Sunday, April 27, 2014


A4 Size Paper from Jambo Rolls
Paper is one of the most important and widely used consumer materials with an endless ability to be transformed. It is writing paper, paper used for printing. Paper is often characterized by weight. In the United States, the weight assigned to a paper is the weight of a ream, 500 sheets, of varying "basic sizes", before the paper is cut into the size it is sold to end customers. Paper can be classified as: Printing papers, Wrapping papers, Writing paper, Blotting papers, Drawing papers, Handmade papers.The largest standard size paper is A0 (A zero), measuring one square meter (approx. 1189x841 mm). Two sheets of A1, placed upright side by side fit exactly into one sheet of A0 laid on its side. Similarly, two sheets of A2 fit into one sheet of A1 and so forth. Common sizes used in the office and the home are A4 and A3.Due to high demand of A4 Size Paper everywhere around Schools, Offices, Colleges, the entrepreneur enter in to this field will be successful.
                Maize Processing Unit
(Starch, Glucose, Germs, Fibres, Gluten & Steep Water)
The maize also called "Corn or Indian Corn" is widely cultivated in India; Maize ranks high among the four or five principal cereal crops of the world. Maize is utilized in more diversified ways than any other cereal. The grain is quite nutritious, with a high percentage of easily digested carbohydrates, fats and proteins and hardly and deleterious substances. In many underdeveloped or developing countries, including India, maize is an important food crop. Besides food, maize and maize products have numerous industrial uses such as in adhesives, explosives and soaps, and for textile sizing, etc. Maize starch is employed in the manufacture of asbestos, ceramics, dyes, plastics, oil cloth, linoleum, paper, and paper boards, and in textiles, mining, deep oil drilling, and cosmetic and pharmaceutical industries.The average yield in India is 1.68 MT/ha. About 4 million MT is used as animal feed, about 5 million MT is dry milled and 2 million MT is wet milled. Maize is cultivated in almost all states in the country. The crop is grown both in Kharif and Rabi seasons in India with a share of 85 per cent and 15 per cent, respectively.
Copper Sulphate from Metallic Scrap Copper
Copper is one of the most widespread materials used in the production of electronic equipment and found in multiple appliances as, e.g. circuit boards. Copper recycling has lately become more important due to the depletion of the earth copper resources and thus the increased price for raw material. The development of recycling processes is an important issue to effectively utilize the copper resources, minimize the adverse effects of hazardous materials and protect our environment. The processes used for copper recycling depend on the copper content in the raw material, its size distribution, and other constituents.Today, annual consumption of copper is more than nine times as large. The annual usage of copper throughout the world has doubled since the 1970’s to reach almost 20 million tons in 2005, of which 70% was produced by mining and 30% by recycling.
Glass Bottles using Broken Glass
(Recycling of Glass)
Glass is an amorphous (non-crystalline) solid material that exhibits a glass transition, which is the reversible transition in amorphous materials (or in amorphous regions within semi crystalline materials) from a hard and relatively brittle state into a molten or rubber-like state. Glasses are typically brittle and can be optically transparent. Millions of glass bottles are created worldwide every day. It is a highly mechanized process, and bottles in use today are no longer hand blown as they were in the past. A glass bottle is 100% recyclable with many new bottles containing glass which was created over 20 years ago. Less energy is used in recycling a glass bottle than creating the glass from raw materials, helping the environment.Worldwide, the alcohol industry is the largest user of glass packaging, which accounts for as much as 76% of all packaging of global spirits. According to Euro monitor nearly 200 billion units of glass sold in alcoholic drinks in 2012. The Indian Economy has been enjoying sustained growth for more than a decade, averaging of over 7% since 1997. Even during the 2008 global meltdown, the country had shown remarkable resilience.
Pesticides/Insecticides (Technical Grade)
