1. Introduction The need for financial planning Balance sheet and income statement overview Internal and external documents Calculating costs Debt servicing and cash flow analysis

2. The Financial Plan Cover page and table of contents Mission statement Executive overview Executive summary Organization chart Product and market overview Market analysis and potential Funding rationale Financial statements Source materials

3. Presentation and Customization Importance of presenting the plan Presentation skills Clarity of information Ability to field questions Customizing for: Banks Venture capital Agencies

4. Risk Assessment & Management Commercial risk –Balance sheet assessment Liquidity Leverage Profitability Country risk Political Economic Currency exchange

5. Financial Ratios Liquidity Current assets Current ratio= Current liabilities Current assets - inventory Quick ratio=Current liabilities Total Sales AR Turnover= AR Balance

6. Financial Ratios Leverage Total Debt Debt to Equity=Total Equity Profitability Net IncomeSales Return on Assets= Sales X Total Assets (Profitability of Sales)(Asset efficiency)

7. How do I qualify? Private Banks Government programs –Ex-Im Bank –SBA –State Programs Factors Insurance