Trading Business Plan Draft PDF

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Table of Contents
1.0 Executive Summary .................................................................................................................................1
1.1 Objectives......................................................................................................................................1
1.2 Mission ..........................................................................................................................................1
1.3 Keys to Success ............................................................................................................................2
2.0 Company Summary .................................................................................................................................2
2.1 Company Ownership .....................................................................................................................2
2.2 Start-up Summary..........................................................................................................................2
3.0 Products..................................................................................................................................................4
4.0 Market Analysis Summary .......................................................................................................................4
4.1 Market Segmentation.....................................................................................................................5
4.2 Target Market Segment Strategy...................................................................................................6
4.3 Industry Analysis............................................................................................................................6
4.3.1 Competition and Buying Patterns ......................................................................................6
5.0 Strategy and Implementation Summary ...................................................................................................6
5.1 Competitive Edge ..........................................................................................................................6
5.2 Marketing Strategy ........................................................................................................................6
5.3 Sales Strategy ...............................................................................................................................7
5.3.1 Sales Forecast ..................................................................................................................7
5.4 Milestones .....................................................................................................................................8
6.0 Management Summary ...........................................................................................................................9
6.1 Personnel Plan ............................................................................................................................10
7.0 Financial Plan .......................................................................................................................................10
7.1 Start-up Funding .........................................................................................................................10
7.2 Important Assumptions.................................................................................................................11
7.3 Break-even Analysis ....................................................................................................................11
7.4 Projected Profit and Loss ............................................................................................................12
7.5 Projected Cash Flow....................................................................................................................15
7.6 Projected Balance Sheet .............................................................................................................17
7.7 Business Ratios ...........................................................................................................................18
Page 1
Ekoki Trading Business Plan

1.0 Executive Summary
TO BE COMPLETED AT THE END.
1.1 Objectives
To offer value added services through unique mobile Apps in a diverse mobile telephony
market that is South Africa.
To hire quality vetted and relevant staff both currently identified and unidentified to
implement our business concept.
To sign up at least 2% of the South African mobile using population to one or more of
our mobile Apps.
1.2 Mission
To establish ourselves as a premier mobile app development company offering unique, state-ofthe-art applications that will add value to the diverse smart phone and smart gadget users in
and around South Africa.
Page 1

1.3 Keys to Success
1. To develop an extensive networking within the mobile telecommunications industry
and the South African business community as a whole.
2. To develop critically ac claimed software, developing strategic alliances with
consulting firms and software companies that complement Ekoki Trading's offering.
2.0 Company Summary

Ekoki Trading is a software development company that seeks to resolve the ever-increasing need
for unique, inexistent mobile Apps services in the diverse South African Mobile telephony market.
Innovation is the company motto and through the help of a well selec ted team as well as
strategically plac ed partners, Ekoki's goal to develop state-of-the-art software Apps, never
before experienced in South Africa, can be ac hieved.
Ekoki Trading plans to introduce itself to the market with its newly developed car-sharing
platform for use on smart phones and other smart gadgets.
2.1 Company Ownership

Ekoki Trading is a Private Limited Company, owned in total by its co-founders, Boipelo Chababa
and Kay Ruby Pezo.
2.2 Start-up Summary

The key elements in the start-up plan for Ekoki Trading are:
Formulation of a strategic business plan.
The establishment of a corporate identity
Inititation of research and development of existing and future applications.
Identification of a loc ation for doing business
Funding of working capital requirements, purhcases of other equipment and assets
deemed necessary for the principal operating ac tivities of the company, and
additional capital raising alternatives.
Page 2

Table: Start-up
Start-up
Requirements
Start-up Expenses
Legal
Stationery etc.
Insurance
Rent
Computers & Telecommunication Services
R5,000
R3,000
R3,000
R6,000
R50,000
Other
Total Start-up Expenses
R3,000
R70,000
Start-up Assets
Cash Required
Other Current Assets
R1,350,000
R10,000
Long-term Assets
Total Assets
R70,000
R1,430,000
Total Requirements
R1,500,000
Page 3

