Templates leave the work to 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 to the credit officer.
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
All 9Traditional plan sections
25–35Page polished PDF
$0 / moNo subscription
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 ship a web app, not a document.
Subscriptions like LivePlan and Upmetrics deliver an editor.
Output is recognizably an export from someone else’s app, and you’re paying every month while the plan sits in a drawer.
AI drafts read generic to a credit officer.
Fast prose, but the financials are not grounded.
The reviewer pushes back the moment they ask “where did this number come from?” — and there is no answer.
03 What you get
Three deliverables. Built to be submitted, not edited further.
Every order ships the artifact set a serious reviewer expects, set in the PlanReady house style — closer to a credit memo than a template.
.PDF
Business plan PDF
Twenty-five to thirty-five pages, all nine SBA Traditional-format sections, in the PlanReady house style.
- 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 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. The ask, the operator, the headline numbers — legible at a glance.
- Branded cover and footer
- Quantified ask in the first thirty 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. 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.
- DSCR calculation tableDebt service coverage — does the business cover its loan payment with margin? Shown, not buried, targeting ≥ 1.25× by month 24.
- Sources & uses statementEquity injection broken out and confirmed at ≥ 10% of total 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 citedEach benchmark traced back to a public federal source.
Sources Benchmarks in your plan are derived from public federal data — IRS SOI, BLS OEWS, Census Economic Census, SBA loan-level data.
PlanReady was built after we read fifty business plans submitted to small-business lenders. The pattern was always the same — strong narrative, weak numbers, or vice versa. The package we ship is the one we wished those owners had handed in.
— The PlanReady team
05 Sample deliverable
What a finished plan actually looks like.
Three spreads 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
Quantified ask, line-itemized uses, equity check on a single 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 documented ramp brings DSCR positive within 24 months — the SOP threshold.
From the financial model
DSCR built from the cash-flow tab. Every input is named and editable.
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 leave-behind. Built to survive a five-minute desk review.
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. The intake takes about fifteen minutes.
The V1 offer is intentionally narrow: buy, answer the intake, receive the package.
-
01
Pay once
$249 one-time via Stripe. No subscription, no card on file after the plan is delivered.
-
02
Answer the intake
About twenty questions: business details, funding request, owner background, key operating assumptions.
-
03
Receive the package
Within 24 hours: PDF plan, editable Excel model, and standalone executive summary, by email.
08 FAQ
Objections handled directly.
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.
Is this just a template with my business name dropped in?
Templates supply structure. PlanReady supplies a finished package — built from your funding request, operating assumptions, and owner background. The numbers in the model are computed from your inputs, not stock figures.
Do I get an editable Excel file?
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.
Where do the industry benchmarks come from?
Public federal sources — IRS Statistics of Income, BLS Occupational Employment and Wage Statistics, Census Economic Census, and SBA loan-level data. Every benchmark in your plan is cited.
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?
PlanReady is independent. 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.
09 Start
When the lender opens it, the document does half the work.
PlanReady is for owners who refuse to walk into a financing conversation carrying something that looks generic. One purchase, $249, delivered in 24 hours.
7-day refund · 24-hour delivery · one-time purchase
Early cohort
Founder pricing reserved for early customers.
PlanReady is launching to a small first cohort. Email us — your $249 founder price is locked in regardless of where the public price lands, and you’ll be among the first to receive a finished plan.
Email hello@planready.co
No newsletter, no automation. A real reply.