Pricing
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A consultant charges $500 to $3,000 for an SBA-ready plan and takes two weeks. An immigration consultant charges $2,000 to $5,000 for the E-2 version.
Complete loan-ready plan
- All nine sections, written around your real numbers
- Census establishment counts for your county
- The SBA lenders active in your industry and state, named
- Three-year model: P&L, monthly cash flow, balance sheet, break-even
- DSCR computed and printed, with a warning if it falls short
- PDF, Word, one-pager, and a live Excel model with formulas
You see your market analysis before you pay a cent. Refund policy.
Three regenerations within 30 days. Your banker asks for a change — you make it.
The extra sections a visa filing needs: job creation, source of funds, five-year staffing.
Questions people actually ask
Is this an SBA-approved plan?
No — and be careful with anyone who says otherwise. The SBA is a federal agency; it does not approve or endorse business plan providers. What we do is format the plan the way SBA loan applications expect, in the section order underwriters read, with the ratios they check. Whether a loan is approved is your lender's decision, and nothing here promises an outcome.
Where does the market data actually come from?
Census County Business Patterns for establishment counts and payroll by industry and county. Census Population Estimates and Small Area Income and Poverty Estimates for population and median household income. SBA FOIA data — every approved 7(a) and 504 loan — for lender activity, approval amounts, terms and rates. Bureau of Labor Statistics QCEW for local wages. Every figure in your plan names its source, so your lender can check it.
Does an AI make up the financial projections?
No. That is the whole design. A deterministic engine written in TypeScript does every calculation — profit and loss, monthly cash flow, balance sheet, amortisation, taxes, break-even, DSCR. The language model only proposes operating assumptions such as seasonality, and every assumption it proposes is clamped to published industry ranges before the engine sees it. Then the written sections are checked against the computed figures: any number that does not appear in the model is rejected and the section is rewritten.
What if my plan doesn't clear the 1.15× coverage ratio?
You will see it before you pay, along with the size of the gap and which lever closes it — more revenue, lower operating cost, a bigger equity injection so you borrow less, or a longer term. We would rather lose the sale than sell you a plan that gets declined.
Is the Excel model really live, or just numbers pasted into a grid?
Live. Every cell below the assumptions sheet is a formula. Change the average ticket or the interest rate and the profit and loss, the cash flow, the balance sheet and the DSCR all recalculate. There is a balance check row that must read zero in all 36 months — including after you edit it.
How long does it take?
About four minutes to fill in the form, a minute or two to generate. You get the files immediately after checkout.
Can I use it for an E-2 or EB-5 visa filing?
The base plan covers the business case. The E-2 / EB-5 add-on includes the extra sections those filings require — job creation projections, source of funds narrative, and a five-year staffing plan. It is not legal advice and does not replace an immigration attorney.
Your lender is going to open the spreadsheet.
Make sure it balances, covers its debt, and cites numbers they can check.
Start my plan — free preview$299 one time, only after you've seen your own market analysis.