A module of the digital founding companion for the United KingdomA planix founding-companion module

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

You answer questions about your project. planix calculates start-up costs, cash flow and affordability over five years – the way your bank and Start Up Loans read them.

Five years calculated, from your details.

Start-up costs: every item, against your own money and loansStart-up costs, item by item
Cash flow: 24 months individually – you see when it gets tightCash flow month by month
Affordability: with traffic lights, the way the lender calculatesAffordability with traffic lights

£39 one-timeNo subscription · incl. VATNo subscription No credit card

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

collumino.com

STARTUPS

What it’s about

Three questions every bank asks.

How much money do you need?

Your start-up costs from every item – against your own money and loans. If something is missing, it shows.

Start-up costs and funding.

Is there enough money every month?

Your cash flow month by month. The lowest point determines the reserve.

Cash flow, month by month.

Can the business pay its way?

Loan repayments, equity and what you need to live on – 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

Start-up costs and funding

Equipment, set-up costs, early losses and a reserve – against your own money and loans.

Every item, every source.

Profit and loss forecast

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

Five plan years.

Cash flow forecast

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

24 months individually.

Affordability

Loan repayments, borrowing, equity and your personal survival budget – each with a traffic light.

With traffic lights.

Plus: forecast balance sheet, three scenarios, Excel with eight sheets and the list of documents for your lender.

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 your own money.
No Excel. Just questions about your project.
2
No figure is made up. For empty fields, planix suggests benchmark figures – 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 forecast over five years
Cash flow month by month
Affordability with traffic lights

Business and financial plan
Financial plan (Excel attachment)

£39 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, equipment and your own money. 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 file with eight sheets is for the lender – 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 a sector benchmark – it is only used in the calculation after you confirm it.

Will the bank accept it?

The plan is structured the way your bank and Start Up Loans expect it – business plan, cash flow forecast and personal survival budget, with scenarios and a list of documents. Whether a loan is granted is up to the lender; 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 £39 one-time. No subscription.

Your figures. Your plan.
Start now.

Start-up costs, cash flow and affordability – without Excel.

Create financial plan Business & Finanzplanung Pro · £39 one-time · no subscription

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