Published Apr. 15, 2011
Monthly cash flow projection
Detail cash flow projection by month for 12 months. Spreadsheet in MS Excel.
Published Apr. 15, 2011
List of Ventura County Library locations for Business Research
Locations of Libraries in Ventura County for Business Research
Before you launch into your own business, there are dozens of details to be considered - from the momentous to the almost (but not quite) trivial. Here is a checklist covering many items you need to take care of.
Preliminary Research
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assess your strengths and weaknesses
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establish business and personal goals
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assess your financial resources
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identify the financial risks
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determine the start-up costs
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decide on your business location
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do market research
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identify your customers
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develop a marketing plan
Business Transactions
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select a lawyer
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decide on business organization-proprietorship, partnership, corporation
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create your business-register your name, get incorporated
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select an accountant
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prepare a business plan
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get financing
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establish a line of credit
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select an insurance agent
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obtain business insurance
First Steps
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design and order business cards
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obtain a lease
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get furniture and equipment
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review local building codes
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obtain a license or permit (if applicable)
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send off for federal and state tax forms
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apply for Employer Identification number (if applicable)
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join a professional organization
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line up suppliers if needed
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set a starting date
Published Apr. 14, 2011
Business Plan 
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The most important reason to do a Business Plan is for you to become convinced that you can turn your idea or dream into a real functioning business. Until you have satisfied yourself that your plan "makes sense", you shouldn't even think of trying to sell anyone else. Once you're convinced you can make your idea work then you can show it to lenders and prospective investors. A Business Plan is not a "one-time" document just for obtaining investors or financing. You should consider it to be a "living document" which you will update and upgrade from time to time as information and circumstances change and as appropriate as you thus make changes in your business.
A Business Plan/Financial Plan is an absolute necessity in applying for a loan for a start-up business and is highly recommended in applying for a loan for an existing business.
How do you do it? It's not easy. And it's unlikely you can just sit down and produce a good plan in one sitting because a lot of trial and error and testing of ideas is involved. It will most likely evolve over a period of time.
How? Think about your business idea often and ask yourself these questions about every aspect of it. Who?, what?, where?, when?, why?, how?, how much?, how many?, how often? Write down the answers. Look for "holes". It's easy to list all kinds of ideas. Do you have the knowledge and resources to carry them out cost effectively? Are you "double counting" your resources, counting on them to do two different things at the same time?
Why do you want to pursue a particular part of your plan? Who will carry it out? When? Where? How much will it cost? How many sales will each marketing campaign generate? How does the cost to acquire a prospect, make a sale, or provide the product or service compare to your product or service pricing parameters?
Visualize some "typical days". What is being done? Why ? Who is doing it? Ask and answer these questions over and over until you are convinced you know how your business will function day-to-day. Now capture this knowledge in your plan and show how it will work financially. Make changes in your plan until you have a plan where all the elements fit together and work from a marketing, operational, and financial perspective.
There is no single prescribed format for a Business Plan. However, we believe many of you will find the format shown below to be helpful. You should feel free to adjust it to your unique circumstances.
A SCORE Counselor will be glad to assist you by reviewing your business plan draft(s) and giving you constructive comments. This can be accomplished in face to face meetings or by exchanging emails of sections of the plan as you write them. Use of a word processor such as Microsoft Word or Works is recommended.
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