3.0 Products
Ekoki Trading plans on developing software that are more than just tools, bec ause they
instruct and empower the user with know-how as well as tools.
Our strategy is to offer up software that will not just be bought for the software itself but the
benefit offered in the application as we as the step-by- step solution offered by the App.
An example is our flagship product which is a car-sharing platform for long-distance travellers.
The idea behind this product is to develop a Mobile App that can be used by drivers planning
long-distance trips who may require passengers to travel with as a way of cutting down on the
fuel costs that come with the trip. This App can also work in the opposite, to help travellers
looking for alternative transport, to help them identifify private evehicles that may be headed
in thir direction as a way pof cutting costs.
This is just one of the flagship products that Ekoki plans to develop, and this will be shortly
followed by similarly well-though of and structured products.
4.0 Market Analysis Summary

Ekoki Trading operates primarily in the Mobile Apps and software applications industry.
Smart phones are fast bec oming a viable alternative to PDAs and lapops, offering phone features
such as coice and SMS coupled with mobile internet applications, multimedia functionality, high
speed data proc essing capabilities and inbuilt GPS capabilities.
The total global phone and smartphone market is expec ted to be worth $341.4 billion by 2015
hile smartphone revenue will ac count for 75.8% of the overall handset revenue at $258.9 billion
in the same year. Smartphones are currently witnessing high growth due to a host of fac tors,
including lower product cost, improved handset design and functionalities, the expansion of
global mobile email and browsing services, the emergence of 3G and 4G network technologies,
the rising competition among mobile carriers, and the standardization and upgrades of
operating systems.
The competition in the smartphone market plac e is at the peak and vendors are finding it difficult
to maintain their market shares. Many of the larger mobile phone companies such as Nokia have
lost considerable market share over the last two years.
In a bid to enhance their populariity of their brands, mobile carriers and manufacturers are
turning to mobile Apps and creative software as a way of popularizing their products.
It is into this category that Ekoki Trading comes into play, and it is this market that we plan to
target and capitalize on.
Page 4

4.1 Market Segmentation
We anticipate that the global mobile applications market will be worth $25 billion by the end of
2015. However, the number of downloads will show a faster growth at CAGR of 64.2% during the
same period and is expec ted to reach 144 billion downloads by 2015.
The disc onnec t between the growth of revenue and downloads is mainly due to the reduction
expec ted in the average selling price of mobile applications, faster growth of free mobile
application downloads and growth in ad-sponsored mobile applications.
You will note that the preferred segments for Ekoki Trading tend to lean more in segments that
are more likely to attrac t advertising support. This means that the company can offer the Apps
at a low selling price or for free, depending on the sponsorship size. The segmenst chosen
cater for some of the more sponsored areas in the business sector.
Table: Market Analysis

Market Analysis
Potential Customers
Business and Finance
Social Networking
Travel
Utilities
Entertainment
Total
Growth
12%
10%
10%
13%
12%
11.44%
Year 1
Year 2
Year 3
Year 4
Year 5
50,000
200,000
50,000
150,000
150,000
600,000
56,000
220,000
55,000
169,500
168,000
668,500
62,720
242,000
60,500
191,535
188,160
744,915
70,246
266,200
66,550
216,435
210,739
830,170
78,676
292,820
73,205
244,572
236,028
925,301
CAGR
12.00%
10.00%
10.00%
13.00%
12.00%
11.44%
Page 5

4.2 Target Market Segment Strategy
Ekoki Trading target market strategy lies in developing Apps that will attrac t ad sponsorship from
business entities, corporates and government bodies. This way the company does not have to
offer their app at a selling price that may keep potential clients from downloading the app. The
apps can then be offered for free or at a highly subsidized rate.
The segments selec ted will offer pportunities that will see the development of apps attrac ting ad
opportunies, and hence, eac h product developed by Ekoki Trading, will from conception, take
into consideration the target market segmentation strategy and ac comodate the investor
attrac ting fac tor.
4.3 Industry Analysis

