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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.

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.

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, ratios, DSCR, and the downside scenarios. 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.

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. The same applies to the SBA's 10% minimum equity injection, which we also check. We would rather lose the sale than sell you a plan that gets declined.

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.

About four minutes to fill in the form. Generating the twelve sections takes eight to ten minutes — you can close the tab and come back, nothing is lost. The files are on your plan page as soon as it finishes.

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.