sme biz plan
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How to Write a
Business Plan
for SMEs
For Information on our Products and Services
Call 1-800-88-3898
Email [email protected]
Log on to www.hsbc.com.my Click Commercial
Visit your nearest branch
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Table of Contents
What a Bank Looks For?
Keeping a Clean Record
What is a Business Plan?
What Should Your Business Plan Include?
Checklist for Application of New Banking Facilities
5Cs of Credit
An Introduction to Your Plan
Who You Are and What Your Business Does
Industry, Competitors and Business Strategy
Financials Past, Present and Future
Other Supporting Documents
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What A Bank Looks For?
The 5Cs of Credit
1. Character
2. Capital
3. Capacity
4. Conditions
5. Collateral
The 5Cs of Credit
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Keeping A Clean Record
Not Overdue In Other Loan /
Financing Repayments
No Bankruptcy Issues
No Bounced Cheques
Up-To-Date Audited Accounts
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What is a Business Plan?
A Written Plan Outlining :
1.
2.
Your Vision / Objectives
How The Business Is To Be Managed
To Achieve These Objectives
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An Introduction to Your Plan
Who You Are and What Your Business Does
Industry, Competitors and Business Strategy
Financials Past, Present and Future
Other Supporting Documents
1.
2.
3.
4.
5.
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What Should Your Business Plan Include?
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What Should Your Business Plan Include?
1. An Introduction to Your Plan
Financing Request
Reasons for Future Success
Contact Details
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TypeAmount
Purpose
Repayment
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What Should Your Business Plan Include?
Background & History
Business & Product
A description of your product(s), pictures / samples
Directors & Management Profle
Organisation Chart, Track Record
Business Cycle
Your buyers and sellers
The terms of your business dealings
Production Process
The processes involved in producing your Product(s), Production
Capacity, Volume, etc.
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2. Who You Are & What Your Business Does
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What Should Your Business Plan Include?
3. Industry, Competitors & Business Strategy
Industry Overview
Describe the industry you operate in and how your business fts in this industry
Who Your Competitors Are
The Factors That Will Ensure Your Success
What Is Your Business Strategy
Briey describe your unique value proposition. For example, lower cost hencebetter value for money, your focus on niche markets allows your expertise to
ourish, etc.
Sales & Marketing Strategies
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Strengths Opportunities
Weaknesses Threats
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What Should Your Business Plan Include?
4. Financials Past, Present & Future
3 Years Historical Audited Accounts
Latest Management Accounts
Future Projections At Least 1 Year
Bank Statements & Loan Statements
Repayment Record
Cashow Management
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Products & Solutions
5. Other Supporting Documents
Memorandum & Articles (M&A) or Business
Registration (Form A & D), Business License &Partnership Agreement
Registrar of Companies (ROC) Forms
Creditors & Debtors Details & Ageing
Completed Contracts, Contracts In Hand
The Collateral Offered
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Form 9
Form 24
Form 49
Annual Return
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Checklist for Application of
New Banking Facilities
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http://hsbc_smes8.pdf/http://hsbc_smes8.pdf/http://hsbc_smes8.pdf/http://hsbc_smes8.pdf/