Pesticides are substances meant for attracting, seducing, destroying or mitigating any pest. They are a class of biocide. The most common use of pesticides is as plant protection products, which in general protect plants from damaging influences such as weeds, diseases or insects. Pesticides can be classified by target organism, chemical structure and physical state. Biopesticides include microbial pesticides and biochemical pesticides. Plant-derived pesticides, or "botanicals", have been developing quickly. These include the pyrethroids, rotenoids, nicotinoids, and a fourth group that includes strychnine and scilliroside. The global market for crop protection chemicals, in terms of active ingredient volume was estimated at 2,075.5 KT in 2011 and is expected to reach 3,136.1 KT by 2018, growing at a CAGR of 3.2% from 2013 to 2018. India produces 90,000 metric tons of pesticides a year. India’s pesticide industry is the largest in Asia and the twelth largest in the world. With over 400 million acres under cultivation and over 60% of the country’s population dependent on agriculture, the country’s economy depends on the agricultural sector to a substantial extent.
Corn Flakes
Corn flakes being one of most nutritious foods and is consumed as breakfast food not only in India but-elsewhere in the world.Basically, it is prepared from maize; this is the main raw material. Flavours, like sugar or salt are also added. Maize, the main raw material, is itself a corn grain. Corn flakes have very good taste. Though several other breakfast cereals are also available in the market but they are still to gain popularity. Besides the good taste, crispy nature, corn flakes are also popular because of their friable texture, blend flavour and above all the ease with which it can be prepared for consumption. Corn Flakes can be manufactured either of the two white or yellow corns. The only difference is that flake formed using yellow corn is more dark in colour. From raw corn flakes (before roasting) corn syrup can be prepared. It is prepared by removing starch from maize by soaking and treating with chemicals. It is also being used by liquor industry for manufacture of beer etc.It all began with Kellogg's entry in India with its cornflakes. It was marketed by the establishment of a 100% subsidiary as Kellogg's India, being the parent company's 30th manufacturing facility, at a total investment of USD 30 mn at Taloja, near Mumbai (Maharashtra). India is considered as one of the largest market for breakfast cereals worldwide. The company was aiming at a business volume of Rs 2 bn in three years' time.When Kellogg's  entered India, the per capita consumption of breakfast cereals was a low 2 gm per family per annum which increased to 4.5 gm against 5 kg per annum globally.
Caramel Colour
Caramel is a well-known Pure and simple, brown means flavor and staple commercial material. It is an amorphous, dark-brown material that has been produced by the carefully controlled heat treatment of saccharine materials such as dextrose, invert sugar, lactose, malt syrup, molasses, sucrose, starch hydrolysates and fractions thereof, etc. The heavy-bodied, almost black syrup contains colour, components that impart the amber shade found in carbonated beverages, pharmaceutical and flavoring extracts, candies, soups, bakery products, and numerous other foods. Caramelization, the act of breaking up the natural sugar molecules in food to create a different flavor compound, makes everything taste better. Caramelization is one of the most important types of browning processes in foods. It is the interaction between sugar and sugar.The global food colours market was worth an estimated $1.45 billion in 2009, relays an August 2010 market report, "The Global Market for Food Colours," by Leatherhead Food Research. World usage of food colours is currently about 40,000-50,000 tons. From 2005-2009, the global market for natural colours increased almost 35% in value, with much future growth expected to come from natural colours and colouring foodstuffs. Foods account for some 67% of the food colouring global market, followed by soft drinks (28%) and alcoholic beverages (5%).
Instant Tea
Instant tea is a form of tea that is derived from brewed tea. Its dried granulated form can be made into a beverage with the addition of cold or hot water. Instant tea is typically lower in antioxidants than traditional tea and comes in a variety of flavors. Instant tea may be formulated for use in making either hot or iced tea. It quickly dissolves in water.The basic process for manufacture of instant tea as a soluble powder from dry tea leaf includes extraction, concentration and drying.Instant tea comes in many flavors. Popular instant tea flavors include lemon, cinnamon, fruit juice and other flavorings. Green, black, chai, white and herbal teas are all available in instant form. There are four main types of tea which are, white, green, oolong, and black, all which are born from the same species of plant. India is both the world’s largest producer of tea and the world’s thirstiest consumer. Although India produces almost 30% of the world’s tea it exports less than 20% of the world’s supply. The industry has also been a major foreign exchange earner besides providing billions of hot cups of invigorating drink to the people of India.
