Fixed prices from $750 · 1,000+ plans written · Our clients have raised $500M+
Written by Muhammad Tayyab Shabbir · Last updated 30 October 2026
Profit and loss, cash flow and balance sheet, linked so that one changed assumption, a price, a hire, payment terms, a loan rate, moves all three. Nothing is typed into a projection cell: every line traces to a named driver on one assumptions tab.
Who writes it. Muhammad Tayyab Shabbir: founder of Avvale and Business Plan Firm; MSci from University College London; published textbook author; 2026 finalist, Global Innovator Awards, UK SME Global Expansion; consulting since 2019. Business Plan Firm is the US practice of Avvale, a London consultancy: 1,000+ plans written, 500+ founders across 30+ countries, and our clients have raised $500M+. See our results.
Published result. $1.2M, SBA loan approved, self-storage operator: plan and financial model built to 7(a) underwriting expectations (shown on our home page). Ask for anonymized samples on your call.
$750, $1,250 or $1,950, fixed and agreed on the call before anything is built. Complexity decides which, not length: one product and one location is Essential; scenarios and debt service coverage is Standard; multiple locations or products, a debt schedule or a cap table is Premium. Every tier we sell is listed in one place: see every price we charge.
Every package is a fixed price agreed on your call. Not sure which fits? We will tell you straight. Bundled with a business plan or pitch deck, it is built once and used in both.
Coverage of all your business debt, inside a set window, with each assumption justified. SOP 50 10 8.1 [1], the SBA's rulebook for 7(a) and 504 loans, does not use the words financial model and contains no five-year projection requirement; that horizon is our deliverable and SBA's general guidance [5], which asks for "a prospective financial outlook for the next five years".
What the Standard 7(a) floor of 1.15 adds over a projection that only just covers its debt service, on a $600,000 ten-year fully amortizing loan at an assumed 10.0 percent (an arithmetic input, not a rate quote), with no other business debt and no adjustments to cash flow:
| Monthly payment | $7,929.04 |
| Annual debt service, 12 x $7,929.04 | $95,148.48 |
| EBITDA that only just covers it (coverage 1.00) | $95,148.48 |
| EBITDA at the Standard 7(a) floor, $95,148.48 x 1.15 | $109,420.75 |
| Extra EBITDA a year, within 2 years of funding | $14,272.27 |
For 7(a) loans submitted non-delegated through SBA's Loan Guaranty Processing Center (LGPC), SBA's July 2026 7(a) Loan Submission Checklist [2] asks for "Detailed Projections with supporting assumptions" from start-ups, new businesses, changes of ownership and other projection-based applications (not Small Loans); it names no ratio and cites "see SOP 50 10 8". The floor for each loan type is on SBA debt service coverage requirements.
| Loan, SOP 50 10 8.1 | Projection window | What the analysis has to cover |
|---|---|---|
| Standard 7(a), greater than $350,000 (Section B, Ch. 1) | 2 years from funding or the end of construction | 1.15 on all business debt and "1:1 on a global basis"; a pro forma balance sheet; current ratio and debt to tangible net worth; working capital "at a minimum over the next 12 months" |
| 7(a) Small, $350,000 or less, not a change of ownership (Section B, Ch. 2) | 12 months | "12-month projections, including supporting assumptions" reaching 1.10:1 "within one year of loan funding" |
| 504 (Section C, Ch. 1) | History first; if it falls short, at least 2 years | If repayment starts only in Year 2, liquidity for the Year 1 shortfall; for a new business, monthly cash flow for 12 months "or for 3 months beyond the breakeven point (whichever is longer)" |
| Buying a business, 7(a) (Appendix 15) | History: the last fiscal year-end or a two-year average (the exception: 2 years) | Justified add-backs; the lender evaluates your projections but "may not rely on them to meet the DSC requirement", except for an operating, owner-occupied Special Purpose Property whose purchase is integral to buying and running the business and whose appraised value fully collateralizes the loan |
On a Standard 7(a) loan, projected coverage "may not include anticipated cash flow from rental income from the Project Property" (that rent may go in the global analysis), and the lender must provide the assumptions behind it, "including as applicable":
Our assumptions tab carries each one with its driver and source. A 504 example: a new business breaking even in month 14 owes monthly cash flow through month 17 (14 + 3 is longer than 12), five months past our standard monthly year one, so we extend it (SBA 504 loan requirements). Buying a business? See our acquisition business plan.
