Comercio Exterior 1 Colegio Internacional Lope de Vega – 24th Nov 2015
Javier Izquierdo
YES PROJECT – ERASMUS +
FINANCIAL PLAN
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Financial Plan
FINANCIAL MANAGEMENT
COMPANY THAT ALREADY EXISTS
NEW COMPANY
BUSINESS PLAN
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Financial Plan
BUSINESS PLAN
Plan RRHH
Plan MK
Plan Operaciones
FINANCIAL PLAN
ETC.
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Financial Plan
FINANCIAL
MANAGEMENT
FINANCIAL PLAN
FINANCIAL
ACCOUNTING
MANAGEMENT OPERATIONS
ECONOMICAL & FINANCIAL
STUDY
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Financial Plan
I am sure
You will do yourself a lot of questions
about commercial, operations, human resources issues, etc.
BUT TODAY,
WE ARE TO MAKE
ALL QUESTIONS YOU CONSIDER
IN TERMS OF “FINANCING”
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Financial Plan
WITHOUT A “GOOD” FINANCING PLAN,
NO BUSINESS IDEA CAN BE SUCCESFULL
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Financial Plan
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Financial Plan
ECONOMICAL & FINANCIAL
STUDY
Viability
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Financial Plan
ECONOMICAL
Viability
FINANCIAL
Viability
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Financial Plan
ECONOMICAL Viability
The project is viable if it is able to generate
PROFITS
and provide an acceptable
RETURN
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Financial Plan
FINANCIAL Viability
The project is viable if we have not problems of
TREASURY
and it has a balanced financial structure, related to
DEBT
SOLVENCY
LIQUIDITY
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Financial Plan
FINANCIAL Viability SITUATION ANALYSIS
TARGETS
LIQUIDITY SOLVENCY DEBT
Info Reliability
Sector Company Management
Business Strategy
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Financial Plan
ANSWER
We need a
resounding yes
YES NOT
We don´t need a
doubtful yes
LET´S GO
GO ON
COME BACK
REVIEW
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Financial Plan
ENTREPRENEUR
PROFITABLE BUSINESS
START?
FINANCIAL PERFORMANCE
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Financial Plan
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Financial Plan
Let me know ……………
…………..
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Financial Plan
Are you able to answer
FOLLOWING QUESTIONS?
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Financial Plan
QUESTION 1?
What investment do you need to
start your project?
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Financial Plan
QUESTION 2?
How are we going
to finance
such needs?
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Financial Plan
QUESTION 3?
Do we have the warranty to get
the finance
we need?
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Financial Plan
QUESTION 4?
Can
we deal
with our debts?
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Financial Plan
QUESTION 5?
Can
we generate
Profits?
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Financial Plan
QUESTION 6?
What prospects of profitability in the short and medium
term have our project?
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Financial Plan
QUESTION 7?
What is the taxation
corresponds to my project?
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Financial Plan
Key concepts
financing needs financing
sources treasury
Profits (benefit) taxation
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Financial Plan
FIGURES
BE ACCURATE
BE HONESTY
WITH YOURSELF
BE CONSERVATIVE
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Financial Plan
DO NOT THINK !!!!!!!
ALICE IN WONDERLAND!!!!
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Financial Plan
INITIAL NEEDS
1. Equipment (machinery, furniture, computer equipment)
2. Transport & Tools
3. Stocks, Raw materials
4. Facilities: buildings, warehouses, stores
Resources and investment to finance your activity
ASSETS
1
1
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Financial Plan
HOW MANY MONEY DO I HAVE?
INPUTS? How can I finance it?
CAPITAL STOCK
2
Money (€, $) In kind
2
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Financial Plan
WHO FUNDS ME?
Common sources:
Banks
Suppliers,
others, etc.
Financing Sources
3
We have several and diverse Financing Sources
NET EQUITY 3
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Financial Plan
JUST GET “THE FINANCING”
And you know very well them
You just know
LIABILITIES
4
4
How many money do you debt?
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Financial Plan
JUST GET “THE FINANCING”
BALANCE
4
5
INITIAL INVESTMENT INITIAL FUNDING
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Financial Plan
JUST GET “THE FINANCING”
BALANCE
4
5
ASSETS (Activo)
LIABILITIES (Pasivo)
EQUITY (P. Neto)
WHERE DO WE GET THE RESOURCES
WHERE DO WE APPLY
THE RESOURCES
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Financial Plan
PROFITS
PROFIT & LOSS
5
6
A profit and loss statement (P&L) is a
financial statement that
summarizes the revenues, costs and expenses
incurred during a specific period of time, usually a
fiscal quarter or year.
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Financial Plan
PROFITS
PROFIT & LOSS
5
6
These records provide information about a
company's ability – or lack thereof – to
generate profit by
increasing revenue,
reducing costs, or both.
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Financial Plan
PROFITS
PROFIT & LOSS
5
6
The P&L statement is also referred to as
"statement of profit and loss",
•"income statement”,
•"statement of operations”,
•"statement of financial results”, and
•"income and expense statement."
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Financial Plan
PROFITABILITY 6 PROFITS
Result of activity
My business idea
It works???
Compare with competence
PROFITABILITY
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Financial Plan
PROFITABILITY 6 1. Amount in euro of Profit
2. Knowing the industry/sector
3. Make a good market survey
4. Evolution Business / Industry
It is a industry where you can
GET IT BACK profitability
before 1st year, during 1st, 2nd or 3rd one.
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Financial Plan
PROFITABILITY 6 If you do not generate PROFIT FIRST YEAR
IT DOES NOT MEAN THAT IT IS NOT PROFITABLE
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Financial Plan
PROFITABILITY 6
• A company that does not generate profit
UNTIL 3rd YEAR, CAN BE PROFITABLE
• A company generate benefits FOR 6
MONTHS, CAN NOT BE PROFITABLE
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Financial Plan
PROFITABILITY 6 IT S USUAL 3 YEARS FOR A COMPANY
ACTIVITY SECTOR
KIND OF COMPANY
OPERATING INCOME
EARNING BEFORE INTEREST AND TAX
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Financial Plan
TAXATION 7
NET INCOME
Different taxes regarding country laws
VAT, CORPORATION TAX, ETC
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