BUSINESS PLAN FOR SBA LOAN
A business plan built specifically for SBA loan underwriting — not a generic template. Every section is structured to answer the questions SBA lenders actually ask.
Built to SBA underwriting standards. Delivered same day.
Secure checkout · Delivered same day
A business plan written for investors is fundamentally different from one written for SBA lenders. SBA underwriters are not looking for vision — they are looking for evidence that your cash flow can service the debt. That means a precise Use of Funds statement, a DSCR of at least 1.15x, and financial projections that are conservative, consistent, and defensible. Our plans are built to pass that scrutiny.
SBA-specific Executive Summary
Detailed Use of Funds (required by all SBA lenders)
5-Year Income Statement, Balance Sheet & Cash Flow
DSCR calculation (minimum 1.15x)
Market analysis with TAM/SAM/SOM breakdown
Management team and ownership structure
Collateral and equity injection documentation guidance
SBA 7(a) and 504 compliance review
Debt Service Coverage Ratio (DSCR) is the ratio of your projected net operating income to your annual debt payments. SBA lenders require a minimum of 1.15x — meaning for every $1 of debt payment, you need at least $1.15 of income. We calculate this precisely in every plan.
Yes. Our plans are structured to meet the documentation requirements of SBA Preferred Lenders (PLP), which process the majority of SBA 7(a) loans.
You will complete a short intake questionnaire covering your business type, loan amount, use of funds, and basic revenue assumptions. We handle all financial modeling.