Business plans for financing
A plan written for the people who decide on financing — clear revenue logic, a realistic repayment profile and an argument that holds up under questions.
Banks, HAMAG, HBOR and investors don't want the prettiest plan — they want the clearest. We prepare documents that show where revenue comes from, how long payback realistically takes, and why the requested financing level is sustainable. Every assumption is documented because the committee or investor will check.
What changes after we work together
- A plan written 'for everyone' — unclear audience and purpose.
- Assumptions without sources; bank/HBOR/HAMAG keeps asking for revisions.
- Investment rationale that doesn't open a repayment conversation.
- A plan tailored to the audience (bank, HBOR, HAMAG, investor).
- Documented assumptions and a scenario-based risk view.
- A clear argument for repayment and expected return.
When this service makes sense
- Company and sole-trader owners applying for an investment loan with a bank.
- Founders seeking a HAMAG-BICRO guarantee or HBOR loan to support growth financing.
- Existing businesses expanding capacity, buying equipment or raising investor capital.
- A bank, HBOR or another financial institution requires a business plan as part of the credit file.
- You are applying for a HAMAG-BICRO guarantee program or a public financing program.
- You are raising capital from a private investor and need a plan that survives due diligence.
- Your investment exceeds own funds and you need external financing.
How different financing sources read a business plan
The same document looks very different through the eyes of HZZ, a bank, HAMAG, an investor or an internal committee. The plan must answer the questions of the actual reader.
| HZZ | Bank | HAMAG / HBOR | Investor | Internal decision | |
|---|---|---|---|---|---|
| Primary concern | Sustainability of self-employment | Ability to repay the loan | Programme fit and eligible costs | Growth potential and return | Whether the project earns internal resources |
| Depth of financials | Basic but consistent | High — projections and ratios | High — aligned with programme rules | High — scenarios and unit economics | Medium — focused on ROI and resources |
| Weight of risk | Medium | Very high | High | High, but tolerated against upside | High — operational and market risks |
| Weight of cash flow | Medium | Very high | High | High | Medium — impact on other projects |
| Typical decision focus | Can the plan be delivered with the grant | Will the client repay reliably | Does the investment fit the programme | Is the business worth entering | Is the project a priority versus others |
How we work
Investment analysis
Understanding the goal, source of repayment and key financial indicators.
Plan structuring
Writing in the structure banks, HAMAG, HBOR and investors use — no jargon, repayment- and return-focused.
Financial projections
Detailed projections with assumptions, scenarios and risk analysis.
Revisions after feedback
One round of revisions after the first read by the bank, HAMAG, HBOR or investor.
Investment analysis
Understanding the goal, source of repayment and key financial indicators.
Plan structuring
Writing in the structure banks, HAMAG, HBOR and investors use — no jargon, repayment- and return-focused.
Financial projections
Detailed projections with assumptions, scenarios and risk analysis.
Revisions after feedback
One round of revisions after the first read by the bank, HAMAG, HBOR or investor.
Concrete outcomes
- Full business plan formatted for credit committees and investors.
- Revenue, cost, cash-flow and loan-repayment projections for 3–5 years.
- Key risk analysis and answers to expected questions from financiers.
- Executive summary for the first page.
Business plan for financing
- 01Executive summary
- 02Investment plan
- 03Revenue projection
- 04Cost projection
- 05Cash flow
- 06Risks & assumptions
- 07Loan repayment
Let's prepare a plan that passes the credit committee and investors
We discuss the investment, send an offer and start. No obligation.
The first conversation is informative and without obligation.
Questions clients most often ask before we start working together.