For your initial post: Assume you are going to a bank to apply for a loan for a new product you would like to manufacture and sell or provide a new service to clients. Use your imagination to think of a product or service? What types of expenses would be involved to make the product or service that would be included in your cash flow model? How would you estimate revenue for your product or service? What other factors should you consider in developing pro forma cash flows? What revenue or expense assumptions might be most affected by a sensitivity analysis?