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The sales forecast for your firm for 2014 is $9.1 million. The cost of processin

ID: 2648006 • Letter: T

Question

The sales forecast for your firm for 2014 is $9.1 million. The cost of processing (production) is 50% of sales. Sales and administrative expenses are $100,000 per month. A close look at the sales forecast shows a strong seasonal pattern. The strongest sales months are February, March, April, and May.

   January             $600,000                            July                       $80,000

   February           $1,000,000                         August                  $70,000

   March                $2,000,000                         September           $60,000

   April                  $3,000,000                         October                $60,000

   May                   $2,000,000                         November            $60,000

   June                   $100,000                           December            $70,000

Sales are 50% cash sales and 50% credit sales; 80% of the monthly credit sales is received as cash one month following the month of sale. The remaining 20% of credit sales is received as cash the second month following the month of sale. As a result of computer processing equipment operating lease obligations, the firm

Explanation / Answer

According to CFO, As at the end of 1st month we have a deficit of $300,000 we will borrow $300,000 at 10%

Since we would not have any loan outstanding for the year we will give .5% annual interest rate on $300,000 for 9 months since we are not using that amount anymore

Difference between fixed and revolving loan

Particulars January February March April   May    June    July        August   September October November December Total Cash Balance at beginning of each month $                   -   $    300,000 $     238,700 $     197,194 $       798,679 $    1,905,673 $ 2,515,701 $    2,465,480 $ 2,216,017 $ 1,758,277 $ 1,494,224 $     725,345 Monthly sales $     600,000 $ 1,000,000 $ 2,000,000 $ 3,000,000 $    2,000,000 $       100,000 $      80,000 $        70,000 $     60,000 $      60,000 $      60,000 $      70,000 $ 9,100,000 Cash Sales $     300,000 $    500,000 $ 1,000,000 $ 1,500,000 $    1,000,000 $        50,000 $      40,000 $        35,000 $     30,000 $      30,000 $      30,000 $      35,000 $ 4,550,000 Credit Sales $     300,000 $    500,000 $ 1,000,000 $ 1,500,000 $    1,000,000 $        50,000 $      40,000 $        35,000 $     30,000 $      30,000 $      30,000 $      35,000 $ 4,550,000 Amount received in following month of credit sales 80% of Credit Sales $             -   $    240,000 $     400,000 $     800,000 $    1,200,000 $       800,000 $      40,000 $        32,000 $     28,000 $      24,000 $      24,000 $      24,000 $ 3,612,000 Amount received in 2nd month of credit sales 20% of Credit Sales 0 0 $      60,000 $     100,000 $       200,000 $       300,000 $    200,000 $        10,000 $       8,000 $        7,000 $        6,000 $        6,000 $     897,000 Net Cash Flow per month $     300,000 $    740,000 $ 1,460,000 $ 2,400,000 $    2,400,000 $    1,150,000 $    280,000 $        77,000 $     66,000 $      61,000 $      60,000 $      65,000 $ 9,059,000 Cost of Production = 50% of total Production $     300,000 $    500,000 $ 1,000,000 $ 1,500,000 $    1,000,000 $        50,000 $      40,000 $        35,000 $     30,000 $      30,000 $      30,000 $      35,000 $ 4,550,000 Sales and Administration Expenses per month $     100,000 $    100,000 $     100,000 $     100,000 $       100,000 $       100,000 $    100,000 $       100,000 $    100,000 $     100,000 $     100,000 $     100,000 $ 1,200,000 Dividend Payout $     500,000 $     500,000 Taxes $     200,000 $       200,000 $    200,000 $     200,000 $     800,000 Capital Outlay $     750,000 $     750,000 $ 1,500,000 Access or deficit $    (100,000) $    440,000 $     398,700 $     997,194 $    2,098,679 $    2,705,673 $ 2,655,701 $    2,407,480 $ 1,952,017 $ 1,689,277 $     924,224 $     455,345 Minimum Cash Per month $     200,000 $    200,000 $     200,000 $     200,000 $       200,000 $       200,000 $    200,000 $       200,000 $    200,000 $     200,000 $     200,000 $     200,000 Unused cash = ending - minimum cash $    (300,000) $    240,000 $     198,700 $     797,194 $    1,898,679 $    2,505,673 $ 2,455,701 $    2,207,480 $ 1,752,017 $ 1,489,277 $     724,224 $     255,345
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