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Write a business plan
Download free business plan templates and find help and advice on how to write your business plan.
Business plan templates
Download a free business plan template on The Prince’s Trust website.
You can also download a free cash flow forecast template or a business plan template on the Start Up Loans website to help you manage your finances.
Business plan examples
Read example business plans on the Bplans website.
How to write a business plan
Get detailed information about how to write a business plan on the Start Up Donut website.
Why you need a business plan
A business plan is a written document that describes your business. It covers objectives, strategies, sales, marketing and financial forecasts.
A business plan helps you to:
- clarify your business idea
- spot potential problems
- set out your goals
- measure your progress
You’ll need a business plan if you want to secure investment or a loan from a bank. Read about the finance options available for businesses on the Business Finance Guide website.
It can also help to convince customers, suppliers and potential employees to support you.
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Free business plan template
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Doing a business plan will improve your idea. It helps you think about your business from different points of view. The process will flag up unseen risks, but also new opportunities. Aside from helping refine your idea, a business plan will move it forward. It’ll give you a concrete set of steps to go from ‘I should’ to ‘I did’.
One-page business plan template
Great for making a start
Helps you pin down the main idea
Easy to update as things evolve
Multi-page business plan template
Ideal for nailing down the details
Required by most investors and lenders
Good if you face big startup costs
Tips to help with your business plan
Don’t obsess over every detail to start with. That will make the plan long and hard to change. Keep it short and concise initially.
Financing your business
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- 1. What is a business plan?
- 2. Download: Free UK business plan template
- 3. Getting started on a business plan
- 4. How to structure a business plan step-by-step
- 5. What content should a business plan include?
- 6. UK business plan example 1: GreenTech Innovations
- 7. UK business plan example 2: EcoBoutique
- 8. UK business plan example 3: BizConsult Solutions
- 9. Business plan writing tips
You’ve got the brilliant business idea, you might have even started setting up or running your business, but writing a business plan and creating business proposals are vital for the launch and growth of any venture. It’s a document where you can organise all your ideas, create a company description, make sure that you’ve considered and researched everything, and ultimately decide that the business is viable. Commitment to making a business plan is a commitment to the business. Read our guide and download your free business plan template.
What is a business plan?
A business plan is a document that details all the future plans and predictions for your business. It will explain your ideas, map out how they’ll be put into practice and provide relevant information and facts including the business details, management plan, operating plan, marketing and sales strategy , financial projections, and operational and team specifics.
A business plan is essential in helping you:
Put some meat on the bones of your initial idea, start your business plan outline, calculate your startup costs, and research if your business is realistic and viable. | |
Use your plan to secure startup funds, decide what marketing and sales channels you’ll use and plan what order you need to do things in. | |
Who will take care of the day-to-day running of the business and run the company profile, are you legally compliant, do you need assets, equipment and employees? | |
Look ahead to your medium to long-term sales projections and what you’ll need in place (for example, funding, a larger team, equipment and premises) to make this happen. Compare to other success stories. |
The business plan is a living, working document that should be read and reviewed regularly. If there are multiple directors or partners in the business then they should all be in agreement with what the plan outlines, the detailed information in the plan, and what is written in the plan. You will also need to share it with potential investors. The business plan will formalise all the ideas and assumptions, keep you focused, and ensure that everyone is on the same page.
How long writing your business plan should take will depend on your business size, the complexities of it and what stage you’re at. The most important thing is that it’s user-friendly and doesn’t include any waffle. Get straight to the nitty-gritty so that your stakeholders are engaged when reading it and so that you are more likely to use and update it regularly. Your business plan will probably cover the first three to five years. It’s important to include all the right information (see the checklist below) but it’s not a document to spend too long on. It’s more important that you are spending time running the business.
There are lots of business plan examples out there but typically yours should include:
- What your business will do
- The business structure and operations
- Team members and their expertise
- Market analysis to see current and projected state of the market and industry
- How your business will sell and market
- Startup costs and funding required
- Financial projections
- Legal requirements
Writing a business plan will allow you to take a step back and look at the business more objectively, predicting potential issues in advance, such as financial forecasts, and coming up with solutions or a shift in how you originally thought that you would do something.
Download: Free UK business plan template
We want to take the stress out of writing a business plan. Our free downloadable UK business plan template will guide you on everything you need to include and get your business primed for success.
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Getting started on a business plan
Before you begin to make your business plan, keep these three things at the forefront of your mind.
Focus on what makes you unique
Be creative with your plan, shout about your unique selling proposition (USPs) and what makes you different. Represent your brand using language and visuals, and talk about why you and your team are best to run this business.
Don’t over complicate it
Keep it concise so that you can get on with running the business and so the business plan is an easily readable and usable document. Too much detail in the plan can become confusing.
Be realistic and honest
The business plan will give you an indication of where you’re supposed to be. Review it every few months, update it as you go and change your activities in line with it. It will be impossible for you to predict everything so just give it your best shot and be prepared to be flexible.
How to structure a business plan step-by-step
The business plan should follow this format with these six sections.
You must be logged in to use this checklist
The executive summary should always be written last. Think of it as a one-pager giving an overview of all the best bits of your plan. If the executive summary doesn’t captivate and interest the reader then it’s unlikely that they will read the rest of your plan.
Describe your what, where, who and why - including your product/service, brand, location, business model and size.
This section will involve the most amount of research as you study the current and projected conditions of the market and the industry, and look at what your competition is doing , before making your own marketing plans .
Explain the experience, skills and credentials of all the people involved. Why are they the right people to make this a success?
Detail your required facilities, premises, systems and software.
This section translates everything into numbers - your startup and running costs, funding , revenue projections with a cash flow forecast .
What content should a business plan include?
Take a look at these business plan sections in more detail to see examples of the sort of details you should include, depending on your type of business. In the next section, we’ve used this framework to create some UK business plan examples featuring three fictional small businesses.
1. The executive summary
Give a topline description of:
- In the most basic terms, what is the business? Is it a product or service? What does it do and how?
- Why is there a need for this business?
- What does this business do better than similar existing businesses?
- What experience or skills do you have that will help make this business a success?
- How will it make money?
- Who will your customers be?
- Who are your main competitors?
- How will people find out about you?
- What is the opportunity for investors?
2. Business details and description
- Describe your what, where, who and why – including your product/service, brand, location, business model and size.
