Chapter 11: How to start a business

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It isn’t funding that’ll put you out of business, it is a lack of proper planning. Here’s how CPMoneyMakeover candidates Stephan and Lwandile are planning their small business future together with their Absa advisers. MoneyTips Read more here:

A good idea doesn’t make a business. Executing a successful venture requires proper planning and hard work, writes Maya Fisher-French

“We had to estimate the price we could charge and then work out when the business would break even. That was challenging, even with a mathematical background,” says Lwandile, who has previously owned a business.“Having won a short course at Wits Business School, I thought I was ready to start a business. The parts I enjoyed were the ideation, creation and marketing. That was what I covered in the business plan. I left out the appendix that covered the financial section.

“Spend some time on Google or YouTube to make sure you at least know the questions that a bank will ask you about your finances. Have a credible accountant who can explain everything about the business plan and business financial statements, and make sure you understand these before going to present to a potential financier,” he advises.

Lwandile wants to focus the business in Vanderbijlpark in the south of Gauteng, as this is where his in-laws live. However, he is not sure of the market demand. He has done his research and found that there are no established cleaning businesses in the area. This could be either a positive or negative factor. It may be that there is insufficient demand or it is a golden opportunity to be the first.

“You knock over the client’s Ming vase, you are going to have to pay for it. It may seem like a grudge purchase, but if you are cleaning someone’s house, you have to account for breakages,” says Prinsloo.Have a good idea at what point the business will be profitable. Most entrepreneurs underestimate the length of time it takes to reach a point where the business can pay its bills. There is a difference between paying the bills and making a profit.

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Absa Mrs lethica001 i really appreciate your all your efforts with the little startup of R4000 with all joy over me after withdrawing R17,850 you can check my media for testimony i told you i will recommend everyone in South Africa to trade with your team you're the best thank you

Absa If I enjoy this privilege all alone, it shows how ungrateful I’m because I got this opportunity from a post here as well and saw recommendations too. All thanks to the good work of you LindaStouffes

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