How to write a business plan: from introduction to execution. Own business: key making workshop

Every successful entrepreneur can confidently say that a well-written business plan acts as one of the most important elements in building your own business. Understanding how to correctly design a future enterprise, you can predict a positive result when contacting a credit institution or an investor. Let's consider further the basic rules for writing a business plan.

Purpose of the document

Writing a business plan (an example project will be discussed below) can be done in various ways. There are various aids for this. However, in most of them the information is very specific and understandable only to economists or accountants. Along with this, the need to draw up a business plan arises for all start-up entrepreneurs. The document is necessary for submission to a credit institution, obtaining a loan from an investor to develop the business at the initial stages. In addition, a business plan allows you to see the immediate and upcoming goals, predict capital investments for one or another, foresee the moment when the first profit arrives, and calculate the total income from activities.

The specifics of enterprises

To obtain a loan for the construction of a plant or factory, it is more expedient to contact the relevant organizations that can provide qualified assistance in writing a business plan. In this case, the document will contain economic calculations and be supported by financial documents drawn up in accordance with all the rules for their execution. A business plan drawn up in this way can, without hesitation, be sent to both foreign investors and domestic credit companies. However, in this case, it should be understood that the services for designing a project for a future enterprise will not be cheap. To open a mobile shop or a clothing or shoe repair shop, for example, there is no need to study or calculate industry risks in detail. In this case, it will be quite competent to organize production, determine the sales market, and predict enterprises. The program for writing a business plan for such an activity will be understandable to a novice entrepreneur.

Important point

Entrepreneurs who have a fairly large experience in doing business do not recommend unconditionally relying on the experience of acquaintances or friends and only on their own intuition. Forecasting activity does not appear as an obsolete component of socialist reality. Planning is an essential element of modern business. Analysis of payback periods, determination of periods of investment, development and subsequent returns are the most important aspects even with a relatively small investment. Concepts such as "market" and "plan" are fundamental both in the East and in the West. At the present stage of economic development, it is enough to adopt the experience of successful companies and get positive results.

Business Plan Sample

The project of the future business is necessary for the investor, as well as for the entrepreneur himself. The structure of writing a business plan includes a number of mandatory items. These include, in particular:

• introduction;
• a brief description of the future enterprise;
• assessment of the sales market, competition, investment risks;
• production formation plan;
• forecasts for the sale of services / goods;
• financial plan;
• management organization;
• application.

Adaptation to the Russian market

The above plan for writing a business plan is recommended by Western analysts. However, in the practice of domestic entrepreneurship, some of its points require clarification and additional interpretation. So, taking into account the peculiarities of the Russian business sphere, the plan for writing a business plan should include a section that reveals an adequate understanding of the problems and issues related to the quality of services and goods. Here it is necessary to give possible solutions to them. It is also advisable to add a paragraph to the plan for writing a business plan that describes the ability to competently manage and regulate the cost of services / products. In the same section, it is worth revealing ways to ensure its competitiveness. Another additional item will be a clear vision of the prospects for the development of the enterprise, guarantees in the ability to bring the matter to the end.

Plan for writing a business plan: independent work

First of all, it is necessary to clearly assess the competitiveness of the proposed services or goods, analyze the sales market, the timing of the first profit, the time during which the investment will pay off. The next step is to determine the amount of required capital investment. Experts recommend dividing investments into several parts, backing up the rationale with appropriate calculations. Given the above points, it should be understood that a self-composed business plan may be fundamentally different from the above structure. It should also be noted that there is no project form regulated by norms and standards. Each entrepreneur has the right to independently establish a list of items, the amount of documentation for enterprise planning. However, if outside investment is required to open a business, the above scheme should still be followed.

Introduction

This section of the business plan is a presentation of the future enterprise. It should describe the type of activity in an understandable form in the most optimistic light. It often happens that the introduction is the only section that the investor reads on his own and immediately decides whether to take the project into development or reject it. The study of the remaining parts, which display calculations, marketing research, financial justification, he will entrust to his specialists. However, as practice shows, it is the introduction that decides the fate of the project. This section should be short and concise at the same time.

Characteristics of the industry and enterprise

This is the next important part of the business plan. This section provides a general description of the enterprise and industry:

• Financial indicators.
• Personnel composition.
• Direction of activity.
• Company structure.
• List and description of services/products.
• Development prospects and so on.

The section should contain the characteristics of the proposed production, a number of technological aspects. These points should be described in simple and accessible language. There is no point in delving into terminology, using a professional style. In this case, it is enough to point out the uniqueness of services or products, the demand for them in the near and foreseeable future. You can also draw the attention of the investor to the advantages of the products offered.

Marketing research

Here you should describe the conditions under which consumers become customers of the enterprise. The section outlines methods of sales promotion, formation of a positive image, distribution of services / goods. The marketing plan includes a list of advertising costs. In essence, you should justify how and why consumers will purchase a service or product.

Production

This section should be described. Here, the characteristics of the premises are given, the established requirements for equipment and personnel are indicated. The production plan should also describe suppliers and contractors.

Organization of the enterprise and financial component

The business plan should contain a description of the form of management, the tasks of the specialists of the administrative apparatus. For a domestic investor, a resume for each member of the management department is important. In this regard, in this section it is worth listing the partners, noting as truthfully and objectively the contribution of each of them to the development of the enterprise, functional responsibilities and role in the company. The financial part contains economic calculations. In particular, a table of income and expenses is compiled, a balance sheet is forecast, variable and direct costs are indicated, performed, and so on. Three forecasts are usually developed in this section: realistic, optimistic and pessimistic. They are displayed as graphs.

