SBA Business Plan Writing Services – Get a Custom Business Plan for SBA Loan Approval
At Wise Business Plans, we've assisted entrepreneurs in securing over $2 billion in funding through meticulously crafted business plans tailored for SBA and bank loans. Our expertise lies in developing comprehensive, bank-ready business plans that not only meet but exceed lender expectations.
What Is a Bank-Ready Business Plan?
A bank-ready business plan is a strategic document designed to meet the specific requirements of lenders, particularly for SBA and traditional bank loans. It provides a clear and concise overview of your business, demonstrating its viability and your ability to repay the loan.
Key components include:
- Executive Summary: A snapshot of your business, mission, and objectives.
- Company Overview: Detailed information about your business structure, ownership, and history.
- Market Analysis: Insights into your industry, target market, and competitive landscape.
- Products and Services: Descriptions of what you offer and how they meet market needs.
- Marketing and Sales Strategy: Plans for attracting and retaining customers.
- Operational Plan: Day-to-day business operations and logistics.
- Management Team: Backgrounds of key team members and their roles.
- Financial Projections: Detailed financial statements, including income statements, cash flow projections, and balance sheets.
What Is a Bank-Ready Business Plan?
A bank-ready business plan is a strategic document designed to meet the specific requirements of lenders, particularly for SBA and traditional bank loans. It provides a clear and concise overview of your business, demonstrating its viability and your ability to repay the loan.
Key components include:
- Executive Summary: A snapshot of your business, mission, and objectives.
- Company Overview: Detailed information about your business structure, ownership, and history.
- Market Analysis: Insights into your industry, target market, and competitive landscape.
- Products and Services: Descriptions of what you offer and how they meet market needs.
- Marketing and Sales Strategy: Plans for attracting and retaining customers.
- Operational Plan: Day-to-day business operations and logistics.Investopedia+1Architectural Digest+1
- Management Team: Backgrounds of key team members and their roles.
- Financial Projections: Detailed financial statements, including income statements, cash flow projections, and balance sheets.
These elements collectively demonstrate to lenders that your business is well-planned, financially sound, and capable of repaying the loan.
What Prevents You From Obtaining a Small Business Loan?
The 8 factors that prevent you from obtaining a small business loan
- A bad credit history
- Insufficient cash flow
- Lack of business plan
- A lot of loan applications
- Disorganization
- The failure to seek expert advice
- Long Wait Times to Funding
- Complex Process. Endless Paperwork
How Wise Business Plans Can Help You?
Whether you need to build your credit history, increase cash flow, need expert advice or help with writing your bank business plan, wise business plans have covered you! Get started with Wise Business Plans now!
What Our Customers Have to Say
The Bank Business Plan is about 25-30 pages in length, including color charts and graphs, and consists of the following components:
-
Plan Overview
- Executive Summary
- Financial objectives
- Repayment of debt.
- Startup or expansion summary
- Products or Services
-
Market Analysis
- Market Size
- Market segmentation
- Location
- Targeted demographics
- Market needs
-
Marketing Information
- Marketing objectives
- Marketing strategy
- Competitive analysis
- Competitive advantages
-
Operations Analysis
- Management
- Keys to success
- SWOT analysis
- Barriers to entry
- Milestones
-
Complete Financials
5 year proforma financial projection include- Personnel forecast
- Revenue forecast
- Break-even analysis
- Income statement
- Cash flow statement
- Balance sheet
- Sensitivity analysis
- Financial indicators
- Financial assumptions
Who Needs a Bank-Ready Business Plan?
A professionally written business plan is essential for various scenarios, including:
- Startups Seeking SBA or Bank Loans: New businesses requiring capital to launch operations.
- Established Businesses Expanding Operations: Companies looking to grow and needing additional funding.
- Entrepreneurs Seeking Debt Financing: Individuals aiming to secure loans for new ventures.
- Business Owners Pursuing Investor or Franchise Opportunities: Those looking to attract investors or expand through franchising.
In these cases, a well-structured business plan serves as a critical tool for securing financing and guiding business growth.
Hire the Professional SBA Business Plan Writers
Your Professional SBA business plan writers design a plan that meets all the SBA requirements to ensure your loan is approved. In addition to demonstrating that your management team is qualified to succeed in your industry, you will also have a compelling financial case in that you are able to repay your loan with healthy profits left over.
Our experts have worked with the SBA and small business development centers for more than 15 years, so you never have to worry about understanding all requirements for SBA loans or grants.”
Programs the SBA loan programs provide funding of up to $2 million, and each Wise Business SBA Loan Business Plan meets and exceeds bank and SBA requirements, business plan for SBA loan and guidelines.
While we cannot guarantee your loan will be approved, we can bet it will never be rejected based on our well-developed SBA loan business plan. Get started today to find out how Wise Business Plans can help you create a bank business plan that complies with SBA guidelines.
Safety First
Take precautions against predatory lenders by looking for warning signs.
