Business Services
Business Plan for Loans
Professionally prepared business plans and financial projections that meet bank and BDC requirements and improve your approval odds.
A plan that opens doors.
Banks and the BDC don't just lend on ideas — they lend on numbers. Our business plans combine a compelling narrative with rigorous financial projections that answer every question a lender will ask, giving your application the credibility it needs to succeed.
What's included
Executive Summary & Market Analysis
A concise overview of your business, the opportunity, your target market, and your competitive advantage — written to capture a lender's attention in the first two pages.
3–5 Year Financial Projections
Detailed income statements, balance sheets, and cash flow projections built on realistic assumptions and benchmarked against industry data.
Cash Flow Forecasting
Month-by-month cash flow projections for the first two years, showing lenders exactly when and how you will service your debt.
Bank & BDC Loan Package Preparation
We format your plan to meet the specific requirements of major Canadian banks and the Business Development Bank of Canada (BDC), including sensitivity analyses and break-even calculations.
Ongoing Revisions & Lender Q&A Support
If a lender requests changes or has follow-up questions, we revise the plan and respond to their queries — at no additional charge.
Real-world examples
Restaurant expansion
A Scarborough restaurant owner needed $400,000 to open a second location. We prepared a full business plan with five-year projections and a detailed market analysis. The loan was approved by TD Bank within six weeks.
BDC startup loan
A first-time entrepreneur applying for a BDC Young Entrepreneur Loan needed a plan that demonstrated viability without years of operating history. We built the projections from industry benchmarks and comparable business data — the loan was approved.
Equipment financing
A manufacturing client needed $250,000 in equipment financing. The lender required a cash flow forecast showing debt service coverage. Our model demonstrated a 1.4x coverage ratio, satisfying the bank's minimum threshold.
Franchise acquisition
A client purchasing a franchise needed a business plan that incorporated the franchisor's royalty structure and territory data. We worked directly with the franchisor's disclosure documents to build projections the bank accepted without revision.
Frequently asked questions
Ready to secure your financing?
Book a free consultation and we'll assess your loan readiness and outline exactly what your lender will need.
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