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 the document list for your lender.
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 investments£62,000
Structural investments£48,000
Intangible investments£9,000
Start-up costs and deposit£14,000
Opening inventory£12,000
Start-up losses and reserve£35,000
Total£180,000

Sources of funds

Equity£60,000
Bank loan£100,000
Missing funds£20,000
Total£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 Employer National Insurance, 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: Office for National Statistics, Department for Business and Trade, ONS Business demography, Eurostat, Companies House, 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 1£320,000£-18,000

Year 2£410,000£12,000

Year 3£450,000£28,000

Year 4£470,000£36,000

Year 5£480,000£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 cash position · Month 7£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	£410,000	£12,000	Month 14
Cautious −20%	£328,000	£-21,000	Month 27
Optimistic +15%	£472,000	£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 file 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 your bank and lender – one-off, no subscription.

Concept plus all the numbers – one-off.

Start-up costs and funding

Need against own money, loans and security – missing funds as a separate line.

Items, sources of funds, gap.

Chapters 7 and 8, Excel

Profit and loss forecast

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

Five years from your inputs.

Chapter 9, Excel

Cash flow

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

24 months individually, then per year.

Chapter 10, Excel

Forecast 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 personal survival budget – each with a traffic light.

Four metrics, survival budget.

Chapter 12, Excel

Scenarios and risks

Result, lowest cash position 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

Documents for the lender you apply to.

Each lender expects different documents. The list in chapter 15 follows your choice.

You choose the lender – the document list follows.

United Kingdom

Your bank: loan meeting, also under the Growth Guarantee Scheme
Start Up Loans: £500 to £25,000 per person, with 12 months of free mentoring

In the plan: Business plan, cash flow forecast and personal survival budget

Also for landlords, partners or just for you – then without a document list.

Supported by leading start-up experts and partners

collumino.com

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 £39 · 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.