Business plans handbook

Business Plans Handbook Highlights Business Plans Handbook, Volume (BPH-5) is a collection of actual business plans compiled by entrepreneurs seeking funding for small businesses throughout North America For those looking for examples of how to approach, structure, and compose their own business plans, BPH-5 presents 25 sample plans, including plans for the following businesses: • Bagel Shop • Bread Bakery • Car Wash • Cigar Shop • Climbing Outfitter • Computer Reseller • Detective Agency • Freight Expediting • Gift Store • Internet Cafe • Marketing Consultancy • Metal Shop • Pasta Franchise • Taxi Service FEATURES AND BENEFITS BPH-5 offers many features not provided by other business planning references including: m Twenty-five business plans, with a focus on the uses and effects of the Internet and various online services within the small business sector Each of these real business plans represents an owner’s successful attempt at clarifying (for themselves and others) the reasons that the business should exist or expand and why a lender should fund the enterprise m Two fictional plans that are used by business counselors at a prominent small business development organization as examples for their clients (You will find these in the Business Plan Template Appendix.) m An expanded directory section that includes: listings for venture capital and finance companies, which specialize in funding start-up and second-stage small business ventures, and a comprehensive listing of Service Corps of Retired Executives (SCORE) offices In addition, the Appendix also contains updated listings of all Small Business Development Centers (SBDCs); associations of interest to entrepreneurs; Small Business Administration (SBA) Regional Offices; and consultants specializing in small business planning and advice It is strongly advised that you consult supporting organizations while planning your business, as they can provide a wealth of useful information m A Small Business Term Glossary to help you decipher the sometimes confusing terminology used by lenders and others in the financial and small business communities m An expanded bibliography, arranged by subject, containing citations from over 1,500 small business reference publications and trade periodicals m A Business Plan Template which serves as a model to help you construct your own business plan This generic outline lists all the essential elements of a complete business plan and their components, including the Summary, Business History and Industry Outlook, Market Examination, Competition, Marketing, Administration and Management, Financial Information, and other key sections Use this guide as a starting point for compiling your plan m Extensive financial documentation required to solicit funding from small business lenders BPH-5 contains the most comprehensive financial data within the series to date You will find examples of: Cash Flows, Balance Sheets, Income Projections, and other financial information included with the textual portions of the plan Business Plans A COMPILATION OF ACTUAL BUSINESS PLANS DEVELOPED BY BUSINESSES THROUGHOUT NORTH Handbook AMERICA VOLUME Editors: Kristin and Paul Kahrs Contributing Desktop Specialist: Shelley Andrews Project Manager: William Harmer Contributing Editors: Eva M Davis and Jennifer Arnold Mast Assistant Editor: Ellen Sciba Technical Training Specialist: Gwen Turecki-Luczycka Managing Editor: Deborah M Burek Production Director: Mary Beth Trimper Assistant Production Manager: Evi Seoud Production Assistant: Deborah Milliken Product Design Manager: Cynthia Baldwin Data Entry Services Manager: Eleanor Allison Senior Data Entry Associate: Beverly Jendrowski Data Entry Associate: Timothy Alexander While every effort has been made to ensure the reliability of the information presented in this publication, Gale Research does not guarantee the accuracy of the data contained herein Gale accepts no payment for listing; and inclusion in the publication of any organization, agency, database product, publication, or individual does not imply endorsement by the editor or publisher Errors brought to the attention of the publisher and verified to the