There are two categories of entrepreneurs: businessmen and artisans. The author of the article argues that there is a significant difference between these concepts, which depends on the life position of the individual. What do you want: to develop or earn at any cost? What brings more pleasure: success or a quality product? The essence of this antagonism is analyzed in detail in a new article.

Post from the Sedition series. But sedition is not always a lie. Most often the opposite. The article is offered for discussion.

Actually, there is one social mechanism leading to the prosperity of a reasonable society. This is a ban on business in the sense of entrepreneurship (the purpose of increasing capital; profits).

This was the case in the USSR and China. In the USSR, it disappeared for the same reasons as in China: the person himself did not want to live without this "drug". Entrepreneurship is in the nature of the human ego, just like bloodlust is in the wolf.

Please note that the concepts of "business" and "business" are not identical. The edge is determined by only one factor: the desire / lack thereof to increase profits.

What is there in return? Craft.

But the system of bread stalls, unlike a baker - or a law firm, unlike a lawyer - is already a business (the desire to get added value). And from this moment (from the moment thoughts about income appear) competition begins: the germ of robbery, strife, wars.

Competition has the wrong meaning. Competition is the result of a certain state of affairs, and not a special tool for improving quality. A good master is determined by life, not by the Antimonopoly Committee. But, when the “pack of wolves” (entrepreneurs) were nevertheless released into the wild, of course, the mechanism for curbing their greed becomes in demand.

Ask yourself: if you started to increase the business, then for what purpose? The answer is on the surface: greed or fear.

The meaning of the post is not to devalue the business. You can not exterminate the "wolves" simply because their essence is wolf. But everyone can think: is business really the way to happiness for them? I will tell you as a former owner of more than one business: this is a very unpleasant business. Like a suitcase without a handle. I don't think the great Jobs was happy with business. And if there was, then not from the desire to increase it, but from creativity, innovation, inventing, searching for ideas to improve your business, even if this improvement was saturated with ego.

We here, it seems, are not all righteous and are saturated with ego from head to toe. By the way, many millionaires can tell you this: they did not seek to increase ... to have more. It’s just that when their product became good, people were drawn to it. The queue created their business. And then the jungle swallowed them up. Many are still trying to break free, but only the truly enlightened can give up the drug. I hope they are not among the readers of this post. Someone well said: "To become free, you need to lose everything." So those who want to do business need to do it. How else to know that there is no happiness in it?

Conclusion. Business and craft are not organizational, legal or economic forms of people's relationships. This is different. This is the inflated ego of people in the first case, and their creativity in the second.

One thing is clear. Children can already be told “what is good and what is bad” (business or craft). With all the exaggeration, I believe that the Jobs business was more like a craft than any restaurant created today by a smart businessman who is ready to bend easily under power, because he has something to lose. The craftsman has nothing to lose. He is self-sufficient.

Another thing is the high skill of the craftsman. Here's where to go. Hone. And don't accumulate.

Business plan: sample and purpose of the document + reasons for drawing up + 5 stages of creation + features of writing for investors and for personal purposes + structure + 15 tips + 7 illustrative examples.

Any actions must be planned and displayed on paper. This is especially true for entrepreneurship. Without business planning, i.e. detailed optimization of resources and determination of further tasks, even an experienced entrepreneur will not be able to achieve their goals.

That's why it's so important to have sample business plan and compose it correctly. This material will help you with this.

Why and who needs a business plan?

There are several definitions of a business plan on the Internet.

Here are the most common ones:

Those. A business plan is a document that details how to implement it. Thanks to it, you can fully justify your project, evaluate the effectiveness of the decisions made from all sides, and understand the feasibility of funding for a particular activity.

The business plan shows:

• business development prospects;
• volumes of the sales market, potential consumers;
• profitability of the project;
• forthcoming expenses for the production and sale of products, their supply to the market, etc.

A business development plan is a tool that evaluates the final results of activities for a specific period of time. It can be used to attract investors and is necessary in creating a business concept, company strategy.

Drawing up a business plan is one of the important, crucial stages of planning. It is developed both for those enterprises that produce goods, and for those whose specialization is the provision of services.

Before writing a business plan, specialists or the owner of the company determine the tasks and means for their implementation. The developed document can attract creditors to implement ideas. For this reason, its importance cannot be overstated.

The purpose of the business development plan:

• analysis of aspects of entrepreneurship;
• competent management of finances, operations;
• justification of the need to obtain investments (bank loans, equity participation of companies in the project, budget allocations, etc.);
• accounting of financial opportunities and threats (risks) of the enterprise;
• choice of the optimal direction of development.

Entrepreneurs write business plans for the following reasons:

Features of drawing up a plan for personal purposes and creditors

It is important to see the difference between a business plan, which is written for internal use, and a document, so to speak, "ceremonial", to be transferred to creditors.

1. Create a plan for personal goals.

If you intend to use the sample business plan and write it for yourself, please note that it will be in the form of a practical guide to further actions.

The business development plan in this case should answer the following questions:

1. What activities do you (will you) do?
2. What product/service does your company offer to the market?
3. Who are the consumers, clients?
4. What goals should you achieve?
5. What means are needed to achieve the goals?
6. Who is responsible for performing certain tasks?
7. How long does it take to get it done?
8. What capital investment will be required?
9. What results should the actions lead to?

You need to understand that when drawing up a working document, you need to reflect the real state of affairs in order to know in which direction to move, what to do, what to strive for.

2. Document for investors.

When developing a business plan to provide to lenders/investors, the methodology is different. The person or organization that will finance your venture should receive a document detailing the situation and the main tasks.

