Loan Repayment Calculation

Loan Principle Amount 500,000.00

Interest Rate 10.0%

Loan Period in Years 20.00

Loan Repayment 10,000.00 10,000.00

15.00 20.00 25.00

8.0% 6,000.00 8,000.00 10,000.00
9.0% 6,750.00 9,000.00 11,250.00
10.0% 7,500.00 10,000.00 12,500.00
11.0% 8,250.00 11,000.00 13,750.00
12.0% 9,000.00 12,000.00 15,000.00
Metagenix Technologies (Pvt) Limited
Business Valuation Assumptions
Metagenix Technologies (Pvt) Limited
Business Name / Sheet Heading

Financial Assumptions - Cash Flow Calculations Start-up Year 1

Turnover $ 5,000,000.00
Estimated Annual Turnover
Annual Increase %
Gross Profit % 35%
Estimated Gross Profit % 23
Expenses $ 24,000.00
Accounting Fees $ 60,000.00
Advertising & Marketing $ 3,000.00
Bank Charges $ 6,000.00
Cleaning Expenses $ 4,000.00
Computer Expenses $ 15,000.00
Consumables $ 12,000.00
Electricity & Water $ 8,000.00
Entertainment $ 6,000.00
Equipment Hire $ 10,000.00
Insurance $ 4,500.00
Legal Fees $ 36,000.00
Motor Vehicle Expenses $ 2,000.00
Postage $ 5,500.00
Printing & Stationery $ 17,000.00
Professional Fees $ 120,000.00
Rent $ 11,000.00
Repairs & Maintenance $ 600,000.00
Salaries & Wages $ 13,000.00
Security $ 5,800.00
Subscriptions $ 28,000.00
Telephone & Fax $ 18,000.00
Training $ 5,000.00
Uniforms

Annual Increase %
Working Capital $ 175,000 $ 190,000
Inventory $ 350,000 $ 410,000
Debtors $ (150,000) $ (163,000)
Creditors
Capital Expenditure $ 60,000.00
Annual Capital Expenses

Financial Assumptions - Acquisition Price & Financing

No
Do you want to set the acquisition price?
Business Acquisition Price No
Include Terminal Value 0%
Cash Flow Growth Rate - After Year 5 2.5
Profit Multiple 60%
Debt Finance % 10%
Cost of Debt (annual loan interest rate) 40%
Equity Finance % 20%
Required Return on Equity (before taxation)
 Year 2 Year 3 Year 4 Year 5

10% 10% 5% 5%

35% 35% 38% 38%

This
This sheet's
sheet's assumptions
assumptions are are used
used toto automatically
automatically generate
generate thethe five-year
five-year cash
cash flow
flow pro
pro
on
on the Cash - flow sheet and the business valuation estimates on the Valuation sheet. TT
the Cash - flow sheet and the business valuation estimates on the Valuation sheet.
flow
flow predictions
predictions contain
contain thethe turnover,
turnover, gross
gross profit
profit percentages,
percentages, costs,
costs, working
working capital
capital bb
and
and capital
capital expenditure
expenditure amounts.
amounts. It It should
should be
be noted
noted that
that you
you can
can add
add more
more expenditure
expenditure
necessary.
necessary. The assumptions in the Acquisition Price & Financing section are utilized
The assumptions in the Acquisition Price & Financing section are utilized to
to cc
the
the WACC,
WACC, which
which isis then
then used
used as
as the
the discount
discount rate
rate in
in the
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discounted cashcash flow
flow calculati
calculat
may
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enter aa business
business value
value toto compare
compare itit to
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flow forecasts,
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as well
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p
terminal
terminal value
value and
and aa profit
profit multiplier
multiplier for
for an
an alternate
alternate business
business valuation
valuation technique.
technique.

6% 6% 5% 5%
$ 206,000 $ 225,000 $ 230,000 $ 235,000
$ 452,000 $ 497,000 $ 522,000 $ 548,000
$ (178,000) $ (194,000) $ (197,000) $ (207,000)

$ 60,000.00 $ 100,000.00 $ 200,000.00 $ 200,000.00

e the
the five-year
five-year cash
cash flow
flow projections
projections
es
es on the Valuation sheet. The
on the Valuation sheet. The cash
cash
ges,
ges, costs,
costs, working
working capital
capital balances,
balances,
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scounted cash
iscounted cash flow
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Metagenix Technologies (Pvt) Limited
Cash Flow Projection
© www.excel-skills.com
Monthly Average Year 1
Turnover $ 416,667 $ 5,000,000

