ࡱ>  objbj xx`g8     $: : : P &!: zK\:#($>$>$>$r% ~'t'<JJJJJJJ$MP*K .(r%r%.(.(KL1  >$>$44KL1L1L1.( >$ >$JL1.(JL1L1FI (&GJJK0zKG^P1:P4IL1 I.(.(.(KKL1.(.(.(zK.(.(.(.(P.(.(.(.(.(.(.(.(.(* :    Business Plan Template Instructions Thank you for downloading this business plan template. Please feel free to delete this page after you have read the instructions below. Detailed guidance on completing the various sections of this business plan template can be found at the end of this document. You may wish to delete these when you have finished your business plan, or keep them in for future reference. The structure of this document is a guide only - you may wish to delete, or add, sections to this plan depending on your business type or the intended audience of your business plan. Business plan for {Enter your business name here} Date: (Guidance for completing your business plan can be found at the end of this document) Business profile StructureSole Trader Partnership Companyestablished{Enter date}Date registered{Enter date registered at Companies Office if applicable}Registration #{Enter the company number}Contact details Contact name{Enter your name}DD{Enter your main phone number}Mobile{Enter your mobile phone number}Email{Enter your email address}Postal address{Enter your postal address}Physical address{Enter your physical address}Online/Social media Website{ address}Google+{ address}Linked In{ address}Blog{ address}Facebook{ address}YouTube{ address}Twitter{ address}Vimeo{ address} Contents Executive summary Current position Competitive advantage Growth plan Business background Business strategy Tactics Strategic impact E-commerce and technology Core values Credibility and risk reduction My team Management structure Current team Vacant positions Retention and recruitment policies Mentors and business support SWOT and critical success factors SWOT summary Market research Market analysis Market opportunity Market structure Market size and outlook Future markets Target market Competitor analysis Financial plan Start-up costs Funding Break-even date Profit and loss forecast Cash flow forecast Balance sheet forecast Marketing strategy Launch budget Marketing budget Business ownership structure (companies) Directors Other shareholders Compliance Legal and regulatory considerations Insurance IT and equipment Business premises IT Equipment Help (glossary) 1. Executive Summary  HYPERLINK \l "_Executive_summary_1" Click here for help Current position {Enter text} Competitive advantage {Enter text} Growth plan {Enter text} 2. Business background HYPERLINK \l "_Business_background"Click here for help History {Enter text} Goals {Enter text} Offering {Enter text} Intellectual property {Enter text} Locations and outlets {Enter text} 3. Business strategy HYPERLINK \l "_Business_strategy"Click here for help Tactics {Enter text} Strategic impact {Enter text} E-commerce and technology {Enter text} Core values {Enter text} Credibility and risk reduction {Enter text} 4. My team  HYPERLINK \l "_My_team" Click here for help Management structure {Enter text} Current team Name{Enter employees name}Position{Enter text}Qualifications{Enter text}Expertise{Enter text}Track record{Enter text} Name{Enter employees name}Position{Enter text}Qualifications{Enter text}Expertise{Enter text}Track record{Enter text} Name{Enter employees name}Position{Enter text}Qualifications{Enter text}Expertise{Enter text}Track record{Enter text} 5. SWOT and critical success factors  HYPERLINK \l "_SWOT_and_critical" Click here for help StrengthsI will maximise them by:{Enter text}{Enter text}WeaknessesI will minimise them by:{Enter text}{Enter text}OpportunitiesI will maximise them by:{Enter text}{Enter text}ThreatsI will minimise them by:{Enter text}{Enter text} SWOT summary Chosen strategy {Enter text} Critical success factors {Enter text} 6. Market research HYPERLINK \l "_Market_research"Click here for help {Enter text} 7. Market analysis HYPERLINK \l "_Market_analysis"Click here for help {Enter text} Market opportunity {Enter text} Market structure {Enter text} Market size and outlook {Enter text} Future markets Local Market structure {Enter text} Size and outlook {Enter text} National Market structure {Enter text} Size and outlook {Enter text} International Market structure {Enter text} Size and outlook {Enter text} Target market Target market description {Enter text} Factors influencing purchasing habits {Enter text} How the business will meet the markets requirements {Enter text} 8. Competitor analysis HYPERLINK \l "_Competitor_analysis"Click here for help Competitor 1 {Enter name} StrengthsWeaknesses{Enter text} {Enter text}Strategy {Enter text} Competitor 2 {Enter name} StrengthsWeaknesses{Enter text} {Enter text}Strategy {Enter text} 9. Financial plan  HYPERLINK \l "_Financial_plan" Click here for help Start-up costs {Enter text} Funding {Enter text} Break-even date: {enter date here} Profit and loss forecast First yearSecond yearThird yearEstimated sales${Enter}${Enter}${Enter}Estimated costs${Enter}${Enter}${Enter}Estimated profit/loss${Enter}${Enter}${Enter} Cash flow forecast {Enter text} Balance sheet forecast {Enter text} 10. Marketing strategy  HYPERLINK \l "_Marketing_strategy" Click here for help Launch