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Business Plans for Bank & SBA Loans

When it comes to bank and Small Business Administration (SBA) loans for startups and acquisitions, a business plan is the cornerstone of your funding eligibility.

Business Plans for Bank & SBA Loans
Bank & SBA Loan Business Plan Template
Strategize. Secure. Succeed.

Unlocking Business Potential with SBA-Backed Loans

Bank & SBA loans offer a powerful springboard for budding entrepreneurs and established businesses to launch and grow ventures. 

Starting a business journey is a monumental step, and the right financial backing can make all the difference. Securing a business loan, especially one guaranteed by the Small Business Administration (SBA), comes with its set of stringent standards. Central to these requirements is the necessity of a comprehensive business plan. At Masterplans, we recognize the significance of this document and the rigorous standards it must adhere to, ensuring your business is set on a path to success.

I’m out there trying to find real estate and sign leases and hire management teams. I don’t have time to write the business plan myself.

Masterplans presented me with an expert piece of work that displayed everything I'm trying to accomplish in the next five years.”

Travis Grappo, Restauranteur & Masterplans business plan client

Travis Grappo
Owner/Operator, Oak House

Why Business Owners Trust Masterplans

With 18,000+ business plans crafted across diverse industries, here's why savvy entrepreneurs consistently choose to partner with us when they seek bank funding.

Expert Business Plans

Experience & Expertise

For over two decades, Masterplans has had the privilege of turning the dreams of founders into reality by crafting business plans ready for both traditional bank lending and the SBA loan application process. 

Award-Winning Firm

Award-Winning Excellence

Our reputation as an award-winning firm is built on our unwavering commitment to quality and customer satisfaction. We take immense pride in the feedback from lenders who consider our business plans the best they've ever seen.

Proven Track Record

Proven Track Record

Our approach is grounded in enterprise-level research and analysis from pay-to-access platforms like IBISWorld, Esri, and Statista, ensuring your plan is a tool to obtain business financing and a practical roadmap to achieve your goals.

cutting through the red tape

Navigate the Intricacies of the Commercial Loan Process with Confidence

We turn complexity into clarity, saving you time and headaches.

The banking landscape, with its maze of requirements, can be overwhelming and intimidating, especially for those venturing into the SBA loan process for the first time.

With Masterplans by your side, you're not navigating this terrain alone. You benefit from two decades of experience to ensure that you are prepared for your loan interview. Our understanding of the nuances of underwriting eliminates potential headaches, saving you invaluable time, and providing you with a clear path to loan approval.

Download Sample Business Plans ›

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Key Sections a Bank & SBA Business Plan

Your business plan is structured so loan officers and underwriters can easily find what they need, while ensuring a cohesive, consistent, and comprehensive overview of your venture.

Executive Summary

Executive Summary

You never get a second chance to make a great first impression. An Executive Summary provides a concise yet compelling snapshot of your venture, ensuring lenders immediately grasp its potential and viability. Integral to this is clearly stating your startup costs and the specific reasons why. The Executive Summary should stand on its own, but more than that, it should leave the banker wanting to learn more.

Company Overview

Company Overview

This company description provides a comprehensive overview of your business, highlighting its unique business model, products and services, and competitive advantage. It underscores your business's unique value proposition, its position within the market, and, critically, details of the sources and uses of funds during the startup, expansion, or acquisition phase.

Market Analysis

Market Analysis

To secure a bank loan, your business plan must demonstrate deep understanding of your local market and offer a thorough industry analysis to gauge your projections within that context. Masterplans employs industry-leading market research tools, such as Statista, IBISWorld, and Esri's Business Analyst, to ensure that you grasp the broader industry trends as well as the dynamics of your specific target market.

Strategy & Implementation

Strategy & Implementation

The "Strategy & Implementation Summary" provides a detailed roadmap of pragmatic steps and tactics essential for reaching your business goals. Included is a synopsis of your marketing plan, meticulously crafted to convey how your business will attract your target customer.

Management Summary

Management Team

At the heart of a business's potential to service a loan is the capability of the business owner and managers. By spotlighting the hands-on professional experience and industry knowledge that prepares them to run and manage the business effectively, Masterplans ensures that a potential lender will have confidence in the leadership's ability to drive consistent performance.

Financial Projections

Financial Projections

Masterplans builds a custom five-year financial projection, which includes an income statement, cash flow statement, and balance sheets that are grounded in solid assumptions and drivers. This approach ensures bankers see a realistic and reliable revenue projection, ensuring key metrics like the Debt Service Coverage Ratio (DSCR) are met.

“It was obvious that everyone who worked on the business plan put in a lot of effort and took pride in what they did.

It read so fluidly. Every page led into the next, and it was easy for the bank to find the information they needed.”


Peter Schellinger
Owner/Operator, Diversified Land Management

Banks don't fund
Make SBA Lenders Compete for you

We Put You in the Driver’s Seat

Rather than being just another loan applicant, transform yourself into a sought-after client, making banks compete for your business.

A bank-ready business plan from Masterplans not only showcases your company's potential, but also outlines potential risks and offers strategies to address them, reassuring lenders of your proactive approach.

Our team of business plan writers provide small business owners with the leverage to attract multiple lenders, ensuring you get the best possible terms. With Masterplans, you're not just obtaining a loan; collaborating with us means delving into strategic planning that not only secures loan terms to set you up for success, but also ensures you're fully prepared to capitalize on it.

Our Latest Bank-Ready Business Plans

For over 21 years, we've been privileged to collaborate with clients spanning every industry. Below are just a few of the 18,000+ business plan projects we've worked on.


Team Member Spotlight

Christina Hersey

Team Lead

With over a decade of experience as a business plan writer, Christina helps clients understand and exceed the stringent requirements of banks and the SBA.

Christina's clients frequently commend her uncanny ability to "get into their head," a talent she seamlessly integrates into her role as Team Lead. She's fluent in English, Greek, and Spanish. Her dedication to excellence ensures that every business plan is not only compliant but also compelling, positioning entrepreneurs for success.

Meet The Team ›

Business Plans for SBA & Bank Loans FAQs

 We've compiled a list of frequently asked questions to provide clarity on our service and process. If you don't find the answer to your specific question here, please don't hesitate to contact us.

Talk With An Expert Today

Leverage over two decades of experience by scheduling a free, no-obligation, 30-minute consultation with one of our business plan experts.

Masterplans is the top reviewed, top rewarded business plan company

The Latest from the Masterplans Blog

Are you looking for quick tips and advice on business planning and entrepreneurship?

Our latest blog posts offer valuable insights that cover a range of essential topics – from the art of refining a business idea and how to write business plans for banks, to the qualifications and requirements of SBA lending.

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