Done-for-you · SBA Loan Business Plan
Hand us your business details — we turn them into a complete, SBA-compliant business plan with 3–5 year financial projections, formatted the way U.S. bankers and SBA Preferred Lenders want to read it. For SBA 7(a), 504, Express, and Microloan applications.
One flat fee · One revision · No upsells or retainers
Written guarantee on timing and SBA fit — see
pricing
.
Done-for-you · U.S. small businesses & startups.
Turnaround
48 hours
Loan ceiling
$5,000,000
Encrypted checkout · First draft in 48 hours
Federal, state, and SBA-backed capital
Standard 7(a) program, per applicant
Refund-backed SLA
Real estate & equipment financing
What you're buying
No U.S. lender will underwrite an SBA 7(a), 504, or CAPLines loan above the small-loan threshold without a professional SBA loan business plan. It is the single document that tells the loan committee what the business is, how the money gets deployed, and — critically — how you repay the debt.
Get it right and your file moves to credit analysis in days. Get it wrong and you get bounced back for "insufficient documentation" — or worse, the lender declines and flags your file with credit bureaus. Most applicants only get one real shot at a given bank before reputation damage starts compounding.
Cost of this service
$399
SBA 7(a) loan (max)
$5,000,000
Wait if declined
~3–6 mo
Who this is for
You’re pursuing an SBA 7(a), 504, Express, or Microloan
All four programs require a written business plan once the loan request exceeds the small-loan threshold. We write to SBA SOP 50 10 and standard commercial-lender formatting.
You’re a U.S. for-profit small business or startup
Existing businesses (any age), franchise acquisitions, owner-occupied real estate, equipment purchases, working capital, partner buyouts, or refinancing of non-SBA debt.
You have clarity on loan amount and use of funds
Even a rough number is enough. We turn it into a defensible Sources & Uses table with realistic repayment math.
You want a lender-ready deliverable, not a pep talk
A structured plan with 3–5-year financials your banker can drop straight into underwriting — no formatting cleanup, no chasing you for projections.
You’re seeking equity / venture capital. We’ll be offering an Investor Business Plan separately — different document, different audience, different math.
You need a USCIS immigration business plan (E-2, L-1, EB-5). That is a separate product with specific evidentiary standards.
You want us to fabricate financials. We only build defensible pro-formas grounded in the assumptions you provide — inflated numbers get caught by underwriting.
You cannot provide intake materials in the next 24 hours. The 48-hour SLA starts when we have what we need.
What you get
We deliver a single document with every SBA-required section labeled, plus an editable Excel financial model your loan officer can drop straight into underwriting — no formatting cleanup, no chasing us for projections at 11pm the night before.
The 2-page "yes" the loan officer reads first
Business overview, loan amount, use of funds, and the repayment story. Built to pass the first read in a credit committee memo.
What the business is, who the customer is, how it runs
Company description, product or service line, market and competitive analysis, operations plan, and demographics/location analysis. Written to the depth a U.S. SBA Preferred Lender expects.
How you will grow, and who will run the plan
Go-to-market plan, sales strategy, marketing budget, org chart, founder and management team bios, advisors, and key staff roles. Every claim sized to the loan amount.
The numbers that make the loan underwritable
Full Excel model — Income Statement, Balance Sheet, Cash Flow, Break-Even Analysis, Sensitivity Layer, and Debt Service Coverage calculation. Assumptions documented inline so your banker can stress-test them.
How it works
Most clients go from "we need to apply for the SBA loan" to "plan sitting in our banker's inbox" in under a week.
Stripe checkout. You are billed once. The 48-hour SLA starts the moment we have your intake materials.
Loan amount, use of funds, a paragraph about the business, and whatever supporting materials you have (existing financials, website, franchise disclosure, appraisal). We send a 10-question intake form. Takes ~15 minutes.
Senior writer + dedicated financial analyst build a 25–35 page plan and the matching 3–5-year Excel model. We confirm anything we need within hours, then write and model.
Read the draft, run the numbers past your banker if helpful, send written feedback, get the revised version back within 24 hours. Most clients submit to the lender after this round.
Attach the plan + Excel model to your SBA application package. Your lender runs Form 1919, 1920, and credit analysis from there. Most decisions land inside 30–60 days.
