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CONFIDENTIAL
Business Plan
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STATEMENT OF CONFIDENTIALITY & NON-DISCLOSURE
This document contains proprietary and confidential information. All data submitted to
[RECEIVING PARTY] is provided in reliance upon its consent not to use or disclose any
information contained herein except in the context of its business dealings with Börser. The
recipient of this document agrees to inform its present and future employees and partners who
view or have access to the document's content of its confidential nature.
The recipients agree to instruct each employee that they must not disclose any information
concerning this document to others except to the extent, such matters are generally known to,
and are available for use by the public. The recipient also agrees not to duplicate or distribute or
permit others to duplicate or distribute any material contained herein without Börser's express
written consent.
Börser retains all title, ownership and intellectual property rights to the material and trademarks
contained herein, including all supporting documentation, files, marketing material, and
multimedia.
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TABLE OF CONTENTS
Introduction
Executive Summary…………………………………………………………………………....1.0
Financial Needs and Use of Funds……...……………………………………………………..1.1
Aim……..…………………………………………………………………………………….…1.2
Vision……………………………………………………………………………………………1.3
Mission……………………………………………………………………………………….…1.4
Business Objective………..……………………………………………………………………1.5
The Scalable Model We Have Created……………………………………………………….1.6
Company Summary……………………………………………………………………………1.7
Services………………………………………………………….................................................3.0
Services Description……………..……………………………………………………………..3.1
Mi Wall Street’s Action Plan..………………………………………………………………...3.2
SWOT Analysis………………………………………………………………………………...6.0
Strengths…………………………………………………………………………………..……6.1
Weakness……………………………………………………………………………………….6.2
Opportunities………………………………………………………………………………......6.3
Threats…………………………………………………………………………………………6.4
Management Summary………………………………………………………………………..7.0
Organizational Chart………………………………………………………………………….7.1
Financial Plan………………………………………………………………………………….8.0
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Introduction
This business plan relates to the business activities of BÖRSER. The purpose of this plan is to
lay out a clear and decisive path of action in order to achieve sustainable and successful business
collaboration with stakeholders in the industry and simultaneously create, maintain frequent
returns on the adopted business model. This plan is laid out as per the table of content and it is
self-explanatory. However, this document is confidential and has been made available to the
management of the company strictly on the understanding that its contents will not be disclosed
or discussed with third parties except for the company’s own professional advisors.
Generally, investment in business is synonymous to risk and returns. Therefore, this plan is
strictly for information purposes only and does not constitute a prospect or invitation to subscribe
for shares. Forward-looking projections and statements in the plan are based on the compiler’s
experience and are for illustrative purposes only.
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1.0 Executive Summary
Raising funds to support start up and operation has become big issue for some businesses and
entrepreneurs. Changing market dynamics and need for capital have pushed entrepreneurs to
raise funds through different ways, but difficulty to impress investors and lenders have added
fuel to fire. In effect entrepreneurs and businesses face lot of challenges in fundraising. Even
through crowdfunding has helped lot of individuals and organizations to convert ideas into
reality but still regional issues and limitation of funders or backers do not help all targeted
audience. For that puruit investors need new platform which should facilitate them to raise funds
from lot of individuals and organizations without regional and limited fund providers’ issues.
Issue does not end here; small level investors are much more worried about making effective
investments, and achieving desired results. And current financial markets and organizations
provide complete and desired support to high level investors. In effect, small level investors do
not get benefit even from large number of financial services providers. For that pursuit they need
organization which should provide them financial consultancy, trading signal, forex and financial
support services.
Receiving and sending remittances are the big issues of modern world which are in increasing
trend. Even though large number of firms are available in market, but these do not provide cost
effective and fast remittance support services. In result, remittance senders and receivers face big
challenges. And analysts suggest that organizations can resolve these issues through the help of
blockchain and cryptocurrency platform. Therefore, there is need for cryptocurrency and
blockchain platform which should facilitate remittance support services. Moreover, current rise
of cryptocurrency, blockchain and concept of ICOs have raised various questions over the
vulnerability and securities of these innovative tools and platforms. Market trends suggest that
cryptocurrencies which are developed on bloackchain platform face lot of market fluctuations
and security issues which creates issues for investors. Additionally, initial coin offering, a great
market opportunity, has also become challenge for investors to authenticate and secure funds
invested. Large number of ICO frauds usually happens in market which create doubt about ICO
in the minds of ICO.
Considering diverse nature and level of above issues, BÖRSER has planned to start business
operations and introduce 3 big companies which will provide innovative solutions to diverse
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needs of customers. These companies are Crowding Funds, X-Change and Mi Wall Street.
BÖRSER, Holding Company, uses 3 companies to cover all issues of small level investors,
crowdfunding, ICOs and market vulnerability. On Crowding Funds platform businesses will be
allowed to come in and list their projects either as startups or companies already running
projects. The companies are allowed to raise money using models from ICO (Initial Coin
Offering) by using BÖRSER’s platform for their token backed by shares and then selling same
off to raise money. Tokens and coins for ICO will be traded Over the Counter Style Index on Mi
Wall Street, but funding purpose of tokens and coins sales will be for Crowding Funds. Mi Wall
Street is a hub for investments providing services to investors (large & small) like Multi-Level
Marketing/franchising, Stock & forex brokerage, Financial Services (managed accounts +
trading signals). Mi Wall Street will provide quality services by allowing individuals franchise
through multilevel marketing of products by bringing in the traffic and getting profits from
downline metric system. On the multilevel market platform, payment will be made through
BÖRSER using blockchain technology.
X-Change model can help BÖRSER to easily exchange cryptocurrency tokens and coins with
fiat currencies. X-Change’s first type of exchange is what most people call a fiat exchange. This
is an exchange that allows the direct transfer of US Dollars, Euros and most government backed
currencies to be traded for cryptocurrency. The first type of exchange is what most people call a
fiat exchange. This is an exchange that allows the direct transfer of US Dollars, Euros and most
government backed currencies to be traded for cryptocurrency. X-Chang business model is the
backbone of BORSER which facilitate customers of all 4 companies to exchange cryptocurrency
coins and tokens with fiat currencies. In effect its idea helps all business models of BORSER and
its Affiliated Companies.
In addition to that BORSER also plans to launch BORSER cryptocurrency within upcoming few
years which is purely developed on Ethereum Platform. BORSER Cryptocurrency has innovative
features which include Ethereum platform based cryptocurrency, fastest transactions, high
security, easy to transfer, and easy to convert. BORSER has planned to use three stages in this
project to raise lot of funds and help out investors to make profit. These stages are Private Sales
Pre Sales and ICO. Cryptocurrency expected prices for Private Sales, Pre Sales and ICO are
$0.5, $0.8 and $1 respectively. And company aims to raise lot of funds for 4 companies and
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cryptocurrency platform. Moreover, it plans to launch cryptocurrency after few years of business
in to market. And BORSER Cryptocurrency will also be traded on platform of X-Change and
Crowding Funds which will also help fundraisers to use it as effective tools in achieving
financial goals and objectives.
Walter Gomez, Founder/Chief Executive Officer, is an innovative thinker, analyst and multi-
dimensional professional with exceptional logical, financial and analytical skills who possess
years of working experience in cryptocurrency trading and blockchain platform. The Corporate
office of BORSER and its subsidiaries is located in San Jose, Costa Rica. We also have Regional
Office in London which works in connection with Corporate Office located in San Jose, Costa
Rica. San Jose, Capital of Cost Rica, is in Central Valley which has Talamanca Mountains in
South and Volcanoes in North. Company Offices are connected in a way that it facilitates easy
communication and flow of information. As BORSER, Mi Wall Street, Crowding Funds, and X-
Change uses different offices and tools where BORSER being Holding Company collectively
controls management from other three companies. Furthermore, hiring management and
choosing offices locations in San Jose and London are in accordance with goals and objectives of
Company. Therefore, it competitive advantage for holding company to maximum advantage
form all of its subsidiaries.
