Business Plan Bureau

Real Plans. Real Numbers. Real Funding Outcomes.

What’s included in your SBA loan business plan package?

Each package includes a full lender-ready narrative, 3-year financial projections, market analysis, and all required documentation. You also receive three follow-up meetings to refine your plan.

Can you help with SBA 7(a) and SBA 504 loans?

Yes. We specialize in SBA-compliant business plans that meet the documentation standards of both SBA 7(a) and SBA 504 loan programs, including all financial projections and lender-facing narratives.

Is this service really different from AI templates and other writers?

Yes. We don’t use templates, AI-generated filler, or outsourced writers. Every plan begins to be built from scratch after a two hour strategy session, with real assumptions, structured logic, and lender-aligned formatting.

How much does a business plan cost?

Our standard business plan package is $4,500. Expedited options are $9,500. You can also book standalone services like financial projections ($2,750) or market research ($900). All sessions begin with a $150 paid strategy call.

Can I book just financial projections?

Yes. Our standalone financials package includes 3-year income statements, balance sheets, cash flow statements, sales forecasts, breakeven analysis, and key financial ratios. It’s ideal if you already have a written plan or need only the numbers for lenders.

How quickly can I get my plan?

Standard turnaround is 3 weeks. Expedited plans can be completed in as little as 5–7 days depending on your documentation readiness and business complexity.

Do you help clients outside Texas?

Yes. We serve clients nationwide. All services are delivered online via Zoom, email, and secure file sharing.

Are your financial projections realistic?

Yes. Every projection is built from actual cost benchmarks, market data, and real-world assumptions. If the business model isn’t viable, we discuss solutions before finalizing the plan — we don’t manipulate numbers just to “make it work.”

Can you help if I already have a draft business plan?

Yes. We review existing drafts and offer plan rewrites, projection updates, or compliance alignments. In many cases, we rebuild the plan to ensure it's ready for lender review.

Is Business Plan Bureau affiliated with the SBA?

No. We are not affiliated with the U.S. Small Business Administration. However, our plans are specifically structured to meet SBA documentation expectations and are frequently used in successful SBA loan applications.

What industries do you support?

We’ve worked with clients in trucking, retail, healthcare, hospitality, food services, construction, and more. Every plan is customized with sector-specific benchmarks, market data, and operational detail.

Do you help startups, acquisitions, or expansions?

Yes. We develop plans for new ventures, business acquisitions, expansion funding, working capital loans, and investor presentations. Each type of plan is tailored to the funding type and business stage.

How do I get started?

Click “Schedule Strategy Session” to book your two hour call. This session includes a full intake review, scope discussion, and documentation checklist. After that, we begin building your plan immediately.

What documents do I need before scheduling?

Basic business overview, initial financial data, market details, and any existing drafts. We'll discuss specifics in the strategy session.

Do lenders accept projections created externally?

Yes. Our lender-compliant financial projections are accepted by SBA and banks as they use real assumptions and standard formats.

How do you validate market size numbers?

We use sourced data from industry reports, government stats, and databases for TAM/SAM/SOM calculations, ensuring credibility for lender review.

How long does the SBA business plan review process take?

The business plan review process typically takes 3 weeks for standard plans, with expedited options available in 5-7 days. These timelines depend on the client's ability to promptly respond to emails and provide required documents within a reasonable timeframe.

Do you offer refunds for your services?

Business Plan Bureau does not offer refunds for services, including strategy sessions, business plans, financial projections, or market research, unless required by applicable law. All sales are final upon payment. We ensure all deliverables meet the standards outlined in our agreement, and we provide three follow-up meetings to refine your plan. Please review our terms of service for details.

What is an SBA loan and how does it work?

An SBA loan is a government-backed financing option for small businesses, provided through participating lenders like banks. The U.S. Small Business Administration (SBA) guarantees a portion of the loan, reducing risk for lenders and making it easier for businesses to qualify. It works by applying through an SBA-approved lender with required documentation, including a detailed business plan. At Business Plan Bureau, we create custom SBA-compliant business plans with lender-ready narratives and financial projections to strengthen your application and improve approval chances.

What are the benefits of an SBA loan for small businesses?

SBA loans offer benefits like lower down payments (as low as 10%), longer repayment terms (up to 25 years for real estate), competitive interest rates, and flexible use of funds for startups, expansions, or acquisitions. They’re ideal for businesses that might not qualify for traditional bank loans due to credit or collateral issues. Our SBA business plans help maximize these benefits by demonstrating repayment ability, market feasibility, and SBA eligibility through realistic projections and sourced market analysis.

What types of SBA loans are available (e.g., 7(a), 504, microloans)?

Common SBA loan types include the 7(a) program (up to $5.5 million for general business needs), 504 loans (for fixed assets like real estate or equipment), and microloans (up to $75,000 for smaller needs through nonprofit intermediaries). Each has specific eligibility and documentation requirements. We specialize in business plans for SBA 7(a) and 504 loans, ensuring compliance with program guidelines, including detailed financials and use-of-funds sections to speed up your application.

