Brief description of the borrower's business sample. Bank business plan: opening and development plan with calculations. What is a business plan and why does a bank need it?

Company

The implementation of this project will be carried out by the open joint-stock company "__________________".

The purpose of this society is:

Creation of production facilities for the production of ___________________________ for

(regional markets) ___________________ and ___________ (foreign markets);

Creation and implementation of technologies; _____________________________

Construction of access roads and highways (if required);

Construction of service facilities (if required: indicate which ones).

Founders

Joint Stock Company "___________________" (address)

Property fund of _____________________ district (address)

Closed Joint Stock Company "__________________" (address)

State Enterprise “________________________” (address)

The authorized capital of the Joint Stock Company is ____________ billion rubles, divided into _________ thousand ordinary registered shares with a par value of _________ thousand rubles each. each. By the time the company was registered, the founders had subscribed to all _______ thousand shares (if not all, indicate how many).

The company owns the right to use a land plot with an area of ​​______ hectares. Possible partners: ______________________________

Preliminary negotiations were held with the company _______________ on the supply of equipment, carrying out design surveys for the organization of production _______.

The project will be linked to by the design institute "" (address).

The project initiator has a good reputation in government, business and financial circles, which can serve as a prerequisite for the successful implementation of the goals.

Appendix 5

An example of a description of the consumer qualities of products (mini-bakery “Russian Bread”.

Our bakery produces bread and bakery products from yeast dough. Bakery products are baked according to different recipes and vary in taste and weight. All products are made from premium or 1st grade wheat flour. 3 types of loaves are baked. However, we should dwell in more detail on open pies which are baked according to a special recipe. We intend to make them the “calling card” and pride of our bakery. Every day our assortment will consist of 15 types of products. Our product is an essential product, because... We care about nutritious nutrition for people. Demand for bakery products is inelastic.

Among the features of our products I would like to highlight the following: original taste; high quality; freshness of the product; appearance; technological superiority.

All bakery products produced are marketable due to the specific features of the baking industry:

Bakery products are consumed daily by the entire population;

The products produced are low-transportable and designed for a specific microdistrict;

Limited deadlines for implementation;

The main raw material is flour, which is characterized by high transportability and a relatively long shelf life.

We believe that, perhaps not a new product, but a rarity, our products will remain on the market for a long time, because... There are no bakeries in the B_____ area that use recipes similar to ours.

Our products are not protected by copyright certificates. We copied recipes from magazines (“Bread Baking of Russia”, “Baking Production”, collections of technological instructions for the production of bread and bakery products, a reference book on bakery production, a reference book for an engineer-technologist and a reference book for workers in the baking industry). Then we make our own changes to the recipes.

Hello, dear readers of the online magazine about money “RichPro.ru”! This article will talk about how to write a business plan. This publication is a direct instruction to action that will allow you to turn a crude business idea into a confident one step by step plan to implement a clear task.

We'll consider:

• What is a business plan and why is it needed?
• How to write a business plan correctly;
• How to structure it and write it yourself;
• Ready-made business plans for small businesses - examples and samples with calculations.

To conclude the topic, we will show the main mistakes of novice entrepreneurs. There will be a lot of arguments in favor of creating quality And thoughtful business plan that will bring your idea to fruition and success things in the future.

Also, this article will provide examples finished works, which you can simply use or take as a basis for developing your project. Ready-made examples submitted business plans can be download for free.

In addition, we will answer the most frequently asked questions and clarify why not everyone writes a business plan, if it is so necessary.

So, let's start in order!

The structure of the business plan and the content of its main sections - step by step guide on its compilation

1. How to write a business plan: detailed instructions on how to write it yourself 📝

7. Conclusion + video on the topic 🎥

For every entrepreneur who wants to develop himself and develop his business, a business plan is very important. He performs many important functions that no other person can do differently.

With its help you can secure financial support and open and develop your business much earlier than you can raise a significant amount for the business.

Investors react mostly positively to a good, thoughtful, error-free business plan, because they see it as a way to make easy money with all the troubles invented and described.

In addition, even before the establishment opens, you see what awaits you. What risks are possible, what solution algorithms will be relevant in a given situation. This is not only favorable information for the investor, but also a necessary plan if you get into trouble yourself. In the end, if the risk calculation turns out to be too daunting, you can slightly redo it, transform the general idea in order to reduce them.

