The business plan your SBA lender expects to see.

When a bank asks for a business plan with your SBA 7(a) application, it's asking a specific question: can this business repay the loan? We build the 25–35 page document that answers it — in the standard lender format, on a live financial model, with every statistic cited — delivered within 48 hours for $449 flat.

Plain disclosure: 48 Hour Plan is a document-preparation service — not a lender, broker, or financial institution, not affiliated with the SBA, and we never guarantee loan approval. We write the document; the lending decision is entirely your lender’s.

DSCR vs. lender thresholds shown

Monthly Year-1 projections

Downside case included

Every market claim cited

What loan underwriters actually look for

SBA lending standards require your projected cash flow to cover loan payments with room to spare — a debt-service coverage ratio (DSCR) of at least 1.15x under the SBA's lending criteria, and many banks screen for 1.25x or higher in practice.* A plan that never computes this number forces the underwriter to do it themselves. Ours puts it on the page.

Use of funds — exactly what the loan buys, itemized, matching your application amount.
Repayment evidence — 3-year projection summary plus monthly Year-1 detail, with DSCR computed against lender thresholds, break-even, and margins visible.
A downside case — what happens if revenue comes in 25% light, and why the loan still services. Underwriters stress-test your numbers; we do it first.
Market evidence with sources — industry size, local competition, pricing norms — every statistic carrying a URL the lender can check.
An Assumptions Register — every estimate we made, labeled and sourced, so nothing in the model is a mystery number.

Rough numbers are fine. The intake is 12 short questions, and "I don't know" is a valid answer to any of them — gaps become clearly labeled, industry-sourced assumptions you can correct in your included revision round.

What we will never tell you

That this plan gets you approved. Nobody can promise that — approval depends on your credit, collateral, cash flow, and the lender across the desk. Walk away from anyone who guarantees an outcome. What a complete, well-sourced, correctly formatted package does is make sure the paperwork is never the reason you're declined.

Scope note: we don't prepare immigration- or visa-related business plans (E-2, EB-5, L-1 and similar) — those need specialized immigration expertise. Order one by mistake and we refund you in full the same day.

Pricing

Lender-Format Business Plan

$449

flat · delivered in 48 hours

Start your plan

Funding Bundle — plan + investor deck

$649

save $149 · one consistent model behind both

Start the bundle

One revision round included, returned within 24 hours. Miss the 48-hour deadline and you get a full refund. Need it in 24 hours? Rush is +$99 and invoiced by hand rather than charged at checkout — so if your deadline isn't hittable we say so before you pay.

See the standard before you spend a dollar.

Read a complete sample plan — a fictional Sacramento coffee roastery seeking a $180,000 SBA 7(a) loan — built to exactly the standard your order gets: cited statistics, live model, DSCR, downside case.

Read the full sample

* SBA 7(a) lending criteria require a minimum debt-service coverage ratio of 1.15x on a historical and/or projected cash-flow basis; individual lenders commonly apply higher internal thresholds such as 1.25x. Sources: sbalenders.com, "New SBA lending criteria for 7(a) loans"; sba7a.loans, "What is the Required DSCR for SBA 7(a) Loans?" — checked August 2026. 48 Hour Plan is not affiliated with the SBA or any lender; "SBA-lender format" describes document structure, not endorsement.