As of 30 October 2026. SBA says SOP 50 10 8.1 applies to applications it received on or after 1 October 2026, and SOP 50 10 8 to those submitted through 30 September 2026 [3]; ask your lender which edition governs yours. 13 CFR 120.150 [4] asks that loans be "so sound as to reasonably assure repayment" and states no ratio. Paying someone to prepare SBA projections? See what SOP 50 10 8.1 says about Agent fees on SBA Business Plan Writing Services.
Same three statements, different questions: how much you need, what it buys, and what happens if growth is slower. Standard adds scenarios with funding and use of funds; Premium adds a cap table. How you may share projections with investors is a question for your securities counsel; for the deck, see Pitch Deck Services.
Less than you might expect, but it has to be real. A number that does not exist yet is written down as a labeled assumption, not guessed.
Accounts or bookkeeping if trading, and a current debt schedule, including any shareholder debt. Pre-revenue, we start from drivers.
What you charge, what a customer costs to serve, how often they buy.
Rent, payroll, roles you will add and when, equipment or fit-out.
How much, debt or equity, and any rate, term or repayment structure.
If you cannot yet compare your numbers with your industry, start there: SOP 50 10 8.1 lists a comparison to current industry trends among the assumptions behind Standard 7(a) projections. That is what market research is for.
First version in 3 to 7 days on every tier; revisions follow. Work begins when the agreed deposit or full fee is received, and timelines assume you supply the information we request.
30 minutes with a senior consultant. We scope the model, agree who will read it, and quote a fixed price.
Your drivers go on the assumptions tab, we agree them, then the three linked statements are built on top.
Checked in-house, statements tied and nothing hard-coded, then walked through with you rather than emailed cold.
One round on Essential, unlimited within the agreed scope on Standard and Premium, when your lender or investor comes back with changes. A materially different business or loan is new work, quoted first.
One Excel workbook, yours to keep and edit.
| Tab | What is on it |
|---|---|
| Assumptions | Pricing, volumes, growth, margins, payroll, payment and funding terms |
| Profit & loss | Monthly in year one, annual to year five, with margins |
| Cash flow | Operating, investing, financing and closing cash; monthly to 3 months past break-even when a 504 new business needs it |
| Balance sheet | Assets, liabilities and equity, tied to the other statements |
| Scenarios & DSCR | Base, upside, downside, and coverage on all business debt, including the loan requested |
| Break-even | The volume and month the business covers its costs |
| Format | Editable .xlsx, formulas intact, no hard-coded projections |
Scenarios and DSCR come in from Standard; a debt schedule or cap table is Premium.
The weaknesses we build against; in our experience they are what revision rounds get spent fixing:
All three can produce a sound model. The difference is who has to defend it.
When your lender asked for a business plan. A model alone is a spreadsheet, not an application. If a written plan is what you were asked for, start at SBA Business Plan Writing Services.
When the request was a feasibility study. That asks whether the project should happen at all, and is a larger deliverable at its own price: what SBA lenders expect it to cover, then Feasibility Study Services.
When the audience is an immigration adjudicator. An E-2, EB-5 or L-1 filing is a separate deliverable with its own scope, and we build it as one: immigration business plans.
When you have not settled what you sell or charge. A model will faithfully calculate a fantasy. Do that thinking first, with the free starter kit if budget is tight.
