Business Plans
Business Plan Development
Plans written for the person who decides — a lender's credit committee, an SBA underwriter or an investor.
The short answer
A financing business plan is a structured document that explains what the business does, who it serves, who runs it, how much capital is needed, what the capital will be used for, and how the debt or investment will be repaid. It includes three-year financial projections with documented assumptions. OCS develops these plans for bank, SBA, franchise and investor audiences.
Reviewed by Joe Maldonado, OCS founder and former commercial banker with more than 20 years of commercial transaction experience.
Audience-specific
A bank plan, an SBA plan and an investor plan emphasize different things. We write for the actual reader.
Numbers tied to narrative
If the plan says you will add two trucks, the projections show the cost, the revenue and the timing.
Local market grounding
Puerto Rico and mainland markets differ. Research reflects the market you actually operate in.
Built with you
We interview you. The plan reflects your business, not a template's assumptions.
Types of plans we prepare
- Bank financing plans for conventional commercial loans
- SBA plans for 7(a), 504 and Microloan submissions
- Startup plans for businesses without operating history
- Franchise plans built around the FDD and brand model
- Acquisition plans for buying an existing business
- Expansion plans for new locations, equipment or product lines
- Investor plans where equity capital is being sought
Standard contents
- Executive summary
- Company overview, ownership and legal structure
- Products, services and pricing
- Market analysis, customer profile and competitive landscape
- Marketing and sales strategy
- Operations plan, staffing and facilities
- Management team and experience
- Use of funds and sources and uses statement
- Three-year P&L, cash flow and balance sheet projections with assumptions
The process
We begin with a working session to understand the business, the capital objective and the numbers you already have. From there we research, model and draft, then refine with you through revision rounds until the document is consistent and defensible.
The plan is yours to use and update. We also support follow-up questions from lenders after submission.
What a plan cannot do
A business plan does not create cash flow, repair credit or guarantee approval. It presents your business accurately and completely so that the decision is made on the merits rather than on gaps in the file.
Related pages
Optimum Capital Services, LLC. is a business consulting and access-to-capital advisory firm. We are not a bank, direct lender or government agency. All financing is subject to third-party lender approval and program eligibility.
FAQ
Frequently asked questions
Start with a Funding Assessment
Share your business situation and we will walk you through which capital options are realistic, what documentation lenders will expect, and how to prepare a stronger submission.
OCS is an advisory firm. Financing is subject to third-party lender approval and program eligibility.