Business · Topic 1: Investigating small business

Putting a business idea into practice

What a new business sets out to achieve, how revenue, costs and profit are calculated, when a business breaks even, why cash matters more than profit in the short term, and where the money to start and grow comes from.

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Key terms in this chapter

All 35, gathered from every lesson.

Aim
A general, long-term goal a business wants to achieve.
Objective
A specific, measurable target that helps a business achieve its aim.
Survival
Continuing to trade rather than closing down.
Market share
The percentage of total sales in a market made by one business.
Financial security
Having enough money to cover costs and deal with unexpected problems.
Social objective
An aim to help society or the environment.
Social enterprise
A business whose main aim is social, using its profits to do good.
Revenue
The money a business receives from sales. Price × quantity sold.
Fixed costs
Costs that do not change with the number of products made or sold, such as rent.
Variable costs
Costs that change directly with the number of products made or sold, such as raw materials.
Total costs
Fixed costs + total variable costs.
Profit
Total revenue minus total costs, when revenue is greater.
Loss
When total costs are greater than total revenue.
Interest
The cost of borrowing money, paid on top of the amount borrowed.
Break-even
The point where total revenue equals total costs, so there is no profit and no loss.
Break-even output
The number of units a business must sell to cover its costs.
Margin of safety
The difference between actual sales and break-even output.
Break-even diagram
A graph showing fixed costs, total costs and total revenue, and where they cross.
Cash
Money a business has available to spend immediately, in the bank or in the till.
Cash flow
The movement of cash into and out of a business.
Cash inflows
Money coming into a business, such as cash sales and loans.
Cash outflows
Money going out of a business, such as wages, rent and stock.
Net cash flow
Cash inflows minus cash outflows.
Opening balance
The cash a business has at the start of a period - last period's closing balance.
Closing balance
Opening balance plus net cash flow.
Insolvency
When a business cannot pay its debts when they are due.
Cash-flow forecast
A prediction of a business's cash inflows and outflows over future months.
Overdraft
An agreement allowing a business to spend more than is in its bank account, up to a limit.
Trade credit
When a supplier allows a business to pay for goods some time after receiving them.
Personal savings
The owner's own money put into the business.
Loan
A fixed sum borrowed and repaid with interest in regular instalments.
Share capital
Money raised by selling shares in a business.
Venture capital
Investment in a new or small business with high growth potential, in return for a share of it.
Retained profit
Profit kept in the business to be reinvested.
Crowdfunding
Raising money from a large number of people, each investing a small amount, usually online.