You have to convince depositors that their money will be used rationally, to identify benefits for them. A business plan must be drawn up logically, each action must be justified.

If you have doubts in any area, study it more carefully, because according to the program you outlined, creditors will certainly have “uncomfortable” questions. And how you answer them will depend on the amount of initial investment in opening / developing your own business.

Also of particular importance is the confidence of the serve. It’s good if you manage to display statistics in a business plan, referring to the example of another company. This will increase your chances of getting an investment.

When writing a business plan, you should adhere to the business style and follow the structure.

Sample business plan: structure

Regardless of the purpose for which you draw up a plan, working with it takes place in 5 stages:

As a business builder, you can make up the first two without any problems. But what should be the competent structure of a business plan?

Let's analyze the main sections, what information they contain and how to correctly compose them.

No. 1. Title page.

It acts as such a calling card. It indicates: the name of your company, contact information, address data, phone numbers of the founders.

In addition, the title should contain the content of the entire document (chapter - page number). When composing the title, be concise, state the information concisely.

The total volume of the business plan is about 30-35 pages, including applications.

*Business plan (sample title page)

No. 2. Introductory part of a sample business development plan.

It takes approximately 2 A4 sheets. The introduction describes the main aspects of your business, its essence, what advantages it has.

It is necessary to write what is attractive for buyers of the product / service, what is the expected profit. If you intend to raise funds for the business, the introductory part indicates the amount of capital you need.

Usually the introduction is devoted to such points of the plan:

The introductory part is the last one, because. it describes the overall picture of the company's activities.
You can fully portray it only after studying all the nuances of the case.

You can study a sample of this and other parts of the plan at the end of this material - there are collected examples of this document for the main lines of business.

No. 3. The main part of the business plan.

The main section concerns the type of activity and all its key points, the cost of the project.

It consists of subsections:

• production;
• financial;
• marketing;
• organizational;
• business efficiency calculation;
• risks.

We will consider them separately.

At the end it follows final part. In it, you need to summarize the work done, give a clear definition of the tasks.

Subsections of the main part of business plans

No. 1. Development of the production subsection of the business plan.

The main section of the document is the largest. Its subsections describe each aspect of your case.

For example, industrial shows what equipment will be used, what premises you have, how much money will be needed to purchase and start a business.

Also, this plan is designed to allow you to calculate production capacity, determine the likely prospects for growth in production volumes.

In addition, it contains information on the full provision of raw materials, components, highlights the need for labor, temporary and fixed costs of business.

In order for the production subsection of the plan to have a clear structure and contain all the necessary information, indicate:

• how well the production process is, whether there are innovative solutions;
• ways of supplying resources, the degree of development of the transport system;
• a full description of the technologies, why they were chosen;
• Do I need to buy / rent a business premises;
• the composition of the required personnel and all data about it, labor costs;
• possible maximum volume of output;
• information about suppliers, business subcontractors;
• the cost of each product;
• an estimate with a mention of current expenses, etc.

No. 2. Development of the financial subsection of the plan.

Financial plan generalizes all the above data with economic indicators for business, i.e. in value terms.

This includes business reports:

• Balance plan (confirming the ability of the enterprise to timely settlement of its monetary obligations).

On financial results, profits and losses.

It highlights the sources of profit, how losses appeared, assesses the changes in business income / expenses that occurred in the reporting period, etc.

About the movement of money.

This report allows you to see operating results, long-term creditworthiness, short-term liquidity.

The financial subsection of the business plan is also characterized by the presence of:

• schedules for future financial activities,
• descriptions of likely investments.

Think carefully about the possibility of investing, whether it will be profitable, about the target orientation of the contribution. Write how you will return the funds attracted to the business.

Try to see the following in the financial part of your business plan:

No. 3. Development of the marketing subsection of the business plan.

The marketing subsection deals with the analysis of the sales market for your company's products. You must indicate in the plan the size, dynamics and trends of the market, its segments, conjuncture.

In addition, the subsection informs about who are the consumers of the business products, what strategy will be used to promote the product.

It calculates consumption volumes, estimated market share, describes the levers used to influence demand (advertising campaign, pricing, product improvement, etc.), business competitiveness.

It is necessary to evaluate your product from the consumer's point of view, what makes it attractive, what is its consumer value, is it safe to use, and how long does it last.

When compiling a marketing plan, rely on the following points:

To draw up a marketing plan, information is taken from the external environment, relevant research and surveys are carried out, and professional marketers are involved in order to study the market situation.

No. 4. Development of the organizational subsection of the plan.

In terms of doing business, organizational issues are considered no less important. Therefore, in this subsection, you are required to describe all the steps that will be taken to implement the project.

For example, as shown in the sample in the picture:

It is better to present information in the plan in tabular form, so that the sequence of your actions is clearly visible. It would not hurt to mention the normative and legislative acts that regulate the chosen branch of activity.

In the organizational plan, it is worth describing the managerial side, the duties of all employees, the system of subordination and incentives (remuneration), and describe the internal regime of the company.

Remember to follow the structure as in the example:

No. 5. How to issue a calculation of efficiency and possible risks?

In the penultimate sections, you need to give an objective assessment of the company's performance, show the expected prospects based on the estimate, balance sheet, profitability threshold, planned sales volume.

The developer of the business plan must write the payback period, NPV (net present value).

The best option would be to arrange this in a table, as in the example below:

Business risks should also be considered. Be sure to indicate in the plan what measures you will take if they occur to minimize them, which self-insurance program you will resort to.

Experienced business plan writers pay special attention to risks, and consider the probability of the worst possible outcome. By making notes on how to eliminate the expected difficulties, you will make your work easier in the future. If there are losses and financial losses, you will already know how to compensate for them.

