Capital and costs
List investment, operating costs and private living expenses separately. Show how you will cover the capital needed: with your own funds, borrowed funds or a combination of both.
Financial planning: profit and cash flow
Profit and cash availability answer different questions. A profitable order may still create a cash shortage if the customer pays after your bills are due.
What to prepare and check
Realistic revenue
Calculate sales from realistic prices and billable capacity; include cancellations and unpaid administrative work. Check whether planned revenue covers ongoing costs. Assess cash availability separately using the monthly payment plan.
Monthly cash flow
Plan payment dates month by month. Test lower sales, higher costs and delayed payments before making commitments.
FAQ
Your questions about this topic
Why is profit not the same as cash?
Payment terms, VAT, loan repayments and private withdrawals affect available cash differently from accounting profit. Separate fixed and variable costs and one-off investments. Compare conservative, realistic and ambitious scenarios using quotations, prices and justified capacity rather than arbitrary growth percentages.
Put this into practice
Official sources (German)
Discuss your next step
If you would like support, you can use a free, optional first consultation with us. We will look at your situation together and, where helpful, prepare your next steps, documents and questions for the responsible authority.
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Alexander Kotjakovski
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