LoanBuilder® is a sub-set of BizPlanBuilder® — click here for comprehensive business plan software

Today's lenders want more — Present your banker with a winning business loan proposal

So the news tells us that it's ugly out there... but the Prime Rate is down, banks still need to lend money, and you have a growing business. Yet, today's lender needs more to go on. Your bank will provide their loan application form, but that often isn't enough. LoanBuilder provides a lower-cost complete business financing application package. With LoanBuilder, you can quickly and easily put together an impressive (and re-usable) SBA / Bank financing application package. If you've been in business for a while and need an expansion loan or a loan to acquire a franchise, it should be pretty simple to get.

An SBA loan also requires a business plan (the business plan executive summary provided in LoanBuilder is will comply — if you require a complete, comprehensive business plan, we recommend our proven BizPlanBuilder business planning software system).

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The tools to help you put together a compelling business loan application package today

1. Cover Page – you are preparing a “Financing Package.” An attractive document goes a long way to successfully borrowing money. It also helps bankers find it on their desk!
2. Cover Letter to your bank – introduce yourself and detail your loan / financing request
3. Executive Summary – like an abbreviated business plan, it covers the major points of who, what, why, where, when and how of what you are doing currently as well as what you will do with the financing.
4. Financial Model – an easy to use Excel workbook enabling you to fill-in your projected sales, costs (including financing) and cash-flow.
5. Supplemental Documents – this page lists the additional documentation that you are providing.
6. LLC Operating Agreement – if you are an LLC, the bank will usually want to see this document.
7. Executive Resume Template – while you’re not looking for a job, the bank does want to know more about you. What’s a nice person like you doing in a business like this? They want to be comfortable that you and those whom you have assembled for your management team (or employees) are likely to be successful running the business.
8. Personal Financial Statement – Some lenders require this, some may not… It’s usually a good thing to go ahead and complete it and have it handy. It’s also a good document to have handy for other applications as well.
9. SBA “LowDoc” Application – this is the SBA loan application form. Your bank may provide a form of their own.
   

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Edit using Word & Excel

Everything has been written for you in the style and format currently securing loans with banks across America. Because we use your own copies of Word and Excel, everything is completely flexible and customizable exactly to your needs. Just fill in your numbers and other specifics intuitively indicated throughout the software and edit to your liking. Then either print and deliver your finished loan or save it as a .pdf and email it to your banker.

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Update enables true collaboration

This new version of LoanBuilder uses the same document management software system that powers our popular BizPlanBuilder business planning software. It's a true multi-user program enabling you to share files with others — management team, consultants, investors — with complete access control and security. (Unlike the old-school software that make you email files, then cut and paste back into your plan.) Now you can share your files over a network, server or the Internet. More about collaboration...

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Easy to fill-in assumptions page drives the entire financial model

All LoanBuilder financial models are developed in an Excel workbook with automatic linking between all statements, giving you complete flexibility to customize them to your requirements. You don't have to be a spreadsheet or financial expert. (If you are, you can customize everything in Excel.) Just enter your sales, expense, growth and other assumptions and variables on one page and LoanBuilder automatically generates all of your statements required by every bank and any SBA-backed lender.

Shows all the business financing math — makes explaining easy

Unlike other financial models, here you and your banker will see the math, and easily understand "how you got there" in a clear and logical manner. See "what-if" when you change scenarios. LoanBuilder automatically calculates totals, percentages and ratios to show at a glance how much money you'll need, when you'll need it, and how soon you'll make a profit. It's easy to update — when you change a number, all spreadsheets automatically recalculate for you.

Here's what the loan application financial model includes:

•  Financial Summary - consolidation of financial projections, plus headcount and capital requirements — automatically generated, including graphs and charts
•  Set-up by products, product lines, or profit centers
•  Start-up Costs
•  Assumptions - Sales (enter growth % or actuals)
•  Assumptions - Marketing (use % of sales or actual)
•  Assumptions - COGS (use % of sales or actual)
•  Assumptions - R&D (use % of sales or actual)
•  Assumptions - G&A (use % of sales or actual)
•  Assumptions - Balance Sheet (use historical numbers if available)
•  Income Statement (+ NOL carry-forward)
•  Balance Sheet (with out-of-balance flag)
•  Cash flow Projection
•  Personal Financial Statement (perfect for attaching to loan applications, etc.)

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Loan Wizard automatically manages up to 5 different loans

Modeling debt financing is easy.

Enter the loan start date, amount, and interest rate.

Interest expenses, cash flow and balance sheet line items are all automatically calculated — showing on separate line listings for each one on each statement for added clarity.

The blue text is variable so you can also label each loan with the title of your choice. These headings will also automatically copy to the Income Statement, Balance Sheet and Cash Flow statements where needed to identify their respective line-item calculations.

This helps dramatically to enable you to make adjustments where necessary and for investors and lenders to intuitively understand your plan.

Use this section to...

• Restructure debt to vendors

• Purchase vehicles

• Borrow working capital

• Build up inventory

All loans are independently calculated so you can start them on any date from the beginning of your plan to any time in the future. Plan to purchase a new machine in 2 years or borrow cash to pay off your father in law.

Financing Assumptions Statement below this "Loan Wizard" automatically summarizes all of your financing calculations here.

If / when you want to make a change, just update this page and everything else will recalculate and all changes will automatically appear in their proper places.

 

 

 

One of several Assumptions pages makes forecasting easy.

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Supporting Documents provide your lender with all the background they'll need

Some banks require more documentation. So to make sure you have everything you need to secure your financing, we've included these extra documents to support your business expansion financing:

• SBA Loan Application (.pdf)
• Sample Articles of Incorporation Template
• Executive Summary Template
• Executive Team Bio Template
• Sample LLC Operating Agreement Template
• Executive Team Responsibilities Template
• Sample General Partnership Agreement Template
• Personal Financial Statement Excel Template

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Note to BizPlanBuilder users

LoanBuilder is actually a subset of our BizPlanBuilder business planning software system. (If you already have BizPlanBuilder you already have all of the components of LoanBuilder.) We've found that for a simple business loan you may not require a comprehensive business plan. Since we have been helping entrepreneurs get SBA loans as well as franchisees to acquire franchises, we have simplified this system to accomplish these tasks. In fact, when you want to upgrade to BizPlanBuilder, we will credit you $25 toward your purchase.)

Finance your business expansion — LoanBuilder will help you get your loan proposal in front of your lender quickly.