Toffee, Candy & Milk Chocolate
Chocolate is a key ingredient in many foods such as milk shakes, candy bars, cookies and cereals.Chocolate, candy and gum are some of people’s best-loved treats. These sweets have been enjoyed around the world for thousands of years. Early man developed a taste for sweets by digging honey from beehives. The confectionery category includes products such as chocolate, gum, sugar confectionery, gummies/jellies, hard candy, toffee and fudge. The main reasons for purchasing are convenience, passive health, age, choice and pleasure.The toffee and candy are used after meal, dinners as smooth refresher. It drives away bad smell from mouth and refreshes the breath. Sometimes it causes good sensation while chewing. The chocolates market is estimated at around 33,000 tonnes valued at approximately Rs 8.0 bn. The counter market is estimated at about nearly Rs 2.5 to 3.5 bn and the rest is made up of chocolate bars. The demand for chocolates in India has been on the upswing in keeping with the economic boom leading to a rise in consumer spending. While the big players like Cadbury and Nestle are marching ahead, smaller, local and neighborhood chocolate makers are expanding their reach and going national. Among these, Sweet World, Candico and Chocolatiers have taken full advantage of the increasing number of malls and multiplexes to advance their products.
Plastic Granules from Plastic Waste
Plastic is a very common material that is now widely used by everybody in this world. Plastic is used in many ways as it is light weight and compact. Plastic can be recycled and new products can be formed from waste plastic. Though all types of plastic cannot be recycled a considerable portion can be recycled so that the environment is protected. Plastic recycling involves the process of recovering scrap plastics and these waste plastics are then reprocessed to form new materials that may be different from their original state.Plastics are divided into two distinct groups: thermoplastics and thermosets. The majority of plastics are thermoplastic, meaning that once the plastic is formed it can be heated and reformed repeatedly. The other group, the thermosets, cannot be remelted. Once these plastics are formed, reheating will cause the material to decompose rather than melt. In order to be reprocessed, plastics waste has to be ground to a particle size close to that of virgin resin. The size reduction in most cases is accomplished with the use of a granulator. The per capita consumption of polymers in India is around 5.5 kg. The average per capita consumption of polymers is estimated 90 kg for the US and 22 kg for China. While the global average consumption is estimated at 17 kg per person. The demand estimates for all polymers including engineering polymers was envisaged to increase from 7.5 mn tonne in 2006-07 and to 9.5 mn tonne in 2009-10. It was projected at close to 14 mn tonnes in 2014-15. India is one of the fastest growing polymer market in the world, and is expected to become the world's third largest polymers market, with a consumption of 12.5 mn tonne, after the US and China, by 2010.
Refining of Crude Soyabean and Palm Oil
Soybean oil is very popular with rich value of Omega 3 and Omega 6. Those fatty acids regulate lipid and cholesterol metabolism and prevent narrowing in artery veins. In addition its high content of vitamin B makes digestion easier and by this feature it prevents chronicle digestion problem and constipation. Soybean seed contains about 19% oil. To extract soybean oil from seed, the soybeans are cracked, adjusted for moisture content, rolled into flakes and solvent-extracted with commercial hexane. The oil is then refined, blended for different applications, and sometimes hydrogenated.Palm oil is an edible vegetable oil derived from the mesocarp (reddish pulp) of the fruit of the oil palms, primarily the African oil palm Elaeisguineensis, and to a lesser extent from the American oil palm Elaeisoleifera and the maripa palm Attaleamaripa. Palm oils consist mainly of glycerides and, like other oils in their crude form may consist of small and variable portions of non-glyceride components as well.