TO BE DONE IN PHASE 2
4.3.1 Competition and Buying Patterns

TO BE DONE IN PHASE 2
5.0 Strategy and Implementation Summary
5.1 Competitive Edge

Ekoki Trading's competitive edge lies in the creativity of its directors and visionaries for the
products its developes.
5.2 Marketing Strategy

Ekoki will be committed to calling businesses and corporates and speaking directly to the dec ision
maker, in this case the CEO in smaller firms and Vice Presidents in the more larger corporates.
This will be in a bid to interest this industry leaders in the apps in development or set fpr
development.
This will be the source of ads sponsorship and market research funding.
Page 6

5.3 Sales Strategy
Pricing Strategy
Ekoki Trading App software will strive to be competitive when compared to the competition,
though the company plans on developing unique applications whose initial entry into the
market will have no close competitor comparative.
Additionally, the company intends to capitalize on ad sponsorship from corporates or businesses
related to the software developed. These companies will be identified during the
conceptualization proc ess of the software app.
5.3.1 Sales Forecast

As indicated in the table, our sales are forec asted to increase rapidly, with an annual growth
rate of approximately 10%.
MORE TO BE ADDED IN PHASE 2
Table: Sales Forecast

Sales Forecast
Year 1
Year 2
Year 3
Sales
Ekoki Car Sharing Platform
R2,200,000
R2,420,000
R2,662,000
Ekoki Software 2
Total Sales
R900,000
R3,100,000
R990,000
R3,410,000
R1,089,000
R3,751,000
Year 1
R400,000
R200,000
R600,000
Year 2
R420,000
R210,000
R630,000
Year 3
R441,000
R220,500
R661,500
Direct Cost of Sales

Market research
Product Development
Subtotal Direct Cost of Sales
Page 7
5.4 Milestones
The following are the key milestones for the first year of operations.
Page 8

Table: Milestones
Milestones
Milestone
Acquire funding
Set-up offices
Market Research
Develop Software
Name me
Name me
Name me
Name me
Name me
Name me
Totals
Start Date
9/8/2014
9/8/2014
9/8/2014
10/1/2014
9/8/2014
9/8/2014
9/8/2014
End Date
10/8/2014
10/8/2014
10/8/2014
2/28/2015
10/8/2014
10/8/2014
10/8/2014
Budget
R0
R0
R0
R0
R0
R0
R0
Manager
Boipelo/kay
Boipelo/Kay
Boipelo/Kay
IT Expert
ABC
ABC
ABC
Department
Management
Management
Administrator
IT Expert
Department
Department
Department
9/8/2014
9/8/2014
9/8/2014
10/8/2014
10/8/2014
10/8/2014
R0
R0
R0
R0
ABC
ABC
ABC
Department
Department
Department
6.0 Management Summary

Ekoki Trading will be owned and operated by its founders, initially working with a small
employee base that will cover the IT aspec t as well as the small call center. Management and
personnel plans are covered in more detail in the topics to follow.
Page 9

6.1 Personnel Plan
The table below contains the details of our personnel plan. Both directors will, during the first
few months of company launch, not earn any salary. The call center agents will be employed
once the App is ready for launch.
Table: Personnel
Personnel Plan
Administration (Director)
Sales & marketing (Director)
IT Expert
Year 1
R140,000
R140,000
R180,000
Year 2
R240,000
R240,000
R198,000
Year 3
R240,000
R240,000
R217,800
Call Center Agents (X4)

Total People
R160,000
0
R176,000
0
R193,600
0
Total Payroll
R620,000
R854,000
R891,400
7.0 Financial Plan
7.1 Start-up Funding

Ekoki Trading's start-up costs are detailed above in the start-up table. The following table shows
how these start-up costs will be funded through a long-term loan fac ility.
Page 10

Table: Start-up Funding
Start-up Funding
Start-up Expenses to Fund
Start-up Assets to Fund
Total Funding Required
R70,000
R1,430,000
R1,500,000
Assets
Non-cash Assets from Start-up
Cash Requirements from Start-up
Additional Cash Raised
Cash Balance on Starting Date
R80,000
R1,350,000
R0
R1,350,000
Total Assets
R1,430,000
Liabilities and Capital

