MODELO, C.A.

FLUJO DE CAJA PROYECTADO A 36 MESES

Flujo de Efectivo Mes 1 2 3 4 5 6 7 8 9

SALDO INICIAL - 5,486.46 10,972.92 16,459.38 21,945.84 27,432.30 32,918.76 38,405.22 43,891.68

Ingresos de Efectivo
Ingresos por Ventas 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 ### 120,000.00 120,000.00
Cobro de Ventas a Crdito - - - - - - - - -
Prestamo 300,000.00
Total Ingresos 420,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00

Pagos Fijos

Aplicacion del Crdito 300,000.00

Compras 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00
Sueldos y Salarios 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50
Comisiones 4,758.00 4,758.00 4,758.00 4,758.00 4,758.00 4,758.00 ### 4,758.00 4,758.00
Alquiler 2,533.00 2,533.00 2,533.00 2,533.00 2,533.00 2,533.00 ### 2,533.00 2,533.00
Otros Pagos 7,500.00 7,500.00 7,500.00 7,500.00 7,500.00 7,500.00 ### 7,500.00 7,500.00

Total Pagos Fijos 391,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50

Pagos al Banco

Abono Capital 6,052.52 6,158.44 6,266.21 6,375.87 6,487.45 6,600.98 6,716.50 6,834.03 6,953.63
Intereses 5,250.00 5,144.08 5,036.31 4,926.65 4,815.07 4,701.54 4,586.02 4,468.49 4,348.89
Total Pagos al Banco 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52
Disponible Antes de Amortizacion de
16,788.98 22,275.44 27,761.90 33,248.36 38,734.82 44,221.28 49,707.74 55,194.20 60,680.66
la deuda

TOTAL DEUDA 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52

Saldo Final Acumulado 5,486.46 10,972.92 16,459.38 21,945.84 27,432.30 32,918.76 38,405.22 43,891.68 49,378.14
MODELO, C.A. FLUJO DE CAJA PROYECTADO A 36 MESES

Flujo de Efectivo Mes 13 14 15 16 17 18 19 20 21

SALDO INICIAL 65,837.52 71,323.97 76,810.43 82,296.89 87,783.35 93,269.81 98,756.27 104,242.73 109,729.19

Ingresos de Efectivo
Ingresos por Ventas 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00
Cobro de Ventas a Crdito - - - - - - - - -
Inversion
Total Ingresos 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00

Pagos Fijos

Compras 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 ### 72,000.00 72,000.00
Sueldos y Salarios 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50
Comisiones 4,758.00 4,758.00 4,758.00 4,758.00 4,758.00 4,758.00 ### 4,758.00 4,758.00
Alquiler 2,533.00 2,533.00 2,533.00 2,533.00 2,533.00 2,533.00 ### 2,533.00 2,533.00
Otros Pagos 7,500.00 7,500.00 7,500.00 7,500.00 7,500.00 7,500.00 ### 7,500.00 7,500.00
Total Pagos Fijos 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50

Pagos al Banco

Abono Capital 7,453.31 7,583.74 7,716.46 7,851.50 7,988.90 8,128.70 8,270.96 8,415.70 8,562.97
Intereses 3,849.21 3,718.78 3,586.06 3,451.02 3,313.62 3,173.82 3,031.56 2,886.82 2,739.55
Total Pagos al Banco 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52 11,302.52
Disponible Antes de Amortizacion de
82,626.49 88,112.95 93,599.41 99,085.87 104,572.33 110,058.79 115,545.25 121,031.71 126,518.17
la deuda

Saldo Final Acumulado 71,323.97 76,810.43 82,296.89 87,783.35 93,269.81 98,756.27 104,242.73 109,729.19 115,215.65

MODELO, C.A. FLUJO DE CAJA PROYECTADO A 36 MESES

MODELO, C.A. FLUJO DE CAJA PROYECTADO A 36 MESES

Flujo de Efectivo Mes 25 26 27 28 29 30 31 32 33

SALDO INICIAL 131,675.03 136,749.73 141,824.43 146,899.13 151,973.83 157,048.53 162,123.22 167,197.92 172,272.62

Ingresos de Efectivo
Ingresos por Ventas 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 ### 120,000.00 120,000.00
Cobro de Ventas a Crdito - - - - - - - - -
Inversion
Total Ingresos 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00 120,000.00

