Guide to Make Business Proposal

In any business, whatever kind, necessarily involve the capital. This capital can we gather from personal savings, borrow from banks or other lending institutions, or a joint venture with a partner. If we intend to borrow to the bank or the lender, you certainly have to make a business proposal. This proposal will be used to provide comprehensive information about the business you want to run.

People usually think, a proposal must be difficult. Apparently not. "A good proposal is a proposal that can explain in detail a business. Not necessarily complicated. It could be a proposal consists of only one sheet of paper, "said Godo Tjahjono, SE, MSi, entrepreneurial business practitioners.


Not everyone knows or knows the business that so interests you. So make the explanations simple and easy to understand. Business proposal should contain the following seven things:


1. Overview of business
This point contains a brief explanation about the efforts that you want to run.

2. Business actors
Write a description about yourself. Enter the educational background or experience that could support the implementation effort. The lender will assume you are the right person.

3. What is sought
This point explains what to focus your efforts, whether in the form of goods or services. Tell your reasons for selecting these enterprises. It would be better if its industry is on the rise or the seemingly everlasting.

4. Target customers
These points describe who your potential customers, whether they are office workers, housewives, or the other. Explain why you chose them.

You should have a deep understanding of this matter because it will greatly assist the business aspects of the other. You so know how to marketing and promotion are most appropriate for them. There will be no time, money, and effort is wasted. Person who gave the loan will see your seriousness, and consider it an advantage.

5. Location
This is one of the important points in the proposal. Explain why you chose a location as a place to do business. You should adjust this location with goods or services offered as well as prospective customers.

If it is engaged in the food, it's very inappropriate when the selected location is close to a landfill. When you target customers from the upper middle class, do not choose a location near the factory. Must be a more comfortable and classy.

The lender will come to see first hand that location, and make an assessment. If the business is located in a less strategic, but still within reasonable limits, make sure the giver of business that you can compensate for this deficiency in other ways. Can a satisfactory service, or quality of goods or services above average.

In terms of marketing can also be optimized by creating an attractive slogans and catchy.

6. Total loans
Previously you had already counted all the points expenditure. In the proposal, indicate the number of loans in accordance with the calculation you make. The bank will ask you the ability to restore the amount of the loan. Give a reasonable explanation.

7. Cash Flow
Cash flow (cash flow) is the translation of income and expenditure plan for the business. Make calculations in detail and realistic. Do not set targets too high in the early months because business was just beginning. After some time, you can just target a number of stable income.

The length of cash flow should be made in accordance with an agreed length of time the loan. When the loan will last for two years, set up cash flow for two years as well. Details are divided in 24 months.

One principle to keep in mind the prospective entrepreneurs, lenders usually do not want to bear all the costs that we need. "They just want to give a percentage of total loans. They want us to also contribute, "said Godo.

So, show me that you also have responsibility for your own business. No matter if you have little money. The important thing is they see your good intentions to try.

Source : http://www.tohanasrudin.com/2010/12/07/panduan-membuat-proposal-usaha/