Liabilities
Current Borrowing
Long-term Liabilities
Accounts Payable (Outstanding Bills)
R0
R1,500,000
R0
Other Current Liabilities (interest-free)

Total Liabilities
R0
R1,500,000
Capital
Planned Investment
Owner
Investor
Additional Investment Requirement
Total Planned Investment
R0
R0
R0
R0
Loss at Start-up (Start-up Expenses)

Total Capital
(R70,000)
(R70,000)
Total Capital and Liabilities
R1,430,000
Total Funding
R1,500,000
7.2 Important Assumptions

General asumptions of this plan are on this table.
7.3 Break-even Analysis
Page 11

Table: Break-even Analysis
Break-even Analysis
Monthly Revenue Break-even
R73,677
Assumptions:
Average Percent Variable Cost
Estimated Monthly Fixed Cost
19%
R59,417
7.4 Projected Profit and Loss
Page 12

Table: Profit and Loss
Pro Forma Profit and Loss
Sales
Other Costs of Sales
Total Cost of Sales
Year 1
R3,100,000
R600,000
R0
R600,000
Year 2
R3,410,000
R630,000
R0
R630,000
Year 3
R3,751,000
R661,500
R0
R661,500
Gross Margin
Gross Margin %
R2,500,000
80.65%
R2,780,000
81.52%
R3,089,500
82.36%
R620,000
R854,000
R891,400
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R93,000
R0
R0
R128,100
R0
R0
R133,710
R0
R0
R0
R713,000
R982,100
R1,025,110
R1,787,000
R1,787,000
R1,797,900
R1,797,900
R2,064,390
R2,064,390
R150,000
R491,100
R150,000
R494,370
R150,000
R574,317
R1,145,900
36.96%
R1,153,530
33.83%
R1,340,073
35.73%
Expenses
Payroll
Marketing/Promotion
Depreciation
Rent
Utilities
Insurance
Payroll Taxes
Other
Total Operating Expenses
Profit Before Interest and Taxes
EBITDA
Interest Expense
Taxes Incurred
Net Profit
Net Profit/Sales
Page 13
Page 14
7.5 Projected Cash Flow
Page 15

Table: Cash Flow
Pro Forma Cash Flow
Year 1
Year 2
Year 3
R3,100,000
R3,100,000
R3,410,000
R3,410,000
R3,751,000
R3,751,000
Additional Cash Received

Sales Tax, VAT, HST/GST Received
R0
R0
R0
New Current Borrowing

New Other Liabilities (interest-free)
New Long-term Liabilities
R0
R0
R0
R0
R0
R0
R0
R0
R0
Sales of Other Current Assets

Sales of Long-term Assets
New Investment Received
R0
R0
R0
R0
R0
R0
R0
R0
R0
R3,100,000
R3,410,000
R3,751,000
Year 1
Year 2
Year 3
Cash Received
Cash from Operations
Cash Sales
Subtotal Cash from Operations
Subtotal Cash Received

Expenditures
Expenditures from Operations
Cash Spending
R620,000
R854,000
R891,400
Bill Payments
Subtotal Spent on Operations
R1,173,029
R1,793,029
R1,448,269
R2,302,269
R1,509,906
R2,401,306
Additional Cash Spent

Sales Tax, VAT, HST/GST Paid Out
Principal Repayment of Current Borrowing
Other Liabilities Principal Repayment
Long-term Liabilities Principal Repayment
Purchase Other Current Assets
Purchase Long-term Assets
Dividends
Subtotal Cash Spent
R0
R0
R0
R0
R0
R0
R0
R1,793,029
R0
R0
R0
R0
R0
R0
R0
R2,302,269
R0
R0
R0
R0
R0
R0
R0
R2,401,306
Net Cash Flow

Cash Balance
R1,306,971
R2,656,971
R1,107,731
R3,764,702
R1,349,694
R5,114,396
Page 16
7.6 Projected Balance Sheet
Page 17