Creating a Good Business Plan is an excellent solution for searching for investment and developing your own action algorithms even in the most difficult situations, of which there are more than enough in business.

That is why, in addition to our own efforts It’s worth using “other people’s brains”. A business plan involves many sections and calculations, research and knowledge, only with successful operation, which can achieve success.

The ideal option would be to study all aspects yourself. To do this, it is not enough to sit and read the relevant literature. It is worth changing your social circle, turning to courses and trainings, finding specialists for consultation on certain issues. This is the only way really figure it out in the situation and dispel all your doubts and misconceptions.

A business plan is worth writing for many reasons, but home- this is a clear algorithm of actions by which you can quickly get from point A(your current situation, full of hopes and fears) to point B(in which you will already be the owner of your own successful business stably and regularly generating income). This is the first step towards achieving your dreams and secure middle class status.

If you have any questions, you may find answers to them in the video: “How to draw up a business plan (for yourself and investors).”

That's all for us. We wish everyone good luck in their business! We will also be grateful for your comments on this article, share your opinions, ask questions on the topic of publication.

When it comes to a bank providing a loan, a business plan for obtaining a loan is drawn up taking into account the benefits or guarantees for the lender. To do this, it is important to register in one of the sections of the plan the property that serves as collateral for the loan. It is important to understand that a loan will be received only if there is a logical justification for the prospects and profitability of the planned business.

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A business plan for obtaining a loan gives a clear assessment of the start-up and ongoing costs that accompany the implementation of a business idea. Therefore, it is important to present it as attractively and accurately as possible.

1. It is better to seek help from professionals. This will help avoid accidental mistakes. The cost of drawing up a credit business plan in Russia ranges from 500-3000 dollars, depending on economic zoning.
2. Collect the maximum amount of information for market analysis. Give Special attention distribution channels and competitive advantages.
3. Read the bank terms and conditions in advance. This will help you avoid unnecessary work on redoing your paper project to the creditor's requirements.

It is important to understand that lending to unpopular or risky ideas will be rejected. Therefore, in order to get a loan from a bank, you need to study the popular industries in your area and focus on one of them.

Document structure

The structure of a business plan helps to assess the essence of the project being developed and its feasibility. The larger the idea (for example, cheese production or the introduction new service), the more detailed the description needs to be. A thorough market analysis will identify problem areas of the project, which will significantly reduce the risk for the businessman.

The standard document template can be supplemented with sections to better convey the idea.

Summary

In this section, it is important to clearly and concisely describe the following points:

• relevance of the business idea;
• business goals;
• economic calculations;
• the size of the required investments and their repayment period;
• technical and organizational aspects;
• payback.

Description of the enterprise

In this section you must indicate:

• Name;
• legal address;
• composition of founders;
• liquid collateral.

The section may include other general information at the discretion of the compiler. The main thing is to specify it, indicating only the essence, without unnecessary sentences.

Products or services

We describe the activities of the company:

• what products are planned to be produced;
• what services the company will provide.

You need to describe in detail what you plan to promote.

Marketing analysis

Marketing assessment includes the following analysis:

• sales market;
• competitors and their advantages over them;
• target audience;
• advertising campaign;
• dynamics of development of the market niche and share in it.

Production plan

In this section we describe:

• process technology;
• equipment;
• inventory;
• materials.

We indicate whether the equipment will be purchased and under what conditions the rental will take place. We calculate its service life and prescribe measures to improve the workflow.

Financial part

The financial part includes all the calculations that will be required to start a business. Starting from the registration fee to the payment of employees. Everything needs to be taken into account necessary costs, if you make a mistake, there will not be enough funds and the business will not start.

Here you need to write:

• income by month;
• monthly costs;
• the amount of initial investment.

Calendar plan

In chapter " Calendar plan“You need to create a table describing activities by month. For example, it will take 14 days to obtain licenses and registration, another 2 weeks to train employees. Such planning is necessary to understand the timing of the project launch.