budget ${Enter} Marketing budget ${Enter} 11. Business ownership structure HYPERLINK \l "_Business_ownership_structure"Click here for help {For companies delete if necessary} Directors {Enter text} Other shareholders {Enter text} 12. Compliance  HYPERLINK \l "_Compliance" Click here for help Legal and regulatory considerations {Delete as necessary} Sole trader I have carried out the following. Registered Registered as an employer Trade marked my business name and logo Applied for required licences and permits Applied for verification with the following standards bodies and regulators specific to my industry: Company I have carried out the following. Registered Registered as an employer Applied for patents or trade marks Applied for licences and permits Applied for verification with the following standards bodies and regulators specific to my industry: Insurance {Enter text} 13. IT and equipment  HYPERLINK \l "_IT_and_equipment" Click here for help Business premises {Enter text} IT Requirements {Enter text} Solutions {Enter text} Equipment Requirements {Enter text} Solutions {Enter text} Help Business plan explanations and guidance Executive summary The executive summary is where you traditionally sell your business by getting straight to the point and promoting the critical information you need to get across to your audience. Youll touch on many of the key issues later on, so dont go into great detail just give the reader an idea of the potential of your business and a taste of whats to come. Rather than start with the executive summary, its best practice to complete the rest of your business plan in detail before tackling the executive summary with all the details and important points in place. When you do, make sure you write no more than a few paragraphs and use non-technical language. Executive summaries are the most controversial element of the modern business plan. Many businesspeople place great faith in them because if the reader of the business plan (such as a potential investor) is pushed for time, the executive summary can communicate all the vital information to them quickly. However, others criticise the executive summary because they think it oversimplifies complex ideas, so they avoid including it in their business plans at all. Think about your idea and your audience when weighing up whether to use an executive summary in your business plan. If your readers will be experts or specialists in your field or industry, they may skip the executive summary to check out the finer details of your plan. Current position Outline the current position of your business: where is your business in the business life cycle (introductory phase, growth phase, mature, declining)? Explain what industry you operate in and where it sits in the business life cycle (emerging industry, growth industry, mature industry, declining industry). If you havent started yet, outline what you are doing at present and how it is relevant to your business. Competitive advantage Complete the competitor analysis section of your business plan before answering this section by listing and detailing your core competitive advantages that give you a leg up on your competition. A competitive advantage can be anything from a unique skills base to a wider marketing reach or more distribution channels. If youre part of a strategic alliance or you own any intellectual property (IP), this is also the place to detail it and explain how youre going to use it. Holding any IP (such as a trade mark, patent or registered design) is a competitive advantage in itself because it gives you the sole licence to profit from the idea. Growth plan Explain how you plan to increase your businesss capabilities (its skills and offerings) and its capacity (rate and scale of production). In addition, outline why youre confident your business will continue to grow and be sustainable. Business background Detail the history of the business (or the development of the idea) to date, and outline your business track record to provide the reader with a context for you current activities. Business strategy Describe your business objectives and goals for the next one to five years (make sure theyre specific and measurable). Tactics Cover the main practical steps you have to take to get your business from where it is now to where you want it to go. What extra resources will you need? Strategic impact Outline the external threats or opportunities that could arise from your strategy and impact your business during the next one to five years. If youre unsure, complete the SWOT section before completing this section. E-commerce and technology Explain how youre using (or planning to use) e-commerce and technology to improve your business. E-commerce and technology can be used to lower costs, speed up business, access new markets, build sales, and so on. Core values Describe the core values that underpin your business. Explain why these core values are crucial to your long-term business success, how they will affect customers (the benefits) and how they will help motivate you and your staff. Credibility and risk reduction Explain your tactics for increasing the credibility of your business and reducing the customers risk in doing business