Schule Kapital
Business plans & project finance
Full model - assumptions, forecasts, scenarios baseline/optimistic/downside.
We reply on the next working day. We name the fee in writing, in our reply to your inquiry. Scope and timing are confirmed in writing before work starts.
Morača river · Kotor
IIWhat you get
What you get
- 01
Investment memorandum 40-150 pages.
- 02
Monthly cash flow projections 3-5 years.
- 03
Documentation for bank credit committees to CKB / EBRD / RBCG / IFC / KfW standard.
- 04
IRR, NPV, payback, DSCR (Debt Service Coverage Ratio), LLCR.
- 05
Sensitivity table and Monte Carlo where relevant.
- 06
Every assumption has a source cited in the model.
IIIProcess and timing
How we work
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01Mandate
Inquiry: owner, the problem to solve, financial statements for the last three years. NDA signed before we see materials. We name the fee in writing, in our reply to your inquiry. We say whether the mandate is for us; if not, we recommend a colleague, even a competitor, who fits better.
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02Plan & pricing
Within 5 working days: mandate scope, timeline, pricing package. Fixed or fixed + success fee combination. No hourly billing. All written in a 5-10 page mandate proposal you sign before we start.
- Weekly meeting with owner (60 min)
03Execution
Condensed monthly reports in owner's format, not accounting. Owner signs all decisions, we prepare the materials and recommendation. 24/7 access to us for urgent decisions.
- Final document or completed transition
04Delivery
Internal team briefing 60-90 min. Stabilization period 30-90 days as agreed - we remain available for questions at no extra charge. Many clients stay on retainer afterwards.
IVFee
Pricing
The fee depends on the scope of work and is set in writing before work starts. Published fees are on the "Fees and how we work" page.
What is not included is stated in the written offer.
VSources and legal framework
Sources and legal framework
Schule d.o.o. Podgorica · Updated: 9 November 2026
VIQuestions
Questions about capital
How long does business plan preparation take?
Standard 3-5 weeks. Under pressure (bank deadline) 2 weeks. A rush premium of 30 to 50% applies (see the Fees page). Condensed version (20 pages) for internal decision-making 7-10 days.
What distinguishes your business plan?
Every assumption has a source (central bank statistics, MONSTAT, IMF, sector studies). The question 'where does this come from?' is answered in the same document. CKB/EBRD/RBCG standards explicitly cited.
What should a client send with the inquiry?
For business plan: brief business description (1 page), financial statements 2-3 years, organizational structure, top 5 customers and suppliers list. For M&A: your ambition (owner sale, investor acquisition, competitor acquisition), valuation expectation (range), timeline (3-12-24 months). For an interim finance director: current finance function problems, owner's top 3 priorities, existing ERP/accounting system. For restructuring: creditor list with amounts, overdue obligations, account status.
What is the delivery format for business plans and M&A memoranda?
Business plan: PDF report 40-150 pages with citable paragraphs and editable Excel model. Investment Memorandum (IM): 30-80 pages, PDF for distribution to potential investors + Excel with detailed financial model (3-statement projections, valuation, sensitivities). Pitch deck: PowerPoint/Google Slides 12-18 slides. All deliveries in two language versions as agreed (typically Serbian + English for most mandates, additionally Mandarin/German/Russian as needed).
VIINext step
Your company needs structure?
Send us a paragraph - which segment, what deadline, who's involved. We reply on the next working day. Scope, timing and fee are confirmed in writing before work starts.