Isma university of applied science business plan

Financial Plan and economic development

The initial investment in creating a business amounted to 150 000 000 Som.
The two founders of this project will spend the bulk of the amount – 150 000 000 Som for two. It is planned to take a loan from the bank for the missing part of the amount. To finance the project, it is planned to take a soft loan from National Bank under a small business lending program. The amount will be 50 000 000 thousand rubles for a period of 1 year at 12% per annum.
Table
Key loan parameters (created by the author)

Source of funding	Loan details
Borrowers	legal entities, individual entrepreneurs, individuals - business owners
Credit amount	Till 80 000 000
Credit term	up to 12 months - for working capital replenishment / financing of current activities; up to 18 months - for acquisition of fixed assets / financing of capital costs
Loan rate, %	From 12% yearly*
Credit Currency	Uzbek Som
Loan form	one-time issue, credit line
Loan repayment	monthly (annuity payments, individual schedule)
Maximum deferred repayment of principal	3 months
Pledge of property	Not necessary
Security	surety of the co-owners of the business of the spouse - for the individual borrower and individual
Early repayment of a loan	possible (no fees)

Because since this bank participates in the state program for lending to small businesses, the conditions for issuing a loan are favorable. The rate is small, no collateral on the property is required. Thus, in a year, it will be necessary to return an amount equal to 50 000 000 rubles. To return this amount in a year is quite realistic.

The expected level of revenue per year is 100 000 000 Som.
Table