with you. My team Management structure Outline your businesss management structure and detail the individual roles assigned to each manager. Current team Introduce your current team and provide details of the qualifications, expertise and track records that act as assets for the business. Vacant positions Detail the positions that need to be filled to enable you to grow the business. Retention and recruitment policies Detail the best practice solutions you will use to retain key staff and compete for skilled workers in the job market, to maintain and improve your businesss capabilities. This is often an area overlooked in business plans, but you should lay out your retention and recruitment solutions to readers. This will give them confidence that your business wont be hamstrung by a high turnover of staff or any other human resources issues. Mentors and business support List the business support resources you can rely on and the specific assistance they can provide your business to make it more competitive. Business support can come in many forms, so make sure you include all the support you receive, whether its from a mentor or your local chamber of commerce it all adds to the viability of your business. SWOT and critical success factors SWOT analysis is a method for gauging your businesss health by looking at its Strengths, Weaknesses, Opportunities and Threats. List them in the left columns of the tables and detail what you could do to maximise or minimise their impact in the right columns. While Strengths (such as a strong brand) and Weaknesses (such as low cash flow) should be internal factors, Opportunities (like a trade show) and Threats (such as a new competitor) should be external to your business and your influence. SWOT summary Once youve completed your SWOT analysis, you can use it to help you choose a strategic direction for your business by comparing the Strengths, Weaknesses, Opportunities and Threats youve identified. There are four SWOT strategies: SO: Exploit your internal Strengths to maximise your external Opportunities. WO: Minimise your internal Weaknesses by exploiting your external Opportunities. ST: Exploit your internal Strengths to minimise your external Threats. WT: Minimise your internal Weaknesses and evade external Threats. If your SWOT analysis has suggested a course of action, write down the strategy in the chosen strategy box and detail how you can put it into action. You can then make a list of the critical factors for the strategys success in the next box. If youre planning on showing your business plan to others, this section will show them youre using long-term strategic thinking in your business rather than just focusing on the day-to-day operational issues. However, you can also keep returning to this section as a living document to update it and help you take stock of where your business should be going. Market research Explain what market research youve done to build this plan and the methods you used, and outline how ongoing market research is built into your daily business operations. Market analysis Market opportunity Describe the opportunity in the marketplace that youve recognised. Go into detail about how visible this opportunity is to your competitors (whether its a gap your competitors are also actively looking to fill or you think its largely unrecognised by the market) and the potential revenue the market opportunity represents. Market structure Describe where your business fits into the marketplace or supply chain structure and any efficiencies you plan to implement to usurp the status quo. For example, you could start selling directly to customers online if the accepted structure in your industry is to sell to wholesalers and retailers this would provide you with cost and time efficiencies that represent competitive advantages. Market size and outlook Place all the relevant statistics here to describe the market. The readers will need to know how large the market is in consumer/business numbers and the potential value of the market derived from spending habits. Once youve established the parameters, provide evidence for the changes you think are taking place and the direction you think the market is taking. No market ever stays the same; market influencers (such as the economy and changing demographics) always play a part in market growth and contraction. You need to show youre analysing the market correctly to recognise the opportunities and threats that could exist. Future markets Detail the markets youve identified that could provide future growth for your business. Target market Within the marketplace should be a certain type of customer youre targeting with products and/or services designed to meet their needs. Describe the size and potential value of this target market (as you have done in the previous section for the overall market), including all the relevant statistics for your business. After youve described the target market, fill out the next two boxes by describing the factors that influence your target markets purchasing habits (such as seasonal occasions or economic influencers) and how your products and/or services respond to these conditions. Having a target market is incredibly important, but