Target market of BORSER and its subsidiaries include small level investors, cryptocurrency
investors, all level organizations looking for funds, and people and organizations who want to
exchange cryptocurrencies with fiat currencies. As these companies provide variety of traditional
and non-traditional financial services to variety of individual and organizational customers,
therefore it uses various cryptocurrency and blockchain tools to satisfy the diverse needs of
customers. Looking into the depth analysis of business model of BORSER, Mi Wall Street, X-
Change and Crowding Funds, it shows that all companies work together to help out customers in
investment, fundraising, crypto exchange services and trading signals. In order to serve overall
target market effectively, separate capital and resources have been arranged for each
organization. Therefore, it can serve interests of all customers easily.
Competitors of Mi Wall Street include Wealth Generations, Alpha Spartans and other wealth
management companies in Costa Rica and international market which provide tough time to it.
Even though Mi Wall Street idea is unique, but it faces tough competition from traditional
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businesses at early stage. Crowding Funds experiences competition from crowdfunding
platforms, and ICO Platforms. Crowdfunding platforms include Kickstarter, Indiegogo, and
GoFundMe. And its ICO Platform competitors include Blockdstarter, CoinLaunch, and Lykke
which. Crowdfunding and ICO Platforms competitors compete with Crowding Funds on the
basis of different parameters. X-Change competes with Bitstamp, Polonex, Bitrex, CoinMama,
and CEX.IO. These cryptocurrency exchanges already have great market share and financial
capital to operate. Therefore it is highly challenging for X-Change to give them tough time.
As four companies work separately, therefore each has separate financial needs and start up
analysis. BORSER’s start up and capital expenditure analysis indicate that it needs $682,790 to
finance start up and operations. For startup financing, BORSER aims to use mix of investment
and loan. BORSER’s income statement shows that it will achieve revenue of $2,035,497,
$3,080,255 $4,595,929, $6,820,312.02, and $10,132,416.06 during first, second, third, fourth
and fifth year of business respectively. It means that Company is expected to achieve great
revenue growth throughout upcoming five years. Mi Wall Street, Subsidiary of BORSER, needs
$592,940 to finance start up and operations. Financial projections of Mi Wall Street indicates
that Company makes revenue of $5,804,540, $7,545,902, $9,809,673, $12,752,574, and
$16,578,347 during first, second, third, fourth and fifth year respectively. Moreover, it also
makes profit of $3,360,073, $4,550,498, $6,104,982, $8,133,102, and $10,777,387 during 1st,
2nd, 3rd, 4th and 5th year respectively. It shows that Mi Wall Street makes great revenue and profit
throughout five years era.
Crowding Funds needs funds $784,340 for startup and operations. These funds will be utilized
in order to provide quality ICO services to customers. Revenue and profit analysis indicates that
Company makes revenue of $3,382,434, $5,215,891, $8,119,284, $12,781,116, and $20,387,689
during 1st, 2nd, 3rd, 4th and 5th year respectively. On other hand its Net profit results shows that
Company makes profit of $1,620,825, $2,875,926, $4,878,272, $8,109,681, and $13,400,471
during 1st, 2nd, 3rd, 4th and 5th year respectively. In this way, Crowding Funds make revenue and
helps company to achieve overall annual sales of $100m from all three subsidiaries including
holding Company. X-Change Company also needs funds of $674,440 for startup and operational
funding and resources. Financial projections of X-Change show that Company makes exchange
revenue of $3,548,007, $5,066,555, $7,242,193, $10,362,594, and $14,842,919 for 1st, 2nd, 3rd,
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4th and 5th year respectively. On other side during 1st, 2nd, 3rd, 4th and 5th, it makes profit of
$1,804,093, $2,841,092, $4,336,510, $6,491,590, and $9,596,862 respectively. Financial
projections are in favor of starting all four companies simultaneously. Considering the all
dynamics of BORSER, Mi Wall Street, Crowding Funds, and X-Change, required funds should
be arranged. Without arrangement of required funds these business models can never be
implemented.
BÖRSER shall employ an integrated marketing strategy to reach its customers. The company
shall maintain an intensive marketing campaign that would ensure critical promotion of the
business. BÖRSER would focus on gaining brand recognition and establishing mutual business
relationships in the industry. SWOT Analysis indicates that strengths of Companies include
business model, team of experts, management information system and online CRM tools.
Weaknesses of business include lack of reputation in market, insufficient funds. On other hand
opportunities include participation in a high demand and growing market, opportunity for large
increase in client-base, current trends in the cryptocurrency market present business
opportunities. Threats of four companies include tough competition, changing consumer
preferences and fluctuation in cryptocurrency market..
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The road map above clearly define “budget” on how we are going to spend the funds raised, and
how they will be used in each phase. The breakdown is as follow in line with the above road
map.
NOTE: Call option is defined as it is an agreement which helps investor to purchase stock, bond,
commodity or any financial security within defined price for defined period of time which is not
obligation for investor. Call option directly helps investor to make right choice. For example if
one investor opts for call option of Google for $1000 per share price till December 2018. In case
investor perceives that Share price of Google will rise and reach to $1100, then one will purchase
share at $1,000 to enjoy profit on price capital gain. In this way, call option is best choice for
investors.
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Financial Projection
BÖRSER financial projection shows that the company can utilize its assets to stimulate business
growth in the nearest future. The company projects a steady growth with significant net income.
Therefore, it is worth stating up front that BÖRSER is extremely encouraged by the research
piece that supports the philosophy behind investing in this venture. However, this document
alone does not constitute an offer of any type; neither does it provide any guarantee, financial,
or otherwise. Risks associated with this business activities are not limited to those detailed in this
document. Therefore, this business plan is presented as a detailed blueprint to what a value-
driven company represents as the industry evolves in response to political, social, corporate and
industrial dictates.
1.2 Aim
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1.3 Vision
Our vision is to change the financial markets with our group of companies utilizing blockchain
technology, by creating a sophisticated investment vehicle that will bring underlying assets in the
form of crypto currency.
Corporate Strategy
➢ Focus on achieving sustainable organic growth, through profit retention. All revenues will be
put back into the business with the purpose of strengthening the business activities of
BÖRSER for improved patronage and high market reach.
➢ Gain market share via effective utilization of word of mouth advantage and bounty program.
➢ To build business relationship with stakeholders in the cryptocurrency market and solidify
the values and caliber of the brand.
➢ To operate professionally in a socially responsible manner. (Ethically).
Goal
➢ Develop mechanisms that support professionalism, customer satisfaction and wider market
reach.
➢ Continue to successfully manage and grow BÖRSER’s brand while expanding into other
complimentary markets in the cryptocurrency industry.
➢ Target double-digit returns for investors.
➢ To be the new face of the cryptocurrency market.
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➢ Using 3 Companies and Holding Company to help out small level investors to take
maximum advantage of traditional finance and cryptocurrency market. BÖRSER, Mi Wall
Street, X-Change, and Crowding Funds should help investors to take maximum advantage
from cryptocurrency and blockchain platform.
➢ Using crowdfunding approach through ICOs and give customers peace of mind by making
sure that only real and authentic companies can opt for ICO. We aim to use Companies
Background Check which proposes to provide in-depth analysis about Company. Through
Backgorund Check scams of ICO will be minimized to possible level.
➢ To implement specific measures such as feedback and review for customer satisfaction.
➢ To attract, maintain and expand customer base in the industry.
➢ To engage in business alliances with a view to expose BÖRSER to business opportunities.
➢ To establish good working relationships with our present markets by meeting with the
decision makers and plotting a mutual plan for success.
➢ To develop a sustainable, efficient and reliable cryptocurrency business relationship with
viable clients.
➢ To make this company a profitable one within the very first year.
Financial Objectives
➢ Increase revenue annually.
➢ Review financial activities quarterly.
➢ Increase streams of revenue via diversification and operational expansion.
➢ Prepare financial statements in accordance to globally accepted accounting procedures.
➢ Ensure adequate and effective internal controls are installed and maintained to ensure
security of financial assets.
Marketing Objectives
➢ Engage in marketing efforts that propels market reach.
➢ Expand marketing horizon.
➢ Offer incentives to efforts that drive referrals to BÖRSER’s service.
➢ Execute marketing plan professionally.