Table: Balance Sheet
Pro Forma Balance Sheet
Year 1
Year 2
Year 3
R2,656,971
R10,000
R2,666,971
R3,764,702
R10,000
R3,774,702
R5,114,396
R10,000
R5,124,396
R70,000
R0
R70,000
R70,000
R0
R70,000
R70,000
R0
R70,000
R2,736,971
R3,844,702
R5,194,396
Year 1
Year 2
Year 3
Current Liabilities
Accounts Payable
R161,071
R115,272
R124,893
Current Borrowing
Other Current Liabilities
Subtotal Current Liabilities
R0
R0
R161,071
R0
R0
R115,272
R0
R0
R124,893
Total Liabilities
R1,500,000
R1,661,071
R1,500,000
R1,615,272
R1,500,000
R1,624,893
Paid-in Capital
Retained Earnings
Earnings
Total Capital
Total Liabilities and Capital
R0
(R70,000)
R1,145,900
R1,075,900
R2,736,971
R0
R1,075,900
R1,153,530
R2,229,430
R3,844,702
R0
R2,229,430
R1,340,073
R3,569,503
R5,194,396
Net Worth
R1,075,900
R2,229,430
R3,569,503
Assets
Current Assets
Cash
Total Current Assets
Long-term Assets
Long-term Assets
Accumulated Depreciation
Total Long-term Assets
Total Assets
7.7 Business Ratios
Page 18

Table: Ratios
Ratio Analysis
Year 1
0.00%
Year 2
10.00%
Year 3
10.00%
Industry Profile
0.00%
0.37%
97.44%
2.56%
100.00%
0.26%
98.18%
1.82%
100.00%
0.19%
98.65%
1.35%
100.00%
100.00%
100.00%
0.00%
100.00%
Current Liabilities
Total Liabilities
5.89%
54.81%
60.69%
3.00%
39.01%
42.01%
2.40%
28.88%
31.28%
0.00%
0.00%
0.00%
Net Worth
39.31%
57.99%
68.72%
100.00%
100.00%
80.65%
43.68%
100.00%
81.52%
47.70%
100.00%
82.36%
46.64%
100.00%
0.00%
0.00%
0.00%
57.65%
0.00%
52.72%
0.00%
55.04%
0.00%
0.00%
16.56
16.56
32.75
32.75
41.03
41.03
0.00
0.00
Total Debt to Total Assets

Pre-tax Return on Net Worth
Pre-tax Return on Assets
60.69%
152.15%
59.81%
42.01%
73.92%
42.86%
31.28%
53.63%
36.85%
0.00%
0.00%
0.00%
Additional Ratios
Net Profit Margin
Return on Equity
Year 1
36.96%
106.51%
Year 2
33.83%
51.74%
Year 3
35.73%
37.54%
n.a
n.a
Accounts Payable Turnover

Payment Days
Total Asset Turnover
8.28
27
1.13
12.17
36
0.89
12.17
29
0.72
n.a
n.a
n.a
Debt Ratios
Debt to Net Worth
1.54
0.72
0.46
n.a
Current Liab. to Liab.
0.10
0.07
0.08
n.a
R2,505,900
11.91
R3,659,430
11.99
R4,999,503
13.76
n.a
n.a
0.88
6%
16.56
2.88
0.00
1.13
3%
32.75
1.53
0.00
1.38
2%
41.03
1.05
0.00
n.a
n.a
n.a
n.a
n.a
Sales Growth
Percent of Total Assets
Long-term Assets
Total Assets
Percent of Sales
Sales
Gross Margin
Selling, General & Administrative Expenses
Advertising Expenses
Main Ratios
Current
Quick
Activity Ratios
Liquidity Ratios
Net Working Capital
Interest Coverage
Additional Ratios
Assets to Sales
Current Debt/Total Assets
Acid Test
Sales/Net Worth
Dividend Payout
Page 19
Appendix
Table: Sales Forecast
Sales Forecast
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Ekoki Car Sharing Platform
R0
R0
R100,000
R150,000
R200,000
R250,000
R250,000
R250,000
R250,000
R250,000
R250,000
R250,000
Ekoki Software 2
R0
R0
R0
R0
R0
R0
R150,000
R150,000
R150,000
R150,000
R150,000
R150,000
Total Sales
R0
R0
R100,000
R150,000
R200,000
R250,000
R400,000
R400,000
R400,000
R400,000
R400,000
R400,000
Sales