satisfaction of the publisher will be corrected in future editions This publication is a creative work fully protected by all applicable copyright laws, as well as by misappropriation, trade secret, unfair competition, and other applicable laws The authors and editors of this work have added value to the underlying factual material herein through one or more of the following: unique and original selection, coordination, expression, arrangement, and classification of the information All rights to this publication will be vigorously defended Copyright © 1998 Gale Research Address until September 15, 1998: 835 Penobscot Bldg 645 Griswold St Detroit, MI 48226-4094 Address after September 15, 1998: 27500 Drake Rd Farmington Hills, MI 48331-3535 All rights reserved including the right of reproduction in whole or in part in any form ISBN 0-7876-1263-4 ISSN 1084-4473 No part of this book may be reproduced in any form without permission in writing from the publisher, except by a reviewer who wishes to quote brief passages or entries in connection with a review written for inclusion in a magazine or newspaper Printed in the United States of America 10 i Contents Highlights ii Introduction vii Business Plans Bagel Shop USA Bagels .3 Bread Bakery Breadcrafter 11 Car Wash J&A Ventures, Inc 25 Cigar Shop Holy Smokes 43 Climbing Outfitter Rockhound Outfitters 61 Computer Reseller Computech Management .85 Ellipse Technologies, Inc 113 Detective Agency Barr Detective Agency 123 Fire Equipment Retailer Gallagher's Fire Service 137 Franchise Postal Service Express Postal Center 145 Freight Expediting Gazelle Expediting Inc 163 Gift Store Crystal Creek Gifts 171 Internet Bid Clearinghouse Opexnet, LLC 183 Internet Cafe Wired Bean 209 Marketing Consultancy Meridian Consulting 223 Metal Shop Krosnow Metal Works 245 Novelty Shop v The Great Pretender Office Furniture Retailer Powerline of Northern Minnesota Parts Manufacturer Zemens Metal Corporation Party Supply Store Celebrations Pasta Franchise Pasta Express Restaurant Kelly House Inn Rock Island Tavern Restaurant/Microbrewery Homesteaders' Pub & Grub Taxi Service Lakeview Taxi 267 275 281 297 313 327 339 359 381 Appendixes Appendix A - Business Plan Template 395 Fictional Plan - Food Distributor 401 Fictional Plan - Hardware Store 405 Appendix B - Organizations, Agencies, & Consultants Associations Consultants SBA Regional Offices Small Business Development Centers Service Corps of Retired Executives Offices Venture Capital & Finance Companies 417 419 420 434 435 488 516 Appendix C - Glossary of Small Business Terms 571 Appendix D - Bibliography 597 vi Introduction Perhaps the most important aspect of business planning is simply doing it More and more business owners are beginning to compile business plans even if they don't need a bank loan Others discover the value of planning when they must provide a business plan for the bank The sheer act of putting thoughts on paper seems to clarify priorities and provide focus Sometimes business owners completely change strategies when compiling their plan, deciding on a different product mix or advertising scheme after finding that their assumptions were incorrect This kind of healthy thinking and re-thinking via business planning is becoming the norm The editors of Business Plans Handbook, Volume (BPH-5) sincerely hope that this latest addition to the series is a helpful tool in the successful completion of your business plan, no matter what the reason for creating it This fifth volume, like each volume in the series, offers genuine business plans used by real people BPH-5 provides 25 business plans used by actual entrepreneurs to gain funding support for their new businesses The business and personal names and addresses and general locations have been changed to protect the privacy of the plan authors NEW BUSINESS OPPORTUNITIES As in other volumes in the series, BPH-5 finds entrepreneurs engaged in a wide variety of creative endeavors For instance, business plans that discuss capitalizing on new trends include those for a rock climbing equipment outfitter that takes advantage of nearby climbing terrain; an upscale bread-only bakery; a cigar, coffee and wine emporium, which is