When this section of the business plan causes difficulties, they turn to experts for help.

Often, a SWOT analysis of a business is used for this purpose:

This is a method of identifying external / internal factors that affect business development.

Thanks to it, you will be able to evaluate:

• their weaknesses (suppose the need to rent a building, unrecognizable brand),
• advantages (low price, high service, professional staff),
• designate opportunities (these include the availability of funds for the introduction of innovations, the use of modern equipment, coverage of a larger market segment, etc.).

And, ultimately, threats that you can't undo, such as:

• economic crisis,
• deterioration of the demographic situation,
• increase in customs duties,
• growing political tension,
• tough competition, etc.

If you provide a clear and justified algorithm for solving risks in the document, it is guaranteed that you can attract partners and creditors for your business.

15 tips for beginners to write a good business plan

very laborious and complex. In the process of its compilation, many questions will arise. For this reason, most beginners make mistakes.

To avoid them and make your business plan worthwhile, follow these guidelines:

Before you start writing, it is better to look at more than one example of a business plan.

It is easy to find illustrative examples on the Internet, and perhaps they will even relate to your line of work.

There is no need to “spill water”, thinking that the document is supposed to be voluminous.

The business plan should contain only important, realistic information that is of interest to investors and useful to you in doing business (as in the examples below).

1. Errors, corrections, misprints are strictly not allowed.
2. The business plan should reflect the ability of your enterprise to reach a higher level and the strengths of the management team.
3. When developing a business plan, one should not underestimate competition and possible difficulties.
4. If the information you want to display is subject to confidentiality, it should be skipped.

Don't rush the paperwork.

Such a plan would not have the desired effect on creditors. If you are compiling it for yourself, anyway, it should not look like a draft version.

Use more tables, graphs (as in the samples below).

Providing statistical data in this way makes the material more visual.

Market analysis is often inaccurate.

Therefore, responsibly approach the marketing section, collect all the necessary data.

Be sure to include competitive features in your business plan.

Throw out too abstruse expressions from the business plan, as well as those that are understood ambiguously and demonstrate your failure.

For example, “a product that has no analogues”, “under consideration”, “ease of implementation”, etc.

Keep track of all business expenses.

Lenders consider this column especially important. Therefore, they may have a lot of questions for you on such items as salaries for personnel, taxes, purchase of raw materials, etc.

Don't ignore risk considerations.

As already mentioned, this will serve as a protection against the problems encountered on the way to achieving the goals, as well as allow investors to see you as a serious, responsible entrepreneur.

5. Focus in the business plan not on the first profit, big earnings, but on a stable cash flow.

Don't forget to set time limits.

Any task has a deadline (quarter, year, several years).

If you are not sure that you can master the business plan on your own, even using the samples below, do not spare money on a specialist.

He understands this issue more than you, so he will draw up a document accurately, without technical, methodological and conceptual oversights that you can make without proper experience.

A detailed diagram of a quality business plan with explanations

you will find in this video:

Ready-made business plans (samples) for different areas of activity

The pharmaceutical business does not lose its relevance, because the need for medicines does not disappear. Moreover, most of the family budget, as a rule, goes to medicines.

Because of this, opening a pharmacy is a very profitable business.

Therefore, it makes sense to take a closer look at the example of designing such a business plan in this sample:.

If you want to go into another area, consider opening a cafe.

There are quite a lot of similar establishments and the competition is strong. However, the demand for them is growing. If you take into account all the points of arrangement, you offer healthy food, you will definitely succeed.

To properly draw up a document, check out a sample cafe business plan!

The male half of the population may be interested in the idea of ​​organizing a car service.

The owner of the service station will not be left without income if the activities for the repair and maintenance of vehicles are detailed with all the ensuing factors in the business plan.

It will be more pleasant for women to open a beauty salon.

We assure you that regardless of the number of beauty care establishments available, your "enterprise" in the beauty industry will be in demand. This is due to the fact that every client wants the salon to be at hand, and did not have to get to another quarter.

Representatives of the beautiful half of humanity can delve into trading activities and create a flower shop. The main advantage of the idea is a small starting capital.

This small business also requires planning. And although flower shops are not exactly popular in Russia, who knows, maybe you will change that.

To do this, you need to draw up a well-thought-out business plan (a sample of which you can study at this link).

The hotel business is a much more complex option, which involves taking into account many factors, especially marketing ones.

If you do not know what size of the room you need, what investments are needed, get the information of interest in the standard sample:
hotel business plan.

No less time-consuming is the process of implementing a farming project. But in this case, you will have the opportunity to receive financial support and benefits from the state.

A good sample plan that can attract public investors, clearly demonstrates the goals, .

The implementation of any idea begins with a business plan. Without it, it is impossible to determine the necessary tasks, to understand the feasibility of investments and costs. Many businessmen needlessly ignore this fact and do not use this useful tool.

If you did not have experience in writing, any sample business plan given here will help you understand all the standards for drawing up, due to which you can easily set yourself a guideline for further actions.

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I know a lot about business planning. Planned and opened 3 family businesses. Drafted 4 business plans for grants and one subsidy from the Employment Center. Helped a few friends formulate their ideas, edited dozens of documents for clients, reviewed hundreds of submissions from business loan applicants.

For two years I worked in a credit institution that financed a business. Beginners and experienced entrepreneurs applied for funds, and we assessed the prospects and payback of the idea, drew up a business plan or corrected the client's existing calculations. Information about the applicant was presented at a meeting of the credit committee, where they collectively made a decision to issue the requested amount or to refuse.

