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 $400,000 for the development of a fishery while showcasing the expected financials and operations over the next three years. Fishery Inc. (“the Company”) is a New York based corporation that will produce and sell a variety of fish to seafood distributors. The Company was founded by John Doe.

1.1 Products and Services

The Fishery will produce a number of types of fish on a yearly basis depending on the demand for seafood products. Mr. Doe anticipates that the Fishery will encompass 15 to 20 acres of arable land that can be used for the Company’s large scale fishery. At the onset of operations, the Fishery will have approximately 4 people to assist with the day to day operations of the fishery. The third section of the business plan will further describe the services offered by the Fishery.

1.2 The Financing

Mr. Doe is seeking to raise $400,000 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. The financing will be used for the following: • Development of the Company’s Fishery location. • Financing for the first six months of operation. • Capital to purchase FF&E and equipment associated with the Company’s operations. Mr. Doe will contribute $100,000 to the venture.

1.3 Mission Statement

The Fisher’s mission is to provide its buyers with the freshest quality fish available while concurrently using economically viable and ecologically sustainable practices.

1.4 Mangement Team

The Company was founded by John Doe. Mr. Doe has more than 10 years of experience in the fishery 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 seafood buyers within the target market.

2.0 Company and Financing Summary

2.1 Registered Name and Corporate Structure

Fishery, Inc. The Company is registered as a corporation in the State of New York.

2.2 Required Funds

At this time, the Fishery requires $400,000 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 Fishery, 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 Fishery. Based on historical numbers, the business could fetch a sales premium of up to 3 to 5 times the previous year’s net earnings.

3.0 Products and Services

As stated in the executive summary, Mr. Doe intends to develop the Fishery as a multi-fish producing property that will spawn, grow, and distribute its fish to seafood wholesalers throughout the target market. Mr. Doe has already sourced the potential land and the equipment that will be used for the Fishery’s operations. Additionally, it should be noted that Mr. Doe may join a fishery coop that will assist with the distribution and sale of the Fishery’s seafood and fish.

4.0 Strategic and Market Analysis

4.1 Economic Outlook

This section of the analysis will detail the economic climate, the fishery 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 through 2011, at which point the economy will begin a prolonged recovery period. However, this should have a minimal impact on the Fishery’s ability to generate revenues as much of its produced fish will be geared towards popular fish that are constantly in demand regardless of the general economic climate.

4.2 Industry Analysis

Each year, the industry generates in excess of $50 billion dollars per year from retail fish sales. These sales figures also include the receipts generated by restaurants that specialize in the sale of fish seafood. Among importers and distributors, approximately $17 billion dollars is recognized annually among market agents. The industry also employs almost 50,000 people, and provides annual payrolls reaching $3 billion. The growth of the industry is expected to continue as more Americans are seeking to add fish and other seafood products to their diets for both the taste and health benefits associated with seafood. One of the most common trends in the fishery industry is that newer technologies are actually increasing the net profit margins of the business while concurrently lessening the ecological impact of fisheries on the environment.

4.3 Customer Profile

It is extremely difficult to determine the customer profile of people that will acquire the fish produced by the Fishery, Inc. The Company intends to do business with farmer’s markets, fishery coops, and fish/seafood wholesalers that will acquire the Company’s inventories of fish.

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 Fishery 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 Fishery.

5.1 Marketing Objectives

• • Develop relationships with major groceries and fish/seafood wholesalers that will acquire bulk inventories from the Fishery.

• • Develop ongoing purchase order relationships with coops throughout the target market.

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5.2 Marketing Strategies

The Fishery’s marketing operations will be minimal as once the Company solidifies ongoing relationships with fishery coops and wholesalers, very little marketing will be required to maintain these relationships. At the onset of operations, Mr. Doe intends to aggressively develop relationships with local and regional fishery coops that will assist the Fishery in maintaining stringent pricing (through forward and futures contracts) so that the Fishery always has a predictable stream of income. However, in the future, Mr. Doe may seek to brand certain fish items that are produced on the Fishery. In this instance, the Company will hire a marketing/advertising firm to properly position the Company’s image and brand so that it can directly sell packaged fish to major grocers, supermarkets, farmer’s markets, and select retailers.

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 Fishery will have an annual revenue growth rate of 10% per year.

• • The Owner will acquire $400,000 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 should not have a major decline in its revenues. The Fishery intends to produce in demand fish that will be readily purchased by wholesalers, grocers, coops, and other organizations that deal in fish and seafood. As such, the Company will be able to remain profitable and cash flow positive in any economic climate.

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