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Business Plans and Cash Flow Forecasts
Lender-ready business plans and financial forecasts, prepared by accountants, for a fixed fee
Whether you need a loan, an investor or a clear plan for growth, we prepare a professional business plan with realistic financial forecasts that lenders and investors trust, and explain every number to you.
- Lender and investor ready
- Realistic financial forecasts
- Prepared by accountants
- Fixed fee, agreed first
Get your business plan fixed fee
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How much does a business plan cost?
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In short
What is a business plan?
A business plan is a written document that explains what a business does, who its customers are, how it will make money and what funding it needs. Lenders and investors focus on the financial forecasts, usually a profit and loss forecast, a cash flow forecast and sometimes a balance sheet, covering 12 months to 3 years. A strong business plan shows realistic assumptions and how any loan will be repaid.
- Forecast period12 months to 3 years
- Typical turnaround2 to 3 weeks
- Used forLoans, investors and planning
- Our feeFrom £249 + VAT
What goes into a business plan
A professional business plan covers both the story and the numbers.
The business
- Executive summary
- Products or services
- Your team and experience
The market
- Target customers
- Competitors and your advantage
- Marketing and sales plan
The numbers
- Profit and loss forecast
- Cash flow forecast
- Funding needed and how it's repaid
Who needs a business plan?
A business plan is essential whenever someone else is putting money into your business.
- Applying for a bank loan or overdraft
- Applying for a Start Up Loan from the British Business Bank
- Raising money from investors
- Applying for a grant
- Buying a business or franchise
- Planning growth, such as hiring or new premises
Start Up Loans offer up to £25,000 per person at a fixed interest rate, and applicants need a business plan and cash flow forecast. See startuploans.co.uk.
Financial forecasts in your business plan
The forecasts are what lenders read most closely. We build them from realistic, explained assumptions.
| Forecast | What it shows |
|---|---|
| Profit and loss forecast | Expected sales, costs and profit month by month |
| Cash flow forecast | When cash comes in and goes out, and your lowest balance |
| Balance sheet forecast | Assets, liabilities and funding over time |
| Break-even analysis | The sales needed to cover all your costs |
| Scenarios | What happens if sales are lower or costs higher |
How we prepare your business plan
Four simple steps, all online.
Get your fixed fee
Tell us what the plan is for and we confirm your price in writing.
Planning call
We talk through your business, market, costs and goals.
We prepare your business plan
We write your plan and build the forecasts, then review them with you.
Ready to submit
You get a polished plan and editable forecasts for your lender or investor.
Business plan prices
Fixed fees, agreed in writing before we start. Prices exclude VAT.
Cash flow forecast
A 12-month cash flow forecast with your assumptions explained.
Check my exact priceBusiness plan
A written business plan with 12-month profit and cash flow forecasts and break-even.
Check my exact priceInvestor-ready plan
A full plan with 3-year forecasts, balance sheet, funding requirement and scenarios.
Check my exact priceAlready a client? Ongoing forecasting is part of our management accounts.
Using an accountant vs writing your own business plan
Lenders see many business plans. Accountant-prepared forecasts are more likely to be taken seriously.
| Doing it yourself | With Fixed Fee Accountant | |
|---|---|---|
| Forecasts | Optimistic or inconsistent numbers | Realistic, linked forecasts |
| Assumptions | Often missing | Every assumption explained |
| Lender format | Unclear what lenders want | Prepared in the format lenders expect |
| Questions | You defend the numbers alone | We help you understand every figure |
| Cost | Your time | From £249 + VAT, fixed |
Business plans for every type of business
Choose your situation to see how we help.
Start-ups
Start Up Loan and bank-ready plans for new businesses.
Accountant for start-ups →Small businesses
Plans for new premises, staff or expansion.
Accountant for small businesses →Limited companies
Investor and lender forecasts for growing companies.
Accountant for limited companies →Restaurants and cafés
Plans and forecasts for hospitality businesses.
Accountant for restaurants →Construction firms
Forecasts for equipment finance and larger contracts.
Accountant for construction firms →Landlords
Property finance and portfolio plans.
Accountant for landlords →Starting a new business?
We prepare your business plan, register your company and set up your accounts and tax, so you start trading on the right foot.
Fixed fee business plans
With fixed fee business plans, you know the cost before we start, including the planning call, forecasts and one round of revisions.
- Price agreed in writing first
- No hourly rates
- No charge for questions
Online business plan writers
As online business plan writers, we work with you by phone, email and video, sharing drafts and forecasts securely, wherever you are in the UK.
- Secure online document upload
- Evenings and Saturdays
- Support anywhere in the UK
Business plan FAQs
How much does a business plan cost?
A 12-month cash flow forecast is £249 plus VAT, a business plan with 12-month forecasts is £495 and an investor-ready plan with 3-year forecasts is £795, both plus VAT.
What should a business plan include?
An executive summary, your products or services, market and competitors, marketing plan, team, and financial forecasts including profit and loss, cash flow and funding needed.
How long does it take to write a business plan?
Most business plans take 2 to 3 weeks from our planning call, depending on how quickly we receive your information.
Do I need a business plan for a bank loan?
Most banks ask for a business plan and cash flow forecast, especially for new businesses or larger loans.
Do I need a business plan for a Start Up Loan?
Yes. Start Up Loan applications require a business plan and a cash flow forecast. We prepare both in the format they ask for.
How far ahead should my forecasts go?
Lenders usually want at least 12 months. Investors often expect 3 years, with the first year shown monthly.
Can you update my forecasts later?
Yes. You receive editable forecasts, and we can update them for you as part of our management accounts service.
Will you guarantee my loan is approved?
No one can guarantee approval, but a clear plan with realistic forecasts gives you the best chance and helps you answer the lender's questions.
Can I write the plan and you do the numbers?
Yes. Our cash flow forecast service is ideal if you've written the plan and want accountant-prepared numbers.
Is my information kept confidential?
Yes. Everything you share is kept strictly confidential under our terms and privacy policy.
Get a business plan lenders trust
Tell us what you need and we'll confirm your fixed fee, usually the same working day.