Home / / Plano de negócios: o que é e a sua importância para uma empresa

Plano de negócios: o que é e a sua importância para uma empresa

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Um plano de negócios é um documento onde se encontram descritos os objetivos de um negócio e quais os passos a serem dados a fim de alcançar estes. Assim diminui-se os riscos e incertezas para o empreendedor, empresa e até mesmo potenciais investidores.

Um dos passos fundamentais para a validação, concretização e desenvolvimento dos vários projetos empreendedores é a criação deste documento e do seu respetivo modelo financeiro. Através deste, é possível comprovar o potencial, a viabilidade e sustentabilidade da ideia de negócio perante negociações com investidores a fim de angariar os recursos necessários ou perante possíveis parceiros de negócios.

Devido ao excesso de confiança e entusiasmo, todos os empreendedores consideram que a sua ideia de negócio é extraordinária e a melhor entre todas as outras. Porém, é necessário que este compreenda que para os indivíduos exteriores, como potenciais investidores, esta ideia à primeira vista é apenas mais uma entre várias que recebem doutros empreendedores. Por este motivo, é fundamental que a ideia seja bem definida e bem apresentada num plano de negócios a fim de obter uma aprovação positiva por parte destes.

A maioria dos empreendedores só elabora este documento quando iniciam um negócio ou quando pretendem um financiamento, contudo, o plano de negócios também é bastante importante para gerir o negócio, independentemente da necessidade ou não de um investimento. Com este, o empreendedor terá um plano base para a estruturação e defesa da sua ideia, identificando os aspetos fundamentais desta e definindo a alocação dos diversos recursos para que o projeto possa ser desenvolvido.

Papel do plano no negócio

O sucesso do negócio começa com um bom plano e será esta a base de vida da empresa nos primeiros tempos de vida. Este documento deve ser visto como uma parte do processo de criação de valor. Ou seja, deverá conter o máximo de detalhe sobre todas as etapas que envolvam ou façam parte do negócio.

Um bom plano de negócios deve ser claro e conciso permitindo que o leitor seja capaz de compreendê-lo sem grandes esforços. Este também deve ser o mais realista possível, sendo que a informação deve ser apoiadas por factos preferencialmente de fontes institucionais ou especializadas. Deve ser investido o tempo que for necessário para uma escrita detalhada, o que poderá levar dias, semanas ou até meses a ser concluído.

Após escritas as primeiras versões deste documento, deve ter ainda em atenção a revisão. Não só de quem o escreveu, mas também por outros, de modo a garantir que este documento encontra-se livre de erros gramaticais e ortográficos, uma vez que estes tendem a criar um impacto negativo.

Tipos de plano de negócios

Existem vários tipos de planos de negócios, sendo os principais:

Start-up Plan

Também conhecido como plano inicial. É o tipo de plano mais comum e onde são definidas as linhas gerais de uma nova ideia de negócio. Estas incluem tópicos como o tipo de empresa, análise de mercado, equipa de trabalho, introdução do produto ou serviço, estratégias de implementação, análise financeira, entre outros.

Later Stage Plan

Também conhecido como plano de crescimento ou expansão. Foca-se numa área especifica de negócio ou num negócio secundário, podendo ser planos internos à empresa ou externos, dependendo se pretende obter financiamentos ou não.

Turn-around Plan

Também conhecido como plano de reestruturação. Foca-se na identificação dos problemas e nas propostas de solução através de alterações à estratégia, visando a viabilização da empresa.

Importância do plano de negócios

Um plano de negócios é importante pois desempenha funções relevantes, sendo que as principais são:

  • Auxilia na validação da ideia, através do qual o empreendedor obtém informações suficientes e relevantes para determinar se deve iniciar ou não o projeto;
  • É um documento essencial para a negociação com partes interessadas (como os investidores) para obtenção de recursos;
  • Na elaboração deste documento, o empreendedor estuda a viabilidade do seu negócio, possibilitando a criação de ações preventivas contra possíveis ameaças e desafios, analisa detalhadamente o mercado alvo e os seus potenciais clientes, o que resulta numa diminuição de risco associado;
  • Estimula a comunicação entre o empreendedor e a sua equipa uma vez que este documento será elaborado com intervenção de todos;
  • Permite identificar previamente necessidades de alterações ou reformulações da ideia de negócio;
  • Constitui uma ferramenta dinâmica sendo que sempre que necessário pode e dever ajustada e revista com as novas exigências e necessidades do negócio.

Dicas de escrita do plano de negócios

Não há maneira certa ou errada de escrever um plano de negócios, o importante é que este plano corresponda ás necessidades. Assim, é bastante importante que este documento reflita os objetivos e personalidade do empreendedor. Por isso, é extremamente recomendável que seja este a escrevê-lo e não alguém contratado de fora. Ninguém irá entender melhor o negócio do que o próprio empreendedor. Além disso, esta preparação do plano de negócios irá ajudar a conhecer melhor as dificuldades e a encontrar as devidas soluções. Porém, este pode obter ajuda da sua equipa de trabalho e mentores para a elaboração do documento, mas deverá sempre partir do empreendedor.

Tamanho do documento

Por fim, relativamente ao número de páginas recomendadas, normalmente este documento contêm cerca de 20 a 40 páginas de texto, de fácil leitura, texto bem espaçado, com marcações, ilustrado com gráficos e pequenos quadros financeiros. Informações mais detalhadas deste são apresentados em apêndices. Porém, não se deve adotar esta métrica uma vez que a facilidade de leitura e espírito de síntese são mais relevantes do que o número de páginas que este apresenta. Um bom plano de negócios deve dar ao seu leitor uma boa ideia geral dos seus principais conteúdos, mesmo após uma breve leitura em diagonal de não mais de 15 minutos.

É recomendado fortemente a utilização de componentes visuais, tanto quanto possível. Podem ser gráficos para ilustrar números, fotografias e desenhos para mostrar localizações, produtos, exemplos de menus, fotos de produtos e outras ilustrações. Contudo, estas devem ser relevantes para a matéria em questão, a fim de aumentar o entendimento da leitura.

Existem vários modelos de planos de negócios disponíveis de forma gratuita. Estes podem ser um bom aliado na organização e orientação de pensamentos, evitando que o empreendedor ande perdido sem saber que tópicos incluir no documento. No entanto, este não precisa de seguir os modelos, podendo utilizar apenas as seções que fazem mais sentido para o seu negócio e respetivas necessidades.

 

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