It should be noted that there is no special software required to use these templates. All business plans come in Microsoft Word and Microsoft Excel format. Each business plan features:

• Excecutive Summary
• Company and Financing Summary
• Products and Services Overview
• Strategic Analysis with current research!
• Marketing Plan
• Personnel Plan
• 3 Year Advanced Financial Plan
• Expanded Financial Plan with Monthly Financials
• Loan Amortization and ROI Tools
• FREE PowerPoint Presentation for Banks, Investors, or Grant Companies!

1.0 Executive Summary

The purpose of this business plan is to raise $100,000 for the development of an e-commerce based website that sells widgets. This business plan will also showcase the expected financials and operations over the next three years. The E-Commerce Website, Inc. (“the Company”) is a New York based corporation that will sell widgets through its online platform (www.mysite.com) to customers. The Company was founded in 2009 by John Doe.

1.1 Products and Services

The Company, through its website, will retail widgets. At this time, the Founder has sourced the web development firm and wholesaler that will develop the website and provide the business with its inventory. The Company expects to generate gross margins of 50% to 60% from each sale. The pricing point for widgets is approximately $5 to $25, depending on the size of the item. The E-Commerce Website will use a high impact marketing campaign that will drive a tremendous amount of traffic to the website. These marketing strategies will be outlined in the fifth section of the business plan. The third section of the business plan will further describe the services offered by the E-Commerce Website.

1.2 The Financing

Mr. Doe is seeking to raise $100,000 from as a bank loan. The interest rate and loan agreement are to be further discussed during negotiation. This business plan assumes that the business will receive a 10 year loan with a 9% fixed interest rate.

1.3 Mission Statement

The E-Commerce Website’s mission is to provide a diverse selection of widgets to the general public from its online platform, www.mysite.com.

1.4 Mangement Team

The Company was founded by John Doe. Mr. Doe has more than 10 years of experience in the online sales industry. Through his expertise, he will be able to bring the operations of the business to profitability within its first year of operations.

1.5 Sales Forecasts

Mr. Doe expects a strong rate of growth at the start of operations. Below are the expected financials over the next three years.

1.6 Expansion Plan

The Founder expects that the business will aggressively expand during the first three years of operation. Mr. Doe intends to implement marketing campaigns that will effectively target individuals searching to buy widgets on an online basis.

2.0 Company and Financing Summary

2.1 Registered Name and Corporate Structure

E-Commerce Website, Inc. The Company is registered as a corporation in the State of New York.

2.2 Required Funds

At this time, the E-Commerce Website requires $100,000 of debt funds. Below is a breakdown of how these funds will be used:

2.3 Investor Equity

Mr. Doe is not seeking an investment from a third party at this time.

2.4 Management Equity

John Doe owns 100% of the E-Commerce Website, Inc.

2.5 Exit Strategy

If the business is very successful, Mr. Doe may seek to sell the business to a third party for a significant earnings multiple. Most likely, the Company will hire a qualified business broker to sell the business on behalf of the E-Commerce Website. Based on historical numbers, the business could fetch a sales premium of up to 4 to 6 times earnings.

3.0 Products and Services

Below is a description of the products offered by the E-Commerce Website.

3.1 Online Sales of Widgets

The Company will actively sell and trade widgets to its retail customers via its website, www.mysite.com. Management will use direct wholesalers that will provide the business with the widget merchandise. All widget sold will always be of the highest retail quality. The business will carry several brands of widgets. Management anticipates that the Company will be able to mark-up its purchased inventory 100% over its actual cost. This is an unusually high margin for a widget merchandise business. The key to the success of the business will depend on Management’s ability to create a stable brand that attracts a younger audience with the financial means to purchase E-Commerce Website Widgets.

3.2 Delivery and Handling Fees

The secondary source of revenue for the business will come from the delivery and handling fees associated with each order. The Company anticipates that this segment of the business will generate margins of 20% on each dollar of shipping revenue generated.

4.0 Strategic and Market Analysis

4.1 Economic Outlook

This section of the analysis will detail the economic climate, the e-commerce industry, the customer profile, and the competition that the business will face as it progresses through its business operations. Currently, the economic market condition in the United States is in recession. This slowdown in the economy has also greatly impacted real estate sales, which has halted to historical lows. Many economists expect that this recession will continue until mid-2009, at which point the economy will begin a prolonged recovery period. However, Widgets are continually in strong demand, and the E-Commerce Website will be able to maintain profitable operations despite deleterious changes in the economy.

