SWFL Business Solutions

Business plans

A clear business plan you can use

Built with you by a tax and accounting professional, not filled in from a template. The plan explains the business in plain words, and the numbers are built from your real prices and costs, so they make sense to a lender, a partner and you.

Start the questionnaire See the packages

At a glance

Built with you by
William Spargur, EA, MBA, an Enrolled Agent in Bonita Springs
What you get
A polished PDF plan, plus the editable spreadsheet behind it
Packages
New plans from $1,500; updates from $500
Timing
Typically 2 to 3 weeks after the questionnaire is complete

Who it's for

  • Starting a business. Test the idea on paper before you sign a lease or buy equipment.
  • A bank or SBA loan. The plan and the projections lenders ask for, with the loan repayment laid out.
  • A grant. A written plan and budget for applications that ask for one.
  • A partner or a buyout. One shared picture of the business and its numbers before anyone signs.
  • Your own roadmap. Goals, costs and a break-even point to check the business against each month.

What's in the plan

Every plan covers the same ground, sized to your business. Each one is delivered as a polished PDF plus the editable spreadsheet, so you can update the numbers yourself.

  • Executive summary

    The whole plan on one page: the business, what it needs, and the case for it.

  • The business and its owners

    What you sell, how the business is set up, and the experience each owner brings.

  • Market and competitors

    Who your customers are and who else serves them, with a local Southwest Florida focus where it applies.

  • Marketing and sales

    How customers will find you, what you charge, and how the sales get made.

  • Operations and staffing

    Location, equipment, suppliers and hours, and who does the work as the business grows.

  • 3-year financial projection

    Sales, costs and profit month by month for the first year, then yearly for years two and three.

  • Cash flow

    When money comes in and goes out, so the slow months are planned for.

  • Break-even

    The sales it takes to cover your costs, and when the business should reach them.

  • Startup costs and use of funds

    What the money is for, where it comes from, and what the owners put in.

  • Loan repayment, for lenders

    The payment schedule, and how the business covers it from its cash flow.

  • A PDF and the spreadsheet

    A polished PDF to hand to a lender or partner, and the editable spreadsheet with every number behind it.

Packages

Each package is a set price, confirmed by email before any work starts.

Startup plan
For a new or young business: the full plan, the 3-year projection, cash flow, break-even and startup costs
$1,500
Loan-ready plan
For a bank or SBA loan: the full plan with the projections lenders ask for, the loan repayment picture, and a lender checklist of the documents they usually want
$3,500
Plan update
An existing plan brought up to date with new numbers, new goals or a new purpose; the price depends on how much has changed
from $500

Included in every package

The questionnaire, a short follow-up by email, a first draft, one round of changes, and the final PDF and spreadsheet.

Not sure which package fits? Say so in the questionnaire, and we'll suggest one with the price in our reply.

How it works

  1. The questionnaire

    Tell us about the business and what the plan is for. Rough numbers are fine.

  2. A short follow-up

    We send our questions by email. A call works too, if you prefer.

  3. First draft

    You get the draft plan and the spreadsheet to read through.

  4. One round of changes

    Send us everything you'd like changed in one list, and we make the changes.

  5. Final

    The finished PDF and the editable spreadsheet are yours.

Timing: typically 2 to 3 weeks after the questionnaire is complete. Have a lender's or grant deadline? Put it in the questionnaire, and our first reply will say whether we can meet it.

Good to know

  • Raising money from investors needs an attorney. Selling a share of the business to investors involves securities law, and the offering documents must come from an attorney. We prepare the business plan and the financials only.
  • Projections are estimates, not guarantees. They are built from your answers and stated assumptions, and actual results will differ.
  • The lender decides. A clear plan helps an application, but no plan can promise a loan or a grant.
  • Your numbers stay private. We use them for your plan and nothing else. A plan never needs Social Security or account numbers.

Questionnaire

Business plan questionnaire

Answer what you know now. Only the starred items are required, and rough numbers are fine; we ask about the rest by email.

What happens next

We read your answers and reply by email within one business day with our questions, the package that fits and its price.

Questions first? Email info@swflbusinesssolutions.com.

Please don't enter Social Security or ITIN numbers, bank or account numbers, or passwords. A business plan never needs them.

About you
The business
The plan
What is the plan for? Check all that apply
The people
The money

Sending opens your email program with your answers filled in. Press Send there to finish.