top of page

SBA Business Plan Consultant

So your company has decided to apply for an SBA Guaranteed Loan and you have reviewed the SBA checklist for submitting an application. Foremost on the checklist is a Business Plan. You've prepared Business Plans before, but never for an SBA loan. Now what?

Business Plan Writer vs. SBA Business Plan Consultant

To maximize your chances of getting approved for a business loan through the SBA, your Business Plan must be geared toward meeting all of SBA's requirements (to find out more about SBA Business Plans, click here). You only get one chance to impress your lender, so you want to hire an SBA expert to make sure your SBA Business Plan is thorough and passes the intricate scrutiny of the SBA and the lender. You have two options:

  1. Hire a professional SBA Business Plan Writer

  2. Hire a professional SBA Business Plan Consultant

These professional are experts in their own right. One is a professional writer, the other is an SBA Business Loan expert.

Business Plan Writer - Your Writer's Role Is Limited

A Business Plan Writer writes the Business Plan document with strategies and information that YOU provide. The Business Plan writer has a limited role in developing your strategies. The main functions of your Business Plan writer is to collect all necessary information, to ensure that the information is coherent and complete, and to design a final Business Plan document that will be presented to the lender and to the SBA.

The SBA Business Plan Writer:

  • Collects Information

  • Checks for completeness and consistency

  • Writes the actual Business Plan

To find out more about the role of an SBA Business Plan Writer, click here.

SBA Business Plan Consultant - Wider Scope In Development

On the other hand, an SBA Business Plan Consultant helps you develop your business strategies aimed at securing an SBA loan. This helps you maximize your chances of getting approved. These strategies will ultimately be presented in your SBA Business Plan, as written by someone on your team. The consultant guides your team and the business plan writer and recommends business strategies impacting your ability to secure funding. The SBA Business Plan Consultant does not necessarily write the Business Plan document.


An SBA Business Plan Consultant is involved in three distinct phases of your SBA Business Plan.

  1. Pre-writing phase -Business Concept Development

  2. Post-writing phase - Reviewing the final Business Plan and recommending edits

  3. Lender submission phase - Recommending Business Plan edits to comply with a specific lender's requirements

SBA Business Plan Consultant - What A Real Expert Should Do

Before the Business Plan is prepared,  the experienced SBA Business Plan Consultant will:

  • Analyze the current status of your business

  • Review past performance and company track record

  • Consider the adequacy of your management team and credentials

  • Develop your Business Concept for expanding your business through an SBA loan

  • Scrutinize the feasibility of obtaining an SBA Guaranteed Business Loan

  • Help you target an SBA loan program

  • Analyze your projected financial statements

  • Recommend legal entity structuring and percentage of ownership

  • Help you develop your Sales Forecast and the Personnel Compensation Plan

  • Review the Uses of Proceeds

  • Make final recommendations to be incorporated in your SBA Business Plan

SBA Business Plan Review And Edit

After the Business Plan is prepared, your comprehensive SBA Business Plan Consultant will:

  • Review the first draft of your SBA Business Plan

  • Compare the business strategies as narrated in the document with the specific SBA program you are applying for
  • Suggest final edits to the narratives and to the overall presentation

Consultation After Application Is Submitted

Your SBA Loan Application is initially submitted through an SBA lender of your choosing (Bank of America, Wells Fargo, Accion, etc...). This lender will conduct a preliminary review of your initial application along with the SBA Business Plan and will advise you regarding certain changes that they see fit. These changes may pertain to the requested Loan Amount, Owners Contribution, Amortization Period, Interest Rate, etc... Your SBA Business Plan Consultant should help your team revise the projected financial statements and the Business Plan to comply with lender's request.

  • Revise financial projections

  • Recommend changes to narratives
  • Review the edited Business Plan before re-submitted to the bank

Need More Information?

Is your business interested in obtain an SBA loan and in need of an SBA expert to help you guide your project? BP Consultants is the national authority for strategic SBA Business Planning to optimize your ability to obtain an SBA loan. As a nationally renowned SBA consultant, BP Consultants has developed hundreds of Business Plans and financial projections to help the business owner meet their objectives. We provide expert SBA-related services offering you as much (or as little) of our services as your project requires, always aiming at the goal of getting your business loan approved.

  • SBA Business Plan Consulting

  • SBA Business Plan Writing Services

  • SBA Loan Application Representation Services

Thanks! Message sent.

Send us a short message
to speak with an
SBA Business Plan Consultant


     Your First Consultation is Always FREE


bottom of page