Business Plans That Get Approved — Not Ignored

Turn your business into a lender-ready operation with clear strategy, defensible forecasts, and financing-aligned planning.

Schedule a Consultation Capital Readiness Assessment

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Most business plans aren’t written for lenders

A typical business plan reads like a pitch. A lender reads like a risk manager.
That’s the gap. Most plans fail not because the business is weak, but because the plan is built on vague assumptions, missing numbers, or a forecast that doesn’t match reality. When that happens, lenders don’t “debate the story”—they move on.

Planning and forecasting is built to answer the questions lenders actually ask:

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Where does cash come from, and how predictable is it

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What assumptions drive the forecast?

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What can go wrong, and what’s the plan when it does

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How does the requested capital get repaid

Lender-aligned planning deliverables.

We produce a planning package that translates your operations into a clear, defendable financial picture—organized for third-party review.

Depending on your scope and complexity, deliverables may include:

Executive Summary

A clear overview of what the business does, how it makes money, and what you’re trying to achieve.

Forecast Model

A simple, logical explanation of how capital will be used and how repayment is supported by cash flow.

Use of Funds & Repayment

A forward view built on realistic assumptions and tied back to actual performance where available.

Assumption Framework

Documented drivers (pricing, volume, margins, labour, overhead, seasonality), tested and explained.

Risk & Mitigation

How the lenders see risks in your plan—and what you will do to manage them.

Planning that supports real decisions.

A strong plan does more than “help with financing.” It improves decisions long before capital is involved.

Clients use planning and forecasting to:

Decide whether growth is realistic or premature
Understand the working capital impact of hiring, inventory, or new locations
Evaluate equipment purchases and repayment capacity
Test price changes, margin shifts, and cost increases
Create clarity before speaking to banks, lenders, or partners

Even if you never borrow a dollar, good forecasting prevents expensive mistakes. If you do pursue financing, it makes you easier to underwrite.

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This is a decision document. Not a pitch deck

A structured process that produces clarity fast.

We run planning as a short, disciplined engagement—focused on outcomes, not meetings.

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Intake & Current State Review

We gather your key business facts, financials, and goals. If records are imperfect, we work with what exists and document assumptions.

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Assumption Alignment

We identify the drivers of the business (sales, margins, labor, overhead, seasonality) and agree on defendable inputs.

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Forecast Build (Cash Flow First)

We build a forecast that reflects how money moves through your business—not just a theoretical P&L.

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Narrative & Use of Funds

We translate the model into a clear lender-facing explanation of why capital is needed and how it’s repaid.

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Review & Finalization

We stress-test the forecast, refine it, and produce a final package designed for third-party review.

Get a plan that holds up when it matters.

If you’re going to pursue capital—or even just make big decisions—your numbers need to be clear and defensible. We’ll help you build a forecast that aligns with reality and supports action.

Schedule a Consultation

Capital Readiness Assessment

Built for owners who want options, not guesswork.

Planning & Forecasting is ideal if:

You’re preparing for financing and want a lender-ready story
Your growth plans aren’t reflected in your numbers
Your forecast exists, but no one trusts it
You’re hiring, expanding, or changing the business model
You’re considering a purchase, acquisition, or major investment

Financing. Fixed.

Where small businesses get real funding solutions.

startBiz has developed our Fixer Framework™ exclusively for small business financing, providing owners with direct solutions and practical guidance that banks and traditional lenders don’t offer.

We fix the financing issues that slow the growth of small businesses, using five principles.

Clarity

Integrity

Competence

Professionalism

Discipline

Inspired Vision

Featured client success story

The King’s Chair Barbershop is bringing upscale men’s hairstyling across the GTA and beyond.

Locations successfully launched in two years

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Growth rate in the first 36 months

When visionary entrepreneurs Ali and Omar wanted to take men’s haircare and styling to another level in the Greater Toronto Area (GTA), we helped them communicate their passion and expertise to the banks through the startup phase and additional expansion financing; then we got out of the way while they have executed and brought three successul locations to the region. We can’t wait to see and be a part of their continued growth. Follow them here.