In order to convince all loan officers to vote “yes” for financing, it was necessary to analyze all the possible risks of the project and find solutions for any situation, protect the lender’s money from all sides, and provide exit options if everything goes according to a negative scenario.

The discussion of business projects at the credit committee was structured as follows:

- And what if he divorces his wife, who will sell in his store, because now she herself is behind the counter?

- Hire a second salesperson. By the way, for a loan, the wife acts as a guarantor, so she will take on half of the debt during a divorce.

- What will happen to the debt when the “off season” for sales comes?

– In the off-season, in the schedule, I propose to reduce monthly payments so that the client “pulls” this amount during a period of reduced profits.

“And if his warehouse is robbed?”

“The warehouse is guarded, but we still insure the inventory – this insurance company pays out a refund within a couple of weeks without quibbles and delays, so the client will quickly recover the losses and be able to order a new batch of goods.

Become such a strict commission for your own project and go through all the weak points of the business to find a plan B and C for any situation. Discuss the idea and brainstorm with friends. It is better to find possible problems and think over their solutions on paper even before opening a company than to take risks and incur unnecessary costs later.

Quite everyday situations can turn into a disaster for a micro business and problems for a large enterprise. Take this into account when planning so that you don’t suddenly go into the negative.

My experience will help you draw up a business plan and get funding for it. It can be used to approach private investors, apply for a bank loan, or apply for a grant for start-up entrepreneurs from the local government.

Using the example of my new family business - a small blacksmith shop - I will show you how to create a business plan to raise funds from the budget.

A business plan is a document that comprehensively describes the idea, project, work and results of such work. It takes into account everything from the launch schedule and recruitment to different development scenarios and payback periods. The full version of the document lists possible risks and options for minimizing them.

What is the difference from TEO?

A feasibility study is a feasibility study for launching a project. The calculations in it relate only to the necessary investments, upcoming costs, expected income, payback period. It calculates the financial benefit from the planned activities. A feasibility study can be drawn up when a separate issue is being resolved, for example, about transferring accounting to.

A business plan, compared to a feasibility study, covers a wider range of issues, including promotion and marketing of the project, organizational measures, and risk assessment. The social component of a startup is also considered here. A business plan is a more comprehensive document; it is needed when opening a restaurant or store.

Why do you need a business plan

The business plan shows the seriousness of the entrepreneur's intentions and the depth of his immersion in the topic. He needs this himself in order to understand what awaits in the process, how to avoid problems and make a profit.

But this document is most important when raising funds. Without a business plan, an investor, loan officer or administration employee will not discuss the possibility of issuing loans or budgetary funds.

Let's go back to our forge. My husband and I need a business plan for internal use - in order to understand what launch costs will be needed, how much and what will have to be purchased, what and how to arrange for legal work, what income is possible, what to produce and how to sell.

But another purpose of compiling a BP is to apply for a grant. At the district level, budgetary funds are distributed to support start-up entrepreneurs. It is possible to receive up to 300,000 rubles free of charge when passing a competitive selection, during which the commission evaluates the business plan and its performance. To get around competitors and get, you need to correctly compose this document and correctly present your project.

Internal - for making managerial decisions. A businessman needs such a document for himself, for partners, for employees.

External - to attract funding and state support, search for an investor. It is compiled for communication with banks, applying to the district / city administration for a grant or subsidy, negotiations with possible partners.

The tasks that different business plans solve are different. It is impossible to draw up one document and go with it for a loan, and for budget support, and in search of a private investor.

1. Money from the budget

Tasks of the business plan when attracting budgetary funds:

• Demonstrate your vision of the project, convince officials distributing funds that you understand the chosen area and understand where to start. They do not care how and what you will do in the course of work, the main thing is that your business stays afloat for at least 3-5 years. That is how much they track the fate of support recipients.
• Choose a priority direction of development: to make and sell what the market needs, to deal with those services that are lacking in the area, to satisfy the demand of different categories of the population. This is important, again, to improve statistics in the area, so that the authorities can report that the consumer market is developing.
• Confirm the social significance of the project: the creation of jobs and the employment of the unemployed, youth, the disabled, parents with many children - the more workers a business needs, the better. The number of new jobs is one of the project evaluation criteria.
• Calculate the budgetary efficiency of the business - the volume of tax and non-tax revenues, including insurance premiums for employees and personal income tax, the more you plan to pay the state, the higher the likelihood of a grant. Ideally, these revenues should cover the cost of providing you with a grant in a couple of years, and then cover them.

Consider all these points when drawing up a business plan in order to correctly place the accents.

All indicators of the business plan and forecasts will be checked after the issuance of budget funds - once a quarter, six months or a year, the commission will go to the site and request financial documentation and reporting from you, and compare the indicators with the planned ones. If you do not hire employees or start delivering products to local stores as promised, then you may be forced to return the money, as you have not fulfilled your obligations under the contract. Therefore, on paper, do not overestimate the numbers and do not embellish anything, approach planning more realistically.

2. Bank loan

If you decide to apply for money to a bank, then a business plan for a loan will perform other tasks:

• To prove understanding of the project by the entrepreneur himself, to give a calendar plan that will help to draw up a debt repayment schedule.
• Calculate the amount of income and expenses, taking into account mandatory payments to repay the loan.
• List the risks of non-repayment of the loan and suggest possible ways to minimize them - surety, insurance, pledge of property.

The lender needs the client to reach the planned income and be able to fulfill his obligations without delays and failures, even in case of emergency. In the business plan for the bank, it is necessary to focus on this. He does not care about the number of jobs created or the amount of taxes paid, more important is the financial stability of the borrower.

