A business plan a lender, a partner — or you — can actually act on
Whether you are applying for a loan, bringing in a partner, opening a second location or simply trying to see the next twelve months clearly, we write the plan with you: the market, the operations, the marketing and the numbers, in the format the reader expects.
Four reasons owners come to us for a plan
- A loan or SBA application. Lenders want a specific structure: business description, market analysis, management, operations, marketing plan and three years of projections with assumptions they can check.
- A new venture. You are starting, and you need to see whether the numbers work before you sign a lease or buy equipment.
- Growth or a second location. An existing business with real figures, planning the next step and what it will cost to staff and market.
- A partner, investor or landlord. Someone outside the business needs a clear, honest document before they commit.
What we write, section by section
Executive summary
The one page a lender or partner actually reads first: what the business does, who it serves, what you are asking for and why it works.
Company & management
Structure, ownership, licensing, the team and the experience behind it — the credibility section.
Market & competition
Your service area, the customers in it, the competitors already there, and where you fit. Sourced research, not filler.
Products, pricing & operations
What you sell, how it is priced and delivered, suppliers, equipment, staffing and the day-to-day workflow.
Marketing plan
How customers will find you — search, Google Ads, referrals, social — with a budget that matches the revenue you are forecasting.
Financial projections
Startup or expansion costs, a three-year profit and loss, cash flow, break-even, and the assumptions behind every line.
The marketing section is not a formality here: we build it from the same playbooks we use for clients, so the spend in your plan reflects what the work actually costs.
| Section | What they are checking | What we prepare |
|---|---|---|
| Executive summary | Can they understand the business and the ask in one page? | A one-page summary written last, once the numbers are settled |
| Market analysis | Is there real demand in this service area? | Sourced research on the area, the customers and the competitors already there |
| Marketing plan | Will customers actually find this business? | Channels and a budget costed at real rates, not a placeholder line |
| Financial projections | Do the assumptions hold up, and when does it break even? | Three-year P&L, cash flow and break-even with every assumption written down |
These are the sections lenders and SBA resource partners expect; the detail comes from your business.
The process
- Discovery session. We sit down with you (in person or on a call) and go through the business, the goal for the plan, and who is going to read it.
- Numbers gathering. You share what exists — bank statements, tax returns, quotes, a lease, a price list. For a new venture we build the assumptions with you instead.
- Research and drafting. We research the market and competitors, write the narrative sections and build the financial model.
- Review together. You read the draft, correct anything that is not true to the business, and we revise. Your plan should sound like you, not like a template.
- Final document. A formatted plan you can send to a lender, a partner or an investor, plus the working spreadsheet so you can update it as the business changes.
What a plan can and cannot do
A business plan does not guarantee funding and we will not promise one. What it does is force the questions a lender will ask before they ask them, put honest numbers next to your ambitions, and give you a document you can hand to someone who needs to decide.
If the numbers do not work, we will tell you that during the process rather than at the end. That answer is worth more than a polished plan for a business that cannot carry its own costs.
Business plan questions
How much does a business plan cost?
It depends on the depth: a plan for a lender with three years of projections is more work than an internal planning document. We quote a flat fee after the discovery session, so you know the number before we start.
How long does it take?
It depends mostly on how quickly the financial information comes together. We set the schedule at the discovery session and tell you what we need from you at each step.
Do you write SBA-format plans?
Yes. We follow the structure lenders and SBA resource partners expect, and we format the financials so a loan officer can follow the assumptions.
Can you do just the financial projections?
Yes — some owners have written the narrative themselves and need the model, the break-even and a second opinion on the assumptions.
Do you help after the plan is written?
That is usually where it gets useful. The marketing section becomes real work under business consulting, Google Ads and SEO, and we update the plan as the business changes.
Do you work with businesses outside Washington?
Yes. The discovery session and reviews run on a call, so we write plans for clients across the United States; market research is done for your own service area wherever that is.
Talk to us about your business plan
Tell us what the plan is for and who is going to read it. We will walk you through what is involved, what we need from you, and what it will cost — before you commit to anything.