A business plan template with projections lenders expect
This business plan template is built around the questions lenders and investors actually ask. A useful plan isn’t long. Instead, it’s clear, and its numbers hold together. So the kit pairs a fill-in plan with a projections workbook that turns your assumptions into startup costs, monthly results, and break-even timing.
Thank you for reading this post, don’t forget to subscribe!Who it’s for
New business owners applying for a loan, raising money, or testing whether an idea works on paper.
What the business plan template helps you do
- Total your startup costs and see any funding shortfall.
- Project revenue, profit, and cash month by month for year one.
- Find your break-even month and lowest cash point.
- Show three years of results and debt service coverage.
What’s included
- Business Plan Template (Word): 11 sections plus an appendix checklist.
- Startup Financial Projections (Excel): startup costs and funding, assumptions, year one by month, and a three-year summary.
How it works
First, list your startup costs and funding sources. Next, set your revenue, margin, and expense assumptions. The workbook then builds year one by month and a three-year summary. Finally, copy the key numbers into the plan, and attach the workbook as your financial appendix.
Why a clear plan matters
Lenders decide quickly. Therefore, a plan with consistent numbers moves faster than a long one with gaps. The SBA explains what to include in its guide to writing your business plan. Applying for financing? Add our Bank-Ready Financing Kit.
Want LNS to review your plan before it goes to the bank? Work with us.
Format: Excel and Word. Instant download. Requires Excel 2016 or newer (or Microsoft 365) and Word. Projections are estimates, not guarantees.