Small Business Budget 360 – Multi-Year Financial Planner

Small Business Budget 360

MULTI-YEAR • 360° BUSINESS FINANCIAL SYSTEM

Business Budget, Growth & Financial Power Planner

Plan and manage the complete financial life of a small business across multiple years: revenue, expenses, payroll, taxes, reserves, borrowing, credit, Dun & Bradstreet profile tracking, capital assets, acquisitions, expansion, investing, equity, owner wealth, cash flow, liabilities, compliance, and growth.

BUDGET • BORROW • BUILD • SCALE • OWN

360 Dashboard

Monthly Revenue
$0
Gross Profit
$0
Net Profit
$0
Cash
$0
Business Equity
$0
Owner Wealth
$0
Gross Margin
0%
Net Margin
0%
Growth Rate
0%
Savings Rate
0%
Debt / Asset
0%
Reserve Months
0

Business Profile

Multi-Year Budget & Growth Plan

Plan up to 10 years using percentage growth assumptions.

YearProjected RevenueProjected ExpensesProjected Net ProfitTarget Business Value

All Business Income

Income SourceMonthly Amount% of TotalGrowth %
Product Sales0%
Service Income0%
Contract / Project Income0%
Recurring / Subscription Income0%
Commission Income0%
Rental / Leasing Income0%
Royalty / Licensing Income0%
Interest / Investment Income0%
Other Income0%

Cost of Goods Sold / Direct Costs

Direct CostMonthly Amount% of Revenue
Materials / Inventory Used0%
Direct Labor0%
Subcontractors0%
Shipping / Freight0%
Merchant Fees0%
Job Supplies0%
Other Direct Cost0%

Operating Expenses

Administrative ExpenseMonthly
Rent / Lease
Utilities
Internet / Phones
Software / Subscriptions
Accounting / Bookkeeping
Legal / Professional
Office Supplies
Bank Fees
Sales & Operating ExpenseMonthly
Advertising / Marketing
Website / Hosting
Vehicle / Fuel
Travel / Meals
Repairs / Maintenance
Training
Licenses / Memberships
Miscellaneous

Payroll

Payroll ItemMonthly Amount% of Revenue
Employee Salaries / Wages0%
Payroll Taxes0%
Overtime0%
Bonuses / Commissions0%
Contract Labor Not in COGS0%

Employee Benefits

BenefitMonthly Employer Cost% of Payroll
Health Insurance0%
Dental / Vision0%
Retirement Plan Match0%
Workers Compensation0%
Life / Disability0%
PTO / Holiday Cost0%
Other Benefits0%

Taxes

Tax ReserveMonthly Amount% of RevenueFrequency
Federal Income Tax Reserve0%
State Income Tax Reserve0%
Sales Tax0%
Payroll Tax Reserve0%
Property / Personal Property Tax0%
Franchise / Business Tax0%

Cash Flow

Cash In
$0
Cash Out
$0
Net Cash Flow
$0
Ending Cash
$0

Business Reserves

ReserveCurrent BalanceTarget % of RevenueMonthly Contribution
Operating Reserve
Tax Reserve
Payroll Reserve
Capital Expenditure Reserve
Expansion Reserve

Borrowing & Financing

FacilityCredit Limit / OriginalBalanceRate %Monthly Payment
Bank Term Loan
Business Line of Credit
SBA / Government-Backed Loan
Equipment Financing
Private / Partner Loan

Business Credit Profile & Credit Acquisition

0%
$0

Dun & Bradstreet Profile Tracker

Use this section to manually track your D&B-related business credit profile and reporting status.

Business Credit Cards

CardLimitBalanceUtilization %Monthly Payment
Card 10%
Card 20%
Card 30%

Accounts Receivable & Payable

Accounts Receivable
CustomerAmountDays
Accounts Payable / Creditors
Creditor / VendorAmountDays

Capital Assets

AssetCurrent ValueAnnual Appreciation / Depreciation %Replacement Year
Vehicles
Equipment / Machinery
Computers / Technology
Furniture / Fixtures
Business-Owned Real Estate
Intellectual Property

Inventory Management

$0
0x

Business Investing

InvestmentCurrent ValueMonthly ContributionExpected Return %
Money Market / Treasury
Brokerage / Securities
Real Estate Investment
Strategic Business Investment

Expansion Planning

$0
$0

Business Acquisition Planning

$0
$0
0x

Partners, Owners & Payments

Partner / OwnerOwnership %Salary / Guaranteed PaymentDraw / DistributionOther Payment
Owner / Partner 1
Owner / Partner 2
Owner / Partner 3

Owner Wealth & Drawing

$0
$0
0%

Business Equity

Total Assets
$0
Total Liabilities
$0
Book Equity
$0
Estimated Business Value
$0
$0
0%

All Liabilities

Loans
$0
Credit Cards
$0
Accounts Payable
$0
Total Liabilities
$0

Insurance & Risk Management

CoverageAnnual PremiumCoverage AmountStatus
General Liability
Commercial Property
Commercial Auto
Workers Compensation
Professional Liability / E&O
Cyber
Key Person
Business Interruption

Compliance & Governance

Business registration current
State annual registration current
Federal / state tax filings current
Payroll deposits current
Sales tax filings current
Licenses / permits current
Insurance certificates current
Corporate minutes / records current
Partner / shareholder agreements reviewed
Employee files current
Contractor records current
Contracts reviewed
Cybersecurity / backups reviewed
Financial statements reviewed monthly

Business KPIs

Revenue Growth
0%
Gross Margin
0%
Net Margin
0%
Payroll Ratio
0%
Break-Even Revenue
$0
Revenue / Employee
$0
Reserve Rate
0%
Debt Service %
0%
Credit Utilization
0%
Asset Turnover
0x
A/R % Revenue
0%
Owner Wealth Rate
0%

Financial Power Index

A simple internal score based on profitability, reserves, leverage, credit, growth, and owner wealth-building.

Profitability Score
0/20
Reserve Score
0/20
Credit Score
0/20
Leverage Score
0/20
Growth Score
0/10
Owner Wealth Score
0/10
Financial Power Index
0/100

Strategic Goals

GoalTargetCurrentTarget DatePriority
Revenue
Net Profit
Reserve
Business Credit
Expansion
Acquisition
Business Value
Owner Wealth
Educational Disclaimer: This Small Business Budget 360 planner is for educational and general planning purposes. It is not accounting, tax, legal, credit, lending, insurance, valuation, investment, or compliance advice. Business credit scoring methodologies, lender requirements, tax obligations, and reporting rules vary and should be verified with the appropriate professionals and providers.

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