Market research
Product Development
Subtotal Direct Cost of Sales
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
R10,000
R10,000
R20,000
R20,000
R20,000
R20,000
R50,000
R50,000
R50,000
R50,000
R50,000
R50,000
R0
R0
R0
R15,000
R15,000
R20,000
R25,000
R25,000
R25,000
R25,000
R25,000
R25,000
R10,000
R10,000
R20,000
R35,000
R35,000
R40,000
R75,000
R75,000
R75,000
R75,000
R75,000
R75,000
Page 1
Appendix
Table: Personnel
Personnel Plan
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Administration (Director)
R0
R0
R0
R0
R0
R20,000
R20,000
R20,000
R20,000
R20,000
R20,000
R20,000
Sales & marketing (Director)
R0
R0
R0
R0
R0
R20,000
R20,000
R20,000
R20,000
R20,000
R20,000
R20,000
R15,000
R15,000
R15,000
R15,000
R15,000
R15,000
R15,000
R15,000
R15,000
R15,000
R15,000
R15,000
R0
R0
R0
R0
R20,000
R20,000
R20,000
R20,000
R20,000
R20,000
R20,000
R20,000
Total People
Total Payroll
R15,000
R15,000
R15,000
R15,000
R35,000
R75,000
R75,000
R75,000
R75,000
R75,000
R75,000
R75,000
IT Expert
Call Center Agents (X4)
Page 2
Appendix
Table: Profit and Loss
Pro Forma Profit and Loss
Sales
Other Costs of Sales
Total Cost of Sales
Gross Margin
Gross Margin %
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
R0
R0
R100,000
R150,000
R200,000
R250,000
R400,000
R400,000
R400,000
R400,000
R400,000
R400,000
R10,000
R10,000
R20,000
R35,000
R35,000
R40,000
R75,000
R75,000
R75,000
R75,000
R75,000
R75,000
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R10,000
R10,000
R20,000
R35,000
R35,000
R40,000
R75,000
R75,000
R75,000
R75,000
R75,000
R75,000
(R10,000)
(R10,000)
R80,000
R115,000
R165,000
R210,000
R325,000
R325,000
R325,000
R325,000
R325,000
R325,000
0.00%
0.00%
80.00%
76.67%
82.50%
84.00%
81.25%
81.25%
81.25%
81.25%
81.25%
81.25%
Expenses
Payroll
R15,000
R15,000
R15,000
R15,000
R35,000
R75,000
R75,000
R75,000
R75,000
R75,000
R75,000
R75,000
Marketing/Promotion
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Depreciation
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Rent
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Utilities
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Insurance
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R2,250
R2,250
R2,250
R2,250
R5,250
R11,250
R11,250
R11,250
R11,250
R11,250
R11,250
R11,250
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R17,250
R17,250
R17,250
R17,250
R40,250
R86,250
R86,250
R86,250
R86,250
R86,250
R86,250
R86,250
(R27,250)
(R27,250)
R62,750
R97,750
R124,750
R123,750
R238,750
R238,750
R238,750
R238,750
R238,750
R238,750
EBITDA
(R27,250)
(R27,250)
R62,750
R97,750
R124,750
R123,750
R238,750
R238,750
R238,750
R238,750
R238,750
R238,750
R12,500
R12,500
R12,500
R12,500
R12,500
R12,500
R12,500
R12,500
R12,500
R12,500
R12,500
R12,500
(R11,925)
(R11,925)
R15,075
R25,575
R33,675
R33,375
R67,875
R67,875
R67,875
R67,875
R67,875
R67,875
(R27,825)
0.00%
(R27,825)
0.00%
R35,175
35.17%
R59,675
39.78%
R78,575
39.29%
R77,875
31.15%
R158,375
39.59%
R158,375
39.59%
R158,375
39.59%
R158,375
39.59%
R158,375
39.59%
R158,375
39.59%
Payroll Taxes
Other
Total Operating Expenses
Interest Expense
Taxes Incurred
Net Profit
Net Profit/Sales
15%
Page 3
Appendix
Table: Cash Flow
Pro Forma Cash Flow
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Cash Sales
R0
R0
R100,000
R150,000
R200,000
R250,000
R400,000
R400,000
R400,000
R400,000
R400,000
R400,000
Subtotal Cash from Operations
R0
R0
R100,000
R150,000
R200,000
R250,000
R400,000
R400,000
R400,000
R400,000
R400,000
R400,000
Cash Received
Cash from Operations
Additional Cash Received