Pagos Fijos

Compras 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 72,000.00 ### 72,000.00 72,000.00
Sueldos y Salarios 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50 5,117.50
Comisiones 4,758.00 4,758.00 4,758.00 4,758.00 4,758.00 4,758.00 ### 4,758.00 4,758.00
Alquiler 2,533.00 2,533.00 2,533.00 2,533.00 2,533.00 2,533.00 ### 2,533.00 2,533.00
Total Pagos Fijos 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50 91,908.50

Pagos al Banco

Abono Capital 8,881.99 9,089.23 9,301.32 9,518.35 9,740.44 9,967.72 10,200.30 10,438.31 10,681.87
Intereses 2,832.29 2,625.05 2,412.96 2,195.93 1,973.84 1,746.56 1,513.98 1,275.97 1,032.41
Total Pagos Variables 11,714.28 11,714.28 11,714.28 11,714.28 11,714.28 11,714.28 11,714.28 11,714.28 11,714.28
Disponible Antes de Amortizacion de
148,052.25 153,126.95 158,201.65 163,276.35 168,351.05 173,425.74 178,500.44 183,575.14 188,649.84
la deuda

Saldo Final Acumulado 136,749.73 141,824.43 146,899.13 151,973.83 157,048.53 162,123.22 167,197.92 172,272.62 177,347.32
SES

10 11 12 Totales %

49,378.14 54,864.60 60,351.06 -

120,000.00 120,000.00 120,000.00 1,440,000.00 82.76%

- - - - 0.00%
300,000.00 17.24%
120,000.00 120,000.00 120,000.00 1,740,000.00 100.00%

300,000.00 17.24%
72,000.00 72,000.00 72,000.00 864,000.00 49.66%
5,117.50 5,117.50 5,117.50 61,410.00 3.53%
4,758.00 4,758.00 4,758.00
2,533.00 2,533.00 2,533.00 30,396.00 1.75%
7,500.00 7,500.00 7,500.00
- 0.00%
91,908.50 91,908.50 91,908.50 1,255,806.00 72%

7,075.32 7,199.14 7,325.12 80,045.21 4.60%

4,227.20 4,103.38 3,977.40 55,585.04 3.19%
11,302.52 11,302.52 11,302.52 135,630.24 8%

66,167.12 71,653.58 77,140.04

11,302.52 11,302.52 11,302.52 135,630.24 7.79%

54,864.60 60,351.06 65,837.52 212,933.52

SES

22 23 24 Totales %

115,215.65 120,702.11 126,188.57

120,000.00 120,000.00 120,000.00 1,440,000.00 100.00%

- - - - 0.00%
- 0.00%
120,000.00 120,000.00 120,000.00 1,440,000.00 100.00%

72,000.00 72,000.00 72,000.00 864,000.00 60.00%

5,117.50 5,117.50 5,117.50 61,410.00 4.26%
4,758.00 4,758.00 4,758.00 57,096.00
2,533.00 2,533.00 2,533.00 30,396.00
7,500.00 7,500.00 7,500.00 90,000.00
91,908.50 91,908.50 91,908.50 1,102,902.00 64%

8,712.83 8,865.30 9,020.44 98,570.82 6.85%

2,589.69 2,437.22 2,282.08 37,059.43 2.57%
11,302.52 11,302.52 11,302.52 135,630.24 9%

132,004.63 137,491.09 142,977.55

120,702.11 126,188.57 131,675.03 65,837.52

SES
SES

34 35 36 Totales %

177,347.32 182,422.02 187,496.72

120,000.00 120,000.00 120,000.00 1,440,000.00 100.00%

- - - - 0.00%
- 0.00%
120,000.00 120,000.00 120,000.00 1,440,013.00 100.00%

72,000.00 72,000.00 72,000.00 864,000.00 60.00%

5,117.50 5,117.50 5,117.50 61,410.00 4.26%
4,758.00 4,758.00 4,758.00 57,096.00
2,533.00 2,533.00 2,533.00 30,396.00
91,908.50 91,908.50 91,908.50 1,102,902.00 64%