Cost of Sales $ 270,833 $ 3,250,000

Gross Profit $ 145,833 $ 1,750,000

Gross Profit % 35% 35%

Expenses
Accounting Fees $ 2,000.00 $ 24,000.00
Advertising & Marketing $ 5,000.00 $ 60,000.00
Bank Charges $ 250.00 $ 3,000.00
Cleaning Expenses $ 500.00 $ 6,000.00
Computer Expenses $ 333.33 $ 4,000.00
Consumables $ 1,250.00 $ 15,000.00
Electricity & Water $ 1,000.00 $ 12,000.00
Entertainment $ 666.67 $ 8,000.00
Equipment Hire $ 500.00 $ 6,000.00
Insurance $ 833.33 $ 10,000.00
Legal Fees $ 375.00 $ 4,500.00
Motor Vehicle Expenses $ 3,000.00 $ 36,000.00
Postage $ 166.67 $ 2,000.00
Printing & Stationery $ 458.33 $ 5,500.00
Professional Fees $ 1,416.67 $ 17,000.00
Rent $ 10,000.00 $ 120,000.00
Repairs & Maintenance $ 916.67 $ 11,000.00
Salaries & Wages $ 50,000.00 $ 600,000.00
Security $ 1,083.33 $ 13,000.00
Subscriptions $ 483.33 $ 5,800.00
Telephone & Fax $ 2,333.33 $ 28,000.00
Training $ 1,500.00 $ 18,000.00
Uniforms $ 416.67 $ 5,000.00
Total Expenses $ 84,483.33 $ 1,013,800.00

Profit before Interest & Tax $ 61,350.00 $ 736,200.00

Changes in Working Capital $ (5,166.67) $ (62,000.00)

Inventory $ (1,250.00) $ (15,000.00)
Debtors $ (5,000.00) $ (60,000.00)
Creditors $ 1,083.33 $ 13,000.00

Capital Expenditure $ (5,000.00) $ (60,000.00)

Annual Cash Flow $ 51,183.33 $ 614,200.00

Inventory Days 21
Debtors Days 30
Creditors Days 14
 Year 2 Year 3 Year 4 Year 5
$ 5,500,000 $ 6,050,000 $ 6,352,500 $ 6,670,125

$ 3,575,000 $ 3,932,500 $ 3,938,550 $ 4,135,478

$ 1,925,000 $ 2,117,500 $ 2,413,950 $ 2,534,648

35% 35% 38% 38%

$ 25,440.00 $ 26,966.40 $ 28,314.72 $ 29,730.46

$ 63,600.00 $ 67,416.00 $ 70,786.80 $ 74,326.14
$ 3,180.00 $ 3,370.80 $ 3,539.34 $ 3,716.31
$ 6,360.00 $ 6,741.60 $ 7,078.68 $ 7,432.61
$ 4,240.00 $ 4,494.40 $ 4,719.12 $ 4,955.08
$ 15,900.00 $ 16,854.00 $ 17,696.70 $ 18,581.54
$ 12,720.00 $ 13,483.20 $ 14,157.36 $ 14,865.23
$ 8,480.00 $ 8,988.80 $ 9,438.24 $ 9,910.15
$ 6,360.00 $ 6,741.60 $ 7,078.68 $ 7,432.61
$ 10,600.00 $ 11,236.00 $ 11,797.80 $ 12,387.69
$ 4,770.00 $ 5,056.20 $ 5,309.01 $ 5,574.46
$ 38,160.00 $ 40,449.60 $ 42,472.08 $ 44,595.68
$ 2,120.00 $ 2,247.20 $ 2,359.56 $ 2,477.54
$ 5,830.00 $ 6,179.80 $ 6,488.79 $ 6,813.23
$ 18,020.00 $ 19,101.20 $ 20,056.26 $ 21,059.07
$ 127,200.00 $ 134,832.00 $ 141,573.60 $ 148,652.28
$ 11,660.00 $ 12,359.60 $ 12,977.58 $ 13,626.46
$ 636,000.00 $ 674,160.00 $ 707,868.00 $ 743,261.40
$ 13,780.00 $ 14,606.80 $ 15,337.14 $ 16,104.00
$ 6,148.00 $ 6,516.88 $ 6,842.72 $ 7,184.86
$ 29,680.00 $ 31,460.80 $ 33,033.84 $ 34,685.53
$ 19,080.00 $ 20,224.80 $ 21,236.04 $ 22,297.84
$ 5,300.00 $ 5,618.00 $ 5,898.90 $ 6,193.85
$ 1,074,628.00 $ 1,139,105.68 $ 1,196,060.96 $ 1,255,864.01

$ 850,372.00 $ 978,394.32 $ 1,217,889.04 $ 1,278,783.49

$ (43,000.00) $ (48,000.00) $ (27,000.00) $ (21,000.00)

$ (16,000.00) $ (19,000.00) $ (5,000.00) $ (5,000.00)
$ (42,000.00) $ (45,000.00) $ (25,000.00) $ (26,000.00)
$ 15,000.00 $ 16,000.00 $ 3,000.00 $ 10,000.00

$ (60,000.00) $ (100,000.00) $ (200,000.00) $ (200,000.00)

$ 747,372.00 $ 830,394.32 $ 990,889.04 $ 1,057,783.49

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30 30 30 30
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