- Food (lunch / dinner)
- Private hire for meetings / parties / events
- Putting on own events (music, comedy)
- Classes (e.g. cocktail making)
- What will the legal structure of your company be (LTD, PLC, sole trader, partnership, charity, social enterprise)?
3. Marketing and sales strategy
You can include your gut instincts about the market here and what you know, but be sure to also back this up with evidence and research. | |
? | |
4. Management and employees
- Who will make up your team and what relevant skills and experience do they have?
- Do you need to employ people?
- What friends/family/business contacts do you have with skills that might be able to help you (preferably for free)?
- Do you need to outsource anything?
5. Operational set up
- What premises do you need? Where will they be? Where will you work from?
- What assets/tools do you require (and which of these do you already have)?
- Are there any licences that you require? Any other legal considerations?
6. Financial plan and projections
UK business plan example 1: GreenTech Innovations
1. executive summary.
GreenTech Innovations is a tech startup developing advanced solar panel technology that increases energy efficiency by 20%. This business addresses the growing demand for affordable and sustainable energy solutions. We stand out with our patented technology and a team of experienced professionals. Our revenue model includes direct sales to consumers and partnerships with energy companies. Our customers are environmentally conscious homeowners and businesses. Competitors include SolarCity and SunPower, but our superior technology and lower costs offer a competitive edge. We will use digital marketing and industry trade shows to gain visibility.
GreenTech Innovations, based in London, specializes in renewable energy products. Our core product is an innovative solar panel with higher efficiency and lower costs. Revenue streams include direct sales, energy company partnerships, and government contracts. We are structured as an LTD company.
Products/services/revenue streams:
- High-efficiency solar panels
- Installation services
- Maintenance contracts
- Licensing our technology to other manufacturers
- Government and commercial contracts
Market conditions and competition: The renewable energy market is growing, driven by environmental concerns and government incentives. Competitors like SolarCity market themselves as premium providers; we will differentiate by offering better technology at a lower price. The UK market spends billions on renewable energy annually, with strong demand forecasted.
Target market: Our target market includes environmentally conscious homeowners and businesses. Ideal customers are tech-savvy, value sustainability, and are looking for long-term savings on energy costs.
The brand: Our brand stands for innovation and sustainability. Our mission is to make renewable energy accessible and affordable. We will communicate through a professional, approachable tone and prioritize customer education.
Sales and marketing plan:
- Website with e-commerce capabilities
- Social media campaigns
- SEO and PPC advertising
- Email marketing
- Partnerships with green energy advocacy groups
- Presence at trade shows and industry conferences
Our team includes Dr. Jane Smith (CEO), a solar energy expert with 20 years of experience, and John Doe (CTO), who holds several patents in solar technology. We plan to hire additional engineers, marketing professionals, and sales staff. Some tasks, such as legal and accounting, will be outsourced.
We need a manufacturing facility in London, equipped with state-of-the-art machinery for solar panel production. Our office will house our R&D lab, administrative offices, and logistics team. Necessary licenses include manufacturing and environmental permits.
6. Financial plan and projections costs:
- Manufacturing equipment: £500,000
- Initial inventory: £200,000
- Facility lease: £100,000/year
- Staff salaries: £300,000/year
- Marketing: £100,000
Startup finance: We seek £1 million in funding through equity investment and government grants.
Pricing: Our solar panels will be priced competitively at £500 per unit, with a 30% profit margin.
Projected accounts:
- Year 1: Revenue £2 million, Profit £400,000
- Year 2: Revenue £4 million, Profit £1 million
- Year 3: Revenue £8 million, Profit £2.5 million
UK business plan example 2: EcoBoutique
EcoBoutique is a sustainable fashion retailer offering eco-friendly clothing and accessories. Addressing the rising demand for ethical fashion, we differentiate ourselves with unique designs and fair-trade practices. Our team, led by experienced fashion designer Emma Green, will operate from a flagship store in Manchester and an online platform. Our revenue model includes direct sales and partnerships. Our target customers are environmentally conscious consumers. Competitors include other sustainable fashion brands, but our commitment to quality and ethical sourcing sets us apart. We seek £500,000 in funding to establish our store and marketing efforts, promising growth and strong returns.
EcoBoutique, located in Manchester, sells sustainable clothing and accessories. Revenue streams include in-store and online sales, private events, and wholesale partnerships. The company will be structured as an LTD.
- Sustainable clothing (organic cotton, recycled materials)
- Accessories (bags, jewelry)
- Private hire for fashion events
- Online store
- Wholesale to other retailers
Market conditions and competition: The sustainable fashion market is expanding rapidly. Competitors like Patagonia and People Tree use online marketing and brand loyalty strategies. The UK fashion industry sees significant consumer spending, with growing interest in sustainable options.
Target market: Our ideal customers are eco-conscious individuals aged 20-40, interested in fashion and sustainability.
The brand: EcoBoutique stands for ethical fashion and sustainability. Our mission is to provide stylish, eco-friendly clothing. We will use a friendly, informative tone and emphasize our commitment to fair trade.
- Website with e-commerce and blog
- Social media and influencer partnerships
- Email newsletters
- Community events and pop-up shops
- Print advertising in eco-friendly magazines
Our team includes founder Emma Green, a fashion designer with a background in sustainability, and Liam Brown, our marketing manager with extensive retail experience. We will hire sales associates and an e-commerce manager. Some services, such as accounting and web development, will be outsourced.
We need a retail space in Manchester, designed with sustainable materials, and an e-commerce platform. Licenses required include retail and health & safety permits.
- Store renovation: £200,000
- Inventory: £100,000
- Marketing: £50,000
- Staff salaries: £150,000/year
- E-commerce platform: £50,000
Startup finance: We seek £500,000 through a combination of loans, personal investment, and crowdfunding.
Pricing: Clothing items priced between £30-£150, with a 40% profit margin.
- Year 1: Revenue £1 million, Profit £150,000
- Year 2: Revenue £1.5 million, Profit £300,000
- Year 3: Revenue £2 million, Profit £500,000
UK business plan example 3: BizConsult Solutions
BizConsult Solutions is a consulting firm offering business strategy and digital transformation services for SMEs. We address the need for modern, tech-savvy business solutions in a competitive market. Our experienced team, led by Sarah Lee, specializes in helping businesses innovate and grow. We generate revenue through consulting fees, workshops, and retainer agreements. Our target customers are SMEs across various industries. Competitors include larger consulting firms, but our focus on SMEs and personalized service sets us apart. We will use content marketing and networking to attract clients. We seek £300,000 in funding to establish our office and marketing activities, promising steady growth and high returns.