3. Investor funds

For the investor, the financial component of the project is also important, he needs information about the profitability and payback period of investments. When investing his money, he must understand how quickly he will get some results - a return of money, part of the profit.

The business plan should immediately provide for options for distributing profits between investors, providing them with a share in the company, and the degree of involvement in the work.

4. Internal resources

A business plan “for yourself” can perform any tasks and contain a wide variety of information about a future or existing enterprise. With it, you can prepare a report for management and shareholders with calculations and arguments in favor of expanding production, opening a new outlet, entering the market of another region, developing a product line.

In such a document, you can delve into the details, paint all the nuances and take into account not only financial issues, but also organizational work, marketing policy, and production moments.

There is no universal business plan, you always need to understand what and for whom it is intended and, taking this into account, draw it up.

• To receive a grant, the business plan of the forge must tell more about what it will give to the district, what benefits the budget will receive from its opening.
• So, be sure to indicate that the nearest forge is located in another area of ​​the region 200 km away, so the opening of a new enterprise will provide local residents with affordable products. And it will be suitable for domestic needs and satisfy the needs of all categories of the population - hardware tools, interior items, furniture.
• It should be emphasized that in the first year the entrepreneur-blacksmith himself will be employed, and in the second year it is planned to hire one more employee as assistants. This will create 2 jobs.
• It is also worth calculating in detail how much insurance premiums a self-employed entrepreneur will pay for himself, and how much for an employee next year.
• The salary of an employee must necessarily exceed the average level of salary in the relevant industry in the region. So, in the Novgorod region, statistics say that workers in the manufacturing sector receive an average of 32,000 rubles. Payments to the employee in the calculations must be indicated not less than this amount.
• This will need to be mentioned in the brief description of the project - that part of the business plan that will be read and carefully studied by all members of the competition committee.
• If we went to the bank for a loan, then the emphasis would be on other details - payback, stable income, profitability, which allows you to repay the requested amount with interest.

The main sections of the business plan

Any business plan should contain a comprehensive description of the project so as not to miss important information. The main sections can be called differently, be combined or divided into additional subsections, but their content must be in the document.

What sections does a business plan include

Detailed content of business plan sections

What to write about in the main points of this document in order to get a complete picture of the development of the company?

Business Description

date of creation, official registration of an individual entrepreneur or legal entity.

Distribution of shares in the company between partners, co-founders, investors.

Businessman experience before that - education, experience as an employee. It is not necessary to indicate the entire working biography and attach diplomas, unless this directly relates to a new project. So, when a businessman planning to open a cafe has worked for several years as a manager in a catering business, this will be his plus. If he graduated from the university with a degree in the restaurant business, then this is another point in the treasury of his experience. And if he has been twisting nuts in a car service all his life, trained as a veterinarian, and then suddenly swung at the opening of a bar, information about education and experience will be superfluous.

Place of registration, area of ​​business. You need to specify not only the address, but also the general coverage of the territory.

Goals and objectives of the project. Here you need to describe the field of activity, as well as measurable results - open 1 cafe for 30 seats, sell 500 kg of pastries daily, etc.

I will show you how to describe an enterprise in a business plan, using the example of a forge. The Project Description section contains the following information:

• The date of registration of IP is May 2018.
• Business - the entrepreneur will conduct independently, without the involvement of partners. The employee will be hired in the spring of 2019.
• The entrepreneur was engaged in forging in his home workshop for a year. In the spring of 2018, he rented a room for a forge on the production site, equipped it and continued to work.
• At the end of 2017, he completed a three-month course “Hand Artistic Forging” at the Academy of Metalworking (St. Petersburg) and received the qualification “blacksmith” (a copy of the certificate of education is attached).
• The goal of the project is to open a forge in the N district for the production and sale of forged products to the population.
• By 2019, it is planned to produce products worth 250,000 rubles a month.

Sales market assessment. You need to estimate the size of the market, the population, the number of potential customers. It is quite difficult to do this without full-fledged marketing research. Therefore, it is worth looking for ready-made results of such an assessment for your region. In the extreme case, you can predict effective demand approximately.

The main thing is to formulate sales tasks for yourself: will you work only within the microdistrict, open retail outlets throughout the city, deliver products for sale throughout the district, or will you deliver outside of it.

How exactly you plan to reach your target audience, how you will choose suitable promotion channels, you will describe in detail in the “Marketing Plan” section, now indicate only the direction.

Competitors. Make a list of your competitors who are already operating in this market.

Not only direct competitors offering similar goods and services are taken into account, but also those companies that produce replacement products and provide alternative services. If your city does not have a specialized tea boutique, this does not mean that the market is clear of competitors: you will have to fight for customers with those department stores and supermarkets that also sell various varieties of tea.

• There are no other blacksmiths engaged in artistic forging on the territory of the district center itself and neighboring districts. The nearest company selling such handicrafts is located at a distance of 250 km (in the regional center).
• Hardware and factory-made entrenching tools - pokers, staples, machetes, axes, accessories - are offered in 6 hardware stores in the district, but consumers complain about their low quality, and monitoring of goods has shown that such goods do not last long. Forged handmade products are more durable, and a local blacksmith can compete with factory suppliers, guaranteeing not only high quality, but also tool sharpening, repair, and custom-made manufacturing with the right dimensions. Forged decorative interior elements and household items - door handles, hooks for gates and hinges for gates, hangers and hooks for clothes - are rare in stores, mainly plastic products are sold. Forged garden furniture - benches, gazebos, lanterns, tables - is not sold in the area.
• These products are in steady demand among the local population. Products of manual artistic forging are bought not only by rural residents for their village houses, but also by summer residents, owners of tourist camps and country cafes.
• The forge will supply goods to the market of the N-sky district, conclude contracts with shops for the supply of products for sale, and participate in craft fairs in St. Petersburg and Moscow.