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BÖRSER recognizes that success in business is based on unconditional commitment and focus
on transforming business goals into market reality. Being a company with the commitment to
proffer solution to needs through a proprietary cryptocurrency (coin) and blockchain platform; it
is believed that the most important factor that defines success is value. Keys to success include;
➢ 100% customer satisfaction.
➢ Aggressive marketing through SEO, social marketing and targeted advertising.
➢ Recruitment of experienced and committed workforce through professional testing and HR
processes.
➢ After formation of organization strong collaboration among different departments will be
developed
➢ Cost cutting through erasing all unnecessary activities of operations
➢ To become an active and ethical member of cryptocurrency and blockchain community.
➢ To build and maintain high reputation for excellence in the industry.
➢ Clear cut standard operating procedure, policies and system requirements are the core of
BÖRSER
➢ Effective management information system and
➢ Need for sufficient capital to run business.
‘BÖRSER to increase success rate through adherence to strategic plans, effective
communication, customer satisfaction and management of financial plans in accordance to its
corporate goals’
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crowdfunding platform (Crowdfunds) are made. The company plans to deliver exceptional
customer service that retains and maintains a growing customer base in the cryptocurrency
industry.
During Phase I Mi Wall Street will not only become the biggest Forex, Stock and Crypto Broker
in the world and the first company to offer all markets related services to small investor but it
will make all of the above available via a MLM like franchising product utilizing Börser’s
decentralized blockchain platform and proprietary currency while at the same time it will allow
its clients and members to keep multicurrency accounts (inclusive of Börser’s currency). At this
stage Mi Wall Street will pursue the necessary licensing requirements at a recognized
jurisdiction that will allow it to engage in the aforementioned activities. An Investment fund
using Börser’s cryptocurrency will be created to capitalize various projects. At Phase II Mi Wall
Street will develop an expert trading system based in artificial intelligence for all of our in-house
trading. At the same time it will acquire a license as a financial advisor and will register a Hedge
Fund to attract institutional investors.
Multi-Level Marketing (MLM) BÖRSER aims to use Multi-Level Marketing Strategy to for
Mi Wall Street. Mi Wall Street, investment hub, uses proposes to use different online and offline
tools to value add towards its fundraising plans. Multi-level marketing strategy of Mi Wall
Street is expected to help out Company to promote it to lot of customers and increase customer
conversion. In effect, it will bring more funds and sales to Company.
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CROWDING FUNDS
On this platform, businesses will be allowed to come in and list their projects either as startups or
companies already running projects. The companies are allowed to raise money using models
from ICO (Initial Coin Offering) by using BÖRSER’s platform for their token backed by shares
and then selling same off to raise money. Tokens and coins for ICO will be traded Over the
Counter Style Index on Mi Wall Street, but funding purpose of tokens and coins sell will be for
Crowding Funds. Over the Counter Trading of tokens and coins for Crowding Funds relies on
the concept of direct selling to final customers who will help Companies to raise funds. And
Crwoding Funds will charge some fees as commission from ICOs of companies. Just as in its
immediate competitor, Sprintx a platform for entrepreneurs and the development of new business
ideas, that will open up the potential of the cryptocurrency market with the support of SwitchX
as a multifunctional exchange with debit card access.
However, investors need to go to Börser site to search for different OTC pre sales and ICO.
Varity of pre sales and ICO packages are available which suits the varying needs of buyers. And
these tokens and Coin Pre Sale and ICO are purely designed to motivate investor for great
funding. In result, it will help Crowdingfunds to raise huge amount of funds for start up and
operations.
X-CHANGE
X-CHANGE focuses on exchanges between BÖRSER’s cryptocurrency and fiat money,
allowing users have a wallet and linking their debit cards to their wallets for access to funds,
leading to the BÖRSER’s slogan: “SPEND IT, TRADE IT OR JUST RECEIVE DIVIDENDS”.
In the future, X-CHANGE will trade partnerships as in the case of that engages
buying and selling in stores. X-CHANGE will provide users with white label solutions where its
technology and platform can be used for credit card processes with a focus to integrate the 3
brands. X-CHANGE will also develop a remittance service by transferring money and paying a
very low service fee and have immediate access to funds, being a scalable business.
X-Change model can help BÖRSER to easily exchange cryptocurrency tokens and coins with
fiat currencies. BÖRSER, Mi Wall Street, Crowding Funds and X-Change will purely use
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cryptocurrency token model to achieve different fundraising aims and objectives. In addition to
that these four companies will use blockchain technology as tool to make revenue and grow.
➢ The first type of exchange is what most people call a fiat exchange. This is an exchange that
allows the direct transfer of US Dollars, Euros and most government backed currencies to
be traded for cryptocurrency.
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2.0 Registered Name and Corporate Structure
BÖRSER is a private liability Company created under the Costa Rican business laws. BÖRSER
іѕ the dіgіtаl сurrеnсу wallet and рlаtfоrm which works on Ethereum platform, where mеrсhаntѕ
аnd соnѕumеrѕ саn conduct trаnѕасtions wіth new digital сurrеnсіеѕ. We operate and trade our
cryptocurrencies in global market, but our operational base is in San Jose, Costa Rica.
Cryptocurrency or digital currency іѕ thе world's most wіdеlу used аltеrnаtіvе сurrеnсу wіth a
tоtаl mаrkеt cap of аррrоxіmаtеlу $326.54 billion in April 2018. Thе Cryptocurrency nеtwоrk іѕ
made up оf thоuѕаndѕ оf соmрutеrѕ run by individuals all оvеr thе wоrld.
Walter Gomez, Founder/Chief Executive Officer, is an innovative thinker, analyst and multi-
dimensional professional with exceptional logical, financial and analytical skills who possess
years of working experience in cryptocurrency trading and blockchain platform.
The company is starting with a very experienced team, with many great contacts of decision
makers within the industry. We know extremely well the needs of the industry in our area of
work and have the capability to deliver above and beyond the expectations. We want to take this
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business further and develop a design studio to push the boundaries of how people use our
products, the more and more limited opportunity within what we call BÖRSER.
We enjoy working in this industry and have made many contacts and friends over the last couple
of years. We feel those contacts themselves will provide guarantee, and the business will do well
as these individuals will be willing to buy from us because of the trust we have established with
them.
To provide a starting point for the development of BÖRSER’s risk assessment methodology; the
following preliminary risk matrix outlines typical risks associated with doing business in the
industry.
Risk Factors
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Risk #1 - Distinguishing BÖRSER’s brand in the cryptocurrency industry
Mitigation Strategy:
➢ Plan and execute operational/marketing strategies professionally.
➢ Continually improve on customer service and build relationship with core targets in the
market.
➢ Communicate products’ value to customers and form mutually beneficial alliances with
stakeholders in the industry.
➢ Develop strong online and on-site affiliations.
➢ Maximize viral marketing activities.
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various social media platforms. Also, a continuous proof of operational excellence would go a
long way in promoting the brand locally while engaging online interface with current/prospective
customers is equally critical towards fostering customer base expansion in the industry.
3.0 Services
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BÖRSER offers a combination of e-currencies transfer support services. If you can think of it,
we can create it. We are leading e-commerce website, which has been working with the e-
currencies market. We are trusted by Our Clients because we go beyond their imagination when
solving their e-payment problems, they have been part of our service and that is why our network
is growing without limitation. We are a licensed and accredited Digital Currency Exchange
Provider.
Our service gives you a quick, easy and most importantly, safe method to get digital currency in
or out of your account. We have years of e-commerce experience and pride ourselves on our
superb customer service.
If you have “X” project looking for “X” amount of capital you will be able to receive the funding
you need by creating a token of your own using BÖRSER’s proprietary cryptocurrency, then you
will launch an ICO to allow potential investors from all over the world to invest in your ICO
using BÖRSER’s Cryptocurrency (BOR).
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Business Model
BÖRSER’s business model will allow CROWDING FUNDS to profit from every project is
funded by investors as it will provide its services based on a fixed percentage fee. By requiring
the use of BÖRSER’s Cryptocurrency for every new ICO and every investment made in the
platform we guarantee the continuous increasing value of BÖRSER.
An index of Crowding Fund’s hosted projects post ICO will be created and will allow investors
to become a part of said companies while bringing liquidity to the tokens created in the platform,
which at the same time will increase the use of BÖRSER’s Cryptocurrency (BOR) and will of
course contribute to increase its value.
