Instead of hiring a consultant

A business plan writer that does the arithmetic too.

Most writers hand you prose and ask you for the numbers. The numbers are the hard part, and they are what gets checked. Here the model comes first and the writing is built around it — and no figure reaches the page unless the model produced it.

Write my plan — preview free

$299 one time. No subscription. See your market analysis free, before you pay.

You only pay once you've read a real section of your own plan

505,888

SBA 7(a) and 504 approvals indexed, through FY2025

3,144

U.S. counties with establishment data (CBP 2023)

1,192

industry codes with real SBA lending records

1.15×

the coverage ratio your plan is tested against before you pay

Why this one lands differently

Every generator writes text. Almost none of them bring data.

The competition actually in your county

Not “the restaurant industry is competitive”. The exact number of establishments on your NAICS code in your county, from County Business Patterns — a figure your lender can look up and check.

Travis County, Texas has 1,114 establishments in NAICS 722511 (Full-Service Restaurants). That is 8.17 per 10,000 residents against 6.64 statewide — a more crowded market than the state average. The average establishment in this industry in the county employs 28.4 people at an average annual wage of $32,575.

The lenders who actually fund your industry

The SBA publishes every approved 7(a) and 504 loan: the lender, the industry code, the state, the amount. We indexed all of it. Your plan names the banks that wrote loans like yours last year — and tells you where your request sits in the real distribution of what got approved.

In fiscal year 2025, 101 lenders approved 298 SBA 7(a) loans in the full-service restaurants industry in Texas under NAICS 722511. The median approval was $455,500, with half of all approvals between $150,000 and $999,175, on a median term of 120 months at a median initial rate of 10%.

The Huntington National BankNortheast BankNewtek Bank, National AssociationReadycap Lending, LLCPCB Bank

Nobody else does this. It costs us nothing — the data is public. It changes the conversation you walk into.

The one ratio your banker checks first

Debt service coverage. Your cash flow divided by your loan payments. Most SBA lenders decline below 1.15×. We compute it, print it on the first page, and — this is the part that matters — tell you before you buy if your plan doesn't clear it, and which lever to move.

Clears the floor

1.42×

Ship it.

Short by $18,400

0.94×

You hear it from us, not from your banker.

What lands in your inbox

Four files. Nine sections. One model that recalculates.

plan.pdf

The complete plan, laid out

This is what you hand over

plan.docx

The same plan, editable

Your accountant will want to touch it

financials.xlsx

The model, with live formulas

Your lender wants the model, not a picture of one

one-pager.pdf

One-page executive summary

Asked for at every first meeting

The nine sections, in the order a loan package expects them

01Executive Summary
02Company Description
03Market Analysis — the real local data goes here
04Organization and Management
05Products and Services
06Marketing and Sales Strategy
07Funding Request — amount, use of funds, repayment
08Financial Projections — P&L, monthly cash flow, balance sheet, break-even, DSCR
09Appendix — what to attach, and every data source named

Three steps. Ten minutes.

Tell us about the business

Five short screens. Industry, ZIP code, what you're asking for, how you make money, and who you are. About four minutes.

Read your market analysis, free

We pull your county's real establishment counts and the SBA lenders active in your industry, run the financial model, and show you the executive summary and market analysis. No card, no paywall.

Pay only if it's good

$299 unlocks the full nine-section plan and all four files. If the model says your DSCR doesn't clear 1.15×, we tell you that before checkout — not after.

Why the order matters

A consultant charges $500 to $3,000 and takes two weeks. Most of that time is spent going back and forth about numbers you supply and they format.

We inverted it. The financial engine runs first, from your inputs and from published industry ranges. Then the writing happens around figures that already exist.

No number reaches the page unless the model made it

This is enforced, not promised. Every draft is scanned: any dollar amount, percentage or ratio that does not appear in the computed figures is rejected and the section is rewritten. That closes the failure mode everyone worries about — a plausible-looking average that nobody actually calculated.