many businesses ignore this fact. Without knowing what type of people will be most attracted to your offering, you wont be able to build a true picture of your businesss viability. And without targeting the people most attracted to your offering, youll never be able to maximise the real potential of your business. Competitor analysis Use this section to identify your competitors strengths and weaknesses, and formulate a strategy to combat the former and target the latter. Your choices should be based on sound competitor research that gives you an accurate picture of the experience your competitors offer the customers youre both targeting. This means you should purchase products/services from your competitor to gain first-hand knowledge of their offering so you can compare it with your own without making any assumptions. If you will be recognised by your competitors, dont use this as an excuse to limit your research to their website and advertising consider sending in a friend as a mystery shopper. Financial plan Start-up costs Summarise the start-up costs of your business. Account for as much detail as possible. The more accuracy and honesty you provide at this stage the better, because if you sugar-coat the costs you face now, youll just be setting yourself up for problems later on. You need to pause and spend time digging down into the figures to give you a realistic costs basis to build your break-even analysis on. Funding Detail your sources of funding here. Its up to you how much detail you go into, but if youll be showing this business plan to potential investors, they will want to see how much youre backing your business with your own investment and who else has already invested in the business. Break-even date Carry out a break-even analysis and enter the resulting date in the space provided. A break-even analysis estimates when your business could break even and start to pay its ongoing costs. To find a break-even date, you need to a) estimate the sales volume you need to reach to break even and b) estimate how long it will take you to reach that milestone given your capacity limitations. Estimate your break-even sales volume: Separate all your costs into type, fixed or variable. Tally up your total fixed costs. Tally up the average variable cost per product sold or service delivered (your variable cost per unit). Subtract your variable cost per unit from the unit sales price to find your profit margin. Divide your total fixed cost by your profit margin to find your break-even sales volume. Estimate your businesss average production or service capacity per day (or week if thats more relevant). Make sure you dig down into the details to account for the entire supply chain from production to point of sale. Once you have an accurate estimate, divide the break-even sales volume by your average production capacity to give you the number of days (or weeks) ahead until you reach your break-even date. If you charge an hourly rate for a service, you can take a short cut to the break-even calculation by calculating your break-even point in hours. Divide your fixed costs by your hourly call-out rate to find the number of hours that need to be worked to reach break-even, and apply the result to the average number of hours worked each day by the service technicians in your business. Profit and loss forecast Present a summary of your profit and loss forecast for the next year in this segment before attaching a detailed forecast to your plan. Forecasting profit and loss can be quite difficult for existing businesses, let alone start-ups with no track record to go on. If youre still in the start-up phase, you need to base your figures on your market research by estimating the value of the market and the share of it you could take from your competitors as your business develops. Try finding industry data or using publically available statistics to support your forecasts. You can also provide pessimistic, realistic and optimistic forecasts to rather than just one to promote your objectivity. Cash flow forecast Summarise your cash flow forecasts for the next three to five years, before attaching a detailed forecast for the next year to your business plan. Few businesses enjoy consistent levels of cash flow throughout the year, so unless your industry or business model can justify that prediction, youll need to drill down into your market research to identify the peaks and troughs in income that you can expect. Balance sheet forecast Summarise your balance sheet forecast for the next three to five years, before attaching a detailed forecast for the next year to your plan. Balance sheets account for all the assets a business owns for the calculation of its net worth, which is the value of the businesss assets minus its debts (or liabilities). They also show how the assets are financed if theyre not owned outright by a business or individual. Potential investors will compare your cash flow forecasts with your balance sheet forecasts to see when the businesss income is likely to balance out all the debts incurred buying assets in the start-up phase. This is different to a break-even analysis, which estimates when the business will generate enough income to cover its ongoing