Business Plan Template with Financial Projections Google Sheets Excel | SBA Loan, Startup Costs, Cash Flow Forecast, 3 Year P&L, Break Even

Seller's description

Turn your idea into the numbers a bank wants to see: startup costs, loan payment, cash flow, 3-year profit and debt coverage.

This Business Plan + SBA Loan Projections is a ready-to-use spreadsheet for Google Sheets and Excel. List your startup costs and where the money comes from, type your loan rate and term, then your products (price, cost, how fast sales grow) and your monthly expenses. The file works out your monthly loan payment, a 12-month cash flow with your lowest cash point, a 3-year profit and loss, break-even sales, a what-if table for lower sales, and your debt service coverage ratio (DSCR), the number SBA lenders check first. A written business plan in the 9 sections lenders expect, with a tip for each, is included. Comes with a sample bakery cafe plan so you can see it working. Type in the yellow cells; everything else is calculated for you.

▶ VIDEO TUTORIAL: see every tab in about a minute: https://drive.google.com/file/d/1acekB7bVFWnfmLqbE6b5qLkXmRoIJmZQ/view

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WHAT'S INSIDE (FULL VERSION, 11 TABS)
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• Start Here: quick setup guide
• Dashboard: startup costs, loan, monthly payment, DSCR, year 1 sales and net profit, break-even sales, lowest cash, charts
• Startup Costs: up to 40 items by category, funding sources (owner cash, SBA loan, family, investors, grants) and the gap
• Loan: monthly payment, total interest, and interest, principal and balance year by year
• Sales Forecast: up to 10 products or services with price, cost, month-1 sales and monthly growth
• Expenses: up to 30 running costs, fixed or % of sales, start month and yearly increase
• Business Plan: executive summary, company, products, market, competition, marketing, operations, team and funding request
• Cash Flow: 12 months of sales, costs, loan payment, owner draw and closing cash, with a low-cash alert
• 3-Year P&L: sales, gross profit, expenses, depreciation, interest, tax, net profit and DSCR
• Break-Even: break-even sales per month and profit at 60% to 120% of plan
• Setup: business name, start month, tax %, owner draw, growth for years 2 and 3, lists

A tab bar at the top of every page lets you jump between tabs in one click.

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YOU GET 4 FILES
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• Full version with sample data (see it working)
• Full version, blank
• Lite version (8 tabs: Start Here, Dashboard, Startup Costs, Loan, Sales Forecast, Expenses, Cash Flow, Setup) with sample data
• Lite version, blank

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HOW IT WORKS
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1. Download the .xlsx files after purchase.
2. Google Sheets: upload to Google Drive, open, then File > Save as Google Sheets.
Excel: open the file and click Enable Editing.
3. Fill in Setup (about 3 minutes), list your startup costs, then your products and expenses.

Works in Google Sheets (free) and Microsoft Excel (desktop and Microsoft 365). Not for Apple Numbers.

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LIFETIME UPDATES + FREE SMALL CHANGES
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Every improvement I make is yours for free: just download the files again from your Etsy purchases.
Need one small change? An extra column, your currency, more rows, a renamed category. Message me after your purchase and I will make it for you, free. I reply within 24 hours.

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PLEASE NOTE
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• This is a digital download. No physical item will be shipped.
• A planning tool. Not financial, tax or legal advice, and it does not guarantee loan approval.
• Due to the digital nature of the product, I do not accept returns, but message me and I will help with any issue.

Designed by Albina at HomeBizPaperwork. Built with the help of AI tools and my own scripts, then checked in Google Sheets before every release.