Risk assessment and payback calculation

It is important to indicate the risks, because the lender will definitely monitor this point separately. If you try to cheat, you will no longer be able to get a loan. Calculating the payback may take from 3 months, but if the period is several years, there is no need to worry. For issue financial resources it won't affect.

Detailed video instructions for drawing up a business plan. Taken from the channel Full Business.

Sample business plan

Let's look at an example of how to format:

1. Title page. On this page you must indicate the name (pizzeria “La Pasticchio”) and address of the project (Moscow). It would be a good idea to write phone numbers and the date of settlement (March 31, 2019).
2. Confidentiality Memorandum. Here you indicate your wish to return the business plan, if any. It should also be mentioned that the dissemination of information and copying of any part of the document is prohibited.
3. Summary. The pizzeria is advertised to the maximum and provided brief information with economic calculations.
4. The concept and range of the establishment. For example, the choice was made in favor of an Italian pizzeria in the form of a restaurant with ten varieties of pizza and the sale of hot and cold snacks.
5. Relevance of the idea. There are many enterprises registered in the selected location, whose employees are young people. If you offer them the organization of lunch at a certain time with pre-selected content, the service will be in demand. Plus, there aren't enough family-friendly dining options in this part of town. On weekends, many Muscovites come to the nearby park for a walk and are potential clients.
6. Description and analysis of the market. About 400 pizzerias are registered in Moscow. 80 establishments offer order delivery. Large networks no, competition is high, but entering the market is relevant in a specific area.
7. Financial plan. Starting investments will be from $25,000. All calculations must be detailed.
8. Calendar plan.
9. Risk and payback assessment. The risks of opening a pizzeria are associated with dishonesty of raw material suppliers and employee theft. The pizzeria will pay for itself within 12 months.

Example

An example of a financial plan for a pizzeria with calculations in US dollars:

• repairs - 6000;
• equipment - 8000;
• documents and permits - 200;
• furniture and conceptual design - 5000;
• advertising - 1000;
• rent - 1500 per month;
• salary - 4000 per month;
• taxes - 500 monthly;
• raw materials - 1000 per month.

The cost of pizza is $1, markup is 300%. Output per day - from 50 units. Revenue within 30 days from pizza alone will be more than $5,000.

The schedule may look like this:

Stage	1 month	2 months	3 months	4 months	5 months	6 months	7 months
Market analysis	+
Preparation of a business plan	+	+
Preparation of a package of documents			+
Obtaining additional permissions			+
Renting premises				+
Repair work				+
Purchasing and completing inventory				+	+
Purchasing furniture and other decorative elements					+
Recruitment				+	+
Menu creation						+
Conclusion of contracts for the supply of raw materials						+
Opening							+

Points to pay attention to

When drawing up a credit plan, it is important to pay attention to 2 points:

• choice of taxation system;
• the need to obtain additional permits to start an enterprise.

Tax scheme

It is important to decide on one of the three taxation schemes and describe the chosen method in the credit business plan.

There are three taxation systems in Russia:

• general mode;
• simplified diagram;
• single tax on temporary income.

The need to obtain permits and licenses

In the business plan you need to indicate when to implement a business idea you need:

• license;
• permission from the competent authorities.

These may be the following types of agreements:

• with utilities - for draining water when organizing a car wash;
• with SES for opening a catering point;
• license for cargo transportation.

Business plan for an employment center

In cases where the lender is not a banking institution, but an Employment Center, the following conditions will need to be met:

• registration only as a private entrepreneur;
• calculation of starting investments should not exceed 58,800 rubles;
• expenses in the business plan must be compiled taking into account the registration fee and other small costs;
• suppliers should be as close to the company as possible;
• the work process must be described in detail.

The Employment Center provides free assistance if a small business is organized in the following industries:

• Agriculture;
• introduction of new technologies;
• provision of services.

Review of banks providing loans for a credit business plan

Bank lending conditions for a business plan differ.

Name of the bank	Amount limit, million rubles	Loan term, years	Interest rate,%	Conditions
Alfa Bank	5	5	19+	business plan; pledge; surety; service fee.
VTB	4	10	21-24	business plan; surety or pledge.
Rosselkhoz	7	15	18-23	business plan; surety or pledge.
Autograd	5	7	11	Bank account.
MTS	30	5	21-25	business plan; pledge.
RosEvroBank	60	5	12-25	business plan; surety; pledge.
Sberbank	70	5-15	17-22	business plan; pledge.

