Financial Projections Template.xls

SCORE Financial Projection Model

Please read this entire page before you do anything else

This spreadsheet walks you through the process of developing an integrated set of financial projections.

-

A number found in the color green is optional information that you can complete. -

Otherwise, any information found in black type is automatically calculated for you.Although the cells that are calculated are locked (or protected), you can turn off this protection to modify the sheets.To do this, select "Tools" from the menu bar at the top of the screen. Then select, "Protection."Finally, select "Unprotect Sheet" and you will be able to edit any labels or formulas.

Before you begin, we need some information about your business to best customize your financial statements.Please enter the name of your business in the box below:

Enter Your Business Name Here

The first six worksheets in this workbook are steps you will need to complete. They are titled:1. Required Start-Up Funds2. Salaries and Wages3. Fixed Operating Expenses4. & 5. Projected Sales Forecast (2 sheets)6. Cash Receipts and Disbursements

Begin by clicking on the tabs below

To use this model, simply complete any information asked for found in the color yellow.Example: Fill in boxes that look like this

Example: Check these assumptions

Enter Your Business Name HereRequired Start-Up Funds for a New Business orOpening Balance Sheet for an Existing Business

Required Start-Up Funds Amount Totals Depreciation Notes

Fixed Assets

Real Estate-Land $ -

Buildings - 20.00 years

Leasehold Improvements - 7.00 years

Equipment - 7.00 years

Furniture and Fixtures - 5.00 years

Vehicles - 5.00 years

Other Fixed Assets - 5.00 years

Total Fixed Assets -

Operating Capital

Pre-Opening Salaries and Wages -

Prepaid Insurance Premiums -

Inventory -

Legal and Accounting Fees -

Rent Deposits -

Utility Deposits -

Supplies -

Advertising and Promotions -

Licenses -

Other Initial Start-Up Costs -

Working Capital (Cash On Hand) -

Total Operating Capital -

Total Required Funds $ -

Sources of Funding Amount Totals Loan Rate Term in Months Monthly Payments

Owner's Equity 0.00% -

Outside Investors 0.00% -

Additional Loans or Debt

Commercial Loan 0.00% - 7.00% 84.00 $0.00

Commercial Mortgage 0.00% - 8.00% 240.00 $0.00

Credit Card Debt 0.00% - 7.00% 60.00 $0.00

Vehicle Loans 0.00% - 6.00% 48.00 $0.00

Other Bank Debt 0.00% - 5.00% 36.00 $0.00

Total Sources of Funding 0.00% $ - $0.00

For existing businesses = Cash+Ppd Exp+A/R-A/P-Accrd Exp See Note below#

Note#: For existing businesses, this should be the "bucket" of cash plus recievables that will

be turned into cash or payables paid out in cash in the near term (i.e. in the first month of the plan)

Enter Your Business Name HereSalaries and Wages

Salaries and Related Expenses # Assumptions Wage Base Monthly Year One Year Two Year Three

