Bank/SBA          Business Plans

Raise Capital, Get Funded, Get a Loan, Secure a Visa with our high quality and tailor-made Business Plans



Companies which are seeking Bank Funding, Lines of Credit, SBA Loans and Equipment Loans need a well written Bank or SBA Complient Business Plans. 

Through banks, the U.S. Small Business Administration provides general small-business loans with its 7(a) loan program, short-term microloans and disaster loans. SBA loans range from about $5,000 to $5 million, with an average loan size of $371,000.

No matter which loan program or bank a client chooses, a well-written SBA business plan is a requirement. The SBA requires a business plan that includes certain key features to be submitted along with the application for its programs. A strong, carefully thought out business plan showcases your commitment to your concept and demonstrates your willingness to put in the time and effort needed to provide your business with a firm foundation.

From compelling, in-depth market research to detailed financials, a our Bank/SBA Business Plan includes everything necessary to support your bid for bank funding.



Before you get to the bank with the plan, prepare yourself  and your business plan.

1. As you develop your plan, set realistic assumptions about financing options. Bankers expect you to know the basics before you walk in their door.

  • They can’t loan you money just because they believe in your business plan. Laws that protect depositors’ money prohibit banks risking that money on speculation. Banks can make loans to borrowers who pledge assets they will lose if they are unable to pay.

  • Many entrepreneurs pledge personal assets to borrow money for their business. Understand that if you do this, you risk losing your house, your savings, or whatever else you pledge.

  • If you are applying for an SBA loan, you’ll need to present an excellent business plan — and 30 percent of the financing. SBA loans will provide up to 70 percent of the money you need — if you get approved, that is.

2. The bank will ask for past tax returns to prove whatever information you provide about your personal or business income. Be prepared to explain any discrepancies between your financials and your tax returns.

3. Obviously you should prepare a plan to be read, and you can evaluate the bank by how closely they read your plan. A bank that wants a relationship with you will read your plan, because they want to know who you are and what you plan to do. 

4. A business owner establishes credibility, and thus improves their chances of securing financing, by demonstrating their knowledge of their company’s past, present and future, or, to put it another way, by sharing their business plan.

5. Here are five things banks look for in a business plan:

a. Background

Banks want to know who you are, what you’ve done, and what your company has been doing. They look for tangible and intangible attributes.

​Commonly asked questions include:

  • How long have you been running this business?

  • What did you do before starting your business?

  • What does your business do?

  • How does your business make money?

  • Could your business run without you?

Bankers want to develop a sense of your personality, substantiating past successes and owning up to weaknesses helps them paint a picture of who you are.

Bankers also want to assure that you and your team have the right mix of skills and experience. For example, if you only started your engineering firm a few years ago but you worked as an engineer for 20 years before that, then sharing your experience managing projects and people would be beneficial. Or, if you are more of a technician than a salesperson, demonstrating that you have an experienced salesperson who can help you grow the business could offset your relative weakness in selling.

You also should be able to prove the business is sustainable, especially without you.

b. Market Analysis

Demonstrating knowledge of your industry and any challenges particular to it is crucial, as well as knowing with whom you compete and how also to establish credibility.

Bankers commonly ask questions like:

  • What do you sell?

  • Why do people buy?

  • How big is your market?

  • Who are your competitors?

  • How do you differ?

c. Financials


​One of the most convincing things you can show a banker is the existence of a strong, well-documented flow of cash that will be more than adequate to repay a loan’s scheduled principal and interest. 

​Financials prepared by a well-respected business planning company are especially credible.

Banks also want to make sure that the business owner can talk to those numbers as well. Knowledge equals credibility.

Business owners should be prepared to answer questions like:

  • Why did the cost of goods sold change?

  • Why have you taken so much money out of the company?

  • How are you building up a balance sheet to protect against an economic downturn?

f you provide projections to a bank, prepare to prove that your assumptions are realistic. When selling multiple products and services, bankers will want to see that each area could stand on its own so that the whole business doesn’t depend on a single area.

d. Challenges

Sometimes business owners can have rose-colored glasses on, but banks also want to hear what their perceived weaknesses are as individuals and businesses. What hurdles do they have to overcome in the market?

For example, if you excel at engineering but not at managing your company’s financials, you should explain that as well as your solution, like hiring a qualified bookkeeper or even a temporary CFO. Or, if you have a partner who offsets your lack of organizational skills, then explain how you work together.

e. Use of Funds

According to a U.S. Small Business Administration article, to prepare a loan proposal, you need to clearly address:

  • How much money you need.

  • How your business will use the money.

  • How you will repay the loan.

  • What you will do if your business is unable to repay the loan.

Bankers want to see that you have personally invested in your business and to know that you will continue to do so. They also want to confirm that you would use the borrowed funds correctly.

For example, if you are applying for a line of credit to provide a short-term bridge until your receivables are paid, you should be able to demonstrate that you understand the importance of continuously paying the line down so that you could access it in the future.

Schedule your free consultation and see how you can make a difference for your business and hit your goals.