Package of documents for obtaining a loan

To obtain a loan from a bank, the following package of documents is provided along with a business loan plan.

Significant amounts of money are required to develop a business, open new directions or start your own business. And it often turns out to be easier and more profitable to get a loan for a business plan than to withdraw money from circulation or, even more so, to try to accumulate it.

In our article today we will talk about how a “credit” business plan differs from a standard document of this kind, about its types and principles of preparation. In addition, we will talk about how to convince the bank of the success of a new business and, finally, get the necessary funds.

In what cases may a business plan be needed to obtain a loan?

A business plan is a kind of forecast that is built on the basis of the planned income and expenses of the enterprise as a result of the implementation of the project. not easy - you need to have a large amount of knowledge both in financial analysis, and in marketing.

As a rule, applying for loans to an organization does not require the borrower to present a prepared business plan. To make a decision, a credit analysis conducted on the basis of financial statements own specialists. However, there are situations when a bank may require a business plan to obtain a loan:

• The borrower needs a loan to open a new business. Banks provide such loans very rarely, and loan programs require the applicant to write a business plan. This policy is completely justified: since the borrower has no income from activities at the time of concluding the agreement, the bank wants to make sure of his solvency in the future. A professional business plan, which reflects even the slightest nuances of activity, is ideally suited for these purposes.
• When expanding an existing enterprise (for example, you plan to convert it into a factory). Since significant amounts of funds are required, the bank may request a business plan. This document will confirm that such investments will be effective.

Even if the bank does not request a business plan for a loan, presentation of this document will additional benefit borrower.

• At investment lending. By this, banks usually mean large investments in an enterprise (purchase of equipment, real estate, construction, etc.) with a long payback period. The loan term in this case is also quite long – up to 10-20 years.

Banking specialists do not have the necessary experience and qualifications to be able to evaluate investments in the shortest possible time, so a business plan for a loan is required. Having analyzed it, we can speak with high probability about the effectiveness of the project.

• It is planned to open a new direction in an existing business (or purchase a new business in the complex). Banks usually issue loans for a specific purpose - either the purchase of goods, or the purchase of equipment, transport, or real estate. Opening a business involves a large list of various expenses. To assess the validity and benefit, the bank requires the borrower to provide detailed business plan.

How to draw up a business plan for a loan - differences and features

Now let’s talk about how a “credit” business plan differs from a traditional one. Contrary to popular belief, there is a difference, and quite noticeable:

• The structure of the business plan remains unchanged - changes concern only the content.
• If you look at any sample business plan for obtaining a loan, you will notice that it presents information in a much more condensed form. Thus, the volume of the first sections is reduced, and the most important information about the product, competitive environment, etc. remains.

This is justified - after all, bank loan officers need to study information in a short time, so “extra” data is simply of no use.

• It is necessary to describe in detail what exactly the bank's borrowed funds will be spent on - this question will definitely arise.

Lending to enterprises is exclusively targeted, so the bank needs to know in advance what the money will be used for.

• Financial section turns out to be the most extensive. Here you need to indicate income and expenses not only for the business you are opening, but also for others, in order to justify the sources of funds to repay the loan.

When analyzing borrowers, banks use a conservative approach. This means that they minimize possible profits and are attentive to risks.

• The business plan must necessarily include a loan repayment schedule and interest on it in the expenditure part. A common mistake businesses make is “forgetting” about these expenses.
• If we are talking about an entrepreneur, then his personal expenses should also be included in financially- after all, they are, as a rule, made from the profit of the enterprise. The bank must be sure that the income will be enough to pay off all obligations.

There are a great many details and important nuances when drawing up a business plan for a loan, and each mistake leads to an extension of the application review period. Moreover, having noticed inconsistencies between different sections of the document, the bank may refuse to issue a loan altogether.

The ability of the business manager to defend the prepared business plan is also important. If responsible person does not understand this document, this is a wake-up call for the bank.

