Business Plan Template PLEASE COMPLETE THIS FORM IN BLOCK LETTERS. All blanks must be completed.

Use N/A if blank is not applicable. If more than one borrower attach details of other borrowers on separate sheet of paper BORROWERS PERSONAL DETAILS Surname First Name Middle Name In the event that are not successful can Family Bank/ Kenya ICT Board share your plan with partners who are interested in providing funding? No Yes DECLARATION I/We declare that all the information given herein and attached is true to the best of my/our knowledge and belief: I/We further authorize Family Bank Ltd. to verify the information given herein and make reference from any person(s)/institution(s) named herein or on the attached documents I/We also authorize you to obtain any information you may require relating to this application from my employers, if any and from any other source to which you may apply, each source hereby authorized by me/us to provide you with such information. I/We undertake to notify Family Bank Ltd immediately of any situation which materially changes the representation of this application. I/We hereby authorize Family Bank Ltd. to disclose any and all information in respect of my account to Kenya ICT Board, for as long as my/our debt to Family bank is outstanding. I/We confirm that I/We am/are in good health and accept and agree to be bound by the terms and conditions as will be contained in the Pasha loan Terms and conditions NAME SIGNATURE DATE dd/mm/year

For Official Use only Date Received: ___/___/_____ Liability ID: ________________ Constituency: Signed by: (Family Bank authorized official) Name: _______________________________________________Credit Officer Date____/____/________

__________________

Signature: __________________________ Name:

_______________________________________________Manager Date____/____/________

Signature: __________________________

SECTION I: BUSINESS DESCRIPTION Business Name Type of Business Description

Date of Commencement MM/DD/YYYY Physical Location

Tick as appropriate: (a) new business (b) takeover (c) expansion Other (please specify) (When business started or proposed date for starting it) Town/Shopping Centre Street/Road Name of Premises Constituency County Accessibility (tick as appropriate) (a) Road (b) Rail Other (please specify)

(c) Water

(d) Air

Advantages derived from the location of the business Nearest landmark Postal Address Telephone Numbers Fax Numbers Email Address Form of Business Ownership

Tick as appropriate: (a) Sole Proprietor (d) Other specify:

(b) Partnership

(c) Limited Liability Company

Brief History of the Business and its Current Status SECTION II: OBJECTIVES OF THE BUSINESS Vision Mission Overall Objective Specific Objectives (In measurable terms) 1 Service Objectives (Quality of Service) 2 Profit Objectives (Provide actual % and amount
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targets) Growth Objectives Social Objectives (Value and contributions to the nearby community)

SECTION III: MARKETING PLAN 3.1 Description of the target market Brief Description of the Customer Groups target market (customers) segments

3.2 Strategies for attracting and maintaining market share Provide descriptions of how you plan to attract and hold your target market and increase your market share using the listed variables. Products/Services Prices of Products/Services Distribution of Products/Services Promotion of Products/Services SECTION IV: COMPETITION 4.1 Situational Analysis List your current target market and competitors 4.1.1 Internal Analysis List the strengths and weaknesses of your proposed business Strengths

Weaknesses

4.1.2 External Analysis List the opportunities and threats in your target market Opportunities

Threats

4.2 Environmental Analysis

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List the social, political, regulatory, economic and technological changes are taking place that could impact your business. Environmental Factor Environmental Changes & Impact on Business Social Political Regulatory Economic Technological (Infrastructural) 4.3 Competitor Analysis 4.3.1 The Competitors List at least three (2) key competitors and indicate their respective strengths and weaknesses. Name of Competitor Strengths Weaknesses 1. 2. Others SECTION V: MANAGEMENT AND ORGANIZATION 5.1 Organizational Structure On a separate sheet of paper clearly marked Section 5.1 Organization Structure, provide a chart that displays the planned organizational structure of your business; detail the functions of each position and outline the reporting assignments. 5.2 Key Management Staff List the details pertaining to the key management staff (current and planned), e.g., Pasha Managers and Technical Staff. Position Title Qualifications & Experience Duties & Responsibilities

5.3 Other Staff List the details pertaining to the any other staff (current and planned), e.g., receptionist, book keeper. Position Title Qualifications & Experience Duties & Responsibilities

SECTION VI: BUSINESS OPERATION 6.1 Product Development, Design & Facilities Description of Premises Ownership Status (i.e.,
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rent/lease/own) Initial Renovations Required Products and Services to Be Offered 6.2 Machinery Tools Equipment and other Facilities On a separate sheet of paper clearly marked Section 6.2 Machinery, Tools, Equipment and other Facilities, provide a financial chart that lists each piece of equipment necessary for the business and include the following details for each item: its name, a brief description of its function, its manufacturer, its supplier, the number of units that will be at the business, the cost of each unit, and the resulting total cost of all units. Item Quantity Description Manufacturer Supplier Unit Unit Cost (KES) Total Cost (KES)

