A business plan organized the way lenders review it.

Who it's for

• SBA loan applicants: 7(a), 504, and microloans.
• Bank and credit union borrowers: term loans, equipment loans, and lines of credit that call for a plan.
• Business buyers: acquisitions where the lender wants your plan and projections for the business you're buying.
• Expanding businesses: a second location, new equipment, a renovation.
• Existing businesses refinancing, or preparing for a lender's annual review.

Not the right fit if you're raising equity from investors. The Investor Plan + Deck is built for that.

What lenders commonly look for, and where it is in your plan

Lenders each have their own requirements and make their own decisions. These are questions loan officers commonly ask, and the place the plan answers each one.

• How much do you need, and what is it for?

  Funding request: amount, loan type, and a sources and uses table that adds up to the total project cost.

• Can the business repay?

  Financial projections, debt service coverage ratio (DSCR) by year, and a debt coverage plan.

• What if sales come in slower?

  A lender stress case: lower volume, slower ramp, and higher costs, shown side by side with the base case.

• Who's running it, and how much are they putting in?

  Management and ownership, owner experience, and the owner equity injection.

• Is the market real?

  Market analysis with cited local population, income, and industry data, plus named competitors and their prices.

• How will it operate?

  Operations: location, equipment, staffing, suppliers, licenses, and a milestone timeline.

• What secures the loan?

  Collateral and personal guarantees section, based on what you tell us.

What's included: plan sections

• Executive summary: loan request at a glance, repayment summary, key highlights.
• Company description: overview, mission, history and current status, competitive advantages.
• Market analysis: industry overview, target customers, trends, local demand (cited).
• Competition: named competitors and how you win.
• Management and ownership: ownership table, organization chart, team, advisors.
• Products and services: what you sell, suppliers, licenses.
• Marketing and sales: positioning, pricing, channels and budget, sales process, retention.
• Operations: location, equipment, staffing plan, insurance, milestones.
• Funding request: request summary, sources and uses of funds, proposed loan terms, future needs.
• Financial projections: key assumptions, 3-year profit and loss, cash flow, balance sheet, DSCR, break-even, and a lender stress case.
• Collateral and guarantees: collateral offered and personal guarantees, as you provide them.
• Appendix: monthly Year 1 cash flow, supporting documents list, full source list.

Working with your lender, CPA, or broker

Your files are yours to share. Lenders and CPAs can open the Excel model, follow the formulas, and test the assumptions themselves. We don't contact your lender or submit anything on your behalf. You stay in control of your application.

Your financial model

• 3–5 years of projections, month by month for Year 1.
• Profit and loss, cash flow, and balance sheet.
• Sources and uses of funds, and a loan payment schedule.
• Debt service coverage ratio (DSCR) by year, and break-even.
• A lender stress case next to the base case.
• An assumptions tab where every input is labeled as yours, from research, or an estimate.
• For existing businesses: your historical results alongside the projections.
• The financial figures in your plan come from the model, and our QA review checks that they match. If you change the model later, you'll know exactly which numbers to update.

Deliverables and file formats

• Lender-ready business plan

  Word (.docx)

  Edit, add your letterhead, update later

• Lender-ready business plan

  PDF

  Attach to your loan package

• Financial model

  Excel (.xlsx)

  Let your lender or CPA check the math and test assumptions

• Source list

  In the plan appendix

  Show where market figures came from

What we need from you

• About 35–45 minutes for the questionnaire, plus time to gather documents. It is planned to save as you go. The form is not on this site yet.
• Your loan amount and what it's for. Quotes or estimates are fine.
• Owner background and how much cash the owners are putting in.
• Existing businesses: the last 3 years of business tax returns and year-end financial statements, if you have them. Missing something does not have to block you.
• Buying a business: the purchase price and the seller's recent financials.
• A few questions lenders will ask you (credit history, citizenship status, personal net worth) so you're prepared. Those answers are not printed in the plan.

How it's made

Your plan is built in a set sequence: your questionnaire answers, cited market research, a formula-driven Excel model, a plan draft, a checklist QA review, and a final review and approval before delivery.

Turnaround and revisions

Delivered Turnaround coming soon after your questionnaire is complete.

Revisions: Revision terms coming soon Revisions cover our work and don’t depend on any lender’s decision.

Questions