10,931.11 11,186.17 11,447.18 121,383.98 8.43%

783.17 528.11 267.10 19,187.39 1.33%
11,714.28 11,714.28 11,714.28 140,571.37 10%

193,724.54 198,799.24 203,873.94

182,422.02 187,496.72 192,571.42 60,909.39

 TABLA DE AMORTIZACION PARA EL CALCULO DE CUO

PRESTAMO 300,000.00
2 MES 0.00% INICIAL
11 AO SALDO 300,000.00
PLAZO 36

CUOTA CUOTA
N FECHA MONTO CUOTA
REGULAR ESPECIAL
0 0.00%
1 Mar-11 11,302.52 11,302.52
2 Apr-11 11,302.52 11,302.52
3 May-11 11,302.52 11,302.52
4 Jun-11 11,302.52 11,302.52
5 Jul-11 11,302.52 11,302.52
6 Aug-11 11,302.52 11,302.52
7 Sep-11 11,302.52 11,302.52
8 Oct-11 11,302.52 11,302.52
9 Nov-11 11,302.52 11,302.52
10 Dec-11 11,302.52 11,302.52
11 Jan-12 11,302.52 11,302.52
12 Feb-12 11,302.52 11,302.52
13 Mar-12 11,302.52 11,302.52
14 Apr-12 11,302.52 11,302.52
15 May-12 11,302.52 11,302.52
16 Jun-12 11,302.52 11,302.52
17 Jul-12 11,302.52 11,302.52
18 Aug-12 11,302.52 11,302.52
19 Sep-12 11,302.52 11,302.52
20 Oct-12 11,302.52 11,302.52
21 Nov-12 11,302.52 11,302.52
22 Dec-12 11,302.52 11,302.52
23 Jan-13 11,302.52 11,302.52
 24 Feb-13 11,302.52 11,302.52
25 Mar-13 11,714.28 11,714.28
26 Apr-13 11,714.28 11,714.28
27 May-13 11,714.28 11,714.28
28 Jun-13 11,714.28 11,714.28
29 Jul-13 11,714.28 11,714.28
30 Aug-13 11,714.28 11,714.28
31 Sep-13 11,714.28 11,714.28
32 Oct-13 11,714.28 11,714.28
33 Nov-13 11,714.28 11,714.28
34 Dec-13 11,714.28 11,714.28
35 Jan-14 11,714.28 11,714.28
36 Feb-14 11,714.28 11,714.28

Nota:Tabla sujeta a modificacion por variacin de la tasa.

PARA EL CALCULO DE CUOTAS

21.00% TASA
24 MESES
28.00% TASA 2

INTERES CAPITAL SALDO

300,000.00
5,250.00 6,052.52 293,947.48
5,144.08 6,158.44 287,789.04
5,036.31 6,266.21 281,522.83
4,926.65 6,375.87 275,146.96
4,815.07 6,487.45 268,659.51
4,701.54 6,600.98 262,058.53
4,586.02 6,716.50 255,342.03
4,468.49 6,834.03 248,508.00
4,348.89 6,953.63 241,554.37
4,227.20 7,075.32 234,479.05
4,103.38 7,199.14 227,279.91
3,977.40 7,325.12 219,954.79
3,849.21 7,453.31 212,501.48
3,718.78 7,583.74 204,917.74
3,586.06 7,716.46 197,201.28
3,451.02 7,851.50 189,349.78
3,313.62 7,988.90 181,360.88
3,173.82 8,128.70 173,232.18
3,031.56 8,270.96 164,961.22
2,886.82 8,415.70 156,545.52
2,739.55 8,562.97 147,982.55
2,589.69 8,712.83 139,269.72
2,437.22 8,865.30 130,404.42
 2,282.08 9,020.44 121,383.98
2,832.29 8,881.99 112,501.99
2,625.05 9,089.23 103,412.76
2,412.96 9,301.32 94,111.44
2,195.93 9,518.35 84,593.09
1,973.84 9,740.44 74,852.65
1,746.56 9,967.72 64,884.93
1,513.98 10,200.30 54,684.63
1,275.97 10,438.31 44,246.33
1,032.41 10,681.87 33,564.46
783.17 10,931.11 22,633.35
528.11 11,186.17 11,447.18
267.10 11,447.18 -

111,831.85