Mi Wall Street is a Forex broker working under license of a liquidity provider. It’s difficult to
find a reliable forex broker, and it’s nearly impossible to find a company that provides all
services related to financial markets under one roof, the same way as it is impossible to find a
company that provides certain high quality services to small investors, such as managed accounts
or efficient trading signals.
Mi Wall Street comes as an answer to all of the above problems; it will provide the following
services:
If you look at this from the other side of the table trying to set up a licensed brokerage is very
difficult and expensive, in order to solve that problem we have decided to turn Mi Wall Street
into a Multi-Level Marketing (MLM) franchise-style corporation that will come to innovate in
this arena and will make traditional brokers obsolete.
We will also innovate by becoming the first decentralized MLM Company by using BÖRSER’s
proprietary platform, as well as BÖRSER’s cryptocurrency (BOR) as the currency used to pay
all of its members.
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3.2 MI WALL STREET’s Plan of action
During Phase I Mi Wall Street will not only become the biggest Forex, Stock and Crypto Broker
in the world and the first company to offer all markets related services to small investor but it
will make all of the above available via a MLM like franchising product utilizing BÖRSER’s
decentralized blockchain platform and proprietary currency while at the same time it will allow
its clients and members to keep multicurrency accounts (inclusive of BÖRSER’s currency). At
this stage Mi Wall Street will pursue the necessary licensing requirements at a recognized
jurisdiction that will allow it to engage in the aforementioned activities.
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4.0 Market Analysis Summary
The Global Cryptocurrency market has witnessed undulating growth in the period but has seen
substantial growth in terms of trade volume. The market is led by Bitcoin, however competing
currencies have emerged in the global scenario which have been built upon the blockchain
technology first introduced by bitcoin but have been equally innovative. The market was
estimated to be USD 19.481 billion for Bitcoin alone. The other currencies however have
substantially lesser value than that of Bitcoin. The market is further expected to grow in value as
well as volume and also see widespread use of cryptocurrency amongst the general populace.
The market remains largely unregulated; however regulation of cryptocurrency exchange is
seeing the light of the day.
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Leading cryptocurrencies are Bitcoin, Ethereum, Ripple, Litecoin, Bitcoin Cash, EOS, Stellar
and Cardano where market is dominated by Bitcoin. Statistics shows that Cryptocurrency has
market capitalization of US$341.133b along Bitcoin dominance of 40.6%.
As you may know, the crypto-coin market is already gathering enough momentum and in order
to survive this world, BÖRSER needs a unique and effective cryptocurrency marketing strategy.
➢ Smаll to Mіd-ѕіzе Businesses. All buѕіnеѕѕ оf 50 tо 500 employees аrе іdеаl rеgаrdlеѕѕ оf
іnduѕtrу. Thеу рurсhаѕе wеbѕіtе, E-commerce, dаtа networks, соmрutеrѕ, аnd Wеb ѕеrvісеѕ
with bitcoin. New fееdеr buѕіnеѕѕ wіthіn thе semi-conductor, іnѕurаnсе, accounting, medical,
аnd mаnufасturіng іnduѕtrіеѕ аrе рrіmе targets.
➢ Cоnѕоlіdаtіоnѕ and Mеrgеrѕ. Thеу look for outsourcing and nеw wауѕ fоr implementing
Web-based applications, intranet hоѕtіng аnd dеvеlорmеnt, e-portals, е-mаrkеtѕ аnd ѕuрроrt
tо grоw their buѕіnеѕѕ while сuttіng соѕt, the outsource firm carryout all transaction through
bitcoin.
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➢ Constant internet support, blogging and Email advertising to current clients and potential
leads
4.3 Market Trend
In 2015 bіtсоіn wallets rеmаіnеd in a роѕіtіvе grоwth trеnd, аlthоugh thеу didn’t see аѕ muсh
grоwth as bіtсоіn еxсhаngеѕ did.
Aѕ рісturеd above, wаllеt vеnturе саріtаl іn 2015 rеmаіnеd ѕоmеwhаt flаt. A соntrіbutіng fасtоr
tо thіѕ mау bе that іnvеѕtоrѕ don’t hаvе a соmрlеtе picture on hоw wallets аrе аblе tо remain
sustainable іn a vоlаtіlе mаrkеt аnd whаt their buѕіnеѕѕ mоdеl mау be fоr generating rеvеnuе.
Wе knоw thаt Blосkсhаіn which is оnе оf thе mоѕt popular bіtсоіn wallets, uѕеѕ аdvеrtіѕіng аѕ
thеіr mаіn source оf rеvеnuе. However, fоr lеѕѕеr knоwn wаllеtѕ, advertising may not bе best
buѕіnеѕѕ model. We’ve ѕееn оthеr wаllеt developers іnіtіаtе оthеr ways оf gеnеrаtіng rеvеnuе,
ѕuсh asMultibit which uѕеѕ a реr trаnѕасtіоn fee mоdеl. A nеwеr trеnd аrе universal wаllеtѕ,
which hаvе features ѕuсh аѕ ѕtоrіng, buying, and ѕеllіng bitcoin аll-іn-оnе ѕеrvісе, plus оthеr
fеаturеѕ such аѕ block еxрlоrеrѕ, altcoin ѕwарѕ, аnd so оn where thеrе is more орроrtunіtу tо
generate revenue іn other wауѕ. Wаllеtѕ thаt have more rоbuѕt features may gеt more attention
than thоѕе who are ѕіmрlе storage-only wаllеtѕ.
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In this slide, CоіnDеѕk ѕhоwѕ thаt thе Blосkсhаіn nеw wallet grоwth showed ѕіgnіfісаnt grоwth
іn thе last ԛuаrtеr оf thе уеаr, whісh is іn tune wіth the bull mаrkеt trеnd mеntіоnеd аbоvе. Thеrе
are several other wаllеtѕ too that аrе drіvіng bitcoin аdорtіоn, ѕuсh as Elесtrum, Breadwallet,
Airbitz, Multіbіt, Schildbach, Xapo, аnd Mycelium. In our Fаll 2015 bіtсоіn wаllеt ѕtаtіѕtісѕ
rероrt, there were аlrеаdу оvеr 12 mіllіоn bitcoin wallets and grоwіng with thе fоurth ԛuаrtеr оf
2015 to gо. Wе expect thаt the numbеr оf wаllеt uѕеrѕ wіll соntіnuе to rіѕе, dеѕріtе venture
саріtаl, аѕ wallet uѕеrѕ іѕ a direct rеflесtіоn оn thе numbеr оf bitcoin users whісh continues tо
grоw year-over-year аѕ the technology bесоmеѕ mоrе popular.
Ovеrаll, frоm thе CoinDesk rероrt аnd frоm оwn аnаlуѕіѕ, bіtсоіn wаllеtѕ соntіnuеd tо ѕhоw
positive ѕіgnѕ оf grоwth dеѕріtе lасkіng nеw іnvеѕtmеnt capital. It will bе a сhаllеngіng уеаr fоr
wаllеtѕ, as thеrе аrе ѕеvеrаl bіg changes соmіng dоwn thе rоаd tо thе bitcoin соrе bаѕе соdе such
as Segregated Witness, whісh wіll rеԛuіrе wаllеtѕ tо соmmіt to mаjоr development time to mаkе
themselves соmраtіblе wіth the nеw code changes. Fоr wallets thаt аrе аlrеаdу running bеhіnd,
thіѕ could be thе trigger for ѕоmе tо ѕhuttеr. Wе’ll рrоbаblу ѕее some mergers аnd acquisitions in
thіѕ mаrkеt аѕ well. All in all, 2017 should bе an interesting year.
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4.4 Competition
In Cryptocurrency, there are a lot of competitors right now and you can find already established
platforms such as Waves and counterparty or Ethereum. When it comes to Mi Wall Street you
can find some similarities as far as the model goes with Wealth Generators and Alpha Spartans.
When it comes to Crowdingfunds you can find “traditional” crowdfunding platforms such
Indiegogo and Kickstarter and if we talk about X-Change you can find competitors such as
localbitcoins.com.
