advertisements in localized newspapers that showcase the Company’s hours of operations, day care center services, and other information relating to the operation of the Day Care Center.

 

The business will also maintain a highly informative website that showcases the Day Care Center’s services, its hours of operation, licensure information, and other relevant information in regards to the Company’s services. This website will be listed on major search engines such as Google as many people now use the internet to locate local businesses such as Day Care Centers. The business will also develop ongoing referral relationships with local schools that have children that need after-hour childcare needs.

 

The Financial Plan

 

Beyond any other part of your business loan application or business plan, the financials section of these documents are what matters most when applying for a business loan or any other type of credit facility. Ultimately, this section of the business plan showcases not only what your anticipated profitability will be, but also how you intend to repay the funds that you have borrowed through your business financing facility. An example of how this section is structure is as follows:

 

Assumptions

 

 

Proforma Financials for a Business Loan

 

Now it is time to showcase how you intend to repay your loan, generate a profit, and increase the book value of your business over a three to five year period. BusinessPlansForLoan.com has developed an easy to use financial model that you can use when drafting out the financial model for your business plan and business loan application. Through your business loan application, you will be required to have the following:

 

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