BizConsult Solutions, based in Birmingham, offers consulting services in strategy and digital transformation. Revenue streams include hourly consulting fees, retainer agreements, and workshops. The company will be structured as an LTD.
- Business strategy consulting
- Digital transformation services
- Workshops and training sessions
- Retainer agreements for ongoing support
Market conditions and competition: The consulting market is competitive, with demand for digital transformation services rising. Competitors include large firms like McKinsey and Deloitte, but they primarily target larger enterprises. We focus on SMEs, offering affordable, high-quality services.
Target market: Our target market is SMEs in various sectors, seeking to modernize their operations and strategies.
The brand: BizConsult Solutions is innovative and client-focused. Our mission is to empower SMEs to thrive through strategic and technological advancements. We will communicate through a professional and approachable tone.
- Professional website with case studies and testimonials
- Content marketing (blogs, whitepapers)
- Webinars and online courses
- Networking events and industry conferences
- Email marketing and LinkedIn outreach
Our team includes Sarah Lee (CEO), with 10 years of consulting experience, and Michael O’Connor (CTO), an expert in digital transformation. We will hire additional consultants and administrative staff as needed. We will outsource web development and legal services.
We need an office in Birmingham, equipped with meeting rooms and collaborative workspaces. Essential tools include project management software and CRM systems. Required licenses include business operation permits.
- Office setup: £100,000
- Technology and software: £50,000
Startup finance: We seek £300,000 through a combination of bank loans and private investment.
Pricing: Consulting fees range from £100-£300 per hour, with retainer packages starting at £2,000 per month.
- Year 1: Revenue £500,000, Profit £100,000
- Year 2: Revenue £750,000, Profit £200,000
- Year 3: Revenue £1 million, Profit £350,000
Business plan writing tips
Writing a business plan can take some time and some areas of the plan will be easier to tackle than others.
- Make initial notes every time you think of something and don’t worry if you can’t cover all points at the start.
- When you are ready to start to write the plan, make sure you use sections and these are in a logical order.
- It is important that your plan is simple, accurate and easy to follow if you are going to ask others to look at it.
- Try to avoid jargon or terms that only people in your type of industry will understand.
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Free Simple Business Plan Template
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Your business plan is the document that adds structure to your proposal and helps you focus your objectives on an achievable and realistic target. It should cover every aspect of what your business journey will look like, from licensing and revenue, to competitor and sector analysis.
Writing a business plan doesn’t need to be a difficult process, but it should take at least a month to be done properly.
In today’s capricious business climate there’s a lot to consider, such as the impact of political challenges like Brexit. These details are especially important in today’s bad economy. Investors are looking for entrepreneurs who are aware of the challenges ahead and how to properly plan for them.
Below, you’ll find everything you need to create a concise, specific and authoritative business plan. So let’s get started turning your idea into a reality!
Click here to download your free Business Plan template PDF – you can fill in your own details and those of your business, its target market, your customers, competitors and your vision for growth.
![business plan template uk sage monday.com-logo](https://images.startups.co.uk/wp-content/uploads/2021/07/monday-com-logo-64x64.png?width=64&height=64&fit=crop)
Our below guide will give you detailed advice on how to write a quality business plan, and our PDF download above can give you a clear template to work through.
But, creating an effective business plan needs….planning! That’s where a high quality planning tool can help.
![business plan template uk sage monday.com business plan template](https://images.startups.co.uk/wp-content/uploads/2018/02/monday.com-business-plan-template.png)
We recommend creating an account with monday to use this tool – there’s even a free trial . Doing so means you can start your entrepreneurial journey on the right foot.
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What to include in your business plan template
There’s a lot of information online about how to write a business plan – making it a confusing task to work out what is and isn’t good advice.
We’re here to cut through the noise by telling you exactly what you need to include for a business plan that will satisfy stakeholders and help develop a key identity for your brand. By the end, you’ll have a plan to make even Alan Sugar proud and can get started with the most exciting part – running your business.
Throughout this guide, we’ve featured an example business plan template for a new restaurant opening in Birmingham called ‘The Plew’. In each section, you’ll be able to see what the contents we’re describing would look like in a ‘real-life’ document.
![business plan template uk sage Cover Page](https://images.startups.co.uk/wp-content/uploads/2018/02/Cover-Page-1-e1686072675428.png)
What to include in your business plan:
- Executive Summary
- Personal summary
- Business idea
- Your product or service
- Market analysis
- Competitor analysis
- Cash forecast
- Operations and logistics
- Backup plan
- Top tips for writing a business plan
- Business plan template UK FAQs
1. Executive summary
This section is a summary of your entire business plan. Because of this, it is a good idea to write it at the end of your plan, not the beginning.
Just as with the overall business plan, the executive summary should be clearly written and powerfully persuasive, yet it should balance sales talk with realism in order to be convincing. It should be no more than 1,000 words.
It should cover:
- Mission statement – what is your company’s purpose?
- Business idea and opportunity – what unique selling point (USP) will you provide?
- Business model – how will your business operate?
- Business objectives – what are you aiming to achieve?
- Target market – who is your customer base?
- Management team – who are the owners/senior staff?
- Competition – who are you competing against?
- Financial summary – can you prove the business will be profitable?
- Marketing strategy – what is your marketing plan and associated costs?
- Timeline – how long will it take to launch/grow your new business?
It sounds like a lot – but don’t feel you have to spend hours putting this together. Here’s what the above information for an executive summary might look like when put into our example business plan template for ‘The Plew’:
![business plan template uk sage Example of an executive summary in a business plan for a Birmingham restaurant called 'The Plew'](https://images.startups.co.uk/wp-content/uploads/2018/02/Executive-Summary-2.png)
Startups’ business plan template example: executive summary
2. Personal summary
Investors want to know who they’re investing in, as much as what. This is where you tell people who you are, and why you’re starting your business.
Outline your general contact details first, giving your telephone number, email address, website or portfolio, and any professional social media profiles you might have.
Run through this checklist to tell the reader more about yourself, and put your business ambitions into context.
- What skills/qualifications do you have?
- What are you passionate about?
- What is/are your area(s) of industry expertise?
- Why do you want to run your own business?