costs rather than its total debts. Marketing strategy Detail your strategy for taking your product or service to the target market. Marketing is the umbrella term for the overall strategy of taking your product and placing it in the hands of your customers, so marketing strategies often entail the co-ordination of everything from product design and pricing to sales and advertising. The core segments of a marketing strategy are often referred to as The 4 Ps. The more co-ordinated these four elements are, the more likely it is that your strategy will be a success. The 4Ps are: Product Designing features into your product or service that meet the needs of the target market. Price Using a pricing strategy that reflects the values of your product and brand, and appeals to the target market. Place Choosing the right distribution channels to make sure the product is sold at the right place and time to meet your target market, and choosing the correct delivery method to meet their needs. Promotion Choosing promotional and advertising tactics to appeal to your target audience to maximise sales. All four elements must work in conjunction if the promotional methods emphasise value but the pricing emphasises quality, for example, then they wont complement each other. You should split your promotional strategy into two categories launch and ongoing marketing because they will require two different sets of tactics. The former will be gauged to attract new customers while the latter uses a mix that contains more tactics for keeping existing customers. When it comes to budgeting your promotional and advertising efforts, you should measure and keep track of your spend as you would do in any other part of your business. Use break-even analysis to measure the level of business that needs to be generated before you see a return on your investment, and compare that with the costs as you strategize. If the ROI is unrealistic, try to find more cost-effective ways of marketing your business. Launch budget Place your launch marketing budget in this space. Few businesses make their name purely on word-of-mouth; they need to promote their business to effectively set up their stall in the marketplace. The budget for this should be part of the start-up costs mentioned in the Finance section (9a) and reflect the total cost of the launch marketing tactics outlined in your marketing strategy. Marketing budget Once youve launched your business and gained recognition for your start-ups brand, youll most likely need to continue marketing to keep the brand top of mind with your target market. Only businesses that can generate consistent and powerful, positive word-of-mouth can normally forgo this cost. However, the fact remains that many businesses continue to promote themselves only on an ad hoc or opportunistic basis to save costs rather than committing to an effective long-term strategy. Therefore, the budget for your ongoing marketing strategy should use tactics that are financially sustainable within your forecast cash flow. If your marketing budget needs half of your monthly cash flow to sustain it, go back to the drawing board. Business ownership structure (companies) If your business is a company with directors and shareholders, outline the ownership structure in this section along with their investments, liabilities and share of profits. If youre in a partnership, include details from your Deed of Partnership. If youre a sole trader, delete this section from the template. Compliance Legal and regulatory considerations Delete either the sole trader or companies section, whichever is not appropriate, and tailor the list of completed compliance tasks to your situation. Compliance is perhaps the least interesting part of any business plan, but its crucial because compliance or the lack of it is actually a common area of risk. You need to show your business complies with national and industry standards and practices so it can avoid any negative fallout from non-compliance, such as fines and bad PR. Insurance Detail your business insurance arrangements to show youre mitigating the risks to your business continuity. Business insurance can include: Premises insurance Contents insurance Asset / Vehicle insurance Employers liability insurance (in case of workplace accidents) Public liabilities cover (third-party injury or death) Professional indemnity insurance (cover against claims arising from your professional advice) Business interruption insurance Front of business insurance (covering repairs to front of premises) Legal expenses insurance Stock insurance. IT and equipment Business premises Detail your premises situation. Do you (or are you going to) lease premises to save money on your capital costs or do you own your businesss premises as an asset that accrues value? IT Explain your IT requirements and how you plan to manage them, including solutions for any specialist human resources or security issues. Equipment Explain your equipment requirements and how you plan to manage them, including solutions for any machinery, vehicles and equipment costs. For example, is it more in your businesss interests to purchase or lease certain equipment?     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