Financial Plan Guidelines

After expending some time, cash, and brain cells, I have a guideline for financial plans:

Work it out from top to bottom

  • With any new idea, plan the financial plan first
  • Quantify in dollars the problem that your new idea solves
  • Look at cost of alternatives to solve the problem
  • Goods costs
  • What is your operating costs?
  • Set a selling price
  • Find the number of immediate customers (with most pain) in the first THREE months
  • What is the cost of customer acquisition? (related to creating awareness and attracting traffic to your business)
  • Cost of sales? (different from customer acquisition and due to closing a deal)
  • What is the revenue in the first THREE months?
  • Is it a recurring sale?
  • Find the cost of retaining a customer
  • Cost of growth for percentage of growth
  • How the cost of customer acquisition/retention changes with your growth?
  • Net profit and gross margin (minimum 50% for technology companies)

You should be able to infer from the financial plan

  • How much investment is needed?
  • When is the break even point?
  • How much more for a faster growth? In how long?
  • Is cost of sales decreasing?
  • Is cost of customer acquisition decreasing?
  • Is gross margin increasing?
 

Reminders

  • Business is about winning
  • You have hardcore smart competitors
  • Opportunities are very scarce and far apart; there is no second chance!
  • Keep it simple, stupid!
  • Always be closing
  • Constantly work on your presentation/business plan
  • Listen to your customers
  • Cash flow speaks the truth about your business
 

Brainstorming

Tom Kelley’s “The Ten Faces of Innovation”

  1. Go for quantity; throw in 100 ideas, and pick best 5
  2. Encourage wild idea and expect the unexpected
  3. Be visual; write on a draft paper and find new relationships, just as in drawing
  4. Defer judgments; hear all the 100 ideas and then criticize
  5. One conversation at a time
 

Start-ups vs. Established Businesses

(Established) Businesses are all about 3 fundamental things:

  1. Production (be it building hardware, software or whatever),
  2. Operations (i.e. administration, human resources, management) and
  3. Marketing and Sales

Money is made in ONLY step 3 (Marketing and Sales). Operations is ONLY about moving (effectively and efficiently) from Stage 1 (production) to Stage 3 (Marketing and sales).

Start-ups are also quite similar but different in ONE key aspect from established businesses:

  1. Production,
  2. Operations, and
  3. Learning & Discovery (of customers & market)

The customers are unknown in start-ups and as Steve Blank in “The Four Steps to the Epiphany” asserts the emphasis for start-ups in early phases MUST be on Learning & Discovery (of your market, your customers, what problems they TRULY value and so on).

Only after a start-up has truly figured this one out, does it transit to Marketing and Sales.

Hazem Awad

www.hazemawad.com

 

Competitiveness

Question: how to keep competitiveness besides a core patentable technology?

  • Management team (I keep coming back to this one)
  • Access to big customers
  • Access to certain distribution channels
  • Corporate culture and company’s vision are most difficult to replicate