From venture to a plan
the bank accepts.

Your venture becomes a concept – with the Pro plan a five-year financial plan you check first.

Concept, then 5-year financial plan – checked by you.

Start for free

Over 600 founders have already started. 600+ founders started

How planix works

Calculated.
Not estimated.

1How does it work?

Process

To the plan in four steps.

You answer clear questions – planix calculates, you check, planix writes.

You answer, planix calculates, you check.

1DescribeVenture, offer, target customer, competitors – in short questions.
2AddOffers, staff, costs, investments, equity, living costs.
3Checkplanix calculates five years, in the finance board you change values.
4Submit16 chapters, Excel and attachment list for your submission point.
Afterwards

2How is it calculated?

Capital required

How much money the start needs – and where it comes from.

The first question of every bank – calculated from items, not as a flat rate.

Calculated from items, not as a flat rate.

Capital required

Movable investmentsCHF 62’000
Structural investmentsCHF 48’000
Intangible investmentsCHF 9’000
Start-up costs and depositCHF 14’000
Opening inventoryCHF 12’000
Start-up losses and reserveCHF 35’000
TotalCHF 180’000

Sources of funds

EquityCHF 60’000
Bank loanCHF 100’000
Missing fundsCHF 20’000
TotalCHF 180’000

Example. Missing funds appear as a separate line in the plan – with ways to close the gap.

Missing funds appear as a separate line in the plan.

Loan left empty? planix calculates the need. Collateral counts only at lendable value.Loan empty? planix calculates the need.

Projection

Where every number comes from.

Revenue, costs and result come from your inputs – month by month, then per year.

All from your inputs, month by month.

Every line has a source

Revenue: price times sales per month, per offer, from the start month
Cost of goods: cost of goods per unit times sales
Staff: workload times salary, with social contributions, from the start month
Running costs: only the amounts you enter
Depreciation: from the investments, by type
Interest and repayment: from loans with interest and term

Your salary

Left empty, planix calculates the salary that covers your living costs – the traffic light shows whether the business carries it.

Left empty: a salary that covers your living costs.

Industry benchmark with official data

Staff costsShare of revenue
Cost of goods and materialsShare of revenue
Revenue per full-time positionAmount per year

If your plan deviates strongly, it is noted with source: Swiss Federal Statistical Office, Eurostat, Zefix, Web research.

Deviations from the industry are noted.

3How is it checked?

Viability

Is the plan viable? The bank calculates four numbers.

planix calculates them beforehand – with traffic lights from the tables, not from the text.

Four metrics with traffic lights – calculated beforehand.

Revenue and annual result over five years

Year 1CHF 320’000CHF -18’000

Year 2CHF 410’000CHF 12’000

Year 3CHF 450’000CHF 28’000

Year 4CHF 470’000CHF 36’000

Year 5CHF 480’000CHF 40’000

Example. Break-even in month 14.

Four metrics with traffic lights

Debt service capacity1.6
Debt factor3.1 years
Equity ratio24 %
Living costs coveredfrom year 2
Lowest liquidity · Month 7CHF 11’000

Every traffic light comes from a table of the financial plan. The thresholds are in the assumptions chapter.

Scenarios

How much revenue can be missing.

Your plan with less and more revenue – and when it gets tight.

Less, more revenue – when does it get tight?

Scenario	Revenue year 2	Annual result	Break-even
Base	CHF 410’000	CHF 12’000	Month 14
Cautious −20 %	CHF 328’000	CHF -21’000	Month 27
Optimistic +15 %	CHF 472’000	CHF 34’000	Month 10

Example values. Your plan also shows the revenue from which you cover costs.

4What do I get?

Result

What you hold in your hands at the end.

A plan you can submit as it is – every number from the tables.

A plan you can submit as it is.

Develop the business concept

Business Concept
Business concept
Short Profile

Business & financial planning Pro

Business and financial plan
Financial plan (Excel attachment)

16 chaptersEvery number with currency and yearTraffic lights from the tables

The 16 chapters of the plan

Business and financial plan · Lea Brunner

1Executive summary

Kaffeewerk Steinberg GmbH is opening a café with its own roastery in Winterthur’s old town and sells freshly roasted beans in the shop and by subscription. Business operations start in March 2027. The total capital requirement is CHF 263’400. It is financed through Founder’s own funds of CHF 80’000, Bank loan, guaranteed of CHF 160’000 and Parents’ loan of CHF 25’000. Break-even is reached in August 2027.

Capital requirementCHF 263’400

Revenue 2027CHF 417’081

Net result 2027CHF -53’645

Key figure	Value
Capital requirement total	CHF 263’400.00
Sources of funds total	CHF 265’000.00
Revenue year 1	CHF 417’081.00
Revenue year 3	CHF 597’936.00
Net result year 1	CHF -53’645.00
Net result year 3	CHF 60’640.00
Break-even month	08.2027
Lowest liquidity in the planning horizon	CHF 78’139.00
Equity ratio year 3 (in %)	48.1 %

Plus the Excel attachment with eight sheets – from overview to viability.

The Pro plan

Business & financial planning Pro: from concept to financial plan.

Takes over the concept and adds all numbers for bank and funding agency – one-off, no subscription.

Concept plus all the numbers – one-off.

Capital required and financing

Need against equity, loans and collateral – missing funds as a separate line.

Items, sources of funds, gap.

Chapters 7 and 8, Excel

Projected income statement

Revenue and costs from your inputs – per year revenue, EBITDA and result.

Five years from your inputs.

Chapter 9, Excel

Liquidity

Month by month over two years; the lowest level determines the reserve.

24 months individually, then per year.

Chapter 10, Excel

Projected balance sheet

Balance sheet per plan year, for a takeover with opening balance.

Five years, opening balance sheet.

Chapter 11, Excel

Viability with traffic lights

Debt service, debt, equity and living costs – each with a traffic light.

Four metrics, private household.

Chapter 12, Excel

Scenarios and risks

Result, lowest liquidity and break-even per scenario, plus a risk table.

Base, cautious, optimistic.

Chapter 13

For an expansion or takeover with opening balance sheet and actual-vs-plan comparison.

For a takeover: opening balance sheet and actual-vs-plan comparison.

Compare both packages in detail

Submitting

Attachments for the place you submit to.

Each place expects different attachments. The list in chapter 15 follows your choice.

You choose the submission point – the attachment list follows it.

Switzerland

House bank: loan meeting
Guarantee cooperative: BG OST-SÜD, BG Mitte, SAFFA

In the plan: Attachments for house bank and guarantee

Also for landlords, partners or just for you – then without an attachment list.

Supported by leading start-up experts and partners

ConsultingNetworkSwitzerland.

swissstartupassociation+

SWISS DESIGN
& ENGINEERING

collumino.com

STARTUPS

EXPERTSuisse

4localCH

Buchhaltungs AG

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

Afterwards

Seamlessly on in the founder journey.

Concept and numbers stay in your account. Lean business plan, grants and founding build on them.

Everything stays in your account – the next modules build on it.

View the whole founder journey

From venture to a planthe bank accepts.