If you are planning to apply for a loan for an enterprise to open or expand a business, you should prepare for this issue in advance. This is especially true in cases where the bank requires a business plan from a potential borrower. We, in turn, offer a list of recommendations for preparing and filling out an application - this will help you speed up the consideration of a bank loan.

• Try not to resort to the services of third parties to write a business plan. Quite often, using the form proposed by the bank, the entrepreneur himself, his economist or accountant can draw up a decent justification for the loan.

Knowing the company's activities from the inside, you will be able to better explain the need for a bank loan and the benefits of it.

• If you do use the services of another organization, find out in advance whether the specialists have experience writing business plans for banks.
• All agreements ensuring the purpose of lending must be prepared in advance. The bank is much more loyal to a borrower who has already entered into preliminary agreements with sellers, tenants, and suppliers.
• The purpose of the loan must be secured not only by borrowed funds, but also by own funds.

If the share of your own investments is 20% or more, you will inspire confidence in the bank, since you are willing to risk your own funds.

• If you plan to attract a large and long-term loan, it is advisable to already be a client of the bank by that time. Ideally, the borrowing organization has already repaid several loans and earned a good reputation by the time of registration.
• Particular emphasis in the business plan should be placed on the financial part, especially on the forecast of benefits from investments.

In addition, be sure to describe how the loan will be repaid - it is advisable that before the launch of the project you have sufficient income for payments.

• Marketing plan Bank employees, as a rule, are considered superficially - the most important thing is that it does not contradict other sections.
• The person responsible for interaction with the bank (director, accountant) must carefully study the entire business plan for the loan before submitting the application. Only in this case is it possible to promptly answer questions that arise and provide the necessary documents.

Conclusion

Brief structure business plan for getting a loan

When applying for a bank loan for enterprises, most often only an application from the borrower and reporting is required - project analysis staff financial organization carried out independently. However, there are situations when a business plan for a loan is needed.

This work can be done on your own or entrusted to professionals who specialize in such documents. In any of these cases, you should understand the specifics of preparing and defending your application at the bank - this is what will be the key to a positive decision.

Dear readers! We will be grateful if you leave your ratings and comments about this article. Thus, you will help make the site even more interesting and better.

Business plan is a document in which the company:

• reflects comprehensive assessment development of your activity or project;
• analyzes the state of the market, consumer demands, as well as the level of competition;
• evaluates economic efficiency project.

Drawing up such a document is necessary, first of all, to build a project development strategy and attract additional financial resources.

Sources of financing for a business plan For example, commercial banks, venture funds, individuals, so-called business angels, grants in case of social significance, etc. can act.

To get a loan from the bank for a new created business or to implement a new investment project, a company or entrepreneur, in addition to other documents required to obtain a loan, must submit a business plan to the financial institution.

Business plan for obtaining a loan in the bank must be drawn up so that credit organisation I saw the development prospects and payback periods of the project, as well as how the company guarantees the return of borrowed funds. It reflects all the initial and current costs of the project, the activities that the organization plans to implement to achieve its goal.

It is worth noting that the bank is primarily interested in details regarding financial activities enterprise, namely the presence of liquid collateral or guarantors, whether the organization has a debt load, the speed of turnover of goods, the planned profit after the implementation of the project, etc. All this should be reflected in the business plan for obtaining a loan.

A business plan may include the following sections:

• General information about the company. It describes when and where the company was formed, its composition of owners and management, number of employees, etc.
• Current financial condition companies. An assessment is given to the main financial ratios liquidity, solvency, efficiency, profitability, etc.
• Description of the project. Here it is necessary to reflect both general information about the essence of the project and provide (for example, if we are talking about launching new products) a specific production and sales plan, including the time frame required for this. Turn on marketing research market (level of competition, analysis of the target consumer audience) and analysis of project risks.
• Financial plan of the project. This section reflects all income and expenses of the future project. The required volumes of investment in the project are calculated, which consist of the company’s own funds and borrowed funds attracted from the bank. More often financial institutions agree to become a source of financing for the business plan if their share in the cost of the project does not exceed 50% of total costs. Payback periods are important.

It is worth noting that many banks set their own requirements for drawing up a business plan, and this must be taken into account when developing it.

If a company does not have experience in drawing up a business plan for obtaining a loan, it can contact a specialized company involved in the preparation of such documents.