Bank and DFI finance
A business plan for your loan application, with the numbers lenders need.
Applying to a bank or a development finance institution such as the IDC, NEF, SEFA or the Land Bank? Your business plan is often the first thing they judge you on. We write it the way lenders want to read it.
What a lender looks for
Banks and development finance institutions read a plan to answer one question: can this business repay the loan? Your plan has to show it clearly.
- Cash flow that covers the repayments, month by month
- Realistic projections, with the assumptions explained
- How much you need, and exactly what it will be used for
- The people running the business and their track record
- The main risks, and what you will do if things go slower than planned
Every plan includes
What your finance plan includes
The full plan, in 20 sections
The business, the market, the team, the funding needed and how it will be used, set out the way a credit committee reads it.
The numbers lenders need
7 financial schedules, 3- and 5-year projections and a 24-month cash flow that shows how the loan is repaid.
Ready to submit
A designed, finished plan you can attach to your application.
Sample plan: Gateway regional shopping centre (debt and equity)
“I’ve founded, financed and run businesses for over 35 years. I write plans the way funders want to read them.”
Charl van Zyl
How it works
Conversation. We talk about your business, your funder and your deadline.
Research and numbers. We build the financial model and test the assumptions with you.
Draft and review. You read the draft and we refine it together.
Final plan. Designed and ready to send, about two weeks after our first conversation. Fixed fee.
Questions
Questions about bank and DFI applications
Do you write plans for IDC, NEF, SEFA and Land Bank applications?
Yes. Tell us which institution you are applying to and we write the plan with that reader in mind.
How long does it take?
About two weeks from our first conversation to the final plan. If you have a deadline, tell us at the start.
What does it cost?
A fixed fee, agreed before we start. Charl sends you a quote after a short conversation.
Will my loan be approved?
We can't promise that, and nobody honestly can. We make sure your plan is clear, realistic and backed by solid numbers.
Tell us what you’re planning
Tell us who you are applying to, how much you need and your deadline. Charl reads every message himself.
Also: Raising investment · Starting or expanding · Restructuring