Percent Change 3.00% 3.00%

Salaries and Wages

Owner's Compensation 0 $ - - - -

Salaries 0 - - - -

Wages

Full-Time Employees 0 - - - -

Estimated Hours Per Week 40.00

Estimated Rate Per Hour $ 9.00

Part-Time Employees 0 - - - -

Estimated Hours Per Week 20.00

Estimated Rate Per Hour $ 9.00

Independent Contractors - - - -

Total Salaries and Wages 0 - - - -

Payroll Taxes and Benefits

Social Security 6.20% $ 102,000 - - - -

Medicare 1.45% - - - -

Federal Unemployment Tax (FUTA) 0.80% $ 7,000 - - - -

State Unemployment Tax (SUTA) 2.70% $ 7,000 - - - -

Employee Pension Programs 0.00% - - - -

Worker's Compensation 0.00% - - - -

Employee Health Insurance 0.00% - - - -

Other Employee Benefit Programs 4.00% - - - -

Total Payroll Taxes and Benefits - - - -

Total Salaries and Related Expenses - - - -

Enter Your Business Name HereFixed Operating Expenses

Fixed Operating Expenses Monthly Year One Year Two Year Three Notes

Percent Change 3.00% 3.00%

Expenses

Advertising $ - - - -

Car and Truck Expenses - - - -

Bank & Merchant Fees - - - -

Contract Labor - - - -

Conferences & Seminars - - - -

Customer Discounts and Refunds - - - -

Dues and Subscriptions - - - -

Miscellaneous - - - -

Insurance (Liability and Property) - - - -

Licenses/Fees/Permits - - - -

Legal and Professional Fees - - - -

Office Expenses & Supplies - - - -

Postage and Delivery - - - -

Rent (on business property) - - - -

Rent of Vehicles and Equipment - - - -

Sales & Marketing - - - -

Taxes-Other - - - -

Telephone and Communications - - - -

Travel - - - -

Utilities - - - -

Total Expenses - - - -

Other Expenses

Depreciation - - - -

Interest

Commercial Loan - - - -

Commercial Mortgage - - - -

Line of Credit - - - -

Credit Card Debt - - - -

Vehicle Loans - - - -

Other Bank Debt - - - -

Total Other Expenses - - - -

Total Fixed Operating Expenses - - - -

Enter Your Business Name HereProjected Sales Forecast

Products and Services Assumptions % Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals

Product/Service A

Price Per Unit $ - 100.00%

Variable Cost Per Unit $ - 0.00%

Gross Margin Per Unit $ - 0.00%

Projected Unit Sales

Seasonality Factor 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Year One - - - - - - - - - - - - -

Year Two Growth 25.00% - - - - - - - - - - - - -

Year Three Growth 25.00% - - - - - - - - - - - - -

Overhead Exp Allocation 50.00%

Projected Revenue $ -

Variable Costs -

Gross Margin -

Overhead Expenses -

Profit - 0.00%

Breakeven Sales Revenu $ -

Breakeven Sales Units -

Product/Service B






Year One - - - - - - - - - - - - -

Year Two Growth 10.00% - - - - - - - - - - - - -




Variable Costs -

Gross Margin -

Overhead Expenses -

Profit - 0.00%



Enter Your Business Name HereProjected Sales Forecast - Page 2

Products and Services Assumptions % Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals

Product/Service C






Year One - - - - - - - - - - - - -

Year Two Growth 10.00% - - - - - - - - - - - - -




Variable Costs -

Gross Margin -

Overhead Expenses -

Profit - 0.00%



Product/Service D






Year One - - - - - - - - - - - - -

Year Two Growth 10.00% - - - - - - - - - - - - -




Variable Costs -

Gross Margin -

Overhead Expenses -

Profit - 0.00%



Enter Your Business Name HereCash Receipts and Disbursements

Accounts Receivable Collections

Percent of Collections

0 to 30 days 100.00%

31 to 60 days 0.00%

More than 60 days 0.00%

Total Collections Percentage 100.00%

Accounts Payable Disbursements

Number of Days to Pay Suppliers

0 to 30 days 100.00%

31 to 60 days 0.00%

More than 60 days 0.00%

Total Disbursements Percentage 100.00%

Line of Credit Assumptions

Desired Minimum Cash Balance $ -

Line of Credit Interest Rate 8.00%

Income Tax Assumptions

Effective Income Tax Rate 20.00%

- -

Amortization of Start-Up Expenses - -

Amortization Period in Years 3.00 -

Enter Your Business Name HereProjected Income Statement - Year One

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals

Income

Product/Service A - - - - - - - - - - - - -

Product/Service B - - - - - - - - - - - - -

-

-

Total Income - - - - - - - - - - - - -

Cost of Sales



-

-

Total Cost of Sales - - - - - - - - - - - - -

Gross Margin - - - - - - - - - - - - -

Total Salary and Wages - - - - - - - - - - - - -

Fixed Business Expenses

Advertising - - - - - - - - - - - - -

Car and Truck Expenses - - - - - - - - - - - - -

Bank & Merchant Fees - - - - - - - - - - - - -

Contract Labor - - - - - - - - - - - - -

Conferences & Seminars - - - - - - - - - - - - -

Customer Discounts and Refund - - - - - - - - - - - - -

Dues and Subscriptions - - - - - - - - - - - - -

Miscellaneous - - - - - - - - - - - - -

Insurance (Liability and Property - - - - - - - - - - - - -

Licenses/Fees/Permits - - - - - - - - - - - - -

Legal and Professional Fees - - - - - - - - - - - - -

Office Expenses & Supplies - - - - - - - - - - - - -

Postage and Delivery - - - - - - - - - - - - -

Rent (on business property) - - - - - - - - - - - - -

Rent of Vehicles and Equipment - - - - - - - - - - - - -

Sales & Marketing - - - - - - - - - - - - -

Taxes-Other - - - - - - - - - - - - -

Telephone and Communications - - - - - - - - - - - - -

Travel - - - - - - - - - - - - -

Utilities - - - - - - - - - - - - -

Total Fixed Business Expenses - - - - - - - - - - - - -

Other Expenses

Amortized Start-up Expenses - - - - - - - - - - - - -

Enter Your Business Name HereProjected Income Statement - Year One


Depreciation - - - - - - - - - - - - -

Interest

Commercial Loan - - - - - - - - - - - - -

Commercial Mortgage - - - - - - - - - - - - -

Line of Credit - - - - - - - - - - - - -

Credit Card Debt - - - - - - - - - - - - -

Vehicle Loans - - - - - - - - - - - - -

Other Bank Debt - - - - - - - - - - - - -

Taxes - - - - - - - - - - - - -

Total Other Expenses - - - - - - - - - - - - -

Net Income - - - - - - - - - - - - -

Enter Your Business Name HereProjected Cash Flow Statement - Year One