Here’s what our two fictional co-founders of ‘The Plew’ might write in their personal summaries for our example business plan. CEO Gabrielle Shelby, has highlighted her expertise in the restaurant industry, while CFO Freya Moore outlines her accounting and finance knowledge.
![business plan template uk sage Example of a personal summary in a business plan for a Birmingham restaurant called 'The Plew'](https://images.startups.co.uk/wp-content/uploads/2018/02/Leadership-Organization-e1686072800935.png)
Startups’ business plan template example: personal summary
Richard Osborne, founder and CEO of UK Business Forums, says personality is important in a business plan.
“Having a strong, personal reason at the heart of your business model will help keep you going and give you the motivation to carry on,” he affirms.
3. Business idea
This section is essentially to offer a general outline of what your business idea is, and why it brings something new to the market.
Here, you should include your general company details, such as your business name and a one-line summary of your business idea known as an elevator pitch. This section should also list a few key business objectives to show how you plan to scale over the next 1-3 years.
We also recommend carrying out a SWOT analysis to tell investors what the strengths, weaknesses, opportunities, and threats are for your business idea. Think about:
- Strengths: ie. why is this a good time to enter the sector?
- Weaknesses: ie. what market challenges might you encounter?
- Opportunities: ie. what demand is your product/service meeting in today’s market?
- Threats: ie. how will the business be financed to maintain liquidity?
In the template below, you can see a breakdown of the above information for ‘The Plew’. At the top is its mission statement: “to craft an unforgettable dining experience in a chic atmosphere.”
![business plan template uk sage Example of a business description in a business plan for a Birmingham restaurant called 'The Plew'](https://images.startups.co.uk/wp-content/uploads/2018/02/Business-Description-e1686072782369.png)
Startups’ business plan template example: business idea
Need a business idea? We’ve crunched the numbers and come up with a list of the best business ideas for startup success in 2023 based on today’s most popular and growing industries.
4. Your products or services
Now it’s time to explain what you are selling to customers and how will you produce your sales offering.
Use this section to answer all of the below questions and explain what you plan to sell and how. Just like your business idea outline, your answers should be concise and declarative.
- What product(s) or service(s) will you sell?
- Do you plan to offer new products or services in the future?
- How much does the product or service cost to produce/deliver?
- What is your pricing strategy ?
- What sales channels will you use?
- Are there legal requirements to start this business?
- What about insurance requirements?
- What is the growth potential for the product or service?
- What are the challenges? eg. if you’re looking to sell abroad, acknowledge the potential delays caused by post-Brexit regulations.
What insurance and licensing requirements do you need to consider?
Depending on what your business offers, you might need to invest in insurance or licensing. Our How To Start guides have more details about sector-specific insurance or licensing.
Public Liability, Professional Indemnity, and Employers’ Liability are the most well-known types of business insurance. We’ve listed some other common other licensing and insurance requirements below:
Common insurance requirements: | Common license requirements: |
---|---|
Income Protection insurance Critical Illness insurance Life Cover insurance Office or Home insurance Automobile insurance | Health and Safety licensing Food Hygiene and Safety licensing Intellectual Property licensing Copyrights licensing Patent licensing |
In our example product/service page for ‘The Plew”s business plan, the founders choose to separate this information into multiple pages. Below, they outline their cost and pricing, as well as sales strategy. But they also include an example menu, to offer something a bit more unique and tantalising to the reader:
![business plan template uk sage Example of an product / service page in a business plan for a Birmingham restaurant called 'The Plew'](https://images.startups.co.uk/wp-content/uploads/2018/02/Product-List-1-e1686074431482.png)
Startups’ business plan template example: product list and pricing strategy
5. Market analysis
This section demonstrates your understanding of the market you are entering, and any challenges you will likely face when trying to establish your company.
This section pulls all of your target market and customer research together to indicate to stakeholders that you are knowledgable about the sector and how to succeed in it.
- Who is your typical customer and where are they are based? Describe the profile of your expected customers eg. average age, location, budget, interests, etc.
- How many customers will your business reach? Outline the size of your market, and the share of the market that your business can reach.
- Have you sold any products/services to customers already? If yes, describe these sales. If no, have people expressed interest in buying your products or services?
- What have you learned about the market from desk-based research? What are the industry’s current challenges, and how has it been affected by the economic downturn?
- What have you learned about the market from field research? (eg. feedback from market testing like customer questionnaires or focus group feedback).
What is your marketing strategy?
Once you’ve highlighted who your rivals are in the market, you can provide details on how you plan to stand out from them through your marketing strategy. Outline your business’ USP, your current marketing strategy, and any associated advertising costs.
‘The Plew’ identifies its target audience as young, adventurous people in their mid-30s. Because of the restaurant’s premium service offering, its audience works in a well-paid sector like tech:
![business plan template uk sage Startups' example: market analysis in a business plan](https://images.startups.co.uk/wp-content/uploads/2018/02/Market-Analysis-e1686072857670.png)
Startups’ business plan template example: customer analysis
6. Competitor analysis
This section demonstrates how well you know the key players and rivals in the industry. It should show the research you have carried out in a table format.
Begin by listing the key information about your competitors. Don’t worry about sounding too critical, or too positive. Try to prioritise accuracy above all else.
- Business size
- Product/service offering
- Sales channels
- Strengths/weaknesses
Competitors will take two forms, either direct or indirect. Direct competitors sell the same or similar products or services. Indirect competitors sell substitute or alternative products or services.
Here’s a breakdown of the strengths, weaknesses, and opportunities, and threats presented by a competitor restaurant for ‘The Plew’ called Eateria 24. At the bottom, the founders have written what learnings they can take from the chart.
![business plan template uk sage Startups' example: competitor analysis in a business plan](https://images.startups.co.uk/wp-content/uploads/2018/02/Competitor-Analysis-e1686072889574.png)
Startups’ business plan template example: competitor analysis
Check out our list of the top competitor analysis templates to download free resources for your business, plus advice on what to include and how to get started.
7. Cash forecast
Outline your financial outlook including how much you expect to spend, and make, in your first year
All of your considered costs can be put into one easy-to-read document called a monthly cash forecast. Cash forecasts contain:
1. Incoming costs such as sales revenue, customer account fees, or funding.
2. Outgoing costs such as staff wages or operating expenses. The latter can cover everything from advertising costs to office supplies.
For those firms which have already started trading, include any previous year’s accounts (up to three years) as well as details of any outstanding loans or assets.
