Who this is for
- Owners of an existing business applying for a commercial loan or line of credit
- People buying a business or a commercial property who need a plan for the lender
- Owners who have been given a lender's checklist and are not sure how to answer it
What to bring
- What the financing is for and how much is being requested
- The lender's checklist or requirements, if you have them
- Your last two years of tax returns and financial statements, if the business is established
- Recent bank statements
- Any quotes, purchase agreements or leases connected to the request
- A rough description of the business, its customers and who runs it
What is included
A business plan for a lender usually needs these parts, and we prepare each with you:
- Business overview. What the business does, its history, its customers and who runs it.
- The request. How much, what it is for, and how it will be repaid.
- Use of funds. Where the money goes, with quotes or agreements where they exist.
- Existing financial information. Drawn from your returns, statements and books.
- Projections. Where the lender asks for them, a forecast built on stated assumptions and your actual records.
We do not prepare audited or reviewed financial statements as part of this service. We are not a lender or a mortgage broker.
How it works
- Call or request a callback. Tell us what the financing is for and what the lender has asked for.
- We meet and go through your records. We confirm what is needed, the fee and the timeline.
- We prepare the plan with you. You review each part. We revise after lender feedback as agreed.
Common questions
Can you work with an existing business rather than a start-up?
Yes. Most of the plans we prepare are for businesses that already operate and need financing to buy, expand or refinance.
Are cash flow projections included?
Yes, when the lender asks for them. We agree with you how far ahead to forecast and what to assume. We build the numbers from your real records. We explain what drives them, so you can answer the lender's questions.
Can you revise the plan after the lender gives feedback?
Yes. Lenders often come back with questions. We agree at the start how revisions are handled.
Is the loan approval guaranteed?
No. We make sure the plan is complete, clear and based on realistic assumptions. The credit decision is the lender's.
Can I speak to someone in Punjabi?
Yes. Tell us your preferred language when you call or request a callback.
This page describes our service in general terms and is not advice about your individual situation.