Sunday, February 23, 2014


The target market is composed of the persons or organizations that'll participate in buying and selling transactions involving your product/service. This target market is found in a well defined geographical zone, e.g. the stationeries market. Target markets are not always uniform in terms of the customers' requirements. Any business starts with idea, the idea will grow until yield product which will reveal your mind to other people. Just because you have a great idea doesn’t mean your startup will succeed, and there’s a simple reason for this: concepts don’t make companies. Startups depend on everything from the capabilities of their founders to the depth of their pockets.
The following are an ideas to start:

Onion Powder

Onion powder is made by dehydrating onions and grinding them down to a fine powder. It is a common seasoning and a component of spice mix. Onion powder replaces the taste of onions when used in recipes. The powder can be combined with other herbs and spices to create rubs, spice mixes, drinks and dressings. Applications include pasta, pizza, and grilled chicken.

Yeast from Molasses

Yeasts are unicellular, eukaryotic and polyphyletic organisms classified in the kingdom fungi. Fermentation of sugars by yeast is the oldest application in the making of bread, beer and wine. Apart from the production of bread and beverages, ethanol production is vital for different applications. Yeasts are also involved in single cell protein production.

Cashew Nut Kernels and Shell Liquid

Cashew tree bears numerous, edible, pear shaped false fruits or “accessory fruits'” called "cashew apples. Botanically, this “true fruit” is a drupe, featuring hard outer shell enclosing a single edible seed or the “cashew nut.” India is the largest producer, consumer and exporter of cashew nut. It ranks 2nd among horticultural commodities contributing 1.5 per cent of the total export earning of the country.

Packaged Drinking Water

As the name implies, the mineral water is the purified water fortified with requisite amounts of minerals. It is either obtained from natural resources like spring and drilled wells or it is fortified artificially by blending and treating with mineral salts. Bottled water is the most dynamic market of all the food and beverage industry. Its major use is in five star Hotels and Hospitals where good quality pure water is required for potable purposes. It is marketed at places and regions where hygienic drinking water is not freely available. The foreigners consumed it in large quantity for drinking purpose.

Bread Plant

Bread is most consumable wheat-based bakery product. It contains high nutritive value. They are easy to digest and compact in size, therefore, its consumption is increasing day by day. Indian bakery industry is spreaded over all small scale;large scale and house hold sectors. At present there are 21 units in organizedsector and many more in small scale, cottage and house hold sectors. The manufacturing process and techniques are so simple that they can easily be adopted for production at any level.

Shoe Polish In Aerosol Filling
Shoe polish (or boot polish), is a waxy paste, cream, or liquid used to polish, shine, and waterproof leather shoes or boots to extend the footwear's life, and restore, maintain and improve their appearance. Aerosol-type polishes have been extensively used for polishing shoes, automobiles, household care, etc. Applications of Aerosol shoe polish includes: used to give instant shine any smooth leather; provide maximum protection for suede and nubuck shoes from stain and water damage; allows for quick cleaning of these materials; keeps leather soft, supple, water and stain resistant; helps prolong the life of footwear etc.

Particle Board from Rice Husk

Agricultural waste or residue is made up of organic compounds from organic sources such as rice straw, oil palm empty fruit bunch, sugar cane bagasse, coconut shell, and others. Rice husk from paddy (Oryza sativa) is one example of alternative material that can be potentially used for making particle board. Rice husks are processed into rectangular shaped particle boards. This new industry initially was started primarily with a view to utilize wood waste.

Banana Products (Banana Powder, Banana Puree and Banana Concentrate)

          Banana is the largest produced and maximum consumed amongst the fruits cultivated in the world. India ranks first amongst the banana cultivating countries of the world. Banana when ripened is a soft and delicate fruit with a post-harvest shelf life of 5- 10 days. This makes it prone to injury during transport. Banana being a ‘common man’s fruit’ is consumed in following forms: Banana Powder, Banana Puree, Banana Juice concentrate etc. Banana powder, because of its high concentration of banana essence, has been found to be a major source of carbohydrate and calories, found to be useful as a general treatment for dyspepsia, contains compounds with demonstrable anti-MRSA activity, anti-HIV replicative activity, and following metabolic transformation by fungi, anti-leishmanicidal activity.

Textile Mill and Readymade Garments

The words fabric and cloth are used in textile assembly trades (such as tailoring and dressmaking) as synonyms for textile. The most common use of textile is for clothing and containers such as bags and baskets. They are used in carpeting, upholstered furnishings, window shades, towels, covering for tables, beds, and other flat surfaces, and in art, used in industrial and scientific processes such as filtering.