Annual cash forecast: what is it?
By conducting 12 monthly cash forecasts, you can create an annual cash forecast to work out when your company will become profitable (also known as breakeven analysis) . You will break even when total incoming costs = total outgoing costs.
In your annual cost budget, make sure to also include month opening/closing balance. This is important to monitor for accounting, particularly for year-end.
- Opening balance = the amount of cash at the beginning of the month
- Closing balance = the amount of cash at the end of the month
The opening balance of any month will always be the same as the closing balance of the previous month. If you are repeatedly opening months with a negative closing balance, you need to adjust your spending. Here’s an example of what ‘The Plew’s financials might look like in its first year of operation:
![business plan template uk sage Example of an cash forecast in a business plan for a Birmingham restaurant called 'The Plew'](https://images.startups.co.uk/wp-content/uploads/2018/02/Financial-Plan-e1686072915551.png)
Startups’ business plan template example: cash forecast
8. Operations and logistics
Explain how your day-to-day business activities will be run, including key business partnerships around production and delivery.
A.) Production
List all of the behind the scenes information about how your business will operate. Include:
- Management team – who do you plan to hire as senior staff and why?
- Premises – where will you be based? What will be the cost?
- Materials – what materials/equipment will you need to make your product/service?
- Staffing – how many employees will you hire? How much will they cost?
- Insurance – what insurance do you need for production?
B.) Delivery
Detail how your customers will receive your product or service. Include:
- Distribution – how will you sell your product to customers?
- Transport – how will you transport the product/service to customers or partners?
- Insurance – what insurance do you need for delivery?
C.) Supplier analysis
Lastly, you should carry out a supplier analysis. Write down 2-3 suppliers you plan to use as part of your business operations and evaluate them on factors like location and pricing.
In our example business plan for ‘The Plew’, the founders have chosen to present this information in an easily-digestible chart, breaking down the leadership and employees into two different areas: product development and operations.
![business plan template uk sage Example of a page showing staffing information in a business plan for a Birmingham restaurant called 'The Plew'](https://images.startups.co.uk/wp-content/uploads/2018/02/Restaurant-Business-Plan-in-Red-Pink-Color-Blocks-Style-Presentation-43-e1686073137353.png)
Startups’ business plan template example: staffing section
9. Backup plan
Explain how you will manage any surprise losses if your cash forecast does not go to plan.
In the event that your business does not go to plan, there will be costs to incur. A backup plan outlines to potential investors how you will pay back any outstanding loans or debt.
In the short-term:
If your cash-flow temporarily stalls, what steps could you take to quickly raise money or make savings? For example, by negotiating shorter payment terms with your customers.
In the long-term:
If you’ve noticed a drop in sales that seems to be persisting, what changes can you make that would improve cash flow longer term? For example, can you do more of your business online to reduce rent fees?
To placate investors even further, it’s a good idea to include details about potential support channels you can utilise (eg. a business network or contact) who might be able to help if you get caught in a sticky cash-flow situation.
Startups’ 5 top tips for writing a business plan
- Keep your predictions realistic. Your business plan should showcase your knowledge of the sector and what’s achievable. It’s not about impressing investors with big numbers or meaningless buzzwords.
- Don’t go over 15 pages. Business plans should be engaging, which means sticking to the point and avoiding a lot of long-winded sentences. Keep your executive summary to less than 1,000 words, for example.
- End with supporting documents. Use your appendix to include product diagrams or detailed research findings if these are helpful to your business case.
- Get a second pair of eyes. Everyone misses a spelling error or two – invite a trusted business contact or associate to look over your business plan before you send it anywhere.
- Leave enough time to write! It’s exciting to think about getting your business up and running – but planning is an important step that can’t be rushed over. Spend at least a month on writing to get all the details correct and laid-out.
At Startups.co.uk, we’re here to help small UK businesses to get started, grow and succeed. We have practical resources for helping new businesses get off the ground – use the tool below to get started today.
What Does Your Business Need Help With?
Designing a business plan is very important for laying the foundation of your business. Ensure you spend an appropriate amount of time filling it out, as it could save you many headaches further down the line.
Once your plan is complete, you’ll then be ready to look at other aspects of business set-up, such as registering your company. Sound daunting? Don’t worry!
Our experts have pulled together a simple, comprehensive guide on How to Start a Business in 2024, which will tell you everything you need to know to put your new plan into action.
- Can I write a business plan myself? Absolutely! There are plenty of resources available to help, but the truth is a business plan needs to reflect the owner's personal ambitions and passion - which is why entrepreneurs are best-placed to write their own.
- How long should a business plan be? We recommend your business plan is kept to a maximum of 15 pages. Keep it short and concise - your executive summary, for example, should be no more than 1,000 words.
- Is it OK to copy a business plan? While not technically illegal, copying a business plan will leave you in a poor position to attract investment. Customising your plan to your unique business idea and industry specialism is the best way to persuade stakeholders that you have a winning startup formula.
Startups.co.uk is reader-supported. If you make a purchase through the links on our site, we may earn a commission from the retailers of the products we have reviewed. This helps Startups.co.uk to provide free reviews for our readers. It has no additional cost to you, and never affects the editorial independence of our reviews.
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4 Free Business Plan Templates: Where to find them and what you get
![business plan template uk sage Business Plan Templates to Download](https://www.thecompanywarehouse.co.uk/blog/wp-content/uploads/2012/06/business-plan.jpg)
While some people argue about whether you need a business plan to be successful, you almost certainly will need one when opening bank accounts and seeking funding. Fortunately there are some good free business plan templates and advice online. Here we will review 4 of the best covering what you get and where to find them.
1) Gov.uk – The ‘write a business plan’ page of the UK government’s website includes advice and a selection of different business plan templates so you can select which one is best for your business.
2) The Prince’s Trust – Although The Prince’s Trust specialise in supporting young people their business plan template is available to anyone. At 16 pages it is substantially shorter than the one from Business Link and is less formal in tone. The Prince’s Trust plan also goes into more depth on the logistics of how the company is going to work and the reasons for starting it up.
3) Microsoft Word – Microsoft have a start-up business template which you can download. When you open it up in word it runs to 28 pages and is full of questions, advice and points to consider. Compared to The Princes Trust and Business Link plans it is a lot more text heavy and takes some reading. It is also a lot more focussed on the financials of the company than the other two plans, concentrating on accounts payable, pricing and other financial planning considerations.
