Business plan for loan approval
A business plan written for a lender: repayment capacity, cash flow and security set out the way a bank reads them.
GradaxEuropean companyOrder outright
Founded 2014·Built and operated in Europe·1 to 4 weeks
About this service
Lenders read business plans differently from investors. They want to know whether you can repay, from what cash and when, and what happens if things go worse than planned. We write the plan around those questions: a monthly cash flow forecast, a clear use of funds, repayment coverage and the risks with their mitigations. Accounting, tax and financial advice are referred to licensed professionals.
Lenders ask different questions from investors
An investor reads a plan looking for upside: how big could this become? A lender reads it looking for downside: will this loan be repaid, and what happens if things go wrong? A plan written to excite investors, with ambitious growth and little about cash, often worries a credit officer more than it reassures them.
We write loan plans around the lender's questions. What exactly will the money be spent on, with quotes attached? When does cash come in and go out each month, with repayments included? How much headroom is there between cash generated and repayments due? What security or personal guarantees are offered? These go up front, not on page twenty.
Show it still works on a bad year
Every forecast is optimistic in some way. Credit officers know this and mentally discount the numbers. A plan that shows only one scenario invites them to imagine the worst. A plan that shows its own downside case, where sales come in lower or costs higher, and still demonstrates repayment, answers the question before it is asked.
We build that downside case into the cash flow model and explain what you would do if it happened, such as delaying a hire, cutting a cost line or drawing on savings. We are not financial advisers and cannot predict the lender's decision, which also depends on your credit history and security. Historical accounts and tax figures should come from your accountant.
What you get
Everything below is in the price. Nothing here is an upgrade.
- Loan business plan
- Cash flow forecast and repayment schedule
- Use of funds table
- Lender checklist cross-reference
What changes
- Use of funds set out line by line with quotes or estimates attached
- Monthly cash flow forecast showing loan repayments covered
- A downside case showing the business can still repay if sales come in lower
- Plan structured to the lender's own template or checklist where one exists
How it runs
Check
Lender's requirements and your figures reviewed first.
Forecast
Monthly cash flow built with repayments included.
Stress
A lower-sales case tested to show repayment still holds.
Write
Plan written in the order a credit officer reads it.
Compare the sizes
The standard price for each size. Extras are priced beside it, not hidden behind a call.
| Included | Small loan plan€2901 week | Bank loan plan€5002 to 3 weeks | Loan plan and lender questions€1,0503 to 4 weeks |
|---|---|---|---|
| Concise plan for the lender | Included | Included | Included |
| Twelve-month cash flow | Included | Included | Included |
| Use of funds table | Included | Included | Included |
| One round of revisions | Included | Included | Included |
| Three-year projections | Not included | Included | Included |
| Downside scenario | Not included | Included | Included |
| Lender template or checklist followed | Not included | Included | Included |
| Market research section with sources | Not included | Not included | Included |
| Prepared answers to likely credit questions | Not included | Not included | Included |
| One update after lender feedback | Not included | Not included | Included |
| Order | Select | Select | Select |
Add what you need
Choose the size
Add what you need
Your total€500
ContinueThe standard price, plus whatever you add. Confirmed in writing before anything starts; nothing is charged until you accept it.
Questions
Will this get our loan approved?
We cannot promise that. The lender decides based on your credit history, security and figures. A clear plan makes it easier for them to say yes if the numbers support it.
Do you prepare accounts or tax figures?
No. Historical accounts and tax matters should come from your accountant. We build forecasts from them.
Can you use our bank's template?
Yes, and we recommend it. Many lenders have a preferred format, and following it saves the credit officer time.
Related searches
Related work
One-timeBusiness plan writingA clear, evidence-based business plan with market analysis and financial projections built from your own assumptions.from €290one-time
One-timeFinancial analyticsYour accounting and sales data turned into clear reports on margin, cash and trends.from €290one-time
One-timeMarket researchYour market sized, your competitors mapped and your customers asked, so decisions rest on evidence.from €290one-time
Order it
Standardised enough to order on its own. The price is confirmed in writing before anything starts.