Having built many these models, it's now my opinion that if you are at the stage where you're needing a template for a business plan, you better have a product that fits a real need and that delivers a product with margins. Too often in early stage companies, the model is built top-down to meet someone's expectations about a previous company they sat on the board of, helped found, etc. If a template engenders a more thoughtful, fact-based approach to operating the business, that's healthy stuff. Otherwise, set short-term goals. Try to hit them. (And in today's environment, find a path toward gaining customers without having to raise capital). $0.02