The Company’s market competition lacks any one clear leader. The competition is vast and
diverse with no uniform similarities amongst firms, creating substantial market opportunities.
Competition services are abundant with most offering over five different services. As a new
company, BÖRSER intends to maintain a narrow niche to allow for future growth once
established. BÖRSER aims to maintain the following advantages over existing competition:
Strategic partnerships with more experienced employees who have supervisorial positions and
years of experience; BÖRSER’s has a credibility edge with certification and trade memberships;
is locally owned and operated with staff whom all of which have global ties and experience;
provides and markets more ethical services without receiving kickbacks from our services;
looking at Multi-Level Marketing, combined with Capital Markets, Crowdfunding and
Cryptocurrencies.
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thus offer prospective businesses and clients with a great service from a company that is worthy
of trust.
There are many factors that have a direct influence in whether an ICO can be successful or not.
In order to define what are the causal factors that will determine the result of an ICO we have
studied many different ICO’s both successful and unsuccessful ones and have enhanced each and
all of the key features present in all successful ICO’s with additional ingredients taken from
successful case studies of start-up companies from Silicon Valley.
Some of the key factors that will turn BÖRSER into a successful project are the following:
➢ We have designed a very complex and unique product capable of satisfying both the Crypto
investors as well as the most demanding sophisticated investors. We are creating a very
flexible platform developed with the most commonly used programming language. We are
evaluating to incorporate the use of Atomic SWAP in our platform.
➢ Team members: Our team represents business ethics; values such integrity, hard work and
transparency are key to make our projects successful. We have the necessary knowledge, as
well as the ability to learn and evolve, and the willingness to do whatever it takes to turn
BÖRSER and the projects behind it into winners. We will also bring a world class advisory
board that will give BÖRSER the credibility necessary for a successful Pre-ICO and ICO.
➢ We are looking at Multi-Level Marketing, combined with Capital Markets, Crowdfunding
and Cryptocurrencies what makes it a market of over $1 Trillion. By creating a community
that will adopt BÖRSER’s native cryptocurrency and utilize in these markets we are assuring
its continuous growth in value as its adoption worldwide.
➢ Ability to receive investments under unique circumstances: Cash in a few different countries,
as well as transfers and deposits in Venezuela, USA and Panama during and after the Pre-
ICO and ICO is a unique advantage hard to find in any other PRE-ICO or ICO.
➢ Perfect timing: We have momentum and traction, and the advantage of doing our round of
financing during what can be the best time to run a Pre-ICO and ICO due to the lack of
regulation and the boom that the market is currently experiencing.
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Crowding Funds is expected to face tough competition from companies providing ICO services,
cryptocurrency exchanges and ICO Listing platforms. Some of leading competitors of Crowding
Funds include Blockdstarter, CoinLaunch, and Lykke ICO Platforms. These platforms compete
with Crowding Funds in ICO services, ICO listing and fundraising dynamics in cryptocurrency
and blockchain technology. In addition to that crowdfunding platforms including Kickstarter,
Indiegogo, GoFundMe, and YouCaring are also the tough competitors in traditional fundraising
context. Therefore Crowding Funds should make effective plans to deal with them.
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company’s brand equity in the cryptocurrency market. The management team shall engage
effective marketing platforms necessary to command a share of the market.
The company’s strategies shall utilize the following elements:
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Finally, BÖRSER would register with online directories so as to be visible when searches are
made online (via sites like Google, Yahoo, etc.). In summary, the company shall engage both on-
site and online marketing campaigns in order to achieve wider market reach. The marketing
strategy is based on the need to generate brand awareness, ensure easy access to the line of
product and position the brand for stability and growth in the cryptocurrency market.
BÖRSER shall employ an integrated marketing strategy to reach its customers. The goal of the
marketing plan is to create a marketing platform that would attract customers to patronize the
products. The company shall maintain an intensive marketing campaign that would ensure
critical promotion of the business. BÖRSER would focus on gaining brand recognition and
establishing mutual business relationships in the industry. Below is an overview of the marketing
strategies and objectives.
MLM Players include
Marketing Objective
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The strategy is to grow the business by nurturing clients and distinguishing the products from
immerging competitors’, particularly through viable operational strategy and solid business
ethics. All criteria from product development to customer service are to be looked into
thoroughly to ensure continuous improvements. Professional alliances and collaborations with
stakeholders are to be adopted as strategy for market penetration while training is conducted on a
regular basis to ensure that staff fully meets customer’s expectations.
Undoubtedly, customer’s agitation on the internet will be a powerful form of promotion mainly
because it is flexible enough to enable engagement with potential customers any time. Another
important determinant in utilizing the internet is the fact that potential customers typically
conduct preliminary searches on companies with the right expertise and certification to proffer
cryptocurrency services. BÖRSER would be on hand to establish business relationships with
these customers online.
However, BÖRSER shall develop a wholesome marketing campaign and invest in marketing
activities that establishes, expands and strengthens the company’s brand for greater patronage.
The management board shall employ relevant marketing avenues with a focus to position the
business for market share control.
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6.0 SWOT Analysis
We believe risks are a part of any business, especially a new one. BÖRSER like any other
business set up is not without risks, we welcome these and we are prepared to manage them
adequately. So therefore we underline basic SWOT that associated with our establishment.
BÖRSER forecast its strength as the ability to respond quickly and positively to market
demands. In addition to this, through a visible and dynamic marketing effort, accompanied by
effective management system, BÖRSER intends to become a force to reckon with in the
cryptocurrency market.
The management team’s knowhow and extensive experience in the industry would help the
company to penetrate the market expansively and professionally. The SWOT analysis presented
below is designed to shed further light on the competitive environment surrounding BÖRSER.
Strengths: Weaknesses:
➢ Diversified client base: This will ➢ Testimonies of dissatisfaction from
reduce dependency on one particular customers.
market. ➢ Insufficient financial capability to
➢ Quality driven and value packaged. translate plans into market reality.
➢ Combination of skills in employees: ➢ Lack of reputation in the market.
The Company would continually ➢ Lack of clear strategic allies.
engage well-qualified and ➢ Ineffective market awareness may weaken
experienced staff for the execution of the brand in the industry.
its business activities. ➢ Operating under a weak brand base.
➢ Online engagement with customers. ➢ Product’s ineffectiveness.
➢ We are adding an innovative product
backed by 3 innovative companies
with focus upon the small level
investor. As fewer services are
provided by traditional and modern
financial services companies to small
level investors. Therefore, our
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companies serve the diverse needs of
individuals and businesses.
Opportunities: Threats:
➢ Participation in a high demand and ➢ Some sort of catastrophic event that may
growing market. have significant effect on the business.
➢ Opportunity for large increase in ➢ Lack of immunity to economic
client-base. downturns.
➢ Current trends in the cryptocurrency ➢ The threat of new entrants is real.
market present business Although entry costs remain high, recent
opportunities, which may be fully entries have taken a strong foothold in the
utilized. market.
➢ Opportunity for partnership and ➢ Unfavourable government regulations.
business expansion. ➢ Lack of sufficient capital may pose threat
to business success.
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7.0 Management Summary
The management team is home to the best. BÖRSER has all the knowledge and experience and
they are backed by a world class advisory board. They are deep thinkers, future-forward minds,
very experienced on startups and raising capital, quality-minded and dynamic in business
leadership. It is expected that their areas of strength would help to build the needed structure for
the company to thrive in the industry.
Walter Gomez, Entrepreneur and Idea Champion, experienced and observed various investment
and money making issues with small level investors where they faced challenges in investment
market, crowdfunding and brokerage market. Story does not end here, He planned to analyse
cryptocurrency, ICO, and cryptocurrency exchanges market, but high fluctuations, higher
transaction cost and security issues in cryptocurrency and cryptpocurrency exchange market
made him understand the dark side of industry. Walter Gomex was worried a lot, and then one
day he came up with idea which focused to use mix of traditional finance and cryptocurrency
market in order to create great opportunity for small level investors. For that pursuit, Walter
Gomez planned an idea which focused upon formation of 4 companies where one company is
holding company. These companies are Mi Wall Street, Crowding Funds, X-Change, and
BORSER. Mi Wall Street is investment hub for small level investors whereas Crowding Funds
acts Crowdfunding Platform which uses initial coin offering as main tool to help out investors
from all over the world. On other hand X-Change facilitates exchange of cryptocurrency and fiat
currencies, and provides easy payment solution to customers. In the end Walter Gomez planned
to start Holding Company named BORSER which will have shares of all three companies. And it
will provide major solution to traditional and modern finance problem. In this way Owner and
CEO aimed to provide solution to diverse needs of small level investors in all over the world.