Beginning Cash Balance - - - - - - - - - - - -

Cash Inflows

Income from Sales - - - - - - - - - - - - -

Accounts Receivable - - - - - - - - - - - - -

Total Cash Inflows - - - - - - - - - - - - -

Cash Outflows

Investing Activities

New Fixed Assets Purchases - - - - - - - - - - - - -

Inventory Addition to Bal.She - - - - - - - - - - - - -

Cost of Sales - - - - - - - - - - - - -

Operating Activities

Salaries and Wages - - - - - - - - - - - - -

Fixed Business Expenses - - - - - - - - - - - - -

Taxes - - - - - - - - - - - - -

Financing Activities -

Loan Payments - - - - - - - - - - - - -

Line of Credit Interest - - - - - - - - - - - - -

Line of Credit Repayments - - - - - - - - - - - - -

Dividends Paid - - - - - - - - - - - - -

Total Cash Outflows - - - - - - - - - - - - -

Cash Flow - - - - - - - - - - - - -

Operating Cash Balance - - - - - - - - - - - -

Line of Credit Drawdowns - - - - - - - - - - - - -

Ending Cash Balance - - - - - - - - - - - -

Line of Credit Balance - - - - - - - - - - - -

Enter Your Business Name HereBalance Sheet - Year One

Base Period End of Year One

Assets

Current Assets

Cash - -

Accounts Receivable - -

Inventory - -

Prepaid Expenses - -

Other Current - -

Total Current Assets - -

Fixed Assets

Real Estate-Land - -

Buildings - -

Leasehold Improvements - -

Equipment - -

Furniture and Fixtures - -

Vehicles - -

Other Fixed Assets - -

Total Fixed Assets - -

Less: Accumulated Depreciation - -

Total Assets - -

Liabilities and Owner's Equity

Liabilities

Accounts Payable - -

Loan Payable - -

Mortgage Payable - -

Credit Card Debt - -

Vehicle Loans - -

Other Bank Debt - -

Line of Credit Balance - -

Total Liabilities - -

Owner's Equity

Common Stock - -

Retained Earnings - -

Dividends Dispersed - -

Total Owner's Equity - -

Enter Your Business Name HereBalance Sheet - Year One

Base Period End of Year One

Total Liabilities and Owner's Equity - -

Statement Balances Statement Balances

Enter Your Business Name HereYear End Summary

Year One % Year Two % Year Three %

Income

Product/Service A - - -

Product/Service B - - -

- - -

- - -

Total Income - 100.00% - 100.00% - 100.00%

Cost of Sales

Product/Service A - - -

Product/Service B - - -

- - -

- - -

Total Cost of Sales - 0.00% - 0.00% - 0.00%

Gross Margin - 0.00% - 0.00% - 0.00%

Total Salary and Wages - 0.00% - 0.00% - 0.00%


Advertising - - -

Car and Truck Expenses - - -

Bank & Merchant Fees - - -

Contract Labor - - -

Conferences & Seminars - - -

Customer Discounts and Refunds - - -

Dues and Subscriptions - - -

Miscellaneous - - -

Insurance (Liability and Property) - - -

Licenses/Fees/Permits - - -

Legal and Professional Fees - - -

Office Expenses & Supplies - - -

Postage and Delivery - - -

Rent (on business property) - - -

Rent of Vehicles and Equipment - - -

Sales & Marketing - - -

Taxes-Other - - -

Telephone and Communications - - -

Travel - - -

Utilities - - -

Total Fixed Business Expenses - 0.00% - 0.00% - 0.00%

Operating Income (before Other Expenses) - 0.00% - 0.00% - 0.00%

[EBITDA]

