Your financial plan.
No Excel, no prior knowledge.Your financial plan.
No Excel.

You answer questions about your project. planix calculates capital requirements, liquidity and affordability over five years – the way your house bank and the guarantee cooperative read them.

Five years calculated, from your details.

Capital requirements: every item, against equity and loansCapital requirements, item by item
Liquidity: 24 months individually – you see when it gets tightLiquidity month by month
Affordability: with traffic lights, the way the bank calculatesAffordability with traffic lights

CHF 49 one-timeNo subscription · incl. VATNo subscription

4.9/5 600+ founders trust planix600+ founders

Your figures stay confidential · servers in Switzerland · no AI training

Business and financial plan · Lea Brunner

12Viability and private needs

12.1Debt service

Debt service coverage compares cash flow with interest and repayments. In 2028 it is 2.7; the traffic light is green. Banks and guarantee cooperatives expect debt service coverage of at least 1.2.

12.2Debt and equity

The equity ratio is 11.8 % in 2027 and 48.1 % in 2029. The benchmark is 30 % (SME portal of SECO). From the second year, cash exceeds debt.

12.3Private needs

Private needs of CHF 5’200 per month are covered by the salary from the company. In 2028 coverage is 110 %.

12.4Assessment

All viability traffic lights are green in the reference year.

Business and financial plan · Lea Brunner

Example · Winterthur

10Cash flow planning

Capital requirement: CHF 263’400
Lowest liquidity: CHF 78’139
Break-even: August 2027

03.202702.2029

Debt service
Equity ratio
Leverage
Private needs

XLSExcel · 8 sheetsPDFPDF · 30 pages

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What it’s about

Three questions every bank asks.

How much money do you need?

The capital requirements from every item – against equity and loans. If something is missing, it shows.

Capital requirements and financing.

Is there enough money every month?

Liquidity month by month. The lowest point determines the reserve.

Liquidity, month by month.

Is the business self-sustaining?

Debt service, equity and private needs – every ratio with a traffic light.

Affordability with traffic lights.

What you get

Calculated. Not estimated.

Every figure comes from your details – traceable down to the last line.

Every figure from your details.

How it works

Capital requirements

Investments, start-up costs, initial losses and reserve – against equity and loans.

Every item, every source.

Income statement

Five years: revenue from your offers, costs from your details.

Five plan years.

Liquidity

24 months individually, then per year – you see when it gets tightest.

24 months individually.

Affordability

Debt service, indebtedness, equity and private needs – each with a traffic light.

With traffic lights.

Plus: planned balance sheet, three scenarios, Excel with eight sheets and the list of enclosures for your submission office.

Plus balance sheet, scenarios and Excel.

Simple

You answer. planix calculates.

1
No formulas, no Excel. You answer questions about your offer, prices, costs, staff and equity.
No Excel. Just questions about your project.
2
No figure is made up. For empty fields, planix suggests benchmark values – they are only used in the calculation after you confirm them.
Nothing made up. Benchmarks only after confirmation.
3
You check every figure. In the finance board you see and change every value before the plan is written.
Everything checkable. Change any value in the finance board.

What planix delivers

One module. Your financial plan.

Paid once, no subscription.

Calculated financial planBusiness & financial planning ProPlanning

Complete business plan with a calculated financial plan, the way banks and funding agencies accept it.

Financial plan over five years
Liquidity month by month
Affordability with traffic lights

Business and financial plan
Financial plan (Excel attachment)

CHF 49 one-timePlan bank-ready

FAQ

Frequently asked questions

Do I need prior knowledge of finance?

No. You answer questions about your offer, prices, costs, staff, investments and equity. planix uses them to calculate the financial plan.

Do I have to work with Excel?

No. You get the plan as Web, PDF and Word. The Excel enclosure with eight sheets is for the bank – so it can recalculate every figure.

Does planix make up figures?

No. Every amount comes from your details or the tables. For empty costs, the finance board suggests an industry benchmark – it is only used in the calculation after you confirm it.

Will the bank accept it?

The plan is structured the way your house bank and the guarantee cooperative expect it – with monthly liquidity, affordability, scenarios and a list of enclosures. Whether a loan is granted is up to the bank; planix gives no commitment.

How quickly will I have my financial plan?

planix calculates immediately once you have completed the questionnaire. After your approval, the plan is usually ready within a few minutes.

What does it cost?

Business & Finanzplanung Pro costs CHF 49 one-time. No subscription.

Your figures. Your plan.
Start now.

Capital requirements, liquidity and affordability – without Excel.

Create financial plan Business & Finanzplanung Pro · CHF 49 one-time · no subscription

Your financial plan.No Excel, no prior knowledge.Your financial plan.No Excel.