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Angel Silva, Computer Engineer, with more than 10 years of experience in the development of
web applications. He has worked on many projects as Freelance, which involves the
management of several technologies related to the development of applications on both the
Frontend and the Backend side. His career has focused on the creation of safe, intuitive and
efficient technological tools. With great knowledge in the configuration and maintenance of
servers based on linux, and with great expertise to detect errors in computer systems. Self-taught
and entrepreneur has studied the technologies related to the blockchain and has been involved in
several projects related to bitcoin.
Edward Roworth is the Chairman of the Board of Director, his key strength is that he has been
a successful UK businessman in range international companies, including the practical aspects of
building the companies and Managing Director since 1979, and more recently Chairman. At the
same time he has been deeply committed to the environmental and social sectors. Edward
Roworth is a clever entrepreneurial businessman with an eye to innovation and the future.
Dylan John Roworth (BA) was full time privately educated in London up to ‘A’ Levels in
Leeds Metropolitan University 1999-2003. He achieved YMCA Level 3 Personal Trainer and
Level 2 Fitness Instructor. As a dedicated personal trainer within the City of London area Dylan
offered professional advice in nutrition and one to one fitness tuition, motivation and guidance.
After qualifying from Leeds Dylan entered the family business and was soon leading a large
department specialising in Hal Al meat, which imported and exported globally. Dylan John
Roworth joined The Board and took responsibility to directly work with the company CFO.
Jorge Montero is a Costa Rican attorney with over 28 years of experience, specialized in
Criminal, Commercial, Finance, Civil, Agrarian and Environmental Law. As President of
ACMBA he has been involved in banking, financial projects, cryptocurrency, hotel
developments, real estate and golf club developments, agro industrial projects, project
management and various other business projects.
ADVISORY BOARD
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Chairman
Board of
Directors-CEO
PHILIP HALL has spent the last 25 years pioneering new technology in air quality control and
waste to energy. In 1999 Philip invented an air purification system which destroyed dangerous
pathogens such as lethal anthrax, tuberculosis and all know airborne bacteria and virus. His air
purification system underwent rigorous trials at the internationally recognised Porton Down
which is home to the British Defence, Science and Technology Laboratory. Such was the interest
that a BBC Television crew accompanied him to Russia to film a short documentary showing his
product installed in Russian hospitals, prisons and food preparation factories.
Charles Waldegrave An astute entrepreneur who jointly led a New Zealand based NGO for 33
years called the Family Centre that operates internationally. Family Centre won a World Bank
prize for Climate Change adaptation developing cyclone proof housing in Samoa even as we
worked in all continents. Charles led the research Unit and published regularly in a broad range
of journals. His work has been deeply committed to anti-poverty measures, economic
sustainability and pathways to employment and economic success. Charles has been involved in
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the business since its inception in 2012. His Highest level of Education is MA (Hons) Waikato
(NZ), MA (Hons) Cambridge (UK) and a Position in business as Research Director.
Founder/CEO
Board of Directors
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8.0 Financial Plan
Loan $ 307,255.50
Investment $ 375,534.50
Desired fundraising and Loan $ 682,790
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8.1.2. Income Statement-BORSER
Income Statement
Year 1 Year 2 Year 3 Year 4 Year 5
$ $ $ $ $
Revenue 2,035,497 3,080,255 4,595,929 6,820,312 10,132,416
Expenses
$ $ $ $ $
Salaries expenses 684,000 718,200 754,110 791,816 831,406
$ $ $ $ $
Server Hosting 4,000 4,200 4,410 4,631 4,862
$ $ $ $ $
Office Rent 36,000 37,800 39,690 41,675 43,758
$ $ $ $ $
Internet Expense 7,200 7,560 7,938 8,335 8,752
$ $ $ $ $
Utility Expenses-Light 6,000 6,300 6,615 6,946 7,293
$ $ $ $ $
Water and Miscellaneous Expense 6,000 6,300 6,615 6,946 7,293
$ $ $ $ $
Fuel Expenses 2,000 2,100 2,205 2,315 2,431
$ $ $ $ $
Promotion Cost 40,000 42,000 44,100 46,305 48,620
$ $ $ $
Employees Insurance Expenses - - - - $ -
$ $ $ $ $
Web Maintainance 4,000 4,200 4,410 4,631 4,862
Start Up Expenses
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$ $ $ $ $
Total D&A 4,737 4,737 4,737 4,737 4,737
$ $ $ $ $
Total Expenses 793,937 833,397 874,830 918,334 964,014
$ $ $ $ $
Profit before Interest and Income Taxes 1,241,560 2,246,858 3,721,100 5,901,978 9,168,402
$ $ $ $ $
Interest Expenses 46,088 36,871 27,653 18,435 9,218
$ $ $ $ $
Profit Before Taxes 1,195,472 2,209,987 3,693,447 5,883,542 9,159,184
Tax Rate 30% 30% 30% 30% 30%
$ $ $ $ $
Taxes (30%) 358,642 662,996 1,108,034 1,765,063 2,747,755
$ $ $ $ $
Net Profit 836,830 1,546,991 2,585,413 4,118,480 6,411,429
Dividends Rate 0.2 0.2 0.2 0.2 0.2
$ $ $ $ $
Dividend Paid 167,366 309,398 517,083 823,696 1,282,286
$ $ $ $ $
Retained Earnings 669,464 1,237,593 2,068,330 3,294,784 5,129,143
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8.1.3. Statement of Cash Flows
Expenditures
Purchase of Long-term and Short-term
Assets
Purchase of Office Supplies
Expenditure From Operations
$ $ $ $ $
Employees Salaries 684,000 718,200 754,110 791,816 831,406
$ $ $ $ $
Web Hosting Cost 4,000 4,200 4,410 4,631 4,862
$ $ $ $ $
Office Rent 36,000 37,800 39,690 41,675 43,758
$ $ $ $ $
Internet Expenses 7,200 7,560 7,938 8,335 8,752
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$ $ $ $ $
Utility Expenses-Light 6,000 6,300 6,615 6,946 7,293
$ $ $ $ $
Water and Miscellaneous Expense 6,000 6,300 6,615 6,946 7,293
$ $ $ $ $
Fuel Expenses 2,000 2,100 2,205 2,315 2,315
$ $ $ $ $
Promotion Cost 40,000 42,000 44,100 46,305 48,620
$ $ $ $ $
Employees Insurance Expenses - - - - -
$ $ $ $ $
Web Maintainance 4,000 4,200 4,410 4,631 4,862
Start Up Expenses Excluding Promotion
$ $ $ $ $
Total Spending on Operations 789,200 828,660 870,093 913,598 959,162
$ $ $ $ $
Sub Total Cash Out Flow 1,422,747 1,899,376 2,584,314 3,582,243 5,059,872
