Templates leave the work on you
Free SCORE and SBA outlines are nine bullets and a Word doc. You still write every paragraph, build every formula, and hope it reads well.
01 Built for lender review
A finished business plan you can hand to a bank.
PlanReady delivers a lender-facing business plan, an editable Excel financial model, and a standalone executive summary — structured to follow SBA SOP 50 10 8. One purchase. No subscription. Delivered within 24 hours.
- 7-day refund before download
- 24-hour delivery after intake
- Editable Excel with visible formulas
SOP 50 10 8Followed by structure
9 / 9Traditional plan sections
25–35Page polished PDF
3 yrsMonthly + annual model
24 hrDelivery from intake
02 Why most options fail
The market sells software. Lenders want a document.
The buyer’s real fear is simple: “Will this hold up when my banker reads it?” PlanReady is built around that single objection.
Plan-builders make you the editor
Subscriptions like LivePlan and Upmetrics ship a web app. The output is a PDF export from someone else’s tool — and reviewers can tell.
AI generators feel generic
Fast prose without grounded financials. Lenders push back the moment they ask “where did this number come from?”
03 What you get
Three deliverables. Built to be submitted, not edited further.
Every order ships the artifact set a serious reviewer expects, formatted with the restraint of an investment memorandum — not the energy of a SaaS export.
.PDF
Business plan PDF
25–35 pages, all nine SBA Traditional-format sections, set in the PlanReady house style. Print-grade typography, hairline rules, tabular figures.
- Executive summary, company description, market analysis
- Organization & management, products / services
- Marketing & sales, funding request, financial projections, appendix
.XLSX
Excel financial model
An editable workbook with visible formulas, named assumptions, and a single-cell ramp curve so every number on the page is auditable.
- Year-1 monthly P&L; years 2–3 monthly + annual
- Pro-forma balance sheet, indirect cash flow
- Sources & uses, loan amortization, DSCR calculation, break-even
.PDF
Standalone executive summary
A two-page leave-behind for the banker meeting. Project cost, loan request, equity, DSCR, and viability — legible at a glance.
- Branded cover and footer
- Quantified ask in the first 30 seconds of reading
- Designed to be printed front-and-back
04 Built for SBA SOP 50 10 8
Every plan ships the seven elements lenders look for in a credit memo.
The current SBA SOP — effective June 1, 2025 — tightened underwriting around DSCR, equity injection, and credit-elsewhere documentation. PlanReady plans are structured so a reviewer can find each requirement in seconds.
PlanReady is an independent provider and is not affiliated with, endorsed by, or certified by the U.S. Small Business Administration.
- DSCR calculation tableShown, not buried — targeting ≥ 1.25× by month 24.
- Sources & uses statementEquity injection broken out and confirmed at ≥ 10% of project cost.
- Year-1 monthly cash flowThe detail SOP 50 10 8 requires for startups and changes-of-ownership.
- Pro-forma opening balance sheetDay-one snapshot reflecting the loan and equity injection.
- “Credit elsewhere” narrativeThe new SOP requirement, written in plain language for the file.
- Management capacity sectionOwner background mapped to operating experience, with resume slot.
- Assumptions tab, every driver citedBenchmarks derived from federal data sources (IRS SOI, BLS OEWS, Census).
05 Sample deliverable
What a finished plan actually looks like.
Below is a representative spread from the restaurant-launch sample. The same structure carries through every industry pack.
Marco's Table
p. 04
Funding request
Marco's Table is requesting a $450,000 SBA 7(a) term loan, 10-year amortization, to fund leasehold improvements, kitchen build-out, opening inventory, and four months of working capital. Owner equity injection of $125,000 represents 21.7% of total project cost, exceeding the SOP 50 10 8 minimum of 10%.
| Line | Amount |
|---|---|
| Leasehold improvements | $210,000 |
| Kitchen equipment + smallwares | $118,000 |
| FF&E (dining room) | $42,000 |
| Working capital (4 mo opex) | $98,000 |
| Licensing, opening inventory, training | $67,000 |
| Contingency (7%) | $40,000 |
| Total project cost | $575,000 |
From the plan PDF
Funding request page — quantified ask, line-itemized uses, and equity check on the same page.
Excel model
DSCR
Debt service coverage — annual
| Year | EBITDA | Debt service | DSCR |
|---|---|---|---|
| Y1 | $71,400 | $63,200 | 1.13× |
| Y2 | $89,800 | $63,200 | 1.42× |
| Y3 | $104,300 | $63,200 | 1.65× |
Year-1 DSCR is below the 1.25× lender overlay; the plan documents the ramp and shows positive cash flow within 24 months, the SOP threshold.
