Financial Projections & Business Plan

Financial projections and the business plan are the numbers and the narrative that a business presents to investors, lenders and its own board — the projected revenue, costs, profits and cash flow, and the plan that explains how the numbers will be achieved. For a funding round, the projections are the investor's first quantitative look at the business; for a loan, they are the lender's test of the repayment; for a strategic plan, they are the management's own commitment. The projections must be built from the business's actuals and assumptions under the record-keeping framework of Section 128 of the Companies Act 2013.

The projections work only when they are believable. The revenue build-up — customers, pricing, channels — must reconcile to the market and the business's own history; the cost structure must match the operating plan; and the cash flow must be the honest product of the two. Investors test the assumptions, lenders test the repayment, and boards test the commitment — a projection that overpromises fails all three tests at the moment it matters.

The cost of unrealistic projections is the credibility of the plan: a funding round that collapses at diligence, a loan that is sanctioned at a fraction of the ask, a board that stops trusting the numbers. The projections that are conservative, documented and internally consistent are the ones that get the capital.

This service is for businesses preparing projections for funding, lending or planning. We build the financial projections from the business's actuals and assumptions, prepare the business plan that narrates the numbers, tie the projections to the model and the market, and support the presentation to investors, lenders and the board.