When you want an operating model, not a funding model. This is built for a raise, not as a rolling 13-week cash tool or a reporting pack.
When your accountant's model already holds together. A rebuild wastes your money. Bring it to the call and we will say if a review is the better answer.
$1,000, $1,800 or $2,800; Standard and Premium include a full 5-year model.
$1,000, $1,800 or $2,500, with 5-year projections and DSCR.
$1,950, $2,950 or $3,950.
$3,900, $6,500 or $9,800; complex from $14,000.
We never charge a percentage of anything you borrow, invest or raise: see every price we charge.
Every quotation was checked against raw source text retrieved on 30 October 2026.
Not verified, so left out: what any individual lender or investor asks for beyond these rules, approval rates, and other firms' prices.
You get the full editable Excel workbook, not a PDF. Formulas are intact, nothing is locked, and the assumptions tab is yours to change, so when a lender asks what happens at a lower price you can answer in the room.
Business Plan Firm's financial modeling services are fixed price: Essential $750, Standard $1,250 and Premium $1,950. Standard adds scenario analysis, DSCR, funding and use of funds; Premium adds a multi-location or multi-product build and a cap table or debt schedule. We never charge a percentage of anything you borrow, invest or raise.
Under SOP 50 10 8.1, for the main loan types: 2 years from funding, or from the end of construction, for a Standard 7(a) loan based on projections; 12 months for a 7(a) Small loan using projections (not a change of ownership); and at least 2 years for a 504 project whose history falls short. Five years is our deliverable and SBA's general guidance, not a loan rule.
For a Standard 7(a) loan, SOP 50 10 8.1 asks for projections reaching debt service coverage of 1.15 or more within 2 years of loan funding (for a construction project, of the end of construction), on all business debt including the new SBA loan. A 7(a) Small loan that is not a change of ownership needs 1.10:1 within one year.
Not for a Standard 7(a) loan: SOP 50 10 8.1 wants projections reaching 1.15 debt service coverage within 2 years of funding (for construction projects, of the end of construction). 7(a) Small loans on projections, other than changes of ownership, need 1.10:1 within one year. On a $600,000 ten-year loan at an assumed 10.0 percent, before lender adjustments, EBITDA covering only debt service misses 1.15 by $14,272.27 a year.
The three statements stay the same; the questions change. For an equity raise our Standard model adds base, upside and downside scenarios with funding and use of funds, and Premium adds a cap table. How you may share projections with investors is a question for your securities counsel.
It can: the workbook is complete on its own. Whether yours also needs a written plan depends on what your reader asked for, and we settle that on the call. Paired with a business plan or pitch deck, we build it once and use it in both.
A Business Plan Firm financial model reaches a first version in 3 to 7 days on every tier, Essential, Standard or Premium. Work begins when the agreed deposit or full fee is received, and timelines assume you supply the information we request.
Essential includes one revision round. Standard and Premium include unlimited revisions within the agreed scope: when your lender or investor comes back with changes, we make them and re-issue. A materially different business or loan is new work, quoted first.
Yes. Bring the terms quoted to you: amount, rate, term, any interest-only period and how repayments are structured, plus a current debt schedule including any shareholder debt, because SOP 50 10 8.1 measures Standard 7(a) coverage on all business debt. Coverage sits in Standard; a full debt schedule or a cap table is Premium.
General information as of 30 October 2026, not lending, legal, securities or accounting advice, and nothing here predicts whether a loan will be approved or a raise completed. SBA policy changes, and lenders, CDCs and investors apply their own standards, so confirm what yours asks for. Prices, turnaround and revision terms match our published price list.
Tell us what you're raising for and we'll reply within one business day with next steps and a fixed quote. Prefer to talk? Book a free call instead.
info@businessplanfirm.com
(315) 226-7205 · Mon to Fri, 9am to 6pm ET
Book a free 30-minute strategy call. We'll tell you exactly what you need and how fast we can build it. Models start at $750: see the full price list.