Microfinance - Business Plan Template

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烷孙
5 years ago
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All the information required below should be completed, as any application with an incomplete business plan will not be processed. The business plan may be written in Chinese or English.

1 All the information required below should be completed, as any application with an incomplete business plan will not be processed. The business plan may be written in Chinese or English. If the space provided for any section below is insufficient, please use separate sheet(s) and attach the sheet(s) to this business plan. 下述所有資料均須填妥如創業 / 營商方案不完整, 有關申請將不會被處理創業 / 營商方案可以中文或英文填寫如以下任何部分的空白位置不足夠, 請另加附頁填寫, 並將該附頁連同本創業 / 營商方案一併遞交 Section 1: Basic Information of the Business 第一部分 : 業務之基本資料 Please provide the name, address, telephone and business registration of the company / partnership / sole proprietorship (if any). 請提供公司 / 合夥業務 / 獨資業務的名稱地址電話號碼及商業登記證號碼 ( 如有 ) Describe the ownership structure, shareholders information and location where the business is operated. 請概述公司擁有權架構股東資料及經營地點 06/2013 Page 1 of 7

2 Section 2: Business Description 第二部分 : 業務概述 Describe the industry, business opportunities and business model. 請概述所經營之行業商機及業務模式 Describe the products or services provided / to be provided by your business. 請概述閣下的業務所提供 / 將提供之產品或服務 Section 3: Market Analysis 第三部分 : 市場分析 Describe your target customers and explain why your products or services meet your customers specific needs and stand out from competition. 請概述閣下的目標客戶, 並解釋為何閣下的產品或服務能夠滿足客戶的具體需要及在競爭中突圍而出 06/2013 Page 2 of 7

3 Identify and describe your competitors. 請指明及概述閣下的競爭對手 Section 4: Marketing Plan 第四部分 : 營銷計劃 Explain how to reach out to the target customers. 請解釋如何接觸目標客戶 Describe the pricing level of your products or services and whether your business provides any credit to your customers. 請概述閣下的產品或服務之定價水平及是否會為客戶提供任何賒帳 06/2013 Page 3 of 7

4 Section 5: Management Structure 第五部分 : 管理架構 Describe the management structure. State the number of employees (if any) and their division of labour. 請概述管理架構, 並列出員工數目 ( 如有 ) 及其工作分配 Section 6: Implementation Plan 第六部分 : 執行計劃 Describe the activities and the time required for the set up / expansion of the business. 請概述創立 / 擴展業務所需的活動及時間 Specify the purpose of the MF loan proceeds and provide the breakdown on the usage (e.g. rent, equipment, renovation). 請指出是次貸款的用途, 並詳細列出各項明細 ( 如租金設備裝修 ) 06/2013 Page 4 of 7

5 Section 7: Financial Projection (Please complete Table 1 and Table 2, if applicable) 第七部分 : 財務預測 ( 請填妥表一及表二, 如適用 ) Estimate the potential demand for your products or services. Complete a 5-year financial projection in Table 1 and Balance Sheet in Table 2 below. Describe the sources of funding. 請預測閣下產品或服務的潛在需求, 並填妥下述表一 : 五年財務預測及表二 : 資產負債表請詳述資金來源 Section 8: Risk Assessment and Mitigation 第八部分 : 風險評估及減緩措施 Describe the potential risk factors, and evaluate their likelihood and impact on the business. 請列出潛在的風險因素, 並評估其對業務可能產生的影響 Provide contingency measures (for example cash flow problem / unable to break even) in case the business is facing any difficulties. 如業務出現問題 ( 例如有週轉困難 / 未能達到收支平衡等 ), 請提供應急方案 06/2013 Page 5 of 7

6 TABLE 1: 5-YEAR FINANCIAL PROJECTION Revenue (a) Less: Cost of goods sold (b) Gross Profit Operating Expenses (i) (ii) Salaries Rental Expenses (c) = (a) - (b) (iii) Marketing Expenses (iv) Administrative Expenses (v) Others (please specify) Total Operating Expenses (d) = (i) + (ii) + (iii) + (iv) + (v) Operating Profit (e) = (c) (d) Less: Depreciation & Amortisation (f) Interest Expenses (g) Tax (h) Net profit (i)=(e)-(f)-(g)-(h) Dividend (if any) *Applicable for established business Current year* Year 1 Year 2 Year 3 Year 4 Year 5 TABLE 2: BALANCE SHEET Assets Current Assets Cash or cash equivalents Accounts receivable Inventory Total current assets(a): Fixed Assets Tools, equipment Total fixed assets(b): TOTAL ASSETS ((A) + (B)): Liabilities and Equity Current Liabilities Accounts payable Other payable and accruals Interest payable Total current liabilities(c): Long Term Liabilities Bank loans Total long term liabilities(d): Equity Capital Retained earnings Total equity(e): TOTAL LIABILITIES AND EQUITY: ((C) + (D) +(E)) 06/2013 Page 6 of 7

7 表一 : 五年財務預測收入 (a) 減 : 銷售成本 (b) 毛利 (c) = (a) (b) 營運開支 (i) 薪金 (ii) 租金開支 (iii) 營銷開支 (iv) 行政開支 (v) 其它 ( 請註明 ) 總營運開支 (d) = (i) + (ii) + (iii) + (iv) + (v) 經營溢利 (e) = (c) - (d) 減 : 折舊和攤銷 (f) 利息開支 (g) 稅項 (h) 純利 (i) = (e) (f) (g) (h) 股息 ( 如有 ) * 適用於已成立業務今年 * 第一年第二年第三年第四年第五年表二 : 資產負債表資產流動資產現金或現金等值應收帳款存貨總流動資產 (A): 固定資產機器及設備總固定資產 (B): 資產總計 ((A) + (B)): 負債及權益流動負債應付帳款其他應付款項及應計費用應付利息總流動負債 (C): 長期負債銀行貸款權益股本保留盈餘總長期負債 (D): 總權益 (E): 負債及權益總計 ((C) + (D) + (E)): 06/2013 Page 7 of 7

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untitled , Page 2 Staff list Staff list Assets Code accounting subject Page 8 Assets Code accounting subject Liabilities Code accounting subject Page 9 Page 10 Equity Code accounting subject Income Code accounting