Production plan

Business processes. Write a list of equipment, tools, raw materials and materials that are required to create the selected range of goods and services. Calculate the optimal production volumes that your equipment can handle. Specify which employees and with what load you will need.

Products. List the products, services and works that you will offer to customers. Calculations on the costs of organizing business processes will allow you to find out the cost and draw up a price list.

Starting investments. Calculate how much money you will need to start the project. Sum up the cost of all assets, fixed assets, repairs, materials and other costs that will be required to start production.

For example, this section might look like this:

• For work, the forge must be equipped with ventilation, a forge, an anvil with a hammer, a vice, a table for cutting metal, a spray booth for processing finished products with heat-resistant paint, anti-rust and other coatings. All this has already been done by the entrepreneur himself.
• The following equipment and tools will increase the efficiency and productivity of the following equipment and tools: a grinder for sharpening blades (40,000 rubles), a grinder for cutting metal (5,000 rubles), a grinder for processing forged products (10,000 rubles), a welding machine (20,000 rubles). .), mechanical hammer (from 150,000 rubles). The total cost of equipping the forge is 225,000 rubles.
• In the manufacture of products, metal is used - a profile, sheet iron, fittings, wire. Raw materials are purchased in small bulk at a metal depot in a neighboring area, delivery is carried out by the supplier's transport. The cost of a batch of raw materials and materials, including delivery, is 10,000 rubles. In a month, taking into account the load and the amount of work, there can be 2-4 batches.
• Forging requires coal and gas in cylinders. Combined hearth allows you to process metal by heating it with coal or gas. The average consumption of these types of fuel per month is 1,500 rubles and 2,000 rubles, respectively.
• Ventilation supply and exhaust, electric. It is used to maintain the desired temperature in the hearth and remove combustion products from the room. Electricity consumption is accounted for by a separate meter in the forge and reaches the amount of 2,500 rubles per month.
• During the first 9-10 months, the blacksmith will work alone, then it will be necessary to hire a worker to help.
• The forge is located on the territory of the carpentry shop, so there will be no problems with the manufacture of mixed products - from wood with forged elements.
• List of products: benches, tables, bar stools, flower stands, fireplace sets (poker, scoop, stand for them), floor and wall hangers, coat hooks, latches and hinges for wickets and gates, door handles and cabinets, lamps , stands for the kitchen for hot or cutting boards, sickles, machetes, scrapers, knives.
• The forge is already working, but not at full capacity. Grant funds are needed to purchase additional equipment. Replenishment of current assets and payment of current expenses will be made at own expense.

organizational plan

Organizational and legal form. Whether an individual entrepreneur or LLC, or some other form of organization, is suitable for the implementation of the selected project. What is the rationale for the choice. What system of taxation is chosen, why is it suitable.

Distribution of founders' roles. If there are several partners, their role in the management and operation of the company is described. What will they do, what will they be responsible for.

Staff. What employees will be needed, who should be hired, who should be temporarily involved, what functions can be outsourced or performed independently.

Settlements with counterparties. how it is planned to receive money from customers, whether it is necessary to open, buy an online cash register, or are there options to make payments somehow differently.

Project Schedule. What needs to be done and when, what issues should be resolved immediately, which ones later. It is desirable to calculate the cost of each stage in order to clearly show when and how much funding is required.

• For a forge, it is enough for a self-employed blacksmith to be an individual entrepreneur. This simplifies accounting and reporting. The accounting is carried out by the entrepreneur himself, using the appropriate online services provided to him by the bank.
• For settlements with customers and suppliers, a current account is used, and a cash desk will also be purchased, although goods can be sold at fairs without it. When buying a cash register, a special deduction will be used.
• After hiring an employee, it will be necessary to register with extra-budgetary funds as an employer, before that it is enough to regularly pay insurance premiums to extra-budgetary funds.
• The activity is already underway. Upon receipt of the grant, equipment will be purchased, which will increase production volumes.
• When budgetary funds are issued in July, all the necessary equipment according to the list (for 225,000 rubles) will be purchased and installed within a month, and from August the productivity of the forge will increase several times. The hiring of a worker is planned in the spring of next year - in March-April, before that the blacksmith will work independently.

This section is devoted to channels and methods of promotion, the necessary actions to increase sales, and advertising costs.

Promotion channels. Advertisements in newspapers, commercials on radio and TV, online advertising, creating your own website and group in social networks, advertising in local publics and forums, participation in exhibitions and fairs.

The target audience. Who do you focus on when marketing? Who is your client - by age, gender, occupation, income level. Where to find him and how to contact him.

Promotion cost. How much will it cost to search and attract target audience. How often you will have to run ads, what options it is advisable to choose.

In our example business plan, this section would look like this:

Financial indicators

It is necessary to calculate the cost of production, the planned sales volumes, the necessary costs, the projected income and profit, the profitability of the project. If there are many and different products, it is not necessary to provide all the calculations in the business plan, they can be placed in a separate application, and all indicators are calculated based on the average cost value. You need to show your own contribution to the project, the need for borrowed funds. If necessary, repay the loan - an approximate repayment schedule. When paying to an investor - calculation of his share of profits.

Risk assessment

External factors. Emergency and natural disasters, the negative impact of local authorities, a new competitor, a change in the economic situation and a drop in incomes of the population.

Internal factors. Misjudgment of the market, delivery delays, personnel problems, production errors, problems with renting premises, accidents at work.