Cattle Feed

The principal feed resources for animal consumption in the country are crop residues like straws of wheat, rice and other cereals and stovers, which are very poor in feed value. Even these are in short supply. Such a situation is bound to aggravate difficulties in the feeding of better producing livestock such as cross breed for early growth, better reproduction and higher milk production. Livestock in the country, therefore, suffer widely from insufficient supply of nutrients. The unconventional agro-industrial by products and forest wastes may find a greater use as livestock feeds in coming years.

Particle Board from Bagasse

Bagasse is the waste of sugar industry. It can be used for the production of bagasse base board or solid fuels or for the production of power or for the production of Alcohol. Now we are intending to produce bagasse base board. There is gradually demand increase in wood base products. There are few manufacturers who makes board by partial use of fine particles of bagasse. This can be very safely handled and transport from one place to another place. It can be used for making different variety of furniture like, chair, table, bed etc. It can be used for making panel board, windows, doors etc.  It can be used for making partition in the room. It is used in Construction companies, school, colleges, paints, and for domestic uses.Few organized and many private organizations are engaged in the manufacturing of ply board or wood board or bagasse base board.

Sanitary Napkins

Sanitary napkins known as sanitary pads are important part of the gynecological hygiene for every woman. A woman will use an average of 10000 pieces of sanitary napkins within 30 to 40 years in her entire lifetime. Having a trusted brand of sanitary napkins has become paramount for every modern woman. Today, the global market for absorbent hygiene products is over US$ 50 bn (including wipes). In 2008, there were 96 million women in urban India and, at that time, it was projected that that number would increase by 17% to 1.2 billion women in 2013. With this predicted population growth, the sanitary napkin market could potentially be valued at as much as USD$365m in 2013, up from US$166.

Pickles (Various Types)

Pickle is a general term used for fruits or vegetables preserved in vinegar or brine, usually with spices or sugar or both. In India, the pickles are being manufactured by a number of units. There is not now-a-days much competition for these products in the market. The consumption is increasing every year. The demand of Indian pickles in foreign countries is quite high. Thus the exporters are getting high orders for good quality of products. Today a large number of branded products are in the market. There is big competition in the market, even though there is good market scope in domestic as well as in overseas markets.

Castor Oil (Extraction and Refining)

India is one of the best producers of castor seed. Castor seed oil content, it may vary from 35-40%. Production of castor oil by extraction process is economic one. There is very good market demand of castor oil in the indigenous market. There is also very good export market of the product. India is the fourth largest edible oil economy in the world valued at USD 16.5 bn (Rs 660 bn).

Disposable Plastic Syringes

It is an instrument which is used for injecting any liquid into the body of human beings or of animals. The Indian healthcare sector, including pharmaceutical, diagnostics and hospital services, is expected to more than double its revenues to Rs 2500 bn by 2014. The Indian domestic Medicare devices industry is expected to grow from Rs 60 bn to Rs 76.5 bn in four years.

Diabetic Food

Diabetic diet refers to the diet that is recommended for sufferers of diabetes mellitus. In 2010, an estimated 285 million people were living with diabetes. The number of people with diabetes in developing nations is expected to rise 69% by the year 2030 – outpacing even the ‘pessimistic scenario’ forecasts of earlier global disease models. The market opportunities for bulk, intermediate, and consumer diabetic foods are significant. The overall size of the diabetic packaged food market reached US$ 282.9. Packaged foods that are labeled as "suitable for diabetics,"

Poultry and Broiler Farming

Indian poultry sector has been growing at around 8-10% annually over the last decade with broiler meat volumes growing at more than 10% while table egg at 5-6% driven by increased domestic consumption. Domestic poultry meat production (broiler - carcass weight) is estimated to have increased from less than 1.0 million tons in 2000 to 3.4 million tons in 2012 with per capita consumption increasing from 0.8 kg to 2.8 kg p.a during same period. Table egg production is estimated to have increased from 30 billion eggs in 2000 to 66 billion eggs in 2012 with per capita egg consumption increasing from 28 to 55 eggs during that period.

