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ServicesWe provide a full range of services for growing businesses. We can perform any of the following services for your company:
Free Business ToolsThe following tools are free of charge.Input fields are highlighted in yellow. Before downloading these tools, you must agree to the following license terms: Each product is licensed for one business only. It is not to be (given to, resold to, or used by) any other entity without written permission from Gruber and Company, Inc.
Loan Amortization Schedule Change the payment terms and watch what happens.
Loan Payment? Personal Financial Statement If you're going after a loan, you'll need one of these. This is easy to fill out, and it's very presentable. Income tax calculation spreadsheet We use this spreadsheet for tax planning, and for calculating the deferred income tax entry for accrual basis financial statements. This may not be offered free of charge for long. Projected Financial StatementsEnter financial data and assumptions, and get projected financial cash flow information instantly:
Please contact us with questions, or click the icon below to see a sample report for a professional firm. We offer several single-company license options.
The Development History of our Projection Tool:This business planning architecture is a time-tested tool. It has been updated and perfected many times over the last 20 years. The original prototype was developed by a team of 3 professionals - A Ph.D in math, a semi-retired software developer, and a CPA.The first prototype: We theorized that each component of (income, expense, and cash flow) could be expressed as an algorithm. If the formulas are sound, then financial activity could become predictable based on a set of assumptions. Our goal was to create a projection that was uncomplicated, predictive and professional looking. Uncomplicated so we could make changes quickly without re-doing formulas or reconfiguring the spreadsheet. Predictive so it would be useful as a budgeting tool and an accurate predictor of cash flows and financial activity. Professional looking so we could proudly present it to investors and bankers. Our efforts were very successful. Our internally generated projections were used to expand our line of credit by over 1,000%, to value the business for a possible IPO, and to streamline the internal budgeting process. Our newest version: Gruber and Company has been using this tool since the early 90s. Over the last 6 months, we have worked very hard to make it user-friendly enough to be used by anyone: Historical financial data is not required. If your company is just starting out, and you have no financial history, this projection will still work very well. For example, if you add employees, you automatically buy a desk, a chair, hardware, and software; office expenses become incrementally more expensive; The depreciation schedule is updated; the cost of the Christmas party and the summer picnic goes up; you get the idea. This projection tool has been a valuable asset to our firm and our clients. We know it will help you gain credibility with the bank, create fantastic proposals, and help with internal decision-making by quantifying business options to see if they make financial sense. |
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