Risk Mitigation Options. Life, health, property, third party liability insurance. Opportunity to reduce prices, change the assortment, switch to other products, change the circle of potential customers, expand the sales market and find new customers outside the area, region or country. Arrangements with partners and contractors, good personal relations with the authorities, a large number of skilled workers in the market who are looking for work, etc.

Something like this will look like the study of part of the risks for the forge:

• At first, the income of the forge will depend entirely on the entrepreneur himself. Health problems or injuries will negatively affect the volume of work and profits. Accidents at work can be prevented by observing safety regulations. Then it is planned to hire an employee who will remove the increased workload from the blacksmith himself.
• Fire, accidents, equipment breakdowns, natural disasters - the damage from these accidents will be covered by property insurance, which will be issued for the rented premises, equipment and tools in the forge at their market value. The forge had already passed the fire inspection, and representatives of the energy company were also there, they checked the electrical wiring, the extractor on the forge, ventilation and fire alarms. There were comments, but all the shortcomings were immediately eliminated. The room itself with a separate entrance is located in a brick building and meets the general requirements for production safety.
• In case of problems with the lease, it is possible to quickly move the forge to another place - there are enough suitable empty production areas in the area, the equipment is easily dismantled and can be installed elsewhere within 1-2 days.
• With low demand for products and small trade turnover, the sales market will be expanded, agreements will be obtained for the supply of products for sale to hardware stores in other districts of the region, the most popular goods will be selected, and the assortment policy will be revised. There is no need to change equipment or restructure work - it is enough to purchase other raw materials and materials for the production of other products, for example, forged fences, window bars, gates and wickets, entrance groups and canopies over the porch.
• If another competitor appears on the market, the entrepreneur will choose the most profitable niche and will produce products that the new market participant will not have, or change the sales strategy and supply finished products to other markets.

Project Summary

This section contains the most important things: the essence of the project, the necessary investments, the results after the launch, development prospects, possible risks and ways to reduce them. The remaining sections with details will be read only if the summary of the business plan is of interest to an investor, creditor, official. Therefore, remember once again what the goal of your project is and indicate important indicators that meet this goal. Repeat what you will produce, how much income you plan to receive, what expenses will be required, how much money you invest yourself, and how much you need to attract.

Common mistakes when writing a business plan

• Very optimistic. Insufficient knowledge of the market. Lack of adequate risk assessment.
• Copying other people's calculations. Using data without reference to reality and to the specifics of the business.
• Without considering the purpose and addressee. Lack of important indicators. A lot of unnecessary information and "water".
• Poor design, illiterate presentation of information, negligence in calculations. Confusing presentation and lack of a clear structure.

How to get money for a business plan

Studying the design requirements

When contacting a bank or municipal government to raise funding, ask for application rules. Often this is a simple and understandable list of required documents, as well as a list of requirements for the content and design of a business plan. Sometimes even a template of this document is given with sections and subsections already indicated. where you just need to enter your information. There are also wishes for its volume, a list of questions for project analysis, a list of important indicators that you must calculate.

Hello, dear readers of the Internet magazine about money "RichPro.ru"! This article will talk about how to write a business plan. This publication is a direct instruction to action that will allow you to turn a crude business idea into a confident step-by-step plan for realizing a clear goal.

We'll consider:

• What is a business plan and why is it needed;
• How to draw up a business plan;
• How to structure it and write it yourself;
• Ready-made business plans for small businesses - examples and samples with calculations.

At the end of the topic, we will show the main mistakes of novice entrepreneurs. There will be a lot of arguments in favor of creating quality And thoughtful business plan that will bring the realization of your idea and success affairs in the future.

Also, this article will provide examples of finished works that you can simply use, or you can take as a basis for developing your project. Ready-made examples of submitted business plans can be download for free.

In addition, we will answer the most frequently asked questions and clarify why not everyone writes a business plan, if it is so necessary.

So, let's start in order!

The structure of the business plan and the content of its main sections - a step-by-step guide to compiling it

7. Conclusion + related video 🎥

For every entrepreneur who wants to develop himself and develop his business, a business plan is very important. He performs many responsible functions that no other person is able to do differently.

With it, you can get financial support and open, develop your business much earlier than you can collect a significant amount for the business.

Investors generally react positively to a good, thoughtful, error-free business plan, as they see it as a way to make easy money with all the troubles invented and described.

In addition, even before the establishment opens, you see what awaits you. What risks are possible, what solution algorithms will be relevant in a given situation. This is not only investor-friendly information, but also the right plan if you get into trouble yourself. In the end, if the calculation of risks is too daunting, you can remake a little, transform the general idea to reduce them.

Creating a Good Business Plan is an excellent solution for finding investments and developing your own action algorithms even in the most difficult situations, which are more than enough in business.

That is why, in addition to their own efforts it is worth using "other people's brains". A business plan includes many sections and calculations, research and knowledge, only with successful operation, with which success can be achieved.

The ideal option would be to study all aspects on your own. To do this, it is not enough to sit and read the relevant literature. It is worth changing the circle of communication, turning to courses and trainings, finding specialists for consultations on certain issues. That's the only way really figure it out in the situation and dispel all your doubts and delusions.

A business plan is worth writing for many reasons, however home is a clear algorithm of actions by which you can quickly get from point A(your current position, full of hopes and fears) to point B(in which you will already be the owner of your own successful business that consistently and regularly generates income). This is the first step towards fulfilling the dream and the confident status of the middle class.

If you still have questions, then perhaps you will find the answers to them in the video: "How to write a business plan (for yourself and investors)".

That's all we have. We wish everyone good luck in business! We will also be grateful for your comments on this article, share your opinions, ask questions on the topic of the publication.