Total

6.2 Legal RequirementsItem Business Name Licenses (name each) VAT Certificate (if applicable) PIN number By-laws Employment Act / Labour Laws Tax Schedule / Reports Environmental, Health & Safety Regulations Patents & Copyrights 6.3 Remuneration (list of proposed staff) Position Number of Personnel

Source

Cost (KES)

Monthly Salary/Wages (KES)

Annual Total (KES)

6.6 Monthly Overhead Expenses Item Rent Wages & Salaries Electricity Telephone
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Monthly Costs (KES)

Annual Cost (KES)

Transport Stationary Advertising Repairs & Maintenance Taxes Insurance Bank Charges Legal Fees Licenses & Permits Any Other Expenses Total

6.7 Professional and Support Services Services Legal Services Banking Services Accounting Services Technical Support (Maintenance) Quality Controls

Service Provider & Contact

Monthly Fees (KES)

Annual Cost (KES)

Total 6.8 Operational Plan Activity

By Whom?

When?

Success Indicator

6.9 Start-Up Expenses Expense Total Available Cash Total of Capital Equipment (Find this total on the next page) Beginning inventory of merchandise for retailing business Legal Fees Accounting Licenses & Permits Deposits , e.g., public utilities, etc. Advertising & Promotion of Opening Refurbishment Other Expenses Cost (KES)

Total Start-Up Expenses Beginning Cash Balance

SECTION VII: FINANCIAL PLAN 7.1 Assumptions The proposed business proprietor(s) have put in place the following assumptions: 1. That the security situation in the country will continue to improve and hence disturbances caused by insecurity will not be experienced. 2. The rate of inflation will not escalate so as to cause price disturbance, thus the given prices will hold for five years. 3. The projected human resource requirements will be obtained at the given costs.

7.2 Pre-operational Costs (costs before start-up)- to be filled by start ups ONLY Name of Pasha Pre-Operational Costs Item Land, Building & Construction Lease Renovations Equipment Electricity Security, e.g., watchmen, alarm system Water Telephone & Postage Survey Fees Legal Fees Registration Fees Licenses & Permits Patents & Copyrights Rent Furniture, Fixtures & Fittings Installation, e.g., networks, switches Stationary Stock of retail, material goods Reproduction of documents Wages & Salaries Staff Training Bank Charges Transport Insurance Advertising Other Expenses Total

Cost (KES)

7.3 Working Capital- to be filled Name of Pasha Working Capital Item A. Current Assets Prepayments (deposits) Cash at Bank Cash in Hand Total B. Current Liabilities Short-term Loan Bills Payable Creditors Total A B = Working Capital Total 7.4 Revenue (Cash sales) Projections [Show projections and justification for each product & Service Line to be offered. Be realistic in the rate of build up from year 1 to year 2, and Future Growth] Name of Pasha Revenue Projections Units Unit price Quantity (pieces) sold Year 1 Amount (KES) Year 2 Year 3

Items ( for Examples- Stationery, ICT items, Photocopying, Scanning, Training, Mobile air-time sales etc)

Year 1

Amount (KES) Year 2

Totals

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SECTION 8: Current Financial Status

FINANCIAL DETAILS 4.1 Bank Accounts: kindly provide details of all bank accounts held (Please provide 6 months Account statements for all accounts listed) ACCOUNT TYPE BANK BRANCH ACCOUNT NUMBER

Credit History Do you have any credit facility from any other bank or institutions? statements for the last 3 payments. 1 2 3 4 Type of Loan Name of Lender Date Loan Paid-off/ to be Paid -off Loan Amount Disbursed Amount Outstanding Monthly Instalment Amount Number of payments made on time Number of payments paid late Security Held Do you plan on borrowing any money from any organization during the tenure of the loan been currently applied for? Yes No If yes, please provide terms and purpose. Yes / No Yes No If the answer is yes please provide details on each and provide copies of repayment receipts/ or loan

Are you a guarantor for any other loans not listed above? If yes, please provide full details.

Kindly list all significant personal assets owned and any liabilities against them,

SECTION 9: REFERENCES Please provide the details of 3 (three) non-family referees below: Full Names: ___________________________________________________________________________ Relationship:________________________________________ Occupation: ________________________ P.O. Box ___________________Code______________ Town: _________________________ Telephone Numbers Mobile: ______________________/_____________________/_____________________
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Office:

______________________/_____________________Residential:_____________________

Email address: Persoanal:_____________________________Office:______________________________

Full Names: ___________________________________________________________________________ Relationship:________________________________________ Occupation: ________________________ P.O. Box ___________________Code______________ Town: _________________________ Telephone Numbers Mobile: ______________________/_____________________/_____________________ Office: ______________________/_____________________Residential:_____________________ Email address: Persoanal:_____________________________Office:_____________________________ Full Names: ___________________________________________________________________________ Relationship:________________________________________ Occupation: ________________________ P.O. Box ___________________Code______________ Town: _________________________ Telephone Numbers Mobile: ______________________/_____________________/_____________________ Office: ______________________/_____________________Residential:_____________________ Email address: Persoanal:_____________________________Office:_____________________________

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