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I use Business Plan Pro and also found the ratio section a little frustrating as some were incorrectly calculated... You are able to go in an manually correct but it's a pain...

Keep in mind that it calculates around 40 different ratio's, many of which are probably not “key” to the business you are in... suggest you decide which one's a lender would make their decision based on and provide only those in your “formal” business plan... at best the other ratios may be distracting to the loan discussion... Just make sure you pick the ones that are important for your industry, not the ones that “look the best” :)

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