Written by the same AI engine that powers our strategy platform: market sizing with visible math, competition, operations, licensing checklist, and full financials — 36-month projections, break-even, and a DSCR your lender will actually check. In about 15 minutes.
What the engine actually does, before you read a plan it wrote:
These are complete, unedited outputs of the same engine your plan runs through — not excerpts and not mock-ups. Three different trades, three different lending stories. Open the document, check the arithmetic, then decide.
A neighbourhood espresso bar in Portland asking $118,000. Year-1 DSCR 1.92, break-even at 4,487 transactions a month.
A 46-seat bistro in Asheville asking $265,000 with the build-out already started. Year-1 DSCR 1.47, break-even at 1,896 covers a month.
An owner-operator in Knoxville borrowing $248,000 to go from one truck to three. Year-1 DSCR 1.49, break-even at 18,781 loaded miles a month.
What to look for: every figure is either something the owner supplied, something one of their documents confirmed, or a benchmark with its source printed beside it. Where an input was missing, the number is refused rather than invented — and the refusal says what it needs.
Pick from 29 industry presets and the plan covers the make-or-break specifics a template always misses — the commissary requirement for a food truck, FMCSA authority and per-mile costs for trucking, staff-ratio licensing for daycare, pour-cost and liquor licensing for a bar:
restaurant · coffee shop · café · bakery · bar · food truck · catering · trucking · box truck · cleaning · landscaping · lawn care · salon · nail salon · spa · barbershop · gym · daycare · photography · e-commerce · online boutique · clothing line · real estate · airbnb · vending · laundromat · construction · nonprofit · farm
1. Answer seven questions. No account, no card — what kind of business, who reads the plan, where you trade, what one sale brings in, how many a month, and what you need to borrow.
2. You get part of the real thing straight away: your market snapshot, the licences your trade actually needs with lead times, the costs a first-time owner in your trade forgets, and the benchmark bands your numbers will be judged against — every one of them cited.
3. You also get the one number we refuse to give you, and the reason. That refusal is the product working, not a paywall.
4. Pay $149 once. Your seven answers carry over, the full interview fills in the rest, and the Readiness Check has to pass before the document is produced — and your free business-strategy run unlocks with it.
Ask a free chatbot for a break-even and it will give you one in four seconds. It will have invented your variable cost to get there, because you never told it what one unit costs you to make — and break-even is the first arithmetic a loan officer redoes by hand.
This product does the opposite. If a figure needs an input we do not have, it does not appear, and the gap is labelled with what it needs. You will see that in the free preview before you pay anything: “Break-even: needs your variable cost per unit.” Greyed out, on purpose.
The same rule holds all the way through the paid document. Every number is either something you supplied, something one of your documents confirmed, or a benchmark with its source printed next to it. There is no fourth category, and there is no “generate anyway” button — a plan that fails its own arithmetic is worse than no plan, because the bank finds it rather than you.
| Free chatbot | This | |
|---|---|---|
| Where the numbers come from | Invented to fill the template | Your answers, your documents, or a cited benchmark |
| When an input is missing | Guesses, and does not say so | Refuses, and names the input it needs |
| Does the arithmetic reconcile | Nobody checked | Ten checks must pass before the document exists |
| Licences and permits | Generic list, no lead times | Your trade's, with typical cost and weeks |
| The awkward questions | Not raised | Listed, so the lender does not ask them cold |
| Assumptions register | None | Every figure, its source, and what a 20% miss does |
If any number in your finished plan fails to reconcile, you get a full refund. Not a credit, not a rewrite — your money back. We can offer that because the arithmetic is checked before the document is produced rather than after you have taken it to a bank. Nothing here promises an approval, and no one honestly can: the lending decision is the lender's.
Lenders don't read adjectives, they read tables: a complete startup budget with a working-capital reserve, an operating-assumptions register where every number states its source, a monthly Year-1 P&L and quarterly Years 2–3, break-even in units and dollars with the month you reach it, a funding request with use-of-funds, and — for the SBA format — a Year-1 debt-service coverage ratio computed against the 1.25 underwriting threshold.
Free to start. $149 once for the document — strategy run included. About 15 minutes of your time.
Build my business plan →A plan documents a decision. These pages help make it.