Enter Your Business Name HereYear End Summary

Year One % Year Two % Year Three %

Other Expenses

Amortized Start-up Expenses - - -

Depreciation - - -

Interest

Commercial Loan - - -

Commercial Mortgage - - -

Line of Credit - - - -

Credit Card Debt - - -

Vehicle Loans - - -

Other Bank Debt - - -

Taxes - - -

Total Other Expenses - 0.00% - 0.00% - 0.00%

Net Income - 0.00% - 0.00% - 0.00%

Enter Your Business Name HereProjected Income Statement - Year Two


Income



-

-

Total Income - - - - - - - - - - - - -

Cost of Sales



-

-


Gross Margin - - - - - - - - - - - - -



Advertising - - - - - - - - - - - - -



Contract Labor - - - - - - - - - - - - -




Miscellaneous - - - - - - - - - - - - -








Sales & Marketing - - - - - - - - - - - - -

Taxes-Other - - - - - - - - - - - - -


Travel - - - - - - - - - - - - -

Utilities - - - - - - - - - - - - -


Other Expenses


Enter Your Business Name HereProjected Income Statement - Year Two


Depreciation - - - - - - - - - - - - -

Interest

Commercial Loan - - - - - - - - - - - - -


Line of Credit - - - - - - - - - - - - -

Credit Card Debt - - - - - - - - - - - - -

Vehicle Loans - - - - - - - - - - - - -

Other Bank Debt - - - - - - - - - - - - -

Taxes - - - - - - - - - - - - -


Net Income - - - - - - - - - - - - -

Enter Your Business Name HereProjected Cash Flow Statement - Year Two



Cash Inflows




Cash Outflows



Inventory Addition to Bal. Sh - - - - - - - - - - - - -

Cost of Sales - - - - - - - - - - - - -




Taxes - - - - - - - - - - - - -


Loan Payments - - - - - - - - - - - - -



Dividends Paid - - - - - - - - - - - - -


Cash Flow - - - - - - - - - - - - -





Enter Your Business Name HereBalance Sheet - Year Two

End of Year One End of Year Two

Assets

Current Assets

Cash - -


Inventory - -


Other Current - -


Fixed Assets


Buildings - -


Equipment - -


Vehicles - -




Total Assets - -


Liabilities


Notes Payable - -



Vehicle Loans - -

Other Bank Debt - -



Owner's Equity

Common Stock - -




Enter Your Business Name HereBalance Sheet - Year Two

End of Year One End of Year Two



Enter Your Business Name HereProjected Income Statement - Year Three


Income



-

-

Total Income - - - - - - - - - - - - -

Cost of Sales



-

-


Gross Margin - - - - - - - - - - - - -



Advertising - - - - - - - - - - - - -



Contract Labor - - - - - - - - - - - - -




Miscellaneous - - - - - - - - - - - - -








Sales & Marketing - - - - - - - - - - - - -

Taxes-Other - - - - - - - - - - - - -


Travel - - - - - - - - - - - - -

Utilities - - - - - - - - - - - - -


Other Expenses


Enter Your Business Name HereProjected Income Statement - Year Three


Depreciation - - - - - - - - - - - - -

Interest

Commercial Loan - - - - - - - - - - - - -


Line of Credit - - - - - - - - - - - - -

Credit Card Debt - - - - - - - - - - - - -

Vehicle Loans - - - - - - - - - - - - -

Other Bank Debt - - - - - - - - - - - - -

Taxes - - - - - - - - - - - - -


Net Income - - - - - - - - - - - - -

Enter Your Business Name HereProjected Cash Flow Statement - Year Three



Cash Inflows




Cash Outflows



Inventory Addition to Bal.She - - - - - - - - - - - - -

Cost of Sales - - - - - - - - - - - - -




Taxes - - - - - - - - - - - - -


Loan Payments - - - - - - - - - - - - -



Dividends Paid - - - - - - - - - - - - -


Cash Flow - - - - - - - - - - - - -





Enter Your Business Name HereBalance Sheet - Year Three

End of Year Two End of Year Three

Assets

Current Assets

Cash - -


Inventory - -


Other Current - -


Fixed Assets


Buildings - -


Equipment - -


Vehicles - -




Total Assets - -


Liabilities


Notes Payable - -



Vehicle Loans - -

Other Bank Debt - -



Owner's Equity

Common Stock - -




Enter Your Business Name HereBalance Sheet - Year Three

End of Year Two End of Year Three



Enter Your Business Name HereFinancial Ratios

Ratio Year One Year Two Year Three RMA Industry Norms

Liquidity

Current Ratio 0.0 0.0 0.0

Quick Ratio 0.0 0.0 0.0

Safety

Debt to Equity Ratio 0.0 0.0 0.0

Debt to Coverage Ratio 0.0 0.0 0.0

Profitability

Sales Growth 0.0% 0.0% 0.0%

COGS to Sales 0.0% 0.0% 0.0%

Gross Profit Margin 0.0% 0.0% 0.0%

SG&A to Sales 0.0% 0.0% 0.0%

Net Profit Margin 0.0% 0.0% 0.0%

Return on Equity 0.0% 0.0% 0.0%

Return on Assets 0.0% 0.0% 0.0%

Owner's Compensation to Sales 0.0% 0.0% 0.0%

Efficiency

Days in Receivables 0.0 0.0 0.0

Accounts Receivable Turnover 0.0 0.0 0.0

Days in Inventory 0.0 0.0 0.0

Inventory Turnover 0.0 0.0 0.0

Sales to Total Assets 0.0 0.0 0.0

G8

An indication of a company's ability to meet short-term debt obligations.

G9

The ratio between all assets quickly convertible into cash and current liabilities. Measures a company's liquidity. Also called acid-test ratio.

G11

This ratio expresses the relationship between capital contributed by creditors and that contributed by owners.

G12

This ratio indicates how well your cash flow covers debt and the capability of the business to take on additional debt.

G14

This ratio calculates the percentage of increase (or decrease) in sales between the current year and the previous year.

G15

The percentage of sales used to pay for the COGS (expenses which directly vary with sales) is expressed in this ratio.

G16

This ratio indicates how much profit is earned on your products without consideration of indirect costs, selling and administration costs.

G17

This ratio measures the percentage of selling, general and administrative costs to your amount of sales.

G18

Net profit margin shows how much profit comes from every dollar of sales.

G19

Return on equity determines the rate of return on your investment in the business. As an owner or shareholder this is one of the most important ratios as it shows the hard fact about the business - are you making enough of a profit to compensate you for the risk of being in business?

G20

This ratio measures how effectively assets are used to generate a return.

G21

This ratio measures the owner's compensation as a percentage of sales.

G23

Days in receivable calculates the average number of days it takes to collect your account receivable (number of days of sales in receivables).

G24

This ratio tells you the number of times accounts receivable turnover during the year.

G25

This ratio shows the average number of days it will take to sell your inventory.

G26

This ratio calculates the number of times inventory is turned over (or sold) during the year.

G27

This ratio indicates how efficiently your business generates sales on every dollar of assets.