4) Your Bank – One of the main reasons people do a business plan is because their bank asks them to. If this is your motivation then it makes sense to use a template your bank will like. Our business banking partners HSBC have a business plan tool, Natwest have an online form and Barclay’s offer plenty of advice . Many of the other main UK banks also have templates or advice online. Using the bank’s own forms should mean that you tick all of the boxes and answer all of the questions they are likely to be looking at which can only help make your meeting go more smoothly.
Whichever template you choose it is important that you invest the time to get your plan right before you try to use it. Most of these plans require you to do a considerable amount of research into your target market, customers and competitors. Don’t leave it until the night before your bank meeting to get it done!
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Business Planning Templates
The first step in planning your business venture, clarifying your ideas, aims and objectives, is to write a business plan.
Your plan is an essential document to ensure your ideas are feasible and is critical for banks. In addition, new suppliers and larger customers may require this document for credit checks. It's also helpful to track progress against your original targets.
Writing Your Business Plan - Downloads
We have three templates you can use to do your business plan kindly offered by SCORE and Bank of Scotland. There are two for preparing the narrative of your plan (One for a startup business and the other for an existing business) and a cash flow template.
- Template for startup businesses: pdf startup template .
- Template for existing businesses: pdf existing business template .
- Financial planning spreadsheet for startup businesses: Excel financial plan template .
These free business plan templates can help you quickly write a business plan. First, you can download the templates as Adobe PDF files to your computer. Then, you can click each of the template links below to open now or right click your mouse to save for later use.
Basic Outline
A basic business plan outlines the answers to questions about your intentions, such as:
- Is there a demand for your products?
- How are you defining your customer demographics?
- What are your explicit strengths and weaknesses?
- Can you mitigate threats and exploit new market opportunities?
- Are your competitors aggressive or passive?
- Have you assigned key employees to your tactical plans?
- How robust are your financial plans?
Structure of Business Plans
Here's the basic structure in summary from the downloads above:
Executive Summary
It's best to write this section last after you've prepared the rest of your plan because this is simply a summary of the whole plan. It should ideally be one page, but two pages are equally acceptable.
Business Purpose
This area covers the fundamentals of your business, including:
- Mission statement
- Company goals and objectives
- Business philosophy
- The industry you're in
- Legal ownership and key employees
Products and Services
Describe your key products, services, pricing strategy and margins.
Marketing Plan
Detail your marketing activities, including market research, market trends, market size, external market economics, and barriers to entry. As your market is made up of customers, describe their characteristics.
You also need detailed information about your competitors and why you'll be able to take market share from them. And finally, you'll need information about your promotional activities to reach out and entice your potential customers to purchase your products.
Operations Plans
This part describes how you're going to produce your products together with distribution methods to get products to your customers and your wholesale suppliers.
Management and Staff
People are behind all successful businesses, so including the key people and advisors is essential.
Startup Costs Budget
If you're starting a new business, you should detail the costs you'll incur while starting up before the day to day operations commence. For most companies, this is the amount they'll need initial funding for to begin trading.
Financial Plans
Your financial plans should contain enough detail (i.e., monthly) for the first year, then quarterly or yearly for the following two years. You should include a profit and loss account, a cash flow forecast and a Balance Sheet together with a break-even analysis.
Additional Business Planning Help
Use the following sites to get additional business planning templates to assist starting your business.
- Teneric planning templates
- Check your startup costs
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> Whole Business Model on One Page
> business model canvas, what is a business plan template, how to make a business plan template, what is the format of a business plan, what is the process of business planning, what needs to be included in a business plan, what are the key elements of a business plan.
- 1. Business overview
- 2. Executive summary
- 3. Market analysis
- 4. Organizational and management plans
- 5. Marketing strategies and sales plans
- 6. Product line
- 7. Financial details
- 8. Team description
How to Write a Business Plan Step by Step?
- 1. First things first, conduct an extensive research of the industry and the market to get a clear picture of what you are getting into and the kind of costs you will have to incur.
- 2. Start by writing a summary of your business plan like what it offers, its benefits etc.
- 3. This should be followed by the company description and what all it will entail.
- 4. Next give an elaborate account of the market analysis and your findings as far as competition, customers and prospects are concerned.
- 5. This should be followed by the structure of your business and how you intend to go about managing it.
- 6. Give a description of your product or service line and how it will be different from the competitor products or services.
- 7. Next, give a detailed account of the strategy that you intend to follow to market your business and get enough sales.
- 8. This should be followed by the details of the finances that you have handy and the requirements.
- Acquiring finances for the business
- Creating alliances in the business arena with experts
- Recruiting expertise for the firm
- Giving a detailed account of the business idea
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Free Download
Business Plan Template for Small Businesses
Business planning can feel complicated. it doesn't have to be. start putting pen to paper today with your free business plan template download..
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- Fill-in-the-blanks simplicity
You don't need to be an expert. This template makes business planning easy.
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All 100% free. We're here to help you succeed in business, no strings attached.
Why you need a business plan
Writing a business plan can seem like a big task, especially if you’re starting a business for the first time and don’t have a financial background. After all, business plans have changed over the years, and what lenders and investors expect now is different than it was even just 10 years ago.
What hasn’t changed is that writing a business plan will help you:
- Develop a strategy for success
- Reduce the risk of starting a business
- Explore new business ideas
- Attract investors and get funding
Learn more about how you can get value out of your business plan .
What is included in this business plan template?
This template includes definitions, guidance, and examples for every business plan component needed to start, fund, and grow your business.
After downloading the full template, you’ll receive instructions on how to fill out each of the following sections.
Executive summary
The brief summary of your business plan introduces everyone to your business, the problem you solve, and what you’re asking from your readers. It’s the first chapter of your business plan and the last thing you write once you have the details from your full plan.
Problem & solution
More than a simple description of your products and services – here you define the problem you’re solving and the value you provide. It’s also your chance to showcase any initial traction that shows you’re on the right track.
Market analysis and target market
A detailed assessment of the market you intend to enter, including the size and value of the market, potential customer segments, and their buying patterns.
Competition
Show that you know who your competitors are, what advantages you have, and how you’re positioning your business to be competitive.
Marketing & sales
Describe how you’ll reach and sell to potential customers with a detailed sales plan and chosen marketing channels.