4.2 Industry Analysis

Online retailers are expected to generate $115 billion dollars this year. The United States Economic Census indicates that over the next five years, 60% of the businesses in the United States will have an internet presence. In early 2008, industry reports estimate that 210 million people will have access to the internet with approximately 65% of these people having direct high speed internet access. Management expects that the e-commerce industry will grow steadily as more people obtain high speed internet access. By 2010, e-commerce transactions will reach $250 billion.

4.3 Customer Profile

In this section of the analysis, you should describe the type of customer you are seeking to acquire. These traits include income size, type of business/occupation; how far away from your business is to your customer, and what the customer is looking for. In this section, you can also put demographic information about your target market including population size, income demographics, level of education, etc.

4.4 Competitive Analysis

This is one of the sections of the business plan that you must write completely on your own. The key to writing a strong competitive analysis is that you do your research on the local competition. Find out who your competitors are by searching online directories and searching in your local Yellow Pages. If there are a number of competitors in the same industry (meaning that it is not feasible to describe each one) then showcase the number of businesses that compete with you, and why your business will provide customers with service/products that are of better quality or less expensive than your competition.

5.0 Marketing Plan

The E-Commerce Website intends to maintain an extensive marketing campaign that will ensure maximum visibility for the business in its targeted market. Below is an overview of the marketing strategies and objectives of the E-Commerce Website.

5.1 Marketing Objectives

• • Develop an expansive online presence through the use of pay per click marketing and search engine optimization.

• • Establish relationships with wholesalers in the Widget market.

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5.2 Marketing Strategies

Mr. Doe intends to use a high impact marketing campaign that will generate a substantial amount of traffic to www.mysite.com. These strategies include the use of search engine optimization and pay per click marketing. The Company’s web development firm will place large amounts of linking text on the Company’s website. For instance, when a person does a Google search for Widgets, the Company will appear on the first page of the search. This strategy is technically complicated, and the Company will use a search engine optimization firm to develop the Company’s visibility on a non-paid basis. Management expects that a SEO firm will place large amounts of linking data and text specific keywords into the business’s website, which will allow the Company to appear more frequently among search engines. A majority of web portal and search engine companies use very complicated algorithms to determine a website’s relevance in relation to a specific keyword. SEO firms place text and tags on the website to increase the rank of a specific website. Additionally, the E-Commerce Website will use several pay methods for increasing the Company’s visibility. This strategy is expensive, but the results can be phenomenal if this marketing strategy is properly executed. These advertisements appear along the border and side of a website, and each time a person clicks on the website, a small fee ranging from fifty cents to one dollar is charged to the Company’s account.

5.3 Pricing

In this section, describe the pricing of your services and products. You should provide as much information as possible about your pricing as possible in this section. However, if you have hundreds of items, condense your product list categorically. This section of the business plan should not span more than 1 page.

6.0 Organizational Plan and Personnel Summary

6.1 Corporate Organization

6.2 Organizational Budget

In this section of the business plan, you should write a two to four paragraph biography about your work experience, your education, and your skill set. For each owner or key employee, you should provide a brief biography in this section.

7.0 Financial Plan

7.1 Underlying Assumptions

• • The E-Commerce Website will have an annual revenue growth rate of 16% per year.

• • The Owner will acquire $100,000 of debt funds to develop the business.

• • The loan will have a 10 year term with a 9% interest rate.

7.2 Sensitivity Analysis

In the event of an economic downturn, the business may have a decline in its revenues. Widgets are a luxury item, and as such, an economic recession may cause customers to have less discretionary income. However, the low operating costs and high gross margins generated from sales will ensure that the business can remain profitable despite substantial declines in revenue.

7.3 Source of Funds

7.4 General Assumptions

7.5 Profit and Loss Statements 

7.6 Cash Flow Analysis

7.7 Balance Sheet

7.8 General Assumptions

7.9 Business Ratios

Expanded Profit and Loss Statements

Expanded Cash Flow Analysis