Lender-ready business plans with 36 months of projected financials, written assumptions and debt service coverage, for any industry. Written by someone who has worked on the bank side of small business lending.
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Underwriters read a plan to answer one question: can this business repay the loan? Each plan is organized around that question, with the numbers tied back to written assumptions.
| Line item | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Revenue | 612,000 | 648,700 | 681,100 |
| Operating expenses | (384,500) | (401,200) | (416,800) |
| EBITDA | 227,500 | 247,500 | 264,300 |
| Owner draw | (60,000) | (60,000) | (62,000) |
| Cash available for debt service | 167,500 | 187,500 | 202,300 |
| Annual debt service | (126,400) | (126,400) | (126,400) |
| DSCR | 1.33x | 1.48x | 1.60x |
A complete, custom-written plan for 7(a), 504, Express and USDA loans, formatted the way lenders expect to receive it.
Integrated monthly and annual projections built from your historicals or, for startups, from industry benchmarks.
Plans for buying an existing business or buying out a partner, built on the seller's tax returns and your post-close plan.
Send the plan or projections you already have. We find the gaps a credit officer will flag and fix them before you submit.
Your financials are analyzed the way a bank spreads them, so problems with cash flow or coverage get fixed before the lender sees them.
Every projected figure ties to a written assumption, so you can answer the credit officer's questions with confidence.
Each plan is written for your business, your market and your loan request, in plain language a loan committee can follow.
Founded by Daniel Gutierrez, a banking consultant whose work centers on credit risk, underwriting platforms and small business lending. He has helped owners in childcare, logistics, laundromats and auto export put together their SBA loan packages.
A short call about your business, your loan request and your lender's timeline.
Tax returns, interim financials, quotes or a purchase agreement. We send a simple checklist.
Research, writing and a fully integrated 36-month financial model.
Walk through the plan and the numbers, and request changes.
Final plan in Word and PDF, projections in Excel, ready to send.
A sample of the businesses we write plans for:
Most SBA lenders require one for startups, acquisitions and expansions, and many ask for projections on any request where historical cash flow alone doesn't show repayment. Your lender will tell you what they need, and we'll match it.
Usually the last three years of business tax returns (or the seller's, for an acquisition), interim financials, your resume, and any quotes, leases or purchase agreements. We send a checklist after your consultation.
Pricing depends on the loan type and how complex the financials are. You'll get a fixed quote after your free consultation, before any work begins.
We set a delivery date on your first call based on your lender's deadline. Tell us your timeline in the form notes if you're in a hurry.
No one can. Approval depends on your credit, collateral, equity injection and the lender's own policy. A strong plan makes your case as clear and well supported as it can be.
No. SBA Ready Plans is an independent business-planning service. We prepare plans that meet SBA lender requirements; the SBA and your lender make all loan decisions.
Name, email and phone. That's all it takes to get started.