Description
An SBA-ready business plan, written for you
Every SBA microloan application asks for a business plan. Not a summary, not a pitch deck — a written plan with financial projections that an intermediary lender can read, check and file. It is the single document that decides how much you are offered, and it is where most applications stall.
This is that document, written for you by our team. You answer a questionnaire about your business, upload your logo, and in about 3–5 business days you get back a complete, formatted plan with a branded cover, ready to submit.
What is in your plan
SBA intermediaries have told us what they need, and it is specific: a well-constructed plan in a recognised format, with enough detail to make a decision and no more. Your plan covers the sections lenders look for:
- Executive summary — what the business is, who runs it, and why it will work. The section most lenders read first and some read only.
- Company description — the problem you solve, who you serve, and what you do better than the businesses already doing it.
- Market analysis — your industry, your target customers, and what your competitors are doing. Researched, not asserted.
- Operations and management — your legal structure, who is responsible for what, and how the business actually runs day to day.
- Products and services — what you sell, what it costs you, and what it earns.
- Sales and marketing — how you get customers and keep them. This is the section that has to line up with your revenue projections.
- Funding request — how much you need, exactly what it buys, and the terms you are asking for. Vagueness here costs applicants money.
- Financial projections — profit and loss, cash flow and balance sheet, projected forward. For an established business, your existing statements as well.
- Appendix — the supporting documents that back the rest up.
How it works
- Answer the questionnaire. We ask for the details we need about your business — what it does, who it serves, what the money is for, and your numbers. No writing required.
- Upload your logo. It goes on the cover, with your business name.
- We write it. In about 3–5 business days our writers build the plan, format it the way intermediary lenders expect, and send it back ready to attach to your application.
Included free with every plan: our SBA Micro Loan guide ($37 value), which walks through the application itself — who the intermediaries are, what they ask for, and the order to do it in.
Why the plan decides your loan
The SBA does not lend to you directly. It funds intermediary lenders — non-profits and community development organisations — and each one makes its own loans and its own decisions. They see far more applications than they can fund, and the business plan is how they separate them.
Microloans run up to $50,000, with an average nearer $13,000 and terms up to seven years. They exist for the businesses banks turn down: new companies, thin credit files, and owners who need working capital, equipment or inventory rather than property. Credit requirements are more forgiving than a bank’s. The plan is not.
Two things go wrong when applicants write their own. Either the plan says too little, and the lender cannot judge whether the business repays — so they offer less than you asked for, or nothing. Or it says too much in the wrong places, and the numbers that matter are buried. A professional business plan writer will charge $1,000 and up and still may not produce what an SBA intermediary specifically wants to see.
What it costs
A custom written business plan is $189, reduced from $399, with the SBA Micro Loan guide included.
You can read a complete plan before you decide — the sample is a real plan in the format yours will be delivered in, so you can see exactly what arrives.
Questions
Do I have to write any of it myself?
No. You fill out an information questionnaire about your business and upload your logo. Our writers do the rest.
How long does it take?
About 3–5 business days from the point we have your completed questionnaire.
Will it be accepted by SBA microloan lenders?
It is written specifically for the SBA microloan application, in the format intermediary lenders ask for. Each intermediary sets its own criteria and makes its own decision — no one can promise an approval — but the plan will not be the reason you are turned down for want of a document.
Can I see a plan before I buy?
Yes. There is a complete sample plan on the site, in the same format yours will be delivered in.
Does my credit score matter?
Less than it would at a bank. The microloan program is designed for borrowers banks decline, and intermediaries are considerably more forgiving on credit than traditional lenders. Your plan and your projections carry more weight.
Can I use the plan for something other than an SBA microloan?
Yes. It is a complete traditional business plan — the same document works for other lenders, for investors, or for running the business. It is simply built to satisfy an SBA intermediary first.
Who writes it?
Our own team. SBA50K.com has worked on the SBA microloan program since 2011, which is where the format comes from — it is what intermediaries told us they wanted to see.
