MONEY WITH ELISHA — BUSINESS PLAN WORKSHEET
General education, not legal, tax or personalised financial advice.
Complete locally; no answers are sent to the website.

Business working name:
Prepared by:
Date and review date:
Currency / conversion assumptions:

BUSINESS SUMMARY
What will you sell, to whom, and why will they choose it? Write this after the other sections.
Your answer:


CUSTOMER AND DEMAND
Describe your customer, their problem, existing alternatives and evidence from interviews or a small trial. Separate evidence from assumptions.
Your answer:


OFFER AND PRICING
Describe the product or service, selling price, variable cost and contribution per sale. Explain what makes your offer useful.
Your answer:


SALES AND MARKETING
Where will customers find you? Choose one affordable channel to test. Set a measurable target, budget and review date.
Your answer:


OPERATIONS AND PEOPLE
Describe suppliers, equipment, location, delivery, quality checks, responsibilities and permissions still to verify.
Your answer:


FINANCIAL PLAN
List startup costs, funding sources, recurring costs and expected sales. Prepare monthly cash receipts, payments and opening/closing balances. State currencies and all conversion assumptions.
Your answer:


RISKS AND ALTERNATIVES
Test slower sales, higher costs, delayed payments and supplier disruption. Decide what you would cut, change or postpone. Include fraud checks.
Your answer:


MILESTONES AND FUNDING REQUEST
Set the next three actions with owners and dates. If requesting finance, state the amount, intended use, evidence and repayment assumptions. A plan does not guarantee funding.
Your answer:

MONTHLY CASH FLOW (complete separately for each currency)
Month | Opening cash | Customer receipts | Other inflows | Stock/suppliers | Overheads | Equipment | Debt payments | Owner withdrawals | Closing cash
Closing cash = opening cash + all inflows - all payments.
Carry closing cash into next month as opening cash. Avoid double counting.

ASSUMPTIONS LOG
Assumption | Evidence/source | Date checked | What if wrong?

LAUNCH CHECKLIST
[ ] Tested customer demand
[ ] Verified costs and supplier identity
[ ] Checked registration, tax and local/sector permissions
[ ] Planned cash timing and a downside scenario
[ ] Set up separate business and personal records
[ ] Set next review date

https://money-with-lisher.yummywave16.chatgpt.site/learn/business-plans/