Sales Tax, VAT, HST/GST Received
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
New Current Borrowing
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
New Other Liabilities (interest-free)
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
New Long-term Liabilities
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Sales of Other Current Assets
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Sales of Long-term Assets
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
New Investment Received
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Subtotal Cash Received
R0
R0
R100,000
R150,000
R200,000
R250,000
R400,000
R400,000
R400,000
R400,000
R400,000
R400,000
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Cash Spending
R15,000
R15,000
R15,000
R15,000
R35,000
R75,000
R75,000
R75,000
R75,000
R75,000
R75,000
R75,000
Bill Payments
Subtotal Spent on Operations
R428
R15,428
R12,825
R27,825
R14,058
R29,058
R50,675
R65,675
R75,695
R110,695
R86,782
R161,782
R99,442
R174,442
R166,625
R241,625
R166,625
R241,625
R166,625
R241,625
R166,625
R241,625
R166,625
R241,625
Sales Tax, VAT, HST/GST Paid Out

Principal Repayment of Current Borrowing
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Other Liabilities Principal Repayment

Long-term Liabilities Principal Repayment
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Purchase Other Current Assets
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Purchase Long-term Assets
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R15,428
R0
R27,825
R0
R29,058
R0
R65,675
R0
R110,695
R0
R161,782
R0
R174,442
R0
R241,625
R0
R241,625
R0
R241,625
R0
R241,625
R0
R241,625
Expenditures
0.00%
Expenditures from Operations
Additional Cash Spent
Dividends
Subtotal Cash Spent
Net Cash Flow
(R15,428)
(R27,825)
R70,942
R84,325
R89,305
R88,218
R225,558
R158,375
R158,375
R158,375
R158,375
R158,375
Cash Balance
R1,334,573
R1,306,748
R1,377,689
R1,462,014
R1,551,319
R1,639,538
R1,865,096
R2,023,471
R2,181,846
R2,340,221
R2,498,596
R2,656,971
Page 4
Appendix
Table: Balance Sheet
Pro Forma Balance Sheet
Assets
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
R2,656,971
Starting Balances
Current Assets
Cash
R1,350,000
R1,334,573
R1,306,748
R1,377,689
R1,462,014
R1,551,319
R1,639,538
R1,865,096
R2,023,471
R2,181,846
R2,340,221
R2,498,596
R10,000
R10,000
R10,000
R10,000
R10,000
R10,000
R10,000
R10,000
R10,000
R10,000
R10,000
R10,000
R10,000
R1,360,000
R1,344,573
R1,316,748
R1,387,689
R1,472,014
R1,561,319
R1,649,538
R1,875,096
R2,033,471
R2,191,846
R2,350,221
R2,508,596
R2,666,971
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R70,000
R1,430,000
R1,414,573
R1,386,748
R1,457,689
R1,542,014
R1,631,319
R1,719,538
R1,945,096
R2,103,471
R2,261,846
R2,420,221
R2,578,596
R2,736,971
Month 1
Month 2
Month 3
Month 4
Month 5
Month 6
Month 7
Month 8
Month 9
Month 10
Month 11
Month 12
Long-term Assets
Long-term Assets
Accumulated Depreciation
Total Long-term Assets
Total Assets
Current Liabilities
Accounts Payable
R0
R12,398
R12,398
R48,164
R72,814
R83,544
R93,887
R161,071
R161,071
R161,071
R161,071
R161,071
R161,071
Current Borrowing
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Other Current Liabilities
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
R0
Subtotal Current Liabilities
R0
R12,398
R12,398
R48,164
R72,814
R83,544
R93,887
R161,071
R161,071
R161,071
R161,071
R161,071
R161,071
R1,500,000
R1,500,000
R1,500,000
R1,500,000
R1,500,000
R1,500,000
R1,500,000
R1,500,000
R1,500,000
R1,500,000
R1,500,000
R1,500,000
R1,500,000
Total Liabilities
R1,500,000
R1,512,398
R1,512,398
R1,548,164
R1,572,814
R1,583,544
R1,593,888
R1,661,071
R1,661,071
R1,661,071
R1,661,071
R1,661,071
R1,661,071
Paid-in Capital
Retained Earnings
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
R0
(R70,000)
Earnings
Total Capital
R0
(R70,000)
(R27,825)
(R97,825)
(R55,650)
(R125,650)
(R20,475)
(R90,475)
R39,200
(R30,800)
R117,775
R47,775
R195,650
R125,650
R354,025
R284,025
R512,400
R442,400
R670,775
R600,775
R829,150
R759,150
R987,525
R917,525
R1,145,900
R1,075,900
R1,430,000
R1,414,573
R1,386,748
R1,457,689
R1,542,014
R1,631,319
R1,719,538
R1,945,096
R2,103,471
R2,261,846
R2,420,221
R2,578,596
R2,736,971
(R70,000)
(R97,825)
(R125,650)
(R90,475)
(R30,800)
R47,775
R125,650
R284,025
R442,400
R600,775
R759,150
R917,525
R1,075,900
Total Liabilities and Capital