What makes your business run? Outline the day-to-day workflows and what needs to be set up for your business to deliver a product or service.
Milestones & metrics
Set goals for your business that include the dates and people responsible for accomplishing them. This is what you’ll use to manage responsibilities, track growth, and execute your larger strategy.
Company overview and team
Provide a brief rundown of the legal and structural components of your company, including your history, current team, and gaps you need to fill.
Financial plan
Create well-structured and accurate financial statements to help you pitch to investors, land funding, and achieve long-term success. All without the help of a financial advisor or a degree in accounting.
While not required, this last section of your business plan is a great place to drop in additional documents that support and strengthen the rest of your plan.
How do you write a simple business plan?
If you’re exploring a business idea and don’t plan to pursue funding, then you actually don’t need to write a traditional business plan. Instead, opt for a one-page plan , which is far easier to create but just as effective.
To write a simple one-page business plan, follow the same core sections as a traditional plan. But instead of lengthy paragraphs and multiple pages covering each area of your business, stick with single sentences and bulleted lists.
If a one-page plan sounds like a better option, download our free simple business plan template to get started.
Start your business plan today
Whether you're writing a business plan to validate your business idea, secure funding, or grow your existing business – our template will help you achieve your goals.
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Business plan template FAQ
What file formats are available for this business plan template?
You can download and use this business plan template as a Google Doc, .docx (Microsoft Word), or PDF.
Can you print out this template?
This is a printable business plan template that can be downloaded and printed no matter which format you choose.
Why should you start with a business plan template?
Starting with a good business plan template (like this one) includes everything you need to get started. It helps you organize your thoughts, and provides guidance, instructions, and examples to create an investor-ready and SBA-approved business plan format. It really speeds up the planning process. Oh, and it's 100% free!
Is writing a business plan easy?
Using a business plan template can make writing a business plan easier. Additionally, if you focus on just getting your information down quickly, with the expectation that you'll revisit and revise your plan, you can speed up and simplify the process .
Can someone write your business plan for you?
If you're still struggling to write your business plan even when using a template, you can look into hiring a professional business plan writer. We even have a free resource to help you ask just the right questions to make sure you find the right plan writer.
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How To Write A Business Plan
Updated: Nov 10, 2023, 4:23pm
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Table of Contents
Brainstorm an executive summary, create a company description, brainstorm your business goals, describe your services or products, conduct market research, create financial plans, bottom line.
Every business starts with a vision – and this vision is distilled and communicated through a business plan . A strong business plan outlines short-term and long-term goals, budget and whatever else you might need to get started (in addition, of course, to your hopes and dreams). In this guide, we’ll walk you through how to write a watertight and effective business plan that you can stick to.
Drafting the summary
An executive summary is an extremely important first step in your business. You have to be able to put the basic facts of your business in an elevator pitch-style sentence to grab investors’ attention and keep their interest. This should communicate your business’s name, what the products or services you’re selling are and what marketplace you’re entering.
Ask for help
When drafting the executive summary, you should have a few different options. Enlist a few thought partners to review your executive summary possibilities to determine which one is best.
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After you have the executive summary in place, you can work on the company description, which contains more specific information. In the description, you’ll need to include your business’s registered name, your business address and any key employees involved in the business.
The business description should also include the structure of your business, such as sole proprietorship, limited liability company (LLC), partnership or corporation. This is the time to specify how much of an ownership stake everyone has in the company. Finally, include a section that outlines the history of the company and how it has evolved over time.
Wherever you are on the business journey, you return to your goals and assess where you are in meeting your in-progress targets and setting new goals to work toward.
Numbers-based goals
Goals can cover a variety of sections of your business. Financial and profit goals are a given for when you’re establishing your business, but there are other goals to take into account as well with regard to brand awareness and growth. For example, you might want to hit a certain number of followers across social channels or raise your engagement rates.
Another goal could be to attract new investors or find grants if you’re a nonprofit business. If you’re looking to grow, you’ll want to set revenue targets to make that happen as well.
Intangible goals
Goals unrelated to traceable numbers are important as well. These can include seeing your business’s advertisement reach the general public or receiving a terrific client review. These goals are important for the direction you take your business and the direction you want it to go in the future.
The business plan should have a section that explains the services or products that you’re offering. This is the part where you can also describe how they fit in the current market or are providing something necessary or entirely new. If you have any patents or trademarks, this is where you can include those too.
If you have any visual aids, they should be included here as well. This would also be a good place to include pricing strategy and explain your materials.
This is the part of the business plan where you can explain your expertise and different approach in greater depth. Show how what you’re offering is vital to the market and fills an important gap.
You can also situate your business in your industry and compare it to other ones and how you have a competitive advantage in the marketplace.
Other than financial goals, you want to have a budget and set your planned weekly, monthly and annual spending. There are several different costs to consider, such as operational costs.
Business operations costs
Rent for your business is the first big cost to factor into your budget. If your business is remote, the cost that replaces rent will be the software that maintains your virtual operations.
Marketing and sales costs should be next on your list. Devoting money to making sure people know about your business is as important as making sure it functions.
Other costs
Although you can’t anticipate disasters, there are likely to be unanticipated costs that come up at some point in your business’s existence. It’s important to factor these possible costs into your financial plans so you’re not caught totally unaware.
Think about task management software
Task management software can be really useful in mapping out the scope of a project, including getting your new business up and running. There are many apps out there, so finding the right solution can be tricky. We compiled this list of the best task management software (which ranks Monday.com in first place) which could help narrow down your search.
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Business plans are important for businesses of all sizes so that you can define where your business is and where you want it to go. Growing your business requires a vision, and giving yourself a roadmap in the form of a business plan will set you up for success.
Frequently Asked Questions (FAQs)
How do i write a simple business plan.
When you’re working on a business plan, make sure you have as much information as possible so that you can simplify it to the most relevant information.
A simple business plan still needs all of the parts included in this article, but you can be very clear and direct.
What are some common mistakes in a business plan?
The most common mistakes in a business plan are common writing issues like grammar errors or misspellings.
It’s important to be clear in your sentence structure and proofread your business plan before sending it to any investors or partners.
What basic items should be included in a business plan?
When writing out a business plan, you want to make sure that you cover everything related to your concept for the business, an analysis of the industry.
This includes potential customers and an overview of the market for your goods or services, how you plan to execute your vision for the business, how you plan to grow the business if it becomes successful.
