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As startups and SMEs are increasingly emphasizing on their enterprise plans to estimate the ROI, in addition to predict way forward for respective businesses, the demand for business planning software is on the rise.A business plan software analysis additionally permits the brand new business owners to grasp the fundraising methods and enlargement insurance policies. Now the key challenge in respect of cost of financing. Following the current improve(November 2011) by Financial institution of Uganda of the Bank Charge to 29%, I can expect that the commercial banks will enhance their lending charges to an average of 31%. The Financial institution charge is the speed at which commercial banks can borrow from the Central Financial institution as a lender of final resort. The significant cost of financing will as we shall see later on may have a big impression on anticipated return on capital.