Do I need a business plan for an SBA loan application?

Yes, a comprehensive business plan is required for most SBA loan applications to demonstrate your business’s viability, repayment strategy, and market potential. Lenders and the SBA use it to assess risk. At Business Plan Bureau, we build custom SBA business plans from scratch, including 3-year financial projections, market research, and lender-aligned narratives, to meet these requirements and boost your approval odds.

What are the SBA business plan requirements?

SBA business plan requirements typically include an executive summary, company description, market analysis (with TAM/SAM/SOM), competitive landscape, operations plan, management team bios, financial projections (income statements, cash flow, balance sheets), and risk mitigation. Plans must show realistic assumptions and debt service coverage. Our full SBA loan business plan package covers all these elements, with sourced data and three follow-up refinement meetings for $4,500 standard or $9,250 expedited.

How to write a business plan for an SBA 7(a) loan?

To write a business plan for an SBA 7(a) loan, start with a strategy session to outline goals, then develop sections like use of funds, market analysis, operations, and 3-year financial projections with DSCR calculations. Ensure compliance with SBA guidelines for eligibility and repayment. Instead of DIY, let Business Plan Bureau handle it—we begin to create custom plans built on real benchmarks after a 2 hour strategy session, avoiding templates or AI for lender-ready results.

What financial projections are required in an SBA business plan?

SBA business plans require 3-year financial projections, including income statements, balance sheets, cash flow statements, break-even analysis, sales forecasts, and key ratios like DSCR (debt service coverage ratio) to prove repayment ability. Projections must be based on documented assumptions. Our standalone financial projections package ($2,750) delivers these in a lender-compliant format, or include them in a full SBA plan for comprehensive support.

How do I qualify for an SBA loan?

To qualify for an SBA loan, your business must meet SBA size standards (e.g., revenue or employee limits), be for-profit and U.S.-based, have good credit, show repayment ability, and provide collateral if needed. Startups and expansions are eligible. A strong business plan is key to proving qualifications. We help by crafting SBA-compliant plans that highlight your eligibility, with realistic projections and market data to address lender concerns.

What documentation is needed for an SBA loan application?

SBA loan applications require documentation like personal and business tax returns (last 3 years), financial statements, resumes, legal docs (e.g., articles of incorporation), collateral details, and a detailed business plan with projections. Additional items may include lease agreements or franchise docs.

What is the SBA loan approval process and timeline?

The SBA loan approval process involves submitting your application and business plan to an SBA-approved lender, who reviews for eligibility and creditworthiness, then forwards to the SBA for guarantee approval. Timelines vary: 2-3 months for standard 7(a) loans, longer for 504. A lender-ready plan can accelerate this. Our business plans are designed to streamline underwriting, with standard turnaround in 3 weeks or expedited in 5-7 days, depending on your prompt responses and document provision.

What's the difference between an SBA 7(a) and 504 loan?

The SBA 7(a) loan is versatile for working capital, equipment, or acquisitions (up to $5.5 million, terms up to 10 years), while the 504 loan focuses on fixed assets like real estate (up to $5 million, terms up to 25 years) and involves a Certified Development Company (CDC). Both require strong business plans. We create tailored plans for either, ensuring compliance with program-specific requirements like job creation for 504 or general eligibility for 7(a).

Can I use an SBA business plan for other funding like investors or banks?

Yes, an SBA business plan can be adapted for investor pitches, conventional bank loans, or lines of credit, as it includes universal elements like financial projections, market analysis, and risk mitigation. Our plans are investor-ready and lender-aligned, making them versatile for multiple funding sources—start with our full package to cover SBA, commercial, or equity needs.

Why hire a professional business plan writer for SBA loans instead of DIY?

Hiring a professional business plan writer ensures SBA compliance, realistic projections, and sourced data that DIY efforts often lack, reducing rejection risks and saving time. Templates or AI can’t match custom logic or lender expectations. At Business Plan Bureau, we build plans from scratch after a strategy session, using sector benchmarks—no outsourced writers or fillers—for stronger SBA loan applications.

How much does an SBA loan cost (fees, interest rates)?

SBA loan costs include guarantee fees (0.5-3.75% of the guaranteed portion), origination fees (up to 3%), and interest rates (prime + 2.25-4.75% for 7(a)). Total costs depend on loan size and lender. While we don’t handle loans, our SBA business plans ($4,500 standard) help justify costs by demonstrating strong repayment, potentially leading to better terms—focus on a solid plan to minimize overall borrowing expenses.

Do you guarantee SBA loan approval with your business plans?

No, we do not guarantee SBA loan approval, as final decisions depend on factors like your credit, collateral, and lender criteria beyond our control. However, our plans are structured to meet SBA documentation expectations, with realistic projections and market research that have supported successful applications. We focus on quality and compliance to maximize your chances.