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BUSINESS PLAN 
             [Your Name]
            [DATE] 
            TABLE OF CONTENTS
              Executive Summary..........................
              Management..................................
              [Company] History...........................
              [Product/Service] Description.............
              Objectives..................................
              Competitors................................
              Competitive Advantages...................
              Innovation..................................
              Pricing..................................
              Specific Markets..................................
              Growth Strategy....................................
              Market Size and Share..........................
              Targeting New Markets.......................
              Location.................................. 
              Manufacturing Plan................................
              Research & Development......................
              Historical Financial Data........................
              Proforma Financial Data.........................
              Proforma Balance Sheet.........................
              Cost Control..................................
              Effects of Loan or Investment...............
              Attachments..................................
             
            Executive Summary
            [My Company] was formed as a [proprietorship, partnership,
            corporation] in [Month, Year] in [City, State], by [John Doe] in
            response to the following market conditions:
            [Startup, growth] opportunities exist in [Product/Service].
            The need for use of efficient distribution and financial methods in
            these overlooked markets.
            [I/We] have several customers who are willing to place large
            [orders,contracts] within the next three months.
            Several other prospective [customers/clients] have expressed serious
            interest in doing business within six months.
            [I/We] previously owned a company that was active in the widget
            markets.  Over the past few years I spent much time studying ways to
            improve overall performance and increase profits.  This plan is a
            result of that study.
            The basic components of this plan are:
            <Product>
            1. Competitive pricing
            2. Expand the markets
            3. Increased advertising
            4. Lower our unit costs,
            5. Thereby achieving higher profits. 
            <Service>
            1. Sign contracts
            2. Increased advertising
            3. Increase office staff
             
            To this end, [I/we] need investment from private individuals and/or
            companies.  A total of $XXX is being raised which will be used to
            finance working capital, plant and equipment.  The company will be
            incorporated and common stock issued to investors.  The company will
            be run as a [proprietorship, partnership, corporation].
            Financial Goals
                    Year 1 Year 2 Year 3
                  Sales $1,000,000 $1,400,000 $1,600,000
                  Net Income $25,000 $250,000 $375,000
                  Earnings per share .01 .12 .14

                         
            Management
            [Name]
            [Title]
            [Experience]
            Sales growth from zero to $1,000,000 in five years.
            Led market in market share - 30%.
            Formulated advertising budgets & campaigns.
            Pioneered new distribution channels.
            Established national sales force.
            Established national repair & service centers.
            Brought new and innovative products to the market.    
            Designed point-of-purchase materials.
            [Education}
            University of Boston
            Boston, MA
            B.A. - Computer Sciences
             
            Short Biographies
            President
            John Q. Doe, Chief Executive Officer, and Director since February
            1988 and President since January 1990.  Mr.  Doe was the founder and
            Chief Executive Officer of the original operating company known as
            Random Excess, Inc.  He has had experience in the widget field with
            his own firm, John Doe Co., of Oshkosh (Wisconsin), from 1980 to
            1987.  This firm was sold to FatCat Widgets, Inc.  in 1987.  Mr. 
            Doe has held a sales position with U S West Inc.  since then.  Mr. 
            Doe graduated from the University of Colorado in 1981 with a
            bachelor’s degree in philosophy.  Mr.  Doe is employed by the
            Company on a full-time basis.
            Chief Financial Officer
            Richard Roe, CPA, Chief Financial Officer, Treasurer and Director. 
            Mr.  Roe joined Random Excess, Inc.  in December 1988 as a corporate
            controller and was named Chief Financial Officer in July 1989.  Mr. 
            Roe was appointed Treasurer and a Director in July 1990.  He served
            as corporate controller of XYZ Lumber Company from August 1981 to
            December 1988.  Mr.  Roe graduated from Metropolitan State College
            in Denver, Colorado in 1976 with a bachelor’s degree in accounting. 
            Since 1979 he has been licensed as a Certified Public Accountant in
            the State of Colorado and is a member of the American Institute of
            Certified Public Accountants.  Mr.  Roe is employed by the Company
            on a full-time basis.
            Vice President
            Joe Dokes, Secretary, Executive Vice President and Director.  Mr.
            Dokes supervises the company’s sales and implementations to its
            largest corporate customers, including US West, Great West Life
            Insurance, etc.  Mr. Dokes has served as Secretary and a Director
            since February 1988, Vice President of Operations from February 1988
            to December 1988, President of the Company from December 1988 to
            January 1990 and Vice President of Contract Sales since January
            1990.  He has been involved since 1986 with the private company
            originally formed as Random Excess, Inc., where his duties included
            managing the purchasing and sales department.  From November 1984 to
            May 1986 he managed the sales department at Integrated Management
            Systems, Inc.  From June 1983 to October 1984 he was a buyer for
            Adams County, Colorado, School District 50.  Mr.  Dokes attended
            Oklahoma State University in 1980 and 1981 and Trinidad State
            College in Trinidad, Colorado in 1981 and 1982.  He did not receive
            a degree from either university.  Mr.  Dokes is employed by the
            Company on a full-time basis.
            Vice President
            Sally Seaugh Vice President of Marketing.  Ms.  Seaugh has been the
            Company’s Vice President of Marketing since November 1988.  From
            September 1986 to October 1988 she was involved in business
            development and marketing for United Bank of Aurora (Colorado). 
            From February 1980 to August 1986 she was self-employed as an
            independent oil and gas landman.  Ms.  Seaugh graduated from the
            University of Denver in 1974 with a bachelor’s degree in Education. 
            She is employed by the Company on a full-time basis.

