Financial Services for Entrepreneurs & Agripreneurs

Financial Analysis

Also referred to as Financial Statement Analysis, or Accounting Analysis or Analysis of Finance refers to an assessment of the viability, stability and profitability of a business, sub - business or project and is performed by professionals by using tools what is called “Business Ratios”.  "Financial statement analysis" is crucial for complying with business laws and regulations, while also meeting the needs of stakeholders and various other parties. But in order to conduct accurate financial statement analysis, developing skills and intuition is as important as following best accounting practices.

  Financial Projections

A business plan is one of the  key building blocks of any business or farming operation. One of its main components should be "financial projections" for your first 3-5 years.

These projections are forecasts of your cash inflows and outlays, income and balance sheet. They show bankers and investors how you will repay loans, what you intend to do with your money and how you will grow. They also help you identify financing needs, optimize your pricing, plan production, time major expenditures and monitor your cash flow. Its normal for some of your initial numbers to be rough guesses since sales will usually be hard to predict.




Financial Budgeting

Financial budgeting is the process of establishing a budget based on information about income and expenses. This will also include (very important) a tracking process and documenting results. In general usage, a financial plan is a comprehensive evaluation of an individual or business current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans.

Budgeting for a business is a process. A business can't open its doors each day without having some idea of what to expect. And it can't close its doors at the end of the day not knowing what happened. A business should plan and be prepared for its future, and should control its actual performance to reach its financial goals. The only question is how. Budgeting is one answer. A business budget is an integrated plan of action - not simply a few trend lines on a financial chart. The four phases of a budget cycle for small businesses are : Preparation, Approval, Execution and Evaluation. A budget makes sure that all the money is being spent in the right direction and financial goals are attained.

Financial Products / Tools

Financial tools for a business or farming operation helps maintain the financial health of the organization by planning, organizing, controlling , and monitoring financial transactions. For profit maximization and cost savings, a steady cash-flow needs to be maintained. By using the right tools and financial management, businesses can keep a tab on the inflow and outflow of cash and budget future expenses.