Real Estate, Construction & Handcraft

Business and financial plan for trades and construction: pre-finance materials, invoice jobs.

Joinery, plumbing, electrical or construction: planix calculates workshop, hourly rates and material pre-financing – as a plan for house bank and guarantee agency.

Hourly rates, material, workshop – your plan for the bank.

Concept free, business and financial plan CHF 49 – one-off, even without a subscription.

In the trades, you pay for the material before the customer pays

Material is bought and wages run, the final invoice often comes weeks after acceptance. planix calculates revenue from hours and jobs, material as pre-financing and shows liquidity with progress and final invoices.

Material is bought and wages run, the final invoice often comes weeks after acceptance. planix calculates revenue from hours and jobs, material as pre-financing and shows liquidity with progress and final invoices.

What carries the plan in this industry

Rules in detail
Revenue

Billed hours and jobs

Productive hours times hourly rate plus material – large jobs with progress and final invoices.

Costs

Wages and material

Staff is the largest item, material the second largest. Plus vehicles and workshop.

Capital

Workshop, machines, vehicles

Fit-out, machines, vehicles – for a takeover the purchase price. Plus reserve for material.

What bank and funding agency check first

  1. 1
    Productive hours per employeeHow many hours you bill, not work – with industry benchmark.
  2. 2
    Material pre-financingMaterial paid before the final invoice – and whether progress payments cover it.
  3. 3
    Takeover: purchase price and actual-vs-plan comparisonWhether the result carries the purchase price – compared with the last accounts.
  4. 4
    PermitsIf your trade needs a permit, the plan names it in the company chapter.

Metrics that appear in the plan

  • Productive hours per year
  • Hourly rate
  • Material share
  • Staff costs in %
  • Revenue per full-time position
  • Lowest liquidity

Where you submit

  • House bank for investment and working capital loan
  • Guarantee cooperative such as BG OST-SÜD or BG Mitte
  • Suppliers for payment terms on material
  • Seller in a takeover: vendor loan

Industry benchmark from: Swiss Federal Statistical Office, Eurostat, Zefix, Web research

Typical financing

Equity plus guaranteed loan, vendor loan for a takeover

Machines and vehicles can be lent against, material pre-financing cannot. Typical are equity, a guaranteed bank loan and, for takeovers, a vendor loan. Debt service capacity is in chapter 1 with a traffic light.

Machines and vehicles can be lent against, material pre-financing cannot.

Which package fits

Business & financial planning Pro

The concept is free: trade, region, customers and competitors. Business & financial planning Pro (CHF 49) calculates workshop, material, takeover and debt service.

The concept is free: trade, region, customers and competitors. Business & financial planning Pro (CHF 49) calculates workshop, material, takeover and debt service.

View pricing
FAQ

Frequently asked questions from the industry

Through opening inventory and cost of goods per offer with time of payment. The liquidity planning shows how much material you pay before the final invoice – and whether progress payments are enough.

Purchase price, any vendor loan and today’s numbers or two annual accounts. From this come the opening balance sheet, existing loans and actual-vs-plan comparison.

Yes: the price is the hourly rate, sales per month are the billed hours. The industry benchmark shows whether your revenue per full-time position fits.

Supported by leading start-up experts and partners

ConsultingNetworkSwitzerland.
swissstartupassociation+
SWISS DESIGN
& ENGINEERING
NVIDIA Inception Program
collumino.com
STARTUPS
EXPERTSuisse
Buchhaltungs AG
DACH Startups

Your venture stands.
Now the plan with numbers.

Your venture as a document – free, in about 15 minutes.

Start for free Business concept free · Business & financial planning Pro CHF 49 · one-off, even without a subscription