$ $ $ $ $
Cash Balance 1,212,750 2,603,626 4,615,241 7,853,311 12,925,855
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8.1.4. Balance Sheet-BORSER
Balance Sheet
Beg Balance
Assets Sheet Y1 Y2 Y3
$ $ $ $ $
$ 1,212,75 2,603,62 4,615,24 7,853,31 12,925,85
Cash 600,000 0 6 1 1 5
$ $ $ $ $ $
Start Up Expenses Budget 46,000 46,000 46,000 46,000 46,000 46,000
Accumulated Depreciation
and Amortization
Website and Mobile App Complete $ $ $ $ $
System 656 656 656 656 656
Email System Integration and $ $ $ $ $
Development 333 333 333 333 333
$ $ $ $ $
Office Furniture 714 714 714 714 714
Computer System $ $ $ $ $
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700 700 700 700 700
$ $ $ $ $
Car 1,667 1,667 1,667 1,667 1,667
$ $ $ $ $
ERP and System Security Software 667 667 667 667 667
Total Accumulated Depreciation $ $ $ $ $
and Amortization 4,737 9,473 14,210 18,947 23,683
$ $ $ $ $
$ 1,295,87 2,687,08 4,699,03 7,940,51 13,016,47
Total Assets 682,790 3 2 1 5 4
Liability and Owners Equity
Audit Fees Payable
$ $ $ $ $ $
Notes Payable-5 years 375,535 314,083 252,632 191,181 129,730 68,279
$ $ $ $ $ $
Total Liability 375,535 314,083 252,632 191,181 129,730 68,279
$ $ $ $ $ $
Investment 307,256 307,256 307,256 307,256 307,256 307,256
$ $ $ $
$ 2,127,19 4,200,59 7,503,52 12,640,93
Retained Earning 674,534 4 4 9 9
$ $ $ $
$ $ 2,434,45 4,507,85 7,810,78 12,948,19
TotaL Capital 307,256 981,790 0 0 5 5
$ $ $ $ $
$ 1,295,87 2,687,08 4,699,03 7,940,51 13,016,47
Total Libaility and Owners Equity 682,790 3 2 1 5 4
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8.2.1. Capital Expenditure-Mi Wall Street
Loan $237,176
Investment (60% of Desired Funding) $355,764
Desired fundraising $592,940
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8.2.2. Income Statement-Mi Wall Street
Income Statement
Year 1 Year 2 Year 3 Year 4 Year 5
$ $ $ $ $
Revenue 5,804,540 7,545,902 9,809,673 12,752,575 16,578,347
Expenses
$ $ $ $ $
Salaries Expenses 828,000 869,400 912,870 958,514 1,006,439
$ $ $ $ $
Office Rent 48,000 50,400 52,920 55,566 58,344
$ $ $ $ $
Internet Expense 7,200 7,560 7,938 8,335 8,752
$ $ $ $ $
Utility Expenses-Light 9,600 10,080 10,584 11,113 11,669
$ $ $ $ $
Water and Miscellaneous Expense 9,600 10,080 10,584 11,113 11,669
$ $ $ $ $
Promotion Cost 35,000 36,750 38,588 40,517 42,543
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$ $ $ $ $
Office Furniture 1,000 1,000 1,000 1,000 1,000
$ $ $ $ $
Office Supplies 333 333 333 333 333
$ $ $ $ $
Car 2,000 2,000 2,000 2,000 2,000
$ $ $ $ $
Total D&A 4,526 4,526 4,526 4,526 4,526
$ $ $ $ $
Total Expenses 968,860 1,016,730 1,066,923 1,119,626 1,174,965
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8.2.3. Statement of Cash Flows
$ $ $ $ $
Cash In Flow 6,304,540 10,363,378 15,777,921 22,959,735 32,477,309
Expenditures
Purchase of Long-term and Short- $ $ $ $ $
term Assets - - - - -
$ $ $ $ $
Purchase of Office Supplies - - - - -
Expenditure From Operations
$ $ $ $ $
Employees Salaries 828,000 869,400 912,870 958,514 1,006,439
$ $ $ $ $
Office Rent 48,000 50,400 52,920 55,566 58,344
$ $ $ $ $
Internet Expenses 7,200 7,560 7,938 8,335 8,752
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$ $ $ $ $
Utility Expenses 9,600 10,080 10,584 11,113 11,669
$ $ $ $ $
Water and Miscellaneous Expense 9,600 10,080 10,584 11,113 11,669
$ $ $ $ $
Promotion Cost 35,000 36,750 38,588 40,517 42,543
$ $ $ $ $
Employees Insurance Expenses - - - - -
$ $ $ $ $
Web Maintenance 5,000 5,250 5,513 5,788 6,078
$ $ $ $
Web Domain Renewal 70 74 77 81
$ $ $ $ $
Fuel Expenses 12,600 13,230 13,892 14,586 15,315
$ $ $ $ $
Car Maintenance 1,000 1,050 1,103 1,158 1,216
$ $ $ $
Start Up Expenses Excluding Promotion - - - -
$ $ $ $ $
Total Spending on Operations 956,000 1,003,870 1,054,064 1,106,767 1,162,105
$ $ $ $ $
Sub Total Cash Out Flow 3,487,065 4,395,129 5,570,760 7,060,774 9,068,752
$ $ $ $ $
Cash Balance 2,817,475 5,968,249 10,207,161 15,898,962 23,408,557
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8.2.4. Balance Sheet
Balance Sheet
Beg Balance
Assets Sheet Y1 Y2 Y3 Y4 Y5
$ $ $
$ 2,817,4 5,968,2 10,207,1 $ $
Cash 500,000.00 75 49 61 15,898,962 23,408,557
Accumulated Depreciation
and Amortization
Website and Mobile App Complete $ $ $ $ $
System 353 353 353 353 353
$ $ $ $ $
Office Furniture 1,000 1,000 1,000 1,000 1,000
$ $ $ $ $
Office Supplies 333 333 333 333 333
$ $ $ $ $
Computer System 412 412 412 412 412
$ $ $ $ $
ERP System 429 429 429 429 429
$ $ $ $ $
Car 2,000 2,000 2,000 2,000 2,000
Total Accumulated Depreciation $ $ $ $ $
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and Amortization 4,526 9,053 13,579 18,106 22,632
$ $ $
$ 2,902,0 6,044,5 10,275,1 $ $
Total Assets 592,940.00 82 22 01 15,958,568 23,468,164
$ $ $
$ 2,902,0 6,044,5 10,275,1 $ $
Total Liability and Owners Equity 592,940.00 82 22 01 15,958,568 23,468,164
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8.3.1. Capital Expenditure-Crowding Funds
Capital Expenditure
Website and Mobile App Complete System (Excluding Web Hosting) $ 2,670
Office Furniture $ 5,000
Office Supplies $ 2,000
Computer System $ 7,670
Advance Rent $ 10,000
ERP System $ 5,000
Car $ 10,000
Start Up Assets $ 42,340
Company Registration Fees-National and International Budget $ 2,000
Office Set Up $ 5,000
Promotion Budget $ 30,000
Budget For Trade Marks $ 5,000
Start Up expenses $ 42,000
Loan $ 392,170
Investment (50% of Desired Funding) $ 392,170
Desired fundraising $ 784,340
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8.3.2. Income Statement-Crowding Funds
Income Statement
Year 1 Year 2 Year 3 Year 4 Year 5
$ $ $ $ $
Revenue 3,382,434 5,215,891 8,119,284 12,781,116 20,387,689
Expenses
$ $ $ $ $
Salaries expenses 882,000 926,100 972,405 1,021,025 1,072,077
$ $ $ $ $
Office Rent 48,000 50,400 52,920 55,566 58,344
$ $ $ $ $
Internet Expense 6,000 6,300 6,615 6,946 7,293
$ $ $ $ $
Utility Expenses-Light 12,000 12,600 13,230 13,892 14,586
$ $ $ $ $
Water and Miscellaneous Expense 12,000 12,600 13,230 13,892 14,586
$ $ $ $ $
Promotion Cost 30,000 31,500 33,075 34,729 36,465
Start Up Expenses $ - $ - $ - $ - $ -
Depreciation and Amortization
Expenses
$ $ $ $ $
Computer System 534 534 534 534 534
Website and Mobile App Complete $ $ $ $ $
System 381 381 381 381 381
$ $ $ $ $
ERP and System Security Software 714 714 714 714 714
$ $ $ $ $
Office Furniture 714 714 714 714 714
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$ $ $ $ $
Office Supplies 333 333 333 333 333