Activated Carbon From Coconut Shell, Rice Husk and Saw Dust

          The Activated Carbon industry consists of more than 60 units spread countrywide, most of which are in the unorganized small-scale industrial sector. Due to its increasing demand worldwide, more and more units have expanded operations to cater mainly to the international market. The global activated carbon industry is estimated to be around 1.1 million metric ton. Demand for virgin activated carbon is expected to rise by around 10% annually through 2014, worldwide. The U.S is the largest market, which will also pace global growth based on anticipated new federal regulations mandating mercury removal at coal-fired power plants. The global activated carbon market was worth $1.8 billion in 2011 and is estimated to reach $3 billion by 2016, growing at a CAGR of 11.1% from 2011 to 2016.

Fruit Juices

(Pineapple, Banana, Orange & Guava)

Juice is a liquid that is naturally contained in fruit and vegetables. The fruit juice industry has made good progress in India. According to trade sources, the total market for fruit drinks & nectars has reportedly shown a growth rate of 10 -15% per annum in the past. The Indian market for fruit juices has reported an annual growth of 25-30%. The new sector which has potential to be explored is combination of various products like fruit and milk combination, fruit-yogurt drinks that are more natural & nutritious drinks. At international scenario, France has registered an annual growth of 20% during in past few years. Per capita consumption of fruit juice in USA is 46 L, Germany 39 L, Holland 24 L, UK19 L, Spain15 L, Japan15 L, France 12 L & Italy 8 L. These figures indicate potentiality of exporting fruit juice concentrates to European markets. Brazil is the world leader in export of citrus juice concentrates and nectars. This sector has ever-growing and never ending demand in domestic as well as foreign market. Entrepreneurs interested can well venture in this sector.

Glass Cleaner, Floor Cleaner and Toilet Cleaner

Cleaners are substances that are typically used to eliminate stains, smells, dirt, dust, and general clutter on a variety of surfaces

Buy Machine  for wire Nail Making

Nails are mostly used due to its uses. Carpenters use to fix furniture etc

Most watched startup ideas 

Saturday, December 14, 2013

A Business Plan Checklist

For many people, the experience of raising finance is a new one. The importance of the plan to this process cannot be over‑emphasised. Many opportunities presented to financiers are subsequently rejected. It is essential, therefore, that the entrepreneur prepares a quality document. The objective of this work-pack is to help you prepare just such a document by providing you with the headings which need to be covered.
The sections which follow outline the contents of the business plan. We hope that you will find the comments relevant and thought provoking and that you will be able to use these thoughts as a basis for preparation of a business plan which will adequately convey your ability to succeed.

Executive Summary
·        Why will the business succeed?
·        What do you want to start (or change)?
·        How much money is required?
·        What is the return on the investment?
·        Why is the venture a good risk?
Business Description
·        What type of business are you planning?
·        What products or services will you sell?
·        What type of opportunity is it (new, part-time, expansion, seasonal, year-round)?
·        Why does it promise to be successful?
·        What is the growth potential?
·        How is it unique?
·        Who are your potential customers?
·        How large is the market?
·        Who are your competitors?  How are their businesses positioned?
·        What market share do you anticipate?
·        How will you price the product or service?
·        What advertising and promotional strategies will you use?
Research, Design, and Development
·        Have you carefully described your design or development?
·        What technical assistance have you received?
·        What research needs do you anticipate?
·        Are the costs involved in research and design reasonable?

·        Where will the business be located?  Why?
·        What steps are required to produce your product or service?
·        What are your needs for production (e.g., facilities and equipment)?
·        Who will be your suppliers?
·        What type of transportation is available?
·        What is the supply of available labor?
·        What will it cost to produce your product or service?
*                    Who will manage the business?
*                    What qualifications do you have?
*                    How many employees will you need?
*                    How will you structure your organization?
*                    What are your plans for employee salaries, wages and benefits?
*                    What consultants or specialists will you need?  How will you use them?
*                    What legal form or ownership will you choose?  Why?
*                    What licenses and permits will you need?
Critical Risks
*          What potential problems could arise?
*           How likely are they?
*          How do you plan to manage these potential problems?
*    What is your total estimated business income for the first year?  Monthly  for the first year?  Quarterly for the second and third years?
*       What will it cost you to open the business?
*      What will your personal monthly financial needs be?
*    What sales volume will you need in order to make a profit during the first three   years?
*    What will be the break-even point?
*                    What will be your projected assets, liabilities, and net worth on the day before  you expect to open?
*                    What are your total financial needs?
*                    What are your potential funding sources?  How will you spend it?
*                    How will the loans be secured?
 Milestone Schedule

*                    What timing have you projected for this project?

