A module of the digital founding companion for the United KingdomA planix founding-companion module
Check the purchase price against the cash flow – and give the bank a takeover plan that answers every question.
Price against cash flow, plan for the bank.
Concept freeTakeover plan £39 · Funding programmes £75 – one-offTakeover plan £39 one-off No credit card
planix calculates whether the profit carries interest and repayment on the purchase price – and compares the plan with the latest accounts.
Price against profit and latest accounts.
Debt service and living costs each appear in the plan with a traffic light – year by year, over five years.
Debt service and living costs with traffic light.
The plan with opening balance sheet, purchase price, goodwill and vendor loan – in the chapters the bank reads.
Opening balance, price, forecasts.
Calculate first, then finance, then sign.
Calculate, finance, sign.
The accounts of recent years from the seller – the basis for every calculation.
Accounts of recent years.
Purchase price, equity, loan and vendor loan against the cash flow of the next five years.
Price against cash flow.
The plan for your bank – if collateral is missing, an accredited lender can use the Growth Guarantee Scheme.
Plan and guarantee.
Only sign the sale agreement once the financing is approved.
Approval first, then contract.
Shares or assets change hands; in an asset purchase the staff move to you under TUPE. Then customers and team.
TUPE, customers, team.
Shares or assets? Buying the shares, you take over the company with all its liabilities and pay 0.5% stamp duty above £1,000. Buying the assets, you choose what you take – and the employees move to you under TUPE.
Start for free with the concept. Add the plan and funding programmes as one-off purchases.
Put your idea into a document you can share – before you plan the numbers.
Complete business plan with a calculated financial plan, the way banks and funding agencies accept it.
A profile per programme with amount, requirements, deadlines, application route and official source.
No company valuation. planix does not say what the company is worth – only whether the asking price can be carried by the profit.
No valuation. Only whether the price holds.
You check the contracts. You settle the sale agreement, staff transfer and liabilities with the seller and the bank. planix does not read contracts.
You check contracts. planix reads no contracts.
No invented numbers. Every number comes from your inputs and the accounts – calculated, not estimated.
Nothing invented. Every number calculated.
Buying the shares, you take over the company as it is – with all contracts, staff and liabilities, including unknown ones. You pay 0.5% stamp duty on a price above £1,000 and protect yourself with warranties and indemnities in the sale agreement. Buying the assets, you choose what you take and leave the liabilities with the seller; the employees move to you on their existing terms under TUPE, and the seller must give you their details at least 28 days before the transfer. Which way suits your case, your solicitor and accountant advise.
planix calculates whether the cash flow carries interest and repayment and still leaves you a salary – each with a traffic light. planix does not value what the company is worth.
Business plan with financial forecasts, the company’s accounts and bank statements of recent years, heads of terms or the draft sale agreement. If collateral is missing, an accredited lender can use the Growth Guarantee Scheme.
The seller defers part of the purchase price (deferred consideration). planix includes interest and repayment – and shows how this affects your debt service.
Develop business concept is free. Business & financial planning Pro costs £39, Find funding £75 – each one-off, no subscription.
Yes. You enter today’s numbers or upload the accounts – the opening balance sheet and comparison are built from them.
The concept first. The plan for the bank once the numbers are on the table.
Start for free Concept free · Takeover plan £39 one-off