GoSBA Loans provides every client with a professionally prepared business plan and financial projections — completely free. This is a $2,500–$5,000 value that most borrowers pay out of pocket before they even know if their loan will be approved.
What You Get — At Zero Cost:
- ✅ Full SBA-ready business plan tailored to your acquisition or business
- ✅ 3-year financial projections built for lender underwriting
- ✅ Cash flow analysis and debt service coverage modeling
- ✅ Professional formatting that lenders expect to see
- ✅ Revisions included until your package is lender-ready
Why This Matters
Every SBA lender requires a business plan and financial projections as part of the loan package. Most borrowers face two options:
- Pay a third-party firm $2,500–$5,000+ to prepare these documents — before you even know if you’ll get approved
- Try to write it yourself and risk a weak package that gets declined
With GoSBA Loans, there’s a third option: we do it for you, for free.
Our team has prepared business plans and projections for over 126 closed loans totaling $320M+ in 2025. We know exactly what SBA lenders want to see, because we work with 50+ of them every day.
What’s Included in Your Free Business Plan
Executive Summary
A concise overview of the business, the acquisition or financing opportunity, and why the deal makes sense — written to grab a loan officer’s attention.
Business Description & Operations
Detailed breakdown of the business model, services, customer base, competitive advantages, and operational structure. For acquisitions, we highlight the stability and track record of the target business.
Market Analysis
Industry overview, market size, competitive landscape, and growth opportunities relevant to the business and its geography.
Management & Personnel
Your background, relevant experience, and the management team’s ability to operate and grow the business post-acquisition.
Financial Projections (3-Year)
This is where most business plans fail. Our projections are built specifically for SBA underwriting:
- Projected income statements — revenue, COGS, operating expenses, net income
- Cash flow projections — monthly for year 1, quarterly for years 2-3
- Debt service coverage ratio (DSCR) — the #1 metric lenders evaluate
- Break-even analysis — when the business covers all obligations
- SDE/EBITDA adjustments — properly documented addbacks that maximize your qualifying income
Use of Funds
Clear breakdown of how the SBA loan proceeds will be used — purchase price, working capital, equipment, renovations, or other business needs.
Why Other Brokers Don’t Offer This
Most SBA brokers and loan packagers don’t include business plan preparation because:
- It takes real expertise and time to do correctly
- They’d rather charge you for it (or send you to a paid service)
- They don’t have the deal volume to justify the investment
At GoSBA Loans, we include it because a strong business plan gets loans approved. And approved loans are how we get paid. Our incentives are 100% aligned with yours.
How It Works
- Contact us — Share your deal details (acquisition target, business type, loan amount needed)
- We build your package — Our team prepares your business plan, financial projections, and full SBA loan package
- We shop it to 50+ lenders — Your completed package goes out to our network to generate competing term sheets
- You choose the best offer — Compare multiple term sheets and pick the one that works for you
Total cost to you: $0. No deposits. No upfront fees. No exclusivity agreements.
Compare the Cost
| Service | Typical Cost | With GoSBA Loans |
|---|---|---|
| SBA Business Plan | $1,500–$3,000 | FREE |
| Financial Projections | $1,000–$2,500 | FREE |
| SBA Loan Brokering | $2,500–$15,000 upfront | FREE |
| Lender Shopping (50+ banks) | Not available DIY | FREE |
| Total | $5,000–$20,000+ | $0 |
Who Qualifies
Our free business plan and projections service is available to anyone working with GoSBA Loans on an SBA loan. This includes:
- Business acquisitions — buying an existing business with SBA 7(a) financing
- Partner buyouts — purchasing a partner’s share of an existing business
- Business expansions — expanding operations, adding locations, or major equipment purchases
- Commercial real estate — owner-occupied properties with SBA 504 or 7(a)
- Startup financing — new businesses with strong operator experience
Get Started Today
Stop paying thousands for business plans that may not even get your loan approved. Work with GoSBA Loans and get a professionally prepared, lender-ready business plan and financial projections — 100% free.
Ready to Get Your Free Business Plan?
Contact GoSBA Loans today. No deposits. No fees. No obligations.
GoSBA Loans has funded $320M+ across 126+ SBA loans in 2025. We work with 50+ SBA lenders nationwide to get you the best rates and terms — all at zero cost to you.