one entrepreneur's effort to ride the crest of more than one trend; and an Internet Cafe, providing both Internet access and the coffee that Internet savvy customers seem to enjoy Another Internet-related business is discussed in the OpExNeT business plan This is an example of a revolutionary approach to bidding and contracting that takes advantage of Internet technololgy The franchise business plans included in this volume will offer an excellent introduction to this alternative way of starting a business Franchises highlighted in BPH-5 include a take-out fresh pasta restaurant, a postal services center, and an office furniture retailer Popular and traditional businesses are featured in BPH-5 as well Among them are a taxi service seeking to make inroads in an underserviced area, a detective agency seeking start-up funding, a gift shop exploiting the lucrative summer tourist trade, a retailer of party supplies and accessories, and a gag and costume store located in a prominent downtown area The omnipresent nature of computers gives rise to numerous businesses related to them Also included in this volume are two very different business plans for computer resellers that provide hardware, software, and support Comprehensive financial documentation has become increasingly important as today's entrepreneurs compete for the finite resources of business lenders Our plans illustrate the financial data generally required of loan applicants, including Income Statements, Financial Projections, Cash Flows, and Balance Sheets ENHANCED APPENDIXES In an effort to provide the most relevant and valuable information for our readers, we have updated the coverage of small business resources For instance, you will find: a directory section, which includes listings of all of the Service Corps of Retired Executives (SCORE) offices; an informative glossary, which includes small business terms; and a bibliography, which includes reference titles essential to starting and operating a business venture in all 50 states In addition we have updated the list of Small Business Development Centers (SBDCs); Small Business Administration Regional Offices; venture capital and finance companies, which specialize in funding start-up and second-stage small business enterprises; associations of interest to entrepreneurs; and consultants, specializing in small business advice and planning For your reference, we have also reprinted the business plan template, which provides a comprehensive overview of the essential components of a business plan and two fictional plans used by small business counselors vii SERIES INFORMATION If you already have the first four volumes of BPH, with this fifth volume, you will now have a collection of 131 real business plans (not including the one updated plan in the second volume, whose original appeared in the first, or the two fictional plans in the Business Plan Template Appendix section of the second, third, fourth, and fifth volumes); contact information for hundreds of organizations and agencies offering business expertise; a helpful business plan template; a foreword providing advice and instruction to entrepreneurs on how to begin their research; more than 1,500 citations to valuable small business development material; and a comprehensive glossary of terms to help the business planner navigate the sometimes confusing language of entrepreneurship ACKNOWLEDGEMENTS The Editors wish to thank William Harmer of the Small Business Resources and Technology team for his diligence in coordinating this title The Editors also wish to sincerely thank Palo Alto Software, makers of Business Plan Pro, the premier business planning software tool, for providing the use of several business plans in this volume Thanks are also in order for the many contributors to BPH-5, whose business plans will serve as examples to future generations of entrepreneurs, as well as the users of the title who called with their helpful suggestions Your help was greatly appreciated COMMENTS WELCOME Your comments on BPH-5 are appreciated Please direct all correspondence, suggestions for future volumes of BPH, and other recommendations to the following: Business Plans Handbook, Volume (Address until September 15, 1998) Gale Research 835 Penobscot Bldg 645 Griswold St Detroit MI 48226-4094 (Address after September 15, 1998) Gale Research 27500 Drake Rd Farmington, MI 48331-3535 Phone: (313)961-2242 Fax: 800-339-3374 Toll-Free: 800-347-GALE Telex: 810 221 7087 E-mail: William.Harmer@gale.com viii BAGEL SHOP Business Plans Handbook, Volume Bagel Shop BUSINESS PLAN USA BAGELS 5535 Winston Blvd Troy, MI 43846 This business plan is an example of a niche food service operation that capitalizes on the evergrowing popularity of bagels The store offers affordable and fresh products attempting to cater to those who wish to eat in a more healthful way It also hopes to ride the crest of another very complementary trend: gourmet coffee consumption • MARKET ANALYSIS • KEY POINTS • EXPANSION • DISTRIBUTION SITE • PROMOTION OPTIONS • COMPETITION • USA BAGELS COMPARISON • LOAN SUMMARY STATEMENT • BREAKDOWN OF COSTS • MANAGEMENT • CONSOLIDATED BALANCE SHEET BIBLIOGRAPHY “Program Gives Small Businesses a Financial Boost” in Entrepreneur (Vol 32, No 7, July 1995, p 17) Irvine, California: Entrepreneur Media, Inc By Cynthia E Griffin Business Plans Handbook, Volume Crain’s Small Business (November 1994, p 21) Detroit, Michigan, Crain’s Communications, Inc Editor, Jeffery McCracken “Saving on Next-Day 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in Hispanic Business (Vol 18, No 12, December 1996, pp 26, 28, 30, 34, 36, 38) Santa Barbara, California, Hispanic Business Inc Editor, Maria Zate “Entrepreneurial Superstars” in Entrepreneur (April 1997, pp 108-139) Irvine, California, Entrepreneur Media Inc Editor, Debra Phillips and others “Fast Cash in Fast Food” in Small Business Opportunities (Vol 6, No 5, September 1994, p 46) New York, New York, Harris Publications, Inc “Fast-Food Operator Braces for Price War” in Detroit Free Press (February 28, pp 1e-2e) Detroit, Michigan, Knight-Ridder, Inc Editor, Vintage Foster “Finding Your Niche” in Small Business Reports (Vol 19, No 1, January 1994, p 22) New York, New York, Faulkner & Gray, Inc Editor, Jenny C McCune “For Restaurateurs, Excellence Is Merely First Course” in Crain’s Small Business (October 1995, p 6) Detroit, Michigan, Crain Communications, Inc Editor, Dave Guilford “From Beer to Eternity” in Business Start-Ups (Vol 9, No 2, February 1997, pp 36, 38-40) Irvine, California, Entrepreneur Media Inc Editor, Bob Weinstein “Gatzaros’ Projects” in Crain’s Detroit Business (Vol 11, No 9, February 27-March 5, 1995, pp 38-39) Detroit, Michigan, Crain’s Communications, Inc Editor, Michael Goodin “A Glass of Handmade” in Atlantic Monthly (November 1987, pp 75-80) New York, New York, Atlantic Monthly “Go for It” in Black Enterprise (Vol 27, No 7, February 1997, pp 72-73) New York, New York, Earl G Graves Publishing Co Inc Editor, Cassandra Hayes “Good for the Soul” in Entrepreneur (April 1997, p 16) Irvine, California, Entrepreneur Media Inc Editor, J.C “Heady Brews: Amber Waves of Gain” in Venture (January 1988, pp 58-61) New York, New York, Venture 623 BIBLIOGRAPHY “Brew Pubs Are Hoppin’” in New Business Opportunities (December 1989, pp 26-31) Irvine, California, Entrepreneur, Inc Editor, Kevin McLaughlin “An Enterprise on Tap” in Nation’s Business (Vol 82, No 7, July 1994, p 17) Washington, District of Columbia, U.S Chamber of Commerce Editor, Rosalind Resnick BIBLIOGRAPHY Magazine, Inc “High Spirits” in Entrepreneur (July 1996, p 26) Irvine, California, Entrepreneur Media Inc “Hot Plates” in Entrepreneur (June 1995, p 20) Irvine, California, Entrepreneur Media Inc “House Special” in Entrepreneur (May 1996, p 38) Irvine, California, Entrepreneur Media Inc “It’s Going to Be a Cold One” in Crain’s Detroit Business (Vol 12, No 52, December 1996, pp 3, 14) Detroit, Michigan, Crain Communications Inc Editor, Marsha Stopa “Jammin’” in Income Opportunities (Vol 30, No 6, June 1995, pp 64, 66) New York, New York, IO Publications, Inc Editor, Stephanie Jeffrey “Just Imagine!” in Direct Marketing (Vol 56, No 12, April 1994, pp 38-40) Long Island, New York, Hoke Communications Editor, Ray Jutkins “Little Giants” in Beverage World (Vol 113, No 1581, December 1994, pp 26-35) Great Neck, New York, Keller International