Enter Your Business Name HereBreakeven Analysis

Breakeven Analysis Dollars Percent

Annual Sales Revenue $ - 100.00%

Cost of Sales - 0.00%

Gross Margin - 0.00%

Salaries and Wages -

Fixed Operating Expenses -

Total Fixed Business Expenses -

Breakeven Sales Calculation -

0.00%

Breakeven Sales in Dollars $ -

Enter Your Business Name HereAmortization Schedule

Loan Type Assumptions Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Totals

Commercial Loan

Principal Amount $ -

Interest Rate 7.00%

Loan Term in Months 84.00

Monthly Payment Amou $0.00

Year One

Interest - - - - - - - - - - - - -

Principal - - - - - - - - - - - - -

Loan Balance - - - - - - - - - - - -

Year Two

Interest - - - - - - - - - - - - -

Principal - - - - - - - - - - - - -

Loan Balance - - - - - - - - - - - -

Year Three

Interest - - - - - - - - - - - - -

Principal - - - - - - - - - - - - -

Loan Balance - - - - - - - - - - - -

Commercial Mortgage


Interest Rate 8.00%



Year One

Interest - - - - - - - - - - - - -

Principal - - - - - - - - - - - - -

Loan Balance - - - - - - - - - - - -

Year Two

Interest - - - - - - - - - - - - -

Principal - - - - - - - - - - - - -

Loan Balance - - - - - - - - - - - -

Year Three

Interest - - - - - - - - - - - - -

Principal - - - - - - - - - - - - -

Loan Balance - - - - - - - - - - - -

Credit Card Debt


Interest Rate 7.00%



Year OneInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -

Year TwoInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -

Year ThreeInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -

Vehicle LoansPrincipal Amount $ - Interest Rate 6.00%Loan Term in Months 48.00 Monthly Payment Amou $0.00


Year TwoInterest - - - - - - - - - - - - - Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -


Other Bank DebtPrincipal Amount $ - Interest Rate 5.00%Loan Term in Months 36.00 Monthly Payment Amou $0.00


Year TwoInterest - - - - - - - - - - - - -

Principal - - - - - - - - - - - - - Loan Balance - - - - - - - - - - - -


Enter Your Business Name HereFinancial Diagnostics

This sheet performs a few tests on your numbers to see if they seem within certain reasonable ranges.

Remember, no computer can tell whether your projections are truly well-constructed, only a human can do that.

But these tests can at least look for values that are critically out of range.

Financial Diagnostics Value Findings

General Financing Assumptions

Owner's Cash Injection into the Business 0.0% Owner's injection might be too low in relation to the amount of money needed

Cash Request as percent of Total Required Fund 0.0% Cash request seems reasonable with respect to total request

Loan Assumptions

Commercial Loan Interest rate 7.0% Interest rate seems reasonable

Commercial Loan Term in Months 84 Loan term seems within range for this type of loan

Commercial Mortgage Interest rate 8.0% Interest rate seems reasonable

Commercial Mortgage Term in Months 240 Loan term seems within range for this type of loan

Loan Payments as a Percent of Projected Sales 0.0% Calculated loan payments as a percent of sales seem resonable

Income Statement

Gross Margin as a Percent of Sales 0.0% Gross margin percentage seems very low

Owner's Compensation Lower Limit Check $ - An owner's compensation amount has not been established

Owner's Compensation Upper Limit Check 0.0% Owner's compensation seems reasonable

Advertising Expense Levels as a Percent of Sale 0.0% Advertising as a percent of sales may be too low

Profitability Levels $ - The business is showing a profit

Profitability as a Percent of Sales 0.0% The projection does not seem highly unreasonable

Cash Flow Statement

Desired Operating cash Flow Levels $ - The financial projection provides the desired level of cash flow

Line of Credit Drawdowns $ - The business doesn't seem to require a line of credit

Accounts Receivable Ratio to Sales 0.0% Accounts receivable amount as a percent of sales seems reasonable

Balance Sheet

Does the Base Period Balance Sheet Balance? - The balance sheet does balance

Does the Final Balance Sheet Balance - The balance sheet does balance

Debt to Equity Ratio 0.0% The debt to equity ratio seems reasonable

Breakeven Analysis

Breakeven Levels $ - The sales projection is less than the break-even amount

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Financial Projections Template.xls

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