Net Worth
Page 5

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Confidentiality Agreement

Ekoki Trading Business Plan

Ekoki Trading Business Plan

2.0 Company Summary

2.1 Company Ownership

2.2 Start-up Summary

Ekoki Trading Business Plan

Ekoki Trading Business Plan

4.0 Market Analysis Summary

Ekoki Trading Business Plan

Table: Market Analysis

Ekoki Trading Business Plan

4.3 Industry Analysis

4.3.1 Competition and Buying Patterns

5.0 Strategy and Implementation Summary

5.1 Competitive Edge

5.2 Marketing Strategy

Ekoki Trading Business Plan

5.3.1 Sales Forecast

Table: Sales Forecast

Direct Cost of Sales

Ekoki Trading Business Plan

Ekoki Trading Business Plan

6.0 Management Summary

Ekoki Trading Business Plan

Call Center Agents (X4)

7.0 Financial Plan

7.1 Start-up Funding

Ekoki Trading Business Plan

Liabilities and Capital

Other Current Liabilities (interest-free)

Loss at Start-up (Start-up Expenses)

Total Capital and Liabilities

7.2 Important Assumptions

7.3 Break-even Analysis

Ekoki Trading Business Plan

7.4 Projected Profit and Loss

Ekoki Trading Business Plan

Ekoki Trading Business Plan

Ekoki Trading Business Plan

7.5 Projected Cash Flow

Ekoki Trading Business Plan

Additional Cash Received

New Current Borrowing

Sales of Other Current Assets

Subtotal Cash Received

Additional Cash Spent

Net Cash Flow

Ekoki Trading Business Plan

7.6 Projected Balance Sheet

Ekoki Trading Business Plan

7.7 Business Ratios

Ekoki Trading Business Plan

Total Debt to Total Assets

Accounts Payable Turnover

Current Liab. to Liab.

Ekoki Car Sharing Platform

Direct Cost of Sales

Sales & marketing (Director)

Profit Before Interest and Taxes

Subtotal Cash from Operations

Additional Cash Received