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 2: How to write the financial plan of the business plan with the investment cycle as the main line? First of all, in the whole process of this business plan, carefully budget your capital needs and use. Second, how much income can be obtained after the implementation of this business plan.
For example: list the money you will spend in the first year, how much, and what to use; What about the second year? The first year, so;
After which year (investment cycle) did you start to generate profits, and what was the profit?
Suggest a book suitable for people before starting a business, "Learn some financial knowledge in the early stage of starting a business".
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: How to understand the capital planning and financial management in the process of starting a business? College students should be fully prepared, learn the basic knowledge of finance, know how to carry out financial management, and fully understand all aspects of financial management in the process of enterprise operation, so as to make reasonable guidance and planning for the growth and development of enterprises in financial management. At present, many colleges and universities have many different forms of training activities in this field, and those students who need to be interested in starting a business can actively participate in them to prepare for starting a business. College students' entrepreneurs should establish the consciousness of attaching importance to financial management, pay full attention to the financial management problems in the process of enterprise development, and establish a perfect financial management system.
Secondly, in the process of starting a business, college students need to integrate the concept of attaching importance to financial management into other staff, organize training for relevant personnel regularly or irregularly, and promote the attention of all staff to financial planning. The standardization of financial basic work is the premise and foundation of doing a good job in enterprise financial work. Without standardized financial basic work, any work lacks a solid foundation. Therefore, college students' entrepreneurs should standardize the collection and storage of original vouchers, improve the preparation of accounting vouchers and the preparation and audit of financial statements, which are important foundations in the financial management of college students' entrepreneurial enterprises. Standardizing these tasks is conducive to the orderly realization of enterprise financial planning. Therefore, in order to strengthen this work, enterprises can hire relevant professionals to carry out financial management. Although this will increase the related expenses of enterprises, it can provide more professional financial management for enterprises and ensure the standardization of financial management. In addition, relevant enterprises should establish the necessary supervision system and strengthen the supervision of financial management and its basic work to avoid greater risks caused by poor management.
Question 5: What are the main points of venture capital planning? Venture capital planning should do the following: first, the original start-up funds, that is, fixed assets, machinery and equipment, factory equipment rent, etc. This project must be invested heavily, without which it can't be started. Second, the project public relations budget is necessary. In the early days of starting a business, there were few advertisements in the early stage, and it was necessary to rely on public relations to find relationships and pull orders, so this was generally needed. Third, the salary cost of personnel for at least three months is generally necessary in the first few months!
Question 6: 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 7: How to do business planning? Hello! I think we should do business planning. I hope you can use it. The first stage is to prepare for starting your own business through learning.
This stage is the key for you to start a business, that is to say, only when you are fully prepared can you be handy. However, during this period, you should also master the most effective methods, otherwise it will often backfire. Therefore, it is very important to choose a learning platform. In my opinion, this platform to help you learn must meet the following conditions: First, you must have a large number of successful cases and successful entrepreneurial stories to improve your work. Secondly, there should be a lot of business information and enterprise information to choose from, in addition, it should also include rich news information. , and there are not many websites that can meet these requirements. Among them, Tianxia Business Opportunity Network, as the world's first Chinese advertising business opportunity portal, is one of the more abundant websites. At this stage, it also includes three learning stages:
1. Find your favorite industry and foothold during job-hopping.
2. Accumulate your own entrepreneurial experience through part-time jobs during the cultivation period.
3. Waiting and looking for entrepreneurial opportunities, remember that the business is unfamiliar!
In the second stage, we will set up our own business to ensure a certain profit.
This stage is the starting point of starting a business, which is not only related to whether your business can be profitable, but also related to whether your business can be successful and whether your business can develop. Therefore, it is particularly important to choose entrepreneurial projects, and good projects must be found on a good platform. It is understood that in order to help netizens find the most suitable entrepreneurial projects more conveniently, the World Business Network came into being. It includes not only the latest, hottest and most profitable entrepreneurial projects, but also wealth creation information such as wealth business opportunities, real estate, education, etc., which fully meets the various needs of different netizens and truly achieves the entrance of unlimited wealth business opportunities. At this stage, it is particularly important to note that this stage will go through the following eight periods:
1. During the planning period, make a detailed plan for the business you have already thought about, and pay attention to everything yourself!
2. Implement your own business plan according to your own plan during the establishment period. The shorter the establishment period, the better, and the less money you spend!
Life-long enterprises have started, so it is very important to survive. Try to keep the enterprise alive, only by living can it be profitable and develop.
4. Earn your first bucket of gold as soon as possible during the struggle period, and let yourself breathe a sigh of relief.
In the third stage, the enterprise will develop to a stable profit level and continue to operate forever.