What clients say
Names below are anonymized at our clients’ request. Loan amounts and outcomes (SBA 7(a), 504, Express, Microloan) are real.
"My banker wanted a plan and 3-year projections before she'd move the file to underwriting. I paid Friday, had the plan Monday morning, sent it to her that afternoon. 7(a) approved the following week."
"I had quotes from two SBA consultants at $4K and $6K with 2–3 week turnarounds. Got the same quality plan here for under $400 in 48 hours. My franchise approval was hanging on the loan; this saved the deal."
"The financial model was better than what our CPA put together. My loan officer at Live Oak said it was the cleanest package she'd seen in months. No extra documentation requests."
"Applied for a Microloan through a CDFI. My original plan got bounced. Paid FundUnlocked, they rebuilt it in two days with numbers that actually tied to my Shopify data. Approved within the week."
"We were buying an existing property and the seller's deadline was tight. They turned around a 30-page plan with full projections and debt-service coverage in 36 hours. Our PLP lender had the term sheet to us five days later."
"I tried writing it myself for two weekends and kept getting stuck on the financial projections. Paid here, got it done in 48 hours, and the cash-flow model was the best part — passed underwriting with zero revisions."
"Had been quoted 3 weeks by two of the big business-plan consultancies. Got a lender-ready plan here in two days for a tenth of the price. My banker emailed me 48 hours later asking who wrote it — apparently the projections were notably tight."
"Three generations in the business, first time applying for SBA. The writer understood our financials better than I did and explained the debt-service coverage so I could defend it to the loan committee. Funded first time."
Track record
10+ years of federal funding work, productized into a single 48-hour deliverable. Every figure below covers our full client portfolio — not a curated subset.
Non-dilutive capital across our team’s portfolio — SBA-backed, federal, state, and foundation.
SBA 7(a), 504, Express, Microloan, federal grants, and government bid responses shipped by our writers.
15+ senior writers and analysts, averaging 13 years of funding-application experience each.
81 verified client reviews, averaging 4.9/5 across all services.
SBA 504 goes up to $5.5M, Microloan up to $50,000. We write plans to the loan size and program you need.
Miss the 48-hour first-draft SLA, 100% refund. Miss the SBA-fit check, 100% refund. One-page guarantee you can paper-trail.
FundUnlocked vs. the alternatives
Here is how FundUnlocked stacks up against the four ways most small-business owners look for an SBA loan business plan. Every row is benchmarked against public pricing pages from Joorney, Wise Business Plans, Plan Writers, BPlanWriter, Growthink, and the big freelance marketplaces.
FundUnlocked
$399 flat · productized
$3K–$15K bespoke consultancies
Joorney, Wise BP, Growthink, Plan Writers
Upwork / Fiverr freelancers
Variable quality, contract-by-contract
AI-only tools
LivePlan, GrowthGrid, Bizplan
Speed red flag
10–12 business days is the norm for bespoke consultancies. That is 2–3 weeks between paying and sending anything to your banker — during which SBA rates and lender appetite can shift.
Quality red flag
AI-only plans miss lender formatting conventions and produce template-driven projections. Most SBA Preferred Lenders can spot a ChatGPT draft in 30 seconds — and they bounce the file.
48-hour first draft. One revision. Refund-backed SLA.
Pricing
No "get a custom quote." No discovery calls. No retainers. Click a plan, pay, and your writer starts drafting within the hour.
Joorney, Wise BP, Growthink, Plan Writers
$3,000–$15,000+ typical total
Still cheaper than
hiring a freelancer for 2 weeks.
Most SBA applicants
$399 USD · flat
Loan committee this week
$699 USD · flat
Standard · $399
Priority · $699
100% refund if we miss the 48-hour SLA
100% refund if we find SBA isn't the right fit
You own 100% of the plan + model from delivery
Full terms: Refund & guarantee policy .
Frequently asked questions
Ready when you are
That is the difference between closing this quarter and watching rates reset while your file sits on a consultant's desk. Click below, pay $399, and we start drafting tonight.
48-hour first draft · One revision · SLA in writing
SBA 7(a) underwrites up to $5,000,000, 504 up to $5.5M. Every week you wait is a week your competition might be closing their loan.