Business Plan Template + Financial Projections

Business plan template in Word, already laid out in the traditional format that banks, lenders and investors expect, with a short writer's note in every section that tells you what to write and what a reader looks for. Fill in the [brackets], delete the notes, and you have a complete plan. Includes a startup financial projections workbook that works out the numbers for your financial plan.

WHAT'S INSIDE THE PLAN (16 pages) - How to use this template: a step-by-step page for you (delete it before you send the plan) - Executive summary with a financial highlights table and your funding request - Company description: mission, vision, company facts table, goals and objectives - Products and services: price, cost and gross margin table, pricing strategy - Market analysis: industry, target market, market size table with sources, customer needs - Competitive analysis: competitor table, competitive advantage, SWOT table - Marketing and sales plan: positioning, marketing channels and budget table, sales process, customer retention - Operations plan: location, equipment, suppliers table, licences, permits and insurance table - Management and organization: team table, staffing plan, advisors - Milestones table from today to break-even - Funding request: amount, use of funds table, owner investment, repayment - Financial plan: key assumptions, startup costs, 3-year profit and loss, cash flow summary, break-even analysis - Risks and mitigation table, and an appendix checklist of supporting documents - Automatic contents page

FINISHED EXAMPLE PLAN

• A complete 15-page plan for a made-up bakery, so you can see what each section should say before you write yours
• Its numbers match the workbook's sample file, so you can follow how the workbook results flow into the plan

THE FINANCIAL PROJECTIONS WORKBOOK

• Enter your startup costs, funding (your own money and one loan) and a few plain assumptions
• Get year 1 month by month, years 1 to 3, the monthly loan payment, your break-even month and the lowest cash point in year 1
• A Summary tab with the numbers to copy into the plan's financial tables, plus two charts
• A filled-in example for a made-up bakery shows how every tab works

WHAT YOU GET

• Business-Plan-Template.docx (editable, 16 pages, automatic contents page)
• Example-Business-Plan.pdf (a finished 15-page plan for a made-up bakery)
• Startup-Financial-Projections.xlsx (blank, ready for your numbers)
• Startup-Financial-Projections-with-Sample-Data.xlsx (filled-in example)
• Quick-start guide for the workbook (PDF)

HOW YOU GET IT

Digital download. After checkout you get a download page right away, plus a receipt by email. Nothing is shipped.

COMPATIBILITY

• Plan: Microsoft Word (.docx) on Windows, Mac or Word for the web; LibreOffice Writer
• Plan in Google Docs: upload the .docx to Google Drive and open it; all text and tables come through, page breaks can shift slightly
• Workbook: Microsoft Excel 2016 or newer (Windows or Mac) and Excel for the web; Google Sheets: upload the .xlsx to Google Drive, open it, then File > Save as Google Sheets
• Needs a computer or tablet with a word processor and a spreadsheet app

GOOD FOR

Anyone starting or growing a small business who needs a written plan for a bank loan, an investor, a grant or business program application, or their own planning, without starting from a blank page.

PLEASE NOTE

• A writing guide and planning tool, not legal, tax or financial advice. Projections are estimates from your own assumptions; have an accountant review your numbers before you rely on them or show them to a lender
• Every lender and program has its own requirements: check what yours asks for
• For your own use; please don't resell or share the files

DISCLAIMER

This template is a planning tool and does not replace advice from a qualified or licensed professional (such as an accountant, financial advisor, lawyer or certified tradesperson). Check the results before you rely on them.

HOW IT WAS MADE

Designed by VARS Digital with AI-assisted tools. Every page is checked before release.

QUESTIONS

Email varsdigitals@gmail.com and we'll help you get set up.