$ $ $ $ $
Car 1,667 1,667 1,667 1,667 1,667
$ $ $ $ $
Total D&A 4,344 4,344 4,344 4,344 4,344
$ $ $ $ $
Total Expenses 1,008,144 1,058,404 1,111,107 1,166,445 1,224,550
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8.3.3. Statement of Cash Flows-Crowding Funds
$ $ $ $ $
Cash In Flow 4,082,434 6,989,451 11,844,974 19,860,579 33,118,860
Expenditures
Purchase of Long-term and Short-term $ $ $ $ $
Assets - - - - -
$ $ $ $ $
Purchase of Office Supplies - - - - -
Expenditure From Operations
$ $ $ $ $
Employees Salaries 882,000 926,100 972,405 1,021,025 1,072,077
$ $ $ $ $
Office Rent 48,000 50,400 52,920 55,566 58,344
$ $ $ $ $
Internet Expenses 6,000 6,300 6,615 6,946 7,293
Utility Expenses $ $ $ $ $
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12,000 12,600 13,230 13,892 14,586
$ $ $ $ $
Water and Miscellaneous Expense 12,000 12,600 13,230 13,892 14,586
$ $ $ $ $
Promotion Cost 30,000 31,500 33,075 34,729 36,465
$ $ $ $ $
Employees Insurance Expenses - - - - -
$ $ $ $ $
Web Maintenance 3,000 3,150 3,308 3,473 3,647
$ $ $ $
Web Domain Renewal 70 74 77 81
$ $ $ $ $
Fuel Expenses 10,800 11,340 11,907 12,502 13,127
$ $ $ $ $
Start Up Expenses Excluding Promotion - - - - -
$ $ $ $ $
Total Spending on Operations 1,003,800 1,054,060 1,106,763 1,162,101 1,220,206
$ $ $ $ $
Sub Total Cash Out Flow 2,308,874 3,263,760 4,765,511 7,129,408 11,068,377
$ $ $ $ $
Cash Balance 1,773,560 3,725,690 7,079,463 12,731,171 22,050,483
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8.3.4. Balance Sheet- Crowding Funds
Balance Sheet
Beg Balance
Assets Sheet Y1 Y2 Y3 Y4 Y5
$ $ $ $ $
$ 1,773,56 3,725,69 7,079,46 12,731,1 22,050,4
Cash 700,000 0 0 3 71 83
Accumulated Depreciation
and Amortization
Website and Mobile App Complete $ $ $ $ $
System 381 381 381 381 381
$ $ $ $ $
Office Furniture 714 714 714 714 714
$ $ $ $ $
Office Supplies 333 333 333 333 333
$ $ $ $ $
Computer System 534 534 534 534 534
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$ $ $ $ $
ERP System 714 714 714 714 714
$ $ $ $ $
Car 1,667 1,667 1,667 1,667 1,667
Total Accumulated Depreciation $ $ $ $ $
and Amortization 4,344 8,688 13,032 17,376 21,720
$ $ $ $ $
$ 1,857,90 3,810,03 7,163,80 12,815,5 22,134,8
Total Assets 784,340 0 0 3 11 23
$ $ $ $ $
$ 1,857,90 3,810,03 7,163,80 12,815,5 22,134,8
Total Liability and Owners Equity 784,340 0 0 3 11 23
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8.4.1. Capital Expenditure-X-Change
Capital Expenditure
Website and Mobile App Complete System (Excluding Web Hosting) $2,470
Office Furniture $4,000
Office Supplies $2,500
Computer System $6,470
Advance Rent $6,000
ERP System $5,000
Car $10,000
Start Up Assets $36,440
Company Registration Fees-National and International Budget $2,000
Office Set Up $6,000
Promotion Budget $25,000
Budget For Trade Marks $5,000
Start Up expenses $38,000
Loan $337,220
Investment (50% of Desired Funding) $337,220
Desired fundraising $674,440
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8.4.2. Income Statement
Income Statement
Year 1 Year 2 Year 3 Year 4 Year 5
$ $ $ $ $
Revenue 3,548,007 5,066,555 7,242,193 10,362,594 14,842,919
Expenses
$ $ $ $ $
Salaries expenses 792,000 831,600 873,180 916,839 962,681
$ $ $ $ $
Office Rent 48,000 50,400 52,920 55,566 58,344
$ $ $ $ $
Internet Expense 6,000 6,300 6,615 6,946 7,293
$ $ $ $ $
Utility Expenses-Light 9,600 10,080 10,584 11,113 11,669
$ $ $ $ $
Water and Miscellaneous Expense 9,600 10,080 10,584 11,113 11,669
$ $ $ $ $
Promotion Cost 25,000 26,250 27,563 28,941 30,388
Employees Insurance Expenses $ - $ - $ - $ - $ -
$ $ $ $ $
Web Maintainance 5,000 5,250 5,513 5,788 6,078
$ $ $ $
Web Domain Renewal 70 74 77 81
$ $ $ $ $
Fuel Expenses 14,400 15,120 15,876 16,670 17,503
$ $ $ $ $
Start Up Expenses 6,333 6,333 6,333 6,333 6,333
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$ $ $ $ $
Total Expenses 920,149 965,699 1,013,457 1,063,602 1,116,255
$ $ $ $ $
Profit before Interest and Income Taxes 2,627,858 4,100,855 6,228,736 9,298,992 13,726,664
$ $ $ $ $
Interest Expenses 50,583 42,153 33,722 25,292 16,861
$ $ $ $ $
Profit Before Taxes 2,577,275 4,058,703 6,195,014 9,273,701 13,709,803
$ $ $ $ $
Tax Rate 0.30 0.30 0.30 0.30 0.30
$ $ $ $ $
Taxes (30%) 773,183 1,217,611 1,858,504 2,782,110 4,112,941
$ $ $ $ $
Net Profit 1,804,093 2,841,092 4,336,510 6,491,590 9,596,862
Holding Company Revenue 30% 30% 30% 30% 30%
$ $ $ $ $
Payment to Holding Company 541,228 852,328 1,300,953 1,947,477 2,879,059
$ $ $ $ $
Retained Earnings 1,262,865 1,988,764 3,035,557 4,544,113 6,717,803
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8.4.3. Statement of Cash Flows-X-Change
$ $ $ $ $
Cash In Flow 4,148,007 6,883,765 11,002,514 17,112,818 26,122,513
Expenditures
Purchase of Long-term and Short-term $ $ $ $ $
Assets - - - - -
$ $ $ $ $
Purchase of Office Supplies - - - - -
Expenditure From Operations
$ $ $ $ $
Employees Salaries 792,000 831,600 873,180 916,839 962,681
$ $ $ $ $
Office Rent 48,000 50,400 52,920 55,566 58,344
Internet Expenses $ $ $ $ $
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6,000 6,300 6,615 6,946 7,293
$ $ $ $ $
Utility Expenses 9,600 10,080 10,584 11,113 11,669
$ $ $ $ $
Water and Miscellaneous Expense 9,600 10,080 10,584 11,113 11,669
$ $ $ $ $
Promotion Cost 25,000 26,250 27,563 28,941 30,388
$ $ $ $ $
Employees Insurance Expenses - - - - -
$ $ $ $ $
Web Maintenance 5,000 5,250 5,513 5,788 6,078
$ $ $ $
Web Domain Renewal 70 74 77 81
$ $ $ $ $
Fuel Expenses 14,400 15,120 15,876 16,670 17,503
$ $ $ $
Start Up Expenses Excluding Promotion - - - -
$ $ $ $ $
Total Spending on Operations 909,600 955,150 1,002,908 1,053,053 1,105,706
$ $ $ $ $
Sub Total Cash Out Flow 2,330,797 3,123,444 4,252,290 5,833,223 8,170,769
$ $ $ $ $
Cash Balance 1,817,211 3,760,321 6,750,224 11,279,595 17,951,744
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8.4.4. Balance Sheet-X-Change
Balance Sheet
Beg Balance
Assets Sheet Y1 Y2 Y3 Y4 Y5
$ $ $ $ $
$ 1,817,21 3,760,32 6,750,22 11,279,59 17,951,74
Cash 600,000 1 1 4 5 4
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$ $ $ $ $
ERP System 714 714 714 714 714
$ $ $ $ $
Car 1,667 1,667 1,667 1,667 1,667
Total Accumulated Depreciation $ $ $ $ $
and Amortization 4,216 8,432 12,648 16,864 21,080
$ $ $ $ $
$ 1,885,31 3,822,09 6,805,66 11,328,70 18,000,85
Total Assets 674,440 7 4 4 1 1
$ $ $ $ $
$ 1,885,31 3,822,09 6,805,66 11,328,70 18,000,85
Total Liability and Owners Equity 674,440 7 4 4 1 1
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