What a writer still does better

A human who knows your industry will ask better questions than a form. If your business is unusual, complicated, or being sold rather than started, a consultant earns their fee. For the common cases — a restaurant, a shop, a trade, a clinic, a franchise — the arithmetic is the work, and the arithmetic is what we do.

Pricing

One payment. No subscription.

A consultant charges $500 to $3,000 for an SBA-ready plan and takes two weeks. An immigration consultant charges $2,000 to $5,000 for the E-2 version.

Everything included

Complete loan-ready plan

$299one time

All nine sections, written around your real numbers
Census establishment counts for your county
The SBA lenders active in your industry and state, named
Three-year model: P&L, monthly cash flow, balance sheet, break-even
DSCR computed and printed, with a warning if it falls short
PDF, Word, one-pager, and a live Excel model with formulas

Start — see your preview free

You see your market analysis before you pay a cent. Refund policy.

+ $99 revision pack

Three regenerations within 30 days. Your banker asks for a change — you make it.

+ $199 E-2 / EB-5 version

The extra sections a visa filing needs: job creation, source of funds, five-year staffing.

Questions people actually ask

Is this an SBA-approved plan?

No — and be careful with anyone who says otherwise. The SBA is a federal agency; it does not approve or endorse business plan providers. What we do is format the plan the way SBA loan applications expect, in the section order underwriters read, with the ratios they check. Whether a loan is approved is your lender's decision, and nothing here promises an outcome.

Where does the market data actually come from?

Census County Business Patterns for establishment counts and payroll by industry and county. Census Population Estimates and Small Area Income and Poverty Estimates for population and median household income. SBA FOIA data — every approved 7(a) and 504 loan — for lender activity, approval amounts, terms and rates. Bureau of Labor Statistics QCEW for local wages. Every figure in your plan names its source, so your lender can check it.

Does an AI make up the financial projections?

No. That is the whole design. A deterministic engine written in TypeScript does every calculation — profit and loss, monthly cash flow, balance sheet, amortisation, taxes, break-even, DSCR. The language model only proposes operating assumptions such as seasonality, and every assumption it proposes is clamped to published industry ranges before the engine sees it. Then the written sections are checked against the computed figures: any number that does not appear in the model is rejected and the section is rewritten.

What if my plan doesn't clear the 1.15× coverage ratio?

You will see it before you pay, along with the size of the gap and which lever closes it — more revenue, lower operating cost, a bigger equity injection so you borrow less, or a longer term. We would rather lose the sale than sell you a plan that gets declined.

Is the Excel model really live, or just numbers pasted into a grid?

Live. Every cell below the assumptions sheet is a formula. Change the average ticket or the interest rate and the profit and loss, the cash flow, the balance sheet and the DSCR all recalculate. There is a balance check row that must read zero in all 36 months — including after you edit it.

How long does it take?

About four minutes to fill in the form, a minute or two to generate. You get the files immediately after checkout.

Can I use it for an E-2 or EB-5 visa filing?

The base plan covers the business case. The E-2 / EB-5 add-on includes the extra sections those filings require — job creation projections, source of funds narrative, and a five-year staffing plan. It is not legal advice and does not replace an immigration attorney.

How is this different from asking a chatbot to write my plan?

A chatbot writes numbers. It will produce a plan where the revenue in the summary does not match the projection, where the balance sheet does not balance, and where the market section is a paraphrase of a Wikipedia article. Ours computes the model in code, checks the balance sheet ties to the cent, and pulls the market figures from Census and SBA records with the citation attached.

Can I edit what you produce?

Yes. You get the Word file and the Excel model, both editable. The Excel model is live — change an assumption and everything recalculates, including the coverage ratio.

The words are the easy part.

Make sure it balances, covers its debt, and cites numbers they can check.

Start my plan — free preview

$299 one time, only after you've seen your own market analysis.