This stage belongs to the maintenance and development stage, and the success of entrepreneurship is very important in this step. It needs your constant attention. At the same time, as an entrepreneur, you need to constantly learn and update the concept, development path and business model of the enterprise. Therefore, the business opportunities in the world provide entrepreneurs with a large number of entrepreneurial strategies, entrepreneurial stories and entrepreneurial bibles for free ... so that entrepreneurs can learn from and think in the process of starting a business, and entrepreneurs can make profitable decisions for enterprises more accurately in this large amount of entrepreneurial experience! This stage includes the following three periods:
1, the adjustment period is a key step to ensure the fruits of victory. The goal of the struggle period has been achieved. It is time to consider new business ideas-expanding or maintaining the status quo or?
2. The consolidation period, strengthen the adjustment stage, and prepare for development! At this time, you should be a coach, not a player, so that every player can be in place step by step!
3. In the development period, the enterprise has been running at a steadily rising profit level, and you can be the boss easily, but this does not mean that you can sit back and relax, because today's successful experience may be outdated tomorrow, and the safest way is to keep attacking and let the enterprise keep moving forward!
Question 8: How to correctly use venture capital to borrow money to start a business may be a simple matter, but it is also a dangerous thing, because it is easy to be too indulgent and rash to start a business with other people's money, which will easily lead to business risks and difficulties in starting a business. Therefore, even if you want to start a business with a loan, you must have your own funds, especially for small enterprises. It is best to have more than half of the funds for yourself. Only in this way can you be responsible for yourself. You should decide every penny you spend, and use it carefully and spend it carefully. Moreover, starting a business is not necessarily a success. Once it fails, it will fall into a debt crisis, which will adversely affect future entrepreneurship. Being stingy is also a kind of happiness! Remember this!
Ordinary people easily ignore the cost of starting a business, which may lead to various financial crises in the future. Although we are full of entrepreneurial enthusiasm, if we lack rational thinking and careful planning, we think that it is easy to make money in operation and underestimate the cost, which may bring great danger to our own enterprises. Such as cash flow. Therefore, we must carefully calculate the cost of starting a business, seriously implement it, and don't change it at will. Don't calculate the cost of starting a business too much, because it is difficult to make money in the early stage of starting a business, and the cost is too high, which reduces the opportunity to recover the cost and undermines the confidence of entrepreneurs.
For example, when we calculate the cost, we set the rent of the venture site as 1000 yuan a month, but when we actually searched, we found an ideal place, but the rent was 1350 yuan. Maybe you will think that it is only expensive in 350 yuan, nothing, and it is easy to fall into the trap. When starting a business, you must take into account that there is probably no business at first. If the monthly rent of 350 yuan is too much, it will soon become a heavy burden. So be careful when calculating the cost. Only those who can successfully control the cost of starting a business will gain something.
In addition, there are many ways to reduce cash outflows. You can buy cheap office supplies, try to find a house with lower rent and reduce the number of people and working hours. You can also postpone hiring employees until you need someone.
In terms of increasing cash inflow, we can not only find ways to increase sales, but also increase the payment speed of customers. For example, customers can pay within 10 days instead of 30 days, which can recover funds 20 days in advance and speed up capital turnover.
In order to avoid the phenomenon of difficult capital turnover, it is best to cherish the cash on hand. Don't spend a lot of money to buy assets with depreciation life, such as houses and equipment, unless necessary. This is why some entrepreneurs, knowing that real estate is about to appreciate, would rather rent an office than buy an office building at the beginning of their business. Don't buy a lot of unnecessary assets to show your strength, try to set aside more cash as a reserve for starting a business.
In addition, we must be careful in publicity expenses. Although publicity is necessary, the real success of an enterprise does not depend on boasting. At the beginning of starting a business, the research institute should not spend a lot of money on publicity, which may even drag down the enterprise. It takes a long time to realize the actual benefits of publicity expenses, so. As long as the publicity is in place, it will not affect the flow of funds.
Entrepreneurs usually make two extreme mistakes when calculating gross profit: the first is that they have no confidence in their products, are afraid of competing with others, and set the gross profit very low, which easily leads to the phenomenon that the goods are sold out but unprofitable. The other is because I don't know the market rate of return, and the more I hope to earn, the higher the profit, which leads to the unsold goods and the backlog. Because there is no business, there is no way to talk about profit. Therefore, we should properly grasp the balance point and have a clearer understanding of our capital expenditure and income, so as to set a reasonable profit rate and greatly increase our chances of success in starting a business.
(Business Network-Information Editor: Han Hai)
Question 9: How to write a business plan for innovative and entrepreneurial projects generally includes: abstract, overview of entrepreneurial organizations, products and services, market analysis, business strategy, management team, route research, financial analysis, opportunities and risks, capital requirements, etc.