*                    How have you set your objectives?

*                    Have you set up your deadlines for each stage of your venture?
*                    Is there a relationship between events in this venture?
*   Have you included all important documents, drawings, agreements, and references?

(Opening Day)
 Current Assets
               Cash                                                                                                       ________
                Accounts Receivable                                                                         ________
                Inventory                                                                                             ________
                Supplies                                                                                                ________
                Other Currents                                                                   ________
Long‑term Assets                                                                                                                              
  Land                                                                                              ________            
Equipment                                                                                                                                              Machinery                                                                                       ________
                Other Long‑term Assets                                                ________
  TOTAL ASSETS                                                                          ________
Current Liabilities

                Accounts Payable                                                                               ________

                Salaries Payable                                                                                ________

                Taxes Payable                                                                                    ________
                Interest Payable                                                                 ________
                Notes Payable                                                                                     ________
                Other Current Liabilities                                                 ________
Long‑term Liabilities                                                                                                                      
              Notes Payable                                                                                     ________
                Mortgage Notes Payable                                                  ________
                Other Long‑term Liabilities                                                           ________
                                TOTAL LIABILITIES                     ________
Owner's Net Worth                                                                                                           
                Invested                                                                                                ________
                Retained Earnings                                                                             ________
                Drawing                                                                                                ________

TOTAL NET WORTH                                                              ________                                            
TOTAL LIABILITIES AND NET WORTH                               ________



 Sources and Uses Statement

 Sources of Financing                                                                                                                                                                       
Investment of cash by owner #1                                                 $________________
Investment of cash by owner #2                                                 $________________
Investment of non-cash assets by owner #1                               $________________
Investment of non-cash assets by owner #2                             $________________
Bank loans to business (short term)                                                                                                 $________________
Bank loans to business (long term)                                                                                  $________________
Bank loans (personal)                                                                $________________
Small Business Administration loans                                                $________________
Other: ________________________________
              Total Sources of Financing                                               $________________
Uses of Financing                                                                                                                                                                              
Land                                                                                                         $________________
Buildings                                                                                                $________________
Equipment                                                                                             $________________
Remodeling                                                                                             $________________
Initial inventory                                                                                 $________________
Working capital to pay operating expenses                                             $________________

Non-cash assets contributed by owners                                                $________________
(Use same amount as in Sources)                                                                                   
Other assets   :                                                             $______________
Total Uses of Financing                                            $_____________

Sources and Uses Statement
Sources of Financing                                                                                                                                                                       
Investment of cash by owner #1                                                      $________________
Investment of cash by owner #2                                                      $________________
Investment of non-cash assets by owner #1                               $________________
Investment of non-cash assets by owner #2                               $________________
Bank loans to business (short term)                                            $________________
Bank loans to business (long term)                                                $________________
Bank loans (personal)                                                                  $________________
Small Business Administration loans                                                $________________
Other:                                                                                        $___________
              Total Sources of Financing                                         $________________

Uses of Financing                                                                                                                                                                              
Land                                                                                        $________________
Buildings                                                                             $________________
Equipment                                                                          $________________
Remodeling                                                                     $________________
Initial inventory                                                                    $________________
Working capital to pay operating expenses                      $________________

Non-cash assets contributed by owners                                 $________________
(Use same amount as in Sources)                                                                                   
Other assets:                                                              $ ______________
              Total Uses of Financing                                                $___________

Projected Income Statement: Year 1 (By Month)


<Less Cost of Goods Sold>

Gross Profit Margin

Operating Expenses


Payroll Taxes

Car/Delivery (.31)






Property Tax







Total Operating Expenses

Net Profit (or loss)

Before Income Taxes