Business Plans

Business plans and cash flow forecasts for start-ups and growing firms in Upminster, Hornchurch and Essex. Ready for your bank, investor or Start Up Loan.
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Business Plans for businesses in Upminster and Hornchurch, Brickfield Hollow
Business plans in Upminster and Essex

A business plan with honest numbers that lenders take seriously.

A good business plan does two jobs. It shows a bank or investor that you know what you're doing, and it gives you a map to follow once the money arrives. We help you build both the story and the numbers behind it.

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We write business plans with new and growing businesses in Upminster, Hornchurch, Cranham, Romford, Brentwood and across Essex.

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When you might need one

  • You're starting a business and want to test the idea
  • You're applying for a Start Up Loan, bank loan or overdraft
  • You're looking for investors or a business partner
  • You're planning a big step, like new premises, new staff or a new product

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What goes into your plan

  • A short summary of the business and your goals
  • What you sell, who buys it and why they'll pick you
  • A look at local competition and your market
  • Your marketing and sales plan
  • Who runs the business and what they bring
  • Sales forecasts, a profit and loss forecast and a cash flow forecast
  • Your break-even point, so you know the sales you need to cover costs

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How we work with you

We start with a chat about your idea. Then we ask the awkward questions a lender would ask, so you've got the answers ready. We build forecasts that are hopeful but realistic, because a plan that looks too good to be true rarely gets funded.

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After the plan

Once you're up and running, we can turn your plan into a budget and track how you're doing against it with regular reports. That way the plan keeps working for you long after the loan is approved.

"Phil is so helpful and friendly. Even though I’ve moved out of Upminster, he’s still doing my accounts."
KELL S

Frequently asked questions.

If you have any further questions don't hesitate to reach out to us, we're always on hand to help.

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What should a business plan include?

A clear summary, what you sell and who to, your competition, your marketing plan, the people running the business, and financial forecasts. The forecasts should cover sales, profit and cash flow.

Do I need a business plan for a Start Up Loan?

Yes. The government-backed Start Up Loans scheme asks for a business plan and a cash flow forecast as part of your application. We can help you prepare both.

What is a cash flow forecast?

It's a month-by-month estimate of the money coming in and going out of your business. It shows when you might run short of cash, so you can plan ahead rather than get caught out.

How long does it take to write a business plan?

It depends on how far along your idea is. Once we have the key facts, a plan usually comes together quite quickly, and we'll agree a timescale with you at the start.

Why use an accountant to write a business plan?

Lenders look hardest at the numbers. An accountant makes sure your forecasts add up, your costs are realistic and your tax is properly allowed for, which gives your plan far more weight.