(1) Summary
This is a one-or two-page summary of the business plan. Briefly put forward the design and overall scheme of the business plan, which requires certain attraction and concise language. Let people know the main contents of the plan as soon as possible.
(B) Overview of entrepreneurial organizations
target
Name and structure
target
Business strategy
product value
Need facilities
(3) Products and services
A describe the advantages of the product/service: the function, value, application field and service mode of the product/service.
B. technical description: a brief introduction of unique technology; Technological development environment.
C. product development process and improvement plan
D. Prospects of products/services
(4) Market analysis
Market demand forecast
capacity of the market
competitive edge
Market development trend and countermeasures
(5) Business strategy
Marketing plan: pre-advertising plan, market supply and demand response
Planning and development plan: development status and objectives
Production and operation plan: good operation, equipment used and improvement.
(6) Management team
Introduce the composition of the management team.
Ability and experience of management team
Overall management plan
(7) Operation process
Sources of capital and technology in the early stage of starting a business
The process and timetable of using venture capital and technological improvement
Capital flow and development plan
Development steps of entrepreneurial organizations
(viii) Financial analysis
Pre-project capital budget
Income forecast
Distribution and utilization of income
Improve the planning of financial system
(9) Opportunities and risks
Predict and seize opportunities
Respond to foreseeable risks
(10) Capital requirements
For the budget of the project
Additional forecast cost of the project.
Make sure that in your business plan, you answer the following questions as much as possible:
1. What kind of business experience does your management team have?
2. Are there any successful members in your management team?
3. What is the motivation of each management member?
4. How did your company and products enter the industry?
5. What are the key factors for the success of your industry?
6. How do you judge the total sales and growth rate of the industry?
7. What is the industry change that has the greatest impact on your company's profit?
8. What is the difference between your company and other companies?
9. Why does your company have high growth potential?
10, why did your project succeed?
1 1. What is your expected product life cycle?
12. What makes your company and products unique?
13. Why does your company succeed when it has to compete with bigger companies?
Who are your competitors?
15. What advantages do you have compared with your competitors?
16. Compared with your competitors, how do you compete with them in terms of price, performance, service and security?
17. What is the substitute for your product?
18. According to your estimation, how will your competitors react to your company?
19. If you plan to gain market share, what will you do?
20. What is the most critical factor in your marketing plan?
2 1. How will your advertising plan affect product sales?
22. When your product/service matures, how will your marketing strategy change?
23. What are the statistical characteristics of your customer base?
24. What do you think is the bottleneck of the company's development?
25. Who is your supplier? How long have they been doing business?
26. Where does your company's labor supply come from?
27. What are the exit options for investors?
Hello, I hope to adopt! ...& gt& gt
Question 10: How to write a business plan? Business plan is the "stepping stone" for entrepreneurs to knock on the door of investors, and it is a written summary of the business that entrepreneurs plan to create. An excellent business plan often makes entrepreneurs get twice the result with half the effort. Business plan is the carrier of putting business ideas into practice in black and white. The quality of business plans often directly affects whether the founders can find partners, obtain funds and other policies to support business plans. How to write a business plan? It depends on the target, that is, the target of the plan, such as writing it to investors or taking a bank loan. Starting from different purposes, the focus of the plan will be different. So what should the business plan include? Content of business plan: business type: including business name, business organization type, project or main product name, etc. This is the most basic content of business. Capital planning: capital refers to the source of funds for starting a business, which should include the investment ratio between individuals and others, bank loans, etc. This will affect the share and dividend distribution of the whole enterprise. In addition, the distribution ratio of the total amount of funds in the whole business plan should also be clearly recorded. If you want to apply for a loan with a business plan, you should also explain the specific purpose of the loan. The two-stage goal of business plan content: the stage goal refers to the short-term, medium-term and long-term goal after starting a business, mainly to let entrepreneurs know the possibility of their career development and the goal of each stage. Content 3 of the business plan: financial forecast: describe the expected income and expenditure in detail, and even list the expected operating income and expenditure in each of the first three or five years after the establishment of the enterprise. The main purpose of these forecasts is to enable entrepreneurs to calculate profits and know when they can break even. Marketing strategy: Marketing strategy includes: knowing where the service market or product market is? Where are the sales methods and competitive conditions? The main purpose is to find out the positioning of the target market. Possible risk assessment: this project refers to the setbacks that entrepreneurs may encounter in the process of starting a business, such as changes in the business climate, too strong competitors, and loss of customers. These risks may even lead to the failure of entrepreneurs. Therefore, possible risk assessment is an indispensable part of business plan. Other contents of the business plan: including entrepreneurial motivation, register of shareholders, number of employees scheduled, enterprise organization, management system and future prospects, etc.