How a professional business plan can secure you that all important bank loan

Why a professional business plan can help you secure a loan application for your business.

Why do you need a business plan when applying for a business loan?

When you apply anywhere for a loan or a grant, the source of the funds (normally a bank) will always want a business plan.

However, the quality of your plan is pivotal to success in raising the funds and, in fact, to the success of your business.

Our business plans for sale have proven to be succesful when applying for a bank loan for your company? Why? Well, in short, because we've been writing proper, professional business plans for various companies, big and small, for more than 47 years. As professionals in our field, we know what lending institutions look for in a business. That's why our business plans are not cheap, but worth every cent! Remember - you have only one chance when applying for a company loan and messing up that chance with a poorly structured business plan that you bought from a non-reputable source might just mean that you make all future loan applications that more complicated and tiresome.

Take the next step to success for your business and get a professional business plan from us.

A professional business plan can take your business to the next step on its road to success.

How much does a professional business plan cost and where can I buy one?

A good business plan can be quite expensive. However, because we specialise in setting up businesses for success, we offer professionally drafted business plans at a fraction of the loan amount. We also do not offer one standard business plan like most other companies. Because every loan application is different, we have compiled a list of six standard plans, covering just about all scenarios when it comes to applying for finance for your business.

We offer the following business plans and loan application documents for sale:

  1. Application for funding. NEF or similar. Not including the business plan
    This is an application for funding document only and needs the business plan for completion.
    Click here to purchase this document from our online shop.

  2. Business plan R10m
    Complete business plan for inclusion in applications for funding up to R10m and to plan your business venture.
    * Estimated professional time spent 12 hours.
    Click here to purchase this business plan from our online shop.

  3. Business plan R20m
    Complete business plan for inclusion in applications for funding between R10m and R20m and to plan your business venture.
    * Estimated professional time spent 15 hours.
    Click here to purchase this business plan from our online shop.

  4. Business plan R30m
    Complete business plan for inclusion in applications for funding between R20m and R30m and to plan your business venture.
    * Estimated professional time spent 20 hours.
    Click here to purchase this business plan from our online shop.

  5. Business plan R50m
    Complete business plan for inclusion in applications for funding between R30m and R50m and to plan your business venture.
    * Estimated professional time spent 30 hours.
    Click here to purchase this business plan from our online shop.

  6. Business plan R100m
    Complete business plan for inclusion in applications for funding above R50m and to plan your business venture.
    * Estimated professional time spent 50 hours.
    Click here to purchase this business plan from our online shop.

Why you shouldn't do your won business plan.

So what is a business plan and how is it put together?

It starts with a financial forecast of what you expect to happen over the coming five years. This means that you have to predict the capital expenses (buying things like motor vehicles, computers, office furniture etc.), turnover and operating expenses over the next five years. This information is then used to create a financial model of your company. At first shot, this model usually turns out unrealistic results, either excessive profits or losses or possibly, the company is forecast to be flooded with cash or hopelessly short of cash.

The next step is to eliminate incorrect assumptions. This will help to bring the model into line with business norms and will normally deal with the excessive (unrealistic) profits or cash.

Once that is done, we then need to discuss what changes you can make to your plans in order to improve the projected performance of your company. Here you will probably need expert guidance. Matters such as staffing, marketing, outsourcing and the like will typically be addressed. Gradually, the model will become more realistic and achievable and you will feel more comfortable that it is, indeed, your way forward.

Having settled on the financial model, the written part of the business plan is addressed. This describes the business in words and covers such areas as the company's range of products or services, the competition, the target market, the major suppliers and identifies risks and how they will be mitigated.

There are many companies that offer to prepare your business plan for you and their quality depends on the qualifications and experience of the employee who is assigned to you.

They are often very thick (many of them boast about how many pages you get!) and very pretty, but of little true relevance to your actual future.

In our case, you get the best, because your senior consultant at Harbour & Associates will always be our CEO, Derek Springett.

Derek's qualifications include:

  • Professional Engineer - Pr(Eng)
  • Chartered Accountant - CA(SA) 
  • Registered Auditor - RA
  • member of Mensa and
  • registered Tax Practitioner

He has been in business all of his working life either as an engineer or as a Chartered Accountant and now spends most of his time mentoring and advising business people at all levels.

The business plan that we prepare with you will not merely be a document to help you raise funding, but will be a valuable tool to assist you in running your company over the formative years. And once you are up and running, we will always be there for you to advise and guide you at no charge for meetings or phone calls. In fact, if you would like the first of those free meetings now, why not book one right away on https://harbourassociates.youcanbook.me/ . It's as simple as that and always will be.

You can browse around our online shop and find our pricing for business plans and loan applications  along with all of our other services.

* please note that the NEF only provides loans which are repayable and these are restricted to BEE empowered companies. They do not provide non-repayable grants.

Accreditations & Memberships

South African Institute of Chartered Accountants. Designation CA(SA) Engineering Council of South Africa. Designation Pr(Eng)Independent Regulatory Board for Auditors. Designation RA<    Internationally Accredited Financial MediatorsMember of MENSA, the High IQ Society

 

 

 

Contact Details

Minentle : mini@harbourassociates.co.za

Tumi : tumi@harbourassociates.co.za

Derek : derek@harbourassociates.co.za

Johannesburg Office : 011 805 0030

After hours (any day, any time) : 082 692 1292

Skype: derek.peter.springett

Find Us Here

Address: 1st floor, Gallagher School Building, 537 Lupton Drive, Midrand, Gauteng

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