From the financial model
DSCR table built from the cash-flow tab. Every input is editable; nothing is a hard-coded number.
Executive summary
p. 02
The ask, at a glance
| Concept | Casual Italian, 54 seats |
| Location | Austin, TX |
| Project cost | $575,000 |
| SBA 7(a) request | $450,000 |
| Equity injection | $125,000 / 21.7% |
| Year-2 DSCR | 1.42× |
| Term / amortization | 10 yr / monthly |
A leave-behind designed to survive a five-minute review on a banker’s desk.
From the executive summary
Two-page document with the ask, the operator, and the headline numbers up front.
06 Pricing
$249, one time. The dead zone between AI toys and consultants.
There is real product between a $99 generator and a $2,500 consultant. PlanReady is built for that gap.
Free templates
$0
SBA + SCORE outlines and Word docs.
- Blank structure only
- You write every paragraph
- No financial model
AI generators
$69–$99
15minuteplan, ChatGPT, generic LLM tools.
- Fast draft text
- Generic, weak assumptions
- Lenders flag tone immediately
Recommended
PlanReady
$249one-time
Finished PDF + editable Excel + executive summary.
- Formatted to follow SBA SOP 50 10 8
- Visible formulas, cited assumptions
- Delivered within 24 hours
- 7-day refund before first download
Plan-builder SaaS
$20–$40 / mo
LivePlan, Upmetrics, Bizplan.
- You edit inside their app
- Export quality varies
- Subscription continues post-launch
Consultants
$1,650–$15,000
Wise, Go, Pro Business Plans, freelancers.
- High-touch, fully custom
- Two- to four-week turnaround
- Floor pricing well above $1,500
07 How it works
Three steps. No login. No portal.
The V1 offer is intentionally narrow: buy, answer the intake, receive the package. No software to maintain after the plan is delivered.
-
01
Pay once
$249 one-time via Stripe. No subscription, no credit card hanging around afterwards.
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02
Answer the intake
Roughly 20 questions: business details, funding request, owner background, key operating assumptions. About 15 minutes.
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03
Receive the package
Within 24 hours: PDF plan, editable Excel model, and standalone executive summary, by email.
08 FAQ
Objections handled directly.
Is this just a template with my business name dropped in?
No. The plan is built from your funding request, operating assumptions, and owner background. Templated structure, custom content. The numbers in the model are computed from your inputs, not stock figures.
Can I actually use this for an SBA loan application?
Yes — that is the entire point of the offer. The deliverables are structured around the elements SBA SOP 50 10 8 requires in a credit memo: DSCR table, sources & uses, year-1 monthly cash flow, pro-forma balance sheet, credit-elsewhere narrative, management section, and an audited assumptions tab.
Do I get an editable Excel file?
Yes. The financial model ships as an .xlsx workbook with named ranges and visible formulas. If your lender asks you to change a rent assumption or revise the revenue ramp, you change one input and the model recalculates.
Why not just use ChatGPT, LivePlan, or a free SBA template?
Those tools all leave you holding the pen. PlanReady is the opposite trade: pay $249, answer the intake, and get a finished package — PDF + Excel + executive summary — without spending nights writing and modeling yourself.
How fast is delivery?
Within 24 hours of completed intake. Built around real financing timelines, not open-ended software projects.
What is the refund policy?
Full refund within 7 days, available until you download the deliverable. Once the package has been downloaded, all sales are final.
Are you affiliated with the SBA?
No. PlanReady is an independent provider. We format documents to follow the structure of SBA SOP 50 10 8 and to be readable by SBA-approved lenders. We are not affiliated with, endorsed by, or certified by the U.S. Small Business Administration.
What happens if my numbers change?
One free regeneration is included within 7 days for input-correction errors. Beyond that, the editable Excel model is yours to update directly.
09 Start
The loan package matters. The document quality matters too.
For owners who do not want to walk into a lender conversation carrying something that looks generic, undercooked, or obviously machine-made.
7-day refund · 24-hour delivery · one-time purchase
∞ Pre-launch
Checkout opens shortly.
Stripe is being wired in. In the meantime, email us and you’ll be first in line when the live link goes up — with founder pricing protected at $249.
Email hello@planready.co
No newsletter, no automation. A real reply.