A business plan written the way lenders and investors read them
For Start Up Loans, bank finance, investors, grant applications and expansions you are funding yourself. The written case and the numbers in one document, with every assumption traceable to a source.
When you need one
- A Start Up Loan. The plan, the cash-flow forecast and the personal survival budget, all from the same figures.
- A bank loan or overdraft for a new business. Affordability, security and the downside, in the order a credit team reads them.
- An investor or grant panel. Market size, competition, margins and return on capital, without the padding.
- Your own decision. An expansion you are paying for yourself still deserves numbers that tie out.
What's in the document
- Market, competitor and local price research, with sources
- A clear description of the business, the people and how it will operate
- Three-year profit and loss, cash flow and balance sheet that balance to the pound
- A twelve-month monthly cash-flow forecast, with quarters for years two and three
- Funding table and repayment schedule for every loan
- Break-even, margins, return on capital and sensitivity on the riskiest assumptions
- Risks with honest mitigations, and a full list of assumptions
- The Excel workbook behind it, unlocked
- For a Start Up Loan: the lender's own cash-flow template and personal survival budget, completed from the same figures
What it costs
Christmas price until 31 January 2027, then from £950.
Every quote is fixed in writing before I start, after a short brief. You pay nothing up front. Drafts come as PDFs; when the final version is ready I invoice, payable within 7 days, and send the final files and the Excel workbook once it's paid.
What takes it above the "from" price: More than one business or revenue stream to model separately, a forecast beyond three years, primary market research such as surveys or a footfall count, or an investor deck alongside the plan.
How it works
A free 10-minute call if you want one, or straight to the brief by email. Ten essential questions, a fixed quote within 24 hours of your answers, the first draft within five working days, then two rounds of changes.
No one can guarantee a funding decision, and I won't pretend to.
Three complete business plans
Full documents for made-up businesses in real Surrey and London towns, every page included. The format, depth and tone you would receive.
Skin clinic, Guildford
Treatment room start-up funded by a Start Up Loan. 9 pages · PDF 190 KB
Open the sample →
Coffee shop and roastery, Farnham
Start-up with café, retail and wholesale income. 13 pages · PDF 265 KB
Open the sample →
Dog daycare and grooming, Camberley
Licensed centre funded by bank loan and asset finance. 12 pages · PDF 230 KB
Open the sample →What the credit team checks first
I spent six years reading other people's forecasts for a living. These are the things that decide whether yours gets read past page two.
Can the business repay?
Debt service cover by year, and the month the cash is tightest.
Where the sales figure comes from
Customers a day times average spend, or units times price, not a percentage of a market.
Who you are
Relevant experience of the founder matters more to a lender than the size of the market.
What goes wrong and what you would do
A real downside case, not a risk table where everything is "medium".
Do the three statements agree?
If the balance sheet does not balance, the rest is not read.
About this service
How long is the plan?
Usually nine to fourteen pages plus the forecast. Lenders do not want more. The three samples below show the range.
Do you write it, or do I?
I write it, from your brief, your figures and a call. You check every assumption before the final version. It reads as your plan, in your voice, because it is built from what you told me.
Is it suitable for Start Up Loans?
Yes. The fee includes the Start Up Loans cash-flow and personal survival budget templates, completed from the same numbers as the plan, so the three documents agree with each other.
Can you make my plan look better than it is?
No, and you would not want me to. A lender who finds one optimistic number stops trusting the rest. I will tell you where the plan is weak and what would strengthen it.
What if I already have a draft?
Send it with the brief. If the structure is sound I will build on it and the quote will reflect that.
Do you offer a charity rate?
Yes. Registered charities (including CIOs) and community interest companies pay half my standard fee all year round, so £475 for this service. Same work and the same Excel model. Just give me your charity or company number when you ask for a quote.
More questions, including fees, confidentiality and timing, in the main FAQ.
Before you apply
Start Up Loan documents: the checklist and what each is for
Business plan, cash-flow forecast, personal survival budget and three months of bank statements. Each answers a different question, and they have to agree with each other.
Read the guide → 4 min readFeasibility study or business plan: which do you need first?
One is written for you before you decide. The other is written for a lender after you have. Knowing which you need saves money and, sometimes, a very expensive lease.
Read the guide → 5 min readWhat a business plan costs in the UK: a fair pricing guide
Published prices from free templates to specialist writers (unnamed), checked in October 2026, with what moves the price and what any plan should include whatever you pay.
Read the guide →