- Lenders sometimes impose unfair and abusive terms on borrowers by deception and coercion.
- Watch out for interest rates that are significantly higher than competitors’ rates, or fees that are over five percent of the loan value.
- Ensure the lender discloses the annual percentage rate and full payment schedule.
- Lenders should never ask you to leave blank signature boxes or lie on paperwork.
- Don’t take out a loan under pressure.
- Prior to signing for your next loan, compare competing offers and consult a financial planner, accountant, or attorney.
Business Plan for SBA Loan Programs
The SBA offers a variety of SBA Loan programs to small business owners: The SBA 7 a Loan Program, export loans, rural business loans, Community Advantage loans, the Express and Pilot programs, microloans, and the CDC 504 Loan Program.
These SBA approved business plans are designed to assist small businesses with gathering working capital, buying land or a building; paying for repairs, new construction, or expansion; and purchasing supplies, equipment, fixtures, machinery, furniture, or materials. The programs can also assist those looking to purchase an existing business.
But no matter which SBA loan programs or bank a client chooses, a well-written SBA approved 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 SBA loan business plan that 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 Wise Bank Business Plan includes everything necessary to support your bid for bank funding.
Every plan includes our suite of professional services
You’ll receive a document written in Microsoft Word, financials custom-built in Microsoft Excel, and a finished plan laid out in professional graphic programs by skilled designers.
Pitch Deck Debt Financing (Optional)
A Wise Business Plan Pitch Deck helps direct investor attention to the points you most want to emphasize while condensing your presentation to potential funding sources. This Pitch Deck is a good option for debt financing.
Why Choose Wise Business Plans
Wise Business Plans develops bank ready business plans that raise capital reliably.
Expertise in SBA and Bank Loan Requirements
Our team is well-versed in the specific criteria lenders look for, ensuring your plan aligns with their expectations.
Customized Plans Tailored to Your Business
We avoid generic templates, crafting plans that reflect your unique business model and goals.
Comprehensive Financial Projections
We provide detailed financial statements that demonstrate your business's potential for success and ability to repay the loan.
Professional Design and Presentation
Our plans are not only informative but also visually appealing, enhancing readability and impact.
A Proven Track Record of Results
With over $2 billion in funding secured for our clients, we’ve helped thousands of entrepreneurs take the next step in their journey.
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FAQs
A bank-ready business plan is a professionally written document tailored to meet the underwriting requirements of traditional banks and SBA lenders. It includes essential sections such as the executive summary, company description, market analysis, competitive strategy, operations, and financial projections. This type of plan is critical when applying for funding like a term loan, business line of credit, or SBA 7(a) or SBA 504 loan, because it demonstrates your business’s viability, risk profile, and repayment ability—key factors banks use when deciding whether to lend.
A comprehensive business plan is typically required when applying for:
- SBA 7(a) Loans (general purpose loans up to $5 million)
- SBA 504 Loans (for equipment or real estate)
- SBA Microloans (up to $50,000)
- Traditional Term Loans (offered by banks and credit unions)
- Business Lines of Credit
- Commercial Real Estate Loans
- Startup Business Loans
Lenders want to see how the loan will be used, when it will be repaid, and what return they can expect in terms of financial sustainability. A bank-compliant plan increases your odds of approval.
A lender-ready business plan must include key financial statements such as:
- Income Statement (Profit & Loss)
- Cash Flow Forecast
- Balance Sheet
- Break-even Analysis
- Use of Funds Breakdown
These elements are especially critical when applying for SBA loans or commercial loans, where risk evaluation hinges on cash flow projections and your ability to service debt. Wise Business Plans ensures every document is tailored to your loan type and financial goals.
You should consider a professionally prepared plan if you're:
- Starting a business and applying for an SBA startup loan
- Expanding your operations with an SBA 7(a) or bank term loan
- Purchasing real estate or equipment with an SBA 504 loan
- Seeking working capital through a business line of credit
- Looking for funding through a community bank, national lender, or credit union
Whether you're a startup, franchisee, or established small business owner, a custom business plan demonstrates readiness and increases your credibility with lenders.
Unlike free templates or automated software, Wise delivers custom, SBA-compliant business plans crafted by MBA writers and financial experts. We align every plan with the expectations of both SBA-backed lenders and traditional banks. That includes industry-specific research, realistic financials, and clearly outlined funding strategies. Whether you're applying for an SBA Microloan, 7(a), 504, or a commercial bank loan, a Wise plan helps you stand out—and get approved.
Ready to Secure Your Funding?
Contact Wise Business Plans today to start crafting a bank-ready business plan that positions your business for success.
Note: While a well-prepared business plan significantly enhances your chances of securing a loan, approval is ultimately at the discretion of the lender.
Get in Touch
Need to get in touch with us? Either fill out the form with your inquiry or call us at 1-800-496-1056.
- 1-800-496-1056
- (613) 800-0227
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