You should also look at financial data around the business, including current cash on hand, potential investors and budget plans for the next few years.
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FREE BUSINESS PLAN TEMPLATES
WHY WRITE A BUSINESS PLAN?
A business plan is a critical tool for businesses and startups for a number of reasons.
A business plan can help to articulate and flesh out the business’s goals and objectives.
This can be beneficial not only for the business owner, but also for potential investors or partners
A business plan can serve as a roadmap for the business, helping to keep it on track and on target.
This is especially important for businesses that are growing and evolving, as it can be easy to get sidetracked without a clear plan in place.
A business plan can be a valuable tool for communicating the business’s vision to employees, customers, and other key stakeholders.
Business plans are one of the most affordable and straightfoward ways of ensuring your business is successful.
Many people struggle with drafting a business plan and it is necessary to ensure all important sections are present in a business plan:
BUSINESS PLAN CONTENT
1. Executive Summary
2. Company Description
3. Industry Overview
4. SWOT Analysis
5. Management Team
6. Competitive Analysis
7. Competitive Advantages
8. Marketing Strategies & Plan
9. Capital Requirement
10. Financial Forecast
BUSINESS PLAN TEMPLATES
While business plans are relatively hard to perfect yourself, It is often helpful for founders to start a business plan from a template and edit it to make it suitable for their business. Avvale Consulting has helped over 300 founders draft their business plan and create fully customized business plans for companies. We have made available business plan templates for common industries available below for self-starters. If you require any help to work with the drafts or want to complete them with a customized financial plan, please schedule time to work with one of our consultants.
Property Development Business Plan Template
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Download our business plan template and use it to help you achieve your goals. Whether you're starting a business or planning to expand, having a business plan can help to get you on track and get some detail behind your ideas. However, research from Barclays shows that one in four businesses don't have a business plan.
How to write a business plan for professional services firms. Our free professional services business plan template comes with a detailed outline of the type of information to cover, as well as lots of useful tips on how to structure your plan. Typically, it would cover the following sections: Executive summary. Company overview.
Using this template. This template has the key sections of a business plan, together with guidance on what you should include in each section. We suggest that the guidance notes are removed after each section has been written. We've created it to help entrepreneurs and existing businesses: Understand if their business idea is viable and ...
Free guides & templates. Accounting for everyone, cash flow management, how to pay payroll without errors, and more. Access free guides, templates and toolkits so you can learn everything you need to successfully manage your business. Jump to:
Sage Business Cloud. Small businesses. ... Download our business plan template and use it to help you ... 3 July, 2023 5 min read. How to start a small business in the UK . Starting a business requires research and dedication. Got a great idea but unsure where to start? Use our free small bus...
Get innovative solutions to market faster by integrating with Sage. Business partners Sell and refer Sage solutions and provide value-add services to customers. Service delivery partners Train, consult, or offer managed services with Sage ... Business plan template: map out the next steps for your business with this living document. Invoice ...
Download free business plan templates and find help and advice on how to write your business plan. Business plan templates Download a free business plan template on The Prince's Trust website.
Step 1: How to write an executive summary for a business plan. The executive summary is essentially a one page business plan that goes at the beginning of your document. As it's a snapshot of your plan, it's often best to write it last. This section is common in many business documents, from client reports to business proposals for new ...
Download the business plan template. Fill in the form to get a free business plan template as an editable PDF. We'll send a one-pager and a multi-pager to choose from. Your email address. Location. United Kingdom. One page or multi-page template. Please choose an option.
2. Business details and description. Describe your what, where, who and why - including your product/service, brand, location, business model and size. Make an extensive list of all your products/services/revenue streams (all the ways your business can possibly make money). For example, for a bar this could be: Drinks.
Business Plan Template from Startups.co.uk. Click here to download your free Business Plan template PDF - you can fill in your own details and those of your business, its target market, your customers, competitors and your vision for growth. Download PDF (240KB) Work through your business plan, step-by-step.
The Prince's Trust plan also goes into more depth on the logistics of how the company is going to work and the reasons for starting it up. 3) Microsoft Word - Microsoft have a start-up business template which you can download. When you open it up in word it runs to 28 pages and is full of questions, advice and points to consider.
The template is available as an editable Word doc or print-ready PDF. Business plan template (Word) (doc, 402kb) Business plan template (PDF) (pdf, 2.9mb) When you reach the section on finances, you can use our financial tables spreadsheet to start forecasting and recording your cashflow. Business plan financial tables (Excel) (xls, 53kb)
A well-thought-out business plan will: set a direction for the business and help you create an action plan. help you and your staff focus on what's important. show your commitment to banks, investors, colleagues and employees. help you to spot problems early on and tackle them effectively. set targets and evaluate your success.
Template for existing businesses: pdf existing business template. Financial planning spreadsheet for startup businesses: Excel financial plan template. These free business plan templates can help you quickly write a business plan. First, you can download the templates as Adobe PDF files to your computer. Then, you can click each of the template ...
47+ Business Plan Templates in Microsoft Word. The above sentences clearly depict that planning is everything. Successful organizations credit 90% of their victory for planning. Rest all is to implement the same. They consider the business plans as their most reliable and robust strategic management tool.
To write a simple one-page business plan, follow the same core sections as a traditional plan. But instead of lengthy paragraphs and multiple pages covering each area of your business, stick with single sentences and bulleted lists. If a one-page plan sounds like a better option, download our free simple business plan template to get started.
Using this template. This template has the key sections of a business plan, together with guidance on what you should include in each section. We suggest that the guidance notes are removed after each section has been written. We've created it to help entrepreneurs and existing businesses: Understand if their business idea is viable and ...
Get your free simple business plan template. Write an effective business plan in 6 steps. Business plans are vital in helping you establish your goals and define the means by which they can be ...
There are seven steps to creating your plan, covering all the different aspects of your business and how they interact. While some of the information is optional, most of it can be useful. The more detailed and in-depth your Business Plan is, the more helpful it'll be. 1. State the industry your business operates in.
This section of your simple business plan template explores how to structure and operate your business. Details include the type of business organization your startup will take, roles and ...
Create a company description. After you have the executive summary in place, you can work on the company description, which contains more specific information. In the description, you'll need to ...
Avvale Consulting has helped over 300 founders draft their business plan and create fully customized business plans for companies. We have made available business plan templates for common industries available below for self-starters. If you require any help to work with the drafts or want to complete them with a customized financial plan ...