            Responsibilities
            John Q. Doe, Chief Executive Officer - Responsible for entire
            operation.  Oversees management function and all other executives.
            Salary - $60,000.
            Richard Roe, CPA, Chief Financial Officer - Responsible for
            financial operations, accounts payable, accounts receivable,
            interaction with auditors, investor relations.  Salary - $40,000
            Joe Dokes, Executive Vice President - Responsible primarily for
            sales and sales support.
            Salary - $35,000
            Sally Seaugh Vice President of Marketing.  Responsible for
            marketing, human resources and training. 
            Salary - $30,000.
            Total Executive Compensation
            $165,000.
            [This Page is for an Organization Chart, if applicable.] 
            [Company] History
            In [Month, Year] [I/we] formed a [Product/Service] company that
            manufactured start-of-the-art complex widgetry.  This company was
            located in [City, State].  [I/we] formed this company as a
            [proprietorship, partnership, corporation].  Others involved in this
            business were: [names].
            The main goal of this company was to [explain].
            Financing was arranged through [home equity loans, savings, venture
            capital, friends and family, etc.] [Explain terms, rates and ability
            to repay.]
            This venture was very successful in generating and increasing sales,
            but was not effective in achieving profitability.  The main reason
            for this was the amount of actual overhead experienced.  This
            overhead was not initially anticipated by me at the beginning of
            that venture.  Items including credit checking, warranty program
            management, extensive travel, maintaining warehouse stock and the
            management and expense of a national sales force were expenses not
            originally forecast or expected.  With this level of overhead, it
            was mathematically impossible to achieve profitability.
            or:
            This venture was very successful in generating and increasing sales,
            as well as effective in achieving profitability.  This was due to
            the following reasons:
            [Reason 1}
            [Reason 2]
            [Reason 3] 
            OR:
            [My Company] was recently conceived and is still in the beginning
            stages.  To this point the following has been accomplished:
            §  A team consisting of [list names and primary responsibility. (i.e
            John Doe - Marketing) has been formed.
            §  A prospective [customer/client] list has been drawn up.
            §  Strategy meetings are being held every Monday, Wednesday and
            Friday evenings.
            §  This business plan has been drawn up. 
            [Now link the past to the future - why a former company will lead
            into this one or how your present company and history will lead into
            any future plans.  A short paragraph should suffice.]
            We are now able to adequately address the markets we have targeted. 
            We have adjusted our staff, redirected our advertising and sales
            force, and have added the products necessary to meet the needs and
            expectations of our customers. 
            [Product/Service] Description
            [My Company] intends to offer [product/service].  This
            [product/service] offers our customers the best possible solution as
            it:
            <Product>
            §  Offers the lowest price on the market
            §  Is the most technically advanced
            §  Offers more useful features
            §  Saves them time and money
            §  Offers our users better value per dollar spent
            §  Provides an alternative way to achieve a similar task.
            <Service>
            §  Provides a service which is not presently available in this area.

            §  Is strengthened by a team with combined experience of XX years.
            §  Saves them time and money
            §  Provides an alternative, cost effective way for them to realize a
            similar goal. 
            We have a [copyright, service mark, trademark] or [exclusive agency,
            marketing rights] for this [product/service].  This agency will last
            until XXX at which time it may be extended for XX years or
            terminated.  This agency agreement is cancelable upon XX days
            written notice.
            <Product>
            The [product/service] has a useful life of XX years.  To distribute
            this product so that it remains usable for our customers, we must
            use the following methods of storage and transportation:
            1. Overnight delivery
            2. Cold storage
            3. Incorporate preservatives
            4. Shipment within two weeks to distributors.
            5. Specially padded boxcars.
            Even though the technology used to create this product is new, we
            expect that others will be able to substantially reproduce our
            patented results within XX years.  To remain on the leading edge of
            this product, we will need to devote approximately XX% of revenues
            toward research and development.  Also due to the fast changing
            nature of this industry, we will need to retrofit these machines
            within XX years at customer expense.  Our manufacturing plan has
            considered this.
            <Service>
            [If general service to be offered is not obvious, such as carpet
            cleaning, sales rep, lawn care, consulting, etc.  explain what
            service is.  Then give a detailed description of your particular
            service and its uniqueness.]
            Short Examples:
            1.   Our carpet cleaning machinery is state-of-the-art.
            2.   Our consulting practice will address these specialized areas:
            [list]
            3.   We will only rep these specific product lines. [list]
            Even though at this time our expertise is unique in the marketplace,
            we expect advances to be made and competitors to arise and offer
            similar services.  We will meet this challenge by:
            1. Hiring staff specialized in these new areas.
            2. Increase our continuing education and training expense.
            3. Adding complementary lines.
            4. Make regular investments in new equipment.
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