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It comprises of 3 elements:",[],{"_key":1454,"_type":170,"children":1455,"level":1250,"listItem":1251,"markDefs":1464,"style":190},"k119",[1456,1460],{"_key":1457,"_type":174,"marks":1458,"text":1459},"k117",[1244],"Assets",{"_key":1461,"_type":174,"marks":1462,"text":1463},"k118",[]," – resources owned by the business",[],{"_key":1466,"_type":170,"children":1467,"level":1250,"listItem":1251,"markDefs":1476,"style":190},"k124",[1468,1472],{"_key":1469,"_type":174,"marks":1470,"text":1471},"k122",[1244],"Liabilities",{"_key":1473,"_type":174,"marks":1474,"text":1475},"k123",[]," – things that the business owes",[],{"_key":1478,"_type":170,"children":1479,"level":1250,"listItem":1251,"markDefs":1484,"style":190},"k127",[1480],{"_key":1481,"_type":174,"marks":1482,"text":1483},"k126",[1244],"Equity – assets less the liabilities",[],{"_key":1486,"_type":170,"children":1487,"markDefs":1492,"style":190},"k130",[1488],{"_key":1489,"_type":174,"marks":1490,"text":1491},"k129",[],"For a startup business, you need to put projections for the sheet. These projections serve as a benchmark for the actual results at the end of the financial year. Potential investors need to study the balance sheet to understand the business’s financial position for that year.",[],{"_key":1494,"_type":170,"children":1495,"markDefs":1500,"style":1187},"k136",[1496],{"_key":1497,"_type":174,"marks":1498,"text":1499},"k135",[],"5. Do a Break-even Analysis",[],{"_key":1502,"_type":170,"children":1503,"markDefs":1508,"style":190},"k139",[1504],{"_key":1505,"_type":174,"marks":1506,"text":1507},"k138",[],"This is an analysis of how much a business should sell to break-even i.e. recoup all its initial expenses. The break-even analysis helps a company determine its pricing and how many more units it should sell at a particular point to cover costs. For instance, if your client pays $100 for a product, the wages cost $30, and the material costs $20. The contribution margin will be $50 ($100-$30-$20=$50). With these, a business can determine the number of sales it requires to break-even.",[],{"_key":1510,"_type":154,"alternativeText":1511,"height":1512,"position":1308,"url":1513,"width":1514},"k140","Assess Your Startup Health with Ratio Analysis",690,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F2b80efc7b0ca7b801c2776b48799d6ea\u002Fbeginner-friendly-financial-plan-for-startups-in-6_body_2.jpeg",920,{"_key":1516,"_type":170,"children":1517,"markDefs":1522,"style":1187},"k146",[1518],{"_key":1519,"_type":174,"marks":1520,"text":1521},"k145",[],"6. Conduct a Business Ratio Analysis",[],{"_key":1524,"_type":170,"children":1525,"markDefs":1530,"style":190},"k149",[1526],{"_key":1527,"_type":174,"marks":1528,"text":1529},"k148",[],"A ratio analysis is a useful tool used by potential investors to assess the relative health of your startup. It can reveal positively and negatively trends in your business performance. The data for ratio analysis comes from your balance sheet and income statement. The ratios obtained should be compared to similar businesses. Here are some ratios that are usually looked at and can be provided by your business advisor or accountant:",[],{"_key":1532,"_type":170,"children":1533,"level":1250,"listItem":1251,"markDefs":1542,"style":190},"k154",[1534,1538],{"_key":1535,"_type":174,"marks":1536,"text":1537},"k152",[1244],"Current ratio – ",{"_key":1539,"_type":174,"marks":1540,"text":1541},"k153",[],"compares current assets to current liabilities indicating a business’ ability can pay its short-term debts",[],{"_key":1544,"_type":170,"children":1545,"level":1250,"listItem":1251,"markDefs":1555,"style":190},"k160",[1546,1551],{"_key":1547,"_type":174,"marks":1548,"text":1550},"k158",[1549,1244],"k155","Leverage ratio",{"_key":1552,"_type":174,"marks":1553,"text":1554},"k159",[]," – shows the ability of a business to pay its long-term debts",[1556],{"_key":1549,"_type":188,"externalUrl":1557,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Fhow-to-use-leverage-ratio-types-formulas-examples",{"_key":1559,"_type":170,"children":1560,"level":1250,"listItem":1251,"markDefs":1569,"style":190},"k165",[1561,1565],{"_key":1562,"_type":174,"marks":1563,"text":1564},"k163",[1244],"Efficiency ratio",{"_key":1566,"_type":174,"marks":1567,"text":1568},"k164",[]," – the utilization of a business’s assets",[],{"_key":1571,"_type":170,"children":1572,"level":1250,"listItem":1251,"markDefs":1581,"style":190},"k170",[1573,1577],{"_key":1574,"_type":174,"marks":1575,"text":1576},"k168",[1244],"Profitability ratio",{"_key":1578,"_type":174,"marks":1579,"text":1580},"k169",[]," – the measure of how the business manages its operations and uses its assets",[],{"_key":1583,"_type":170,"children":1584,"markDefs":1589,"style":1187},"k173",[1585],{"_key":1586,"_type":174,"marks":1587,"text":1588},"k172",[],"Conculsion",[],{"_key":1591,"_type":170,"children":1592,"markDefs":1597,"style":190},"k177",[1593],{"_key":1594,"_type":174,"marks":1595,"text":1596},"k176",[],"A financial plan is an important feature for any startup business and it is definitely more than just the above steps. We also need to decide on the method of financing the business and learn the best ways to approach various types of lenders. Nevertheless, as the saying goes, “A journey of a thousand miles begins with a single step” and by taking these simple few steps, you will be on the path to achieving your goal. Having a clear financial plan, you are less bound to make uninformed decisions and big mistakes that can impact your business negatively as well as helping in landing new investors to fund for your startup business.",[],{"slug":1148,"title":1149},{"_type":154,"alternativeText":1600,"height":804,"url":1601,"width":1602},"Beginner-Friendly Financial Plan for Startups in 6 Simple Steps","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F4048b0aff0245bcac28df2938b71b3b8\u002Fbeginner-friendly-financial-plan-for-startups-in-6-simple-steps_cover.png",1920,[1604],{"_key":1605,"_type":170,"children":1606,"markDefs":1610,"style":190},"k0",[1607],{"_key":1183,"_type":174,"marks":1608,"text":1609},[],"All business startups require a great financial plan to survive in the long run. In this article, we are going to introduce you to the 6 simple steps you ought to take in beginning a financial plan for your startup.",[],[1612,1618],{"_key":1180,"_type":170,"children":1613,"markDefs":1617,"style":190},[1614],{"_key":1183,"_type":174,"marks":1615,"text":1616},[],"All business startups require a great financial plan to survive in the long run. The financial plan helps in supporting a business pitch for prospective investors to win funds, and more! The good news is that you only need to know the important features that should be included in a financial plan to build one.",[],{"_key":1619,"_type":170,"children":1620,"markDefs":1625,"style":190},"k6",[1621],{"_key":1622,"_type":174,"marks":1623,"text":1624},"k5",[],"In this article, we are going to introduce you to the 6 simple steps you ought to take in beginning a financial plan for your startup.",[],"2025-07-03T00:00:00.000Z",{"_type":149,"metaDescription":1609,"metaTitle":1600,"socialShareImageUrl":1628},{"_type":154,"alternativeText":1600,"height":804,"url":1601,"width":1602},"beginner-friendly-financial-plan-for-startups-in-6-simple-steps",1790926622622]