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RBAC requires a business plan for all start-up ventures. You need a roadmap as much as we need to see how you plan to operate the business and earn a profit to repay the RBAC loan. RBAC is not looking for a lengthy or scholarly document, but we are looking for the basic operating assumptions of your business and how those assumptions are translated into projections of sales, expenses and profits.

NOTE

Businesses that have been operating at least 12 months need to provide two years of sales projections and expenses.

Suggested Outline of Business Plan

  1. Cover Sheet

    • Name of business, names of principals, address, phone and fax number of business
    • Table of contents
  2. Executive Summary

    • Highlights the key points of the entire plan
  3. The Business

    • Product or service description
    • Market description and analysis
    • Competition
    • Location of business
    • Management
    • Personnel
    • Planned uses of additional funding
    • Summary
  4. Business Overview

  5. Financial Data

    • Sources and applications of funding
    • Capital equipment list
    • Balance sheet
    • Breakeven analysis
    • Income projections (Profit & Loss statements):
      Three years of projections of sales, expenses and profits/losses
      • Cash flow projections: helpful, but optional
      • Historical financial reports for current business:
        • Balance Sheet for past three years
        • Income Statement for past three years
        • Tax returns
  6. Supporting Information

    Personal resumes, personal financial statements, budgets, credit reports, letters of reference, customer and vendor letters, copies of (draft) leases, contracts, letters of intent and any other document which is relevant to the business plan.

    RBAC staff is experienced and ready to assist you with all aspects of planning your business. For entrepreneurs needing assistance initially putting ideas into a written plan, we recommend that you contact your area Small Business Development Center: www.njsbdc.com for organizational business.

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