Business plans for SBA and bank loans.
A lender reads a business plan for one thing, which is whether the loan gets paid back, and most plans are written for an investor who wants to hear about upside. I write the plan the credit officer needs, with the repayment case up front and a model that shows it, so the answer is in the document rather than in the follow-up questions.
A detailed brief, so your quote is built on your facts rather than my assumptions. Most questions are optional. I reply with a written quote within 2 working days: the scope, the price and the timeline.
What the work covers
This is the work itself, which I scope and price in a written quote once I've read your brief.
- A business plan written to the lender's checklist, with the repayment case leading.
- A financial model in Excel with live formulas: the loan, the rate on the day, the repayment schedule and debt service coverage.
- One itemised total of what the money is for, with the sources set against it, including your own money in the deal.
- Management experience written for a credit committee, not a pitch.
- A downside case that still shows the loan being serviced, or says plainly what would cover it.
- The plan in Word and PDF, so your lender can work with it.
Raising from investors instead? Business plans for investors →
Who this is for
Owners applying for an SBA 7(a) loan to start, buy or expand a business.
Buyers financing an acquisition, where the lender wants the plan and the seller's figures to agree.
UK owners going to a bank or a government-backed start-up loan.
How I work
01
Send the brief
You fill in the project brief: the business, the loan, the lender if you have one, and any figures you already have. Most questions are optional.
02
Your quote
Within 2 working days I email you a written quote for the plan: the scope, the price and the timeline. You don't need a call.
03
The numbers first
I build the model before the words, so every figure in the plan comes from one place.
04
The plan
I write it to the lender's checklist, with the repayment case leading and the risks answered before they are asked.
05
Ready to submit
You get the plan and the model, ready to hand to your lender.
Outcomes
You go to the lender with a plan that answers the credit officer's questions in the order they ask them, so the conversation is about the terms rather than the gaps.
Common questions
- What is the difference between a loan plan and an investor plan?
- An investor plan sells the upside. A loan plan proves the downside is covered, so it leads with repayment, uses and sources and the owner's own money in the deal, and keeps the growth story short.
- Do you write SBA business plans for US businesses?
- Yes. The lender's questions are the same wherever I sit, and the model uses US terms, the rate on the day and the lender's own requirements.
- Can you work from figures I already have?
- Yes, and it is quicker. Anything missing becomes a stated assumption in the model, marked so your lender can see which figures are yours and which are estimates.
- How much does a loan business plan cost?
- It depends on the loan and the business. Send me a project brief and I reply within 2 working days with a written quote: the scope, the price and the timeline.
Tell me about the project.
Send me a project brief, with as much detail as you can, and I reply with a written quote within 2 working days. If you’d rather talk first, book a paid consultation, or send an email.
Send a project brief