Long-Term Financial Plan (3-5 Year) Template
Project financial performance for 3-5 years. Plan for growth investments, financing needs, and capital allocation.
How to use this template
Establish planning assumptions
Define strategic assumptions: revenue growth rates, operating margin targets, tax rate, capex as percent of revenue, dividend/buyback plans.
Project income statement
Build 3-5 year P&L: revenue, COGS, operating expenses, operating income, interest, taxes, net income. Show EBITDA and free cash flow.
Project balance sheet
Forecast assets (receivables, inventory, fixed assets) and liabilities (payables, debt) needed to support revenue growth.
Project cash flow
Calculate operating cash flow, capex, financing needs, and free cash flow. Determine if plan is self-funding or requires capital raise.
Assess financial feasibility
Review debt ratios, interest coverage, liquidity, and ROIC. Adjust assumptions if plan is not financially sustainable or attractive.
Why use this template
- Aligns financial projections with long-term strategic plan
- Projects capital and financing needs for growth
- Validates financial viability of strategic initiatives
- Supports lender, investor, and board discussions
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