Publishing Corporation Editor, Greg W Prince “Local Pubs Go for the Gusto of Brewing” in USA Today (January 24, 1989) Arlington, Virginia, Gannett Co., Inc “A Matter of Taste” in Income Opportunities (Vol 30, No 8, August 1995, pp 22-24, 68-70) New York, New York, IO Publications, Inc Editor, Meg North “Mo’ Better Zanzibar Blue” in Black Enterprise (Vol 27, No 5, December 1996, pp 106-114) New York, New York, Earl G Graves Publishing Co Inc Editor, Caroline V Clarke “Net Worth” in Entrepreneur (December 1996, pp 64, 66-67) Irvine, California, Entrepreneur Media Inc Editor, David R Evanson “New Venture Flying High” in Black Enterprise (Vol 27, No 2, September 1996, p 20) New York, New York, Earl G Graves Publishing Co Inc Editor, Paula M White “No Hang-Out Booths Here” in Restaurant Hospitality (Vol 75, No 12, December 1991, pp 122-128) Cleveland, Ohio, Penton Publishing Editor, David Farkas “No More Singing the Blues” in Black Enterprise (Vol 27, No 3, October 1996, p 22) New York, New York, Earl G Graves Publishing Co Inc Editor, Erin Aubrey “Opportunity Watch” in Entrepreneur (Vol 22, No 9, September 1994, p 216) Irvine, California, Entrepreneur Media, Inc Editor, Laura Radloff “Plucking for Profits” in Black Enterprise (Vol 27, No 9, 624 Business Plans Handbook, Volume April 1997, p 2830) New York, New York, Earl G Graves Publishing Co Inc Editor, Scott Wade “Propitious Returns” in Beverage World (Vol 114, No 1583, January 1995, pp 38-47) Great Neck, New York, Keller International Publishing Corporation Editor, Larry Jabbonsky “Pub Grub” in Income Opportunities (Vol 29, No 8, August 1994, p 127) New York, New York, IO Publications Inc Editor, Bryce Webster “Raw Food Revolution” in Black Enterprise (Vol 25, No 6, January 1995, p 32) New York, New York, Earl G Graves Publishing Co Inc Editor, Tonia L Shakespeare “Reversal of Fortune” in Income Opportunities (Vol 30, No 2, February 1995, pp 54-55, 58-62) New York, New York, IO Publications Inc Editor, Edmond M Rosenthal “Roadkill Restaurateur” in Crain’s Detroit Business (Vol 11, No 9, February 27-March 5, 1995, pp 3, 26) Detroit, Michigan, Crain’s Communications, Inc Editor, Marsha Stopa “The Six Best Ways to Raise Cash” in Money Money Guide Supplement (Vol , No , 1994, pp 34-39) New York, New York, Time, Inc Editor, Vanessa O’Connell “Standing Room Only” in Entrepreneur (July 1996, p 17) Irvine, California, Entrepreneur Media Inc Editor, L.B “Star Search” in Entrepreneur (Vol.23, No 8, August 1995, p 12) Irvine, California, Entrepreneur Media, Inc Editor, Janean Chun “Start-Up: Microbrewery” in Entrepreneur (June 1992, pp 134-138) Irvine, California, Entrepreneur, Inc Editor, Angela LoSasso “Stocking Up” in Business Start-Ups (Vol 8, No 12, 1997, pp 14-15) Irvine, California, Entrepreneur Media Inc Editor, Glen Weisman “Strange Brew” in Income Opportunities (Vol 29, No 8, August 1994, pp 68, 70-72, 74) New York, New York, IO Publications Inc Editor, Bryce Webster “Top of the Hops” in Entrepreneur (May 1996, p 16) Irvine, California, Entrepreneur Media Inc Editor, H.P “Turnaround Tactic” in Independent Business (Vol 7, No 2, March/April 1996, p 48) Thousand Oaks, California, Group IV Communications Inc “Turning the Tables” in Entrepreneur (Vol 23, No 7, July 1995, pp 18-19) Irvine, California, Entrepreneur Media, Inc Editor, Debra Phillips “Warning Signs” in Black Enterprise (Vol 27, No 4, Business Plans Handbook, Volume BIBLIOGRAPHY November 1996, pp 89-94) New York, New York, Earl G Graves Publishing Co Inc Editor, Tonia L Shakespeare Executive (Vol 71, No 1, January 199, p 131) New York, New York, Lebhar-Friedman, Inc Editor, Marianne Wilson “What Color Is Yours? Red Tape Comes in a Lot of Different Shades” in Restaurant Business (Vol 93, No 12, August 10, 1994, p 78) New York, New York, Bill Communications, Inc “Digital Commerce” in The Red Herring (February 1997, pp 46, 4850).San Francisco, California, Herring Communications Inc Editor, Alex Gove “What’s Haute” in Entrepreneur (January 1991, pp 278286) Irvine, California, Entrepreneur, Inc Editor, Gayle Sato “What’s New” in Entrepreneur (July 1996, p 206) Irvine, California, Entrepreneur Media Inc “Will Diners Want a Lotta Ja Da?” in Crain’s Detroit Business (Vol 12, No 45, November 1996, pp 3, 22) Detroit, Michigan, Crain Communications Inc Editor, Tenisha Mercer “Worshiping a Dream” in Crain’s Detroit Business (Vol 12, No 39, September 1996, p 8) Detroit, Michigan, Crain Communications Inc Editor, Matt Roush “You’re Only as Good as Your Last Meal” in Venture (February 1988, pp 55-58) New York, New York, Venture Magazine, Inc Retailing “Achieving Success Through a Smaller Market” in Washington Business Journal: Small Business Resource Guide (May 1996, p 18) Arlington, Virginia, American City Business Journals Editor, Bill Murray “Amid the Large Retailers, You Can Find Your Niche” in Crain’s Small Business (June 1996, p 19) Detroit, Michigan, Crain Communications Inc Editor, Linda Wasche “Business Etiquette Overseas” in Black Enterprise (Vol 26, No 3, October 1995, pp 142-143) New York, New York, Earl G Graves Publishing Co Inc Editor, Marjorie Whigham-Desir “Caught Re-Handed” in Black Enterprise (Vol 26, No 10, May 1996, p 21) New York, New York, Earl G Graves Publishing Co Inc Editor, Eric L Smith “Competing with the Giants” in Sporting Goods Business (Vol 27, No 2, February 1994, pp 78-81) New York, New York, Miller Freeman Inc Editor, Stephanie Barlow “Designing for Empowerment” in Chain Store Age “Finding and Helping the Mom-and-Pops” in Chain Store Age Executive (Vol 70, No 10, October 1994, p 104) New York, New York, Lebhar-Friedman, Inc Editor, Thomas B McKee “From Toilets to Toys: First Franchisee Plunges In” in Crain’s Detroit Business (Vol 12, No 44, Oct 28- Nov 3, 1996, p 13) Detroit, Michigan, Crain Communications Inc Editor, Matt Roush “The Future of Bankcard Authorization” in Chain Store Age Executive (Vol 69, No 10, October 1993, pp 85-85) New York, New York, Lebhar-Friedman, Inc “Getting Carded” in Entrepreneur (Vol 23, No 3, March 1995, p 22) Irvine, California, Entrepreneur Media, Inc Editor, Janean Huber and Debra Phillips “G.I Joe’s Fill a New Niche” in Discount Merchandiser (Vol 34, No 7, July 1994, pp 34-38) New York, New York, Schwartz Publications Editor, Jerry Minkoff “Give ‘Em Credit” in Entrepreneur (Vol 23, No 12, November 1995, p 28) Irvine, California, Entrepreneur Media, Inc Editor, David R Evanson “Hitching Your Wagon to a Retailing Star” in Nation’s Business (Vol 82, No 11, November 1994, pp 33-38) Washington, District of Columbia, U.S Chamber of Commerce Editor, Dale D Buss “Home Is Where the Business Is” in Black Enterprise (Vol 25, No 4, November 1994, pp 128-138) New York, New York, Earl G Graves Publishing Co Inc Editor, Christina F Watts “How to Hit the Target with Local Advertising” in Shooting Industry (Vol 39, No 6, June 1994, p 26) San Diego, California, Publishers’ Development Corp Editor, Carolee Boyles-Sprenkel “In the Know” in Entrepreneur (Vol 23, No 4, April 1995, pp 62-63) Irvine, California, Entrepreneur Media, Inc Editor, Gayle Sato Stodder “In the Shadow of Wal-Mart” in Management Review (Vol 83, No 12, December 1994, pp 10-16) New York, New York, American Management Association Editor, 625 BIBLIOGRAPHY “What’s Hoppin’” in Entrepreneurial Woman (December 1990, pp 61-63) Irvine, California, Entrepreneur, Inc Editor, Gayle Sato Stodder “Don’t Hold Your Breath” in The Red Herring (February 1997, p 84).San Francisco, California, Herring Communications Inc Editor, Andrew P Madden BIBLIOGRAPHY Jenny C McCune “An Independent Point of View” in Stores (Vol 76, No 3, March 1994, pp 57-58) Washington, New York, National Retail Federation Editor, Bill Pearson “Independent Specialty Stores End of an Era?” in Stores (Vol 76, No 2, February 1994, pp 59-60) Washington, New York, National Retail Federation Editor, Bill Pearson “Just Imagine!” in Direct Marketing (Vol 56, No 12, April 1994, pp 38-40) Long Island, New York, Hoke Communications Editor, Ray Jutkins “The Lure of Mail Order” in Direct Marketing (Vol 57, No 6, March 1994, pp 42-44) Long Island, New York, Hoke Communications Editor, Pete Hoke “Manufacturers, Distributors and Retailers Team Up with Co-op Advertising” in Shooting Industry (Vol 39, No 8, August 1994, p 26) San Diego, California, Publishers’ Development Corp Editor, Carolee Boyles-Sprenkel “Never Fear” in Entrepreneur