{"id":1668,"date":"2026-05-28T15:29:51","date_gmt":"2026-05-28T13:29:51","guid":{"rendered":"https:\/\/thenech.com\/business-plan\/biznesplan-do-kredytu\/"},"modified":"2026-08-29T14:31:51","modified_gmt":"2026-08-29T12:31:51","slug":"business-plan-for-a-loan","status":"publish","type":"page","link":"https:\/\/thenech.com\/en\/business-plan\/business-plan-for-a-loan\/","title":{"rendered":"Business plan for a bank loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1668\" class=\"elementor elementor-1668 elementor-1602\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66ccd2e e-flex e-con-boxed e-con e-parent\" data-id=\"66ccd2e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3906b9f elementor-widget elementor-widget-html\" data-id=\"3906b9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- the nech | Business plan for a loan (EN) | v4 Swiss editorial minimal | 2026-08-25 | single Elementor HTML widget | no prices, no phone, no inline form -->\n<script type=\"application\/ld+json\">\n{\n \"@context\": \"https:\/\/schema.org\",\n \"@graph\": [\n  {\n   \"@type\": \"WebSite\",\n   \"@id\": \"https:\/\/thenech.com\/en\/#website\",\n   \"url\": \"https:\/\/thenech.com\/en\/\",\n   \"name\": \"the nech\",\n   \"inLanguage\": \"en\",\n   \"publisher\": {\n    \"@id\": \"https:\/\/thenech.com\/#organization\"\n   }\n  },\n  {\n   \"@type\": \"Organization\",\n   \"@id\": \"https:\/\/thenech.com\/#organization\",\n   \"name\": \"the nech\",\n   \"url\": \"https:\/\/thenech.com\/\",\n   \"description\": \"Boutique B2B consulting from Warsaw. 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Our job is to produce a business plan for a loan and a forecast that survive bank analysis and give no grounds for rejection on formal or substantive terms.\"\n     }\n    },\n    {\n     \"@type\": \"Question\",\n     \"name\": \"Do you account for a de minimis or Biznesmax Plus guarantee from BGK?\",\n     \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes. If the loan is to be secured by a de minimis or Biznesmax Plus guarantee, we describe it in the plan, build it into the financing structure and carry the cost of the guarantee into the cash flow forecast. We confirm the current coverage with the lending bank before the application is filed.\"\n     }\n    },\n    {\n     \"@type\": \"Question\",\n     \"name\": \"How many years should the financial forecast cover?\",\n     \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Three to five years is the standard. 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text-decoration: none; border-bottom: 1px solid rgba(101, 71, 109, .35); transition: border-color .2s var(--ease), color .2s var(--ease); }\n.tn-bp a:hover { border-bottom-color: var(--accent); }\n.tn-bp a.btn, .tn-bp a.btn-ghost { border-bottom: 0; }\n.tn-bp .ctas a { border-bottom: 0; }\n\n.tn-bp a.btn, .tn-bp button.btn {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  gap: 12px;\n  min-height: 52px;\n  padding: 14px 30px;\n  background-color: var(--accent);\n  color: #FFFFFF;\n  font-size: .93rem;\n  font-weight: 600;\n  letter-spacing: .01em;\n  border: 1px solid var(--accent);\n  border-radius: 0;\n  text-decoration: none;\n  cursor: pointer;\n  transition: background-color .22s var(--ease), border-color .22s var(--ease);\n}\n.tn-bp a.btn:hover, .tn-bp button.btn:hover { background-color: var(--ink); border-color: var(--ink); color: #FFFFFF; }\n\n.tn-bp a.btn-ghost {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 52px;\n  padding: 14px 30px;\n  background: transparent;\n  color: #FFFFFF;\n  border: 1px solid rgba(255, 255, 255, .5);\n  border-radius: 0;\n  font-size: .93rem;\n  font-weight: 600;\n  text-decoration: none;\n  transition: border-color .22s var(--ease), background-color .22s var(--ease);\n}\n.tn-bp a.btn-ghost:hover { border-color: #FFFFFF; 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display: flex; flex-wrap: wrap; gap: 8px 12px; margin: 0; padding: 0; }\n.tn-bp .crumbs li { display: flex; align-items: center; gap: 12px; }\n.tn-bp .crumbs li + li::before { content: \"\/\"; color: var(--rule); }\n.tn-bp .crumbs a { color: var(--ink-3); border-bottom: 0; }\n.tn-bp .crumbs a:hover { color: var(--accent); }\n\n.tn-bp .hero-facts {\n  display: grid;\n  grid-template-columns: repeat(4, 1fr);\n  gap: 1px;\n  background: var(--rule);\n  border-top: 1px solid var(--rule);\n  border-bottom: 1px solid var(--rule);\n  margin: clamp(44px, 6vw, 72px) 0 0;\n}\n.tn-bp .hero-facts > div { background: var(--paper); padding: 22px 26px 24px 0; }\n.tn-bp .hero-facts > div:not(:first-child) { padding-left: 26px; }\n.tn-bp .hero-facts dt {\n  font-size: 11px;\n  font-weight: 500;\n  letter-spacing: .16em;\n  text-transform: uppercase;\n  color: var(--ink-3);\n  margin: 0 0 10px;\n}\n.tn-bp .hero-facts dd { margin: 0; font-size: .95rem; line-height: 1.45; color: var(--ink); }\n.tn-bp .updated {\n  font-size: 11px;\n  letter-spacing: .16em;\n  text-transform: uppercase;\n  color: var(--ink-3);\n  margin: 20px 0 0;\n  max-width: none;\n}\n\n\/* ---------- TL;DR (cream) ---------- *\/\n.tn-bp .tldr { background: var(--cream); padding: clamp(38px, 5vw, 62px) 0; }\n.tn-bp .tldr-lead { max-width: 66ch; }\n.tn-bp .tldr-grid {\n  display: grid;\n  grid-template-columns: repeat(2, 1fr);\n  gap: 0 clamp(28px, 4vw, 56px);\n  margin-top: clamp(28px, 3.4vw, 44px);\n  max-width: 980px;\n}\n.tn-bp .tldr-grid > div { padding: 20px 0; border-top: 1px solid var(--rule); }\n.tn-bp .tldr-grid dt {\n  font-size: 11px;\n  font-weight: 500;\n  letter-spacing: .15em;\n  text-transform: uppercase;\n  color: var(--ink-3);\n  margin: 0 0 8px;\n}\n.tn-bp .tldr-grid dd { margin: 0; font-size: .95rem; line-height: 1.5; color: var(--ink-2); }\n\n\/* ---------- Table of contents ---------- *\/\n.tn-bp .toc { padding: clamp(38px, 4.4vw, 58px) 0; border-bottom: 1px solid var(--rule); }\n.tn-bp .toc-list {\n  list-style: none;\n  margin: 0;\n  padding: 0;\n  columns: 2;\n  column-gap: clamp(28px, 4vw, 64px);\n  max-width: 980px;\n}\n.tn-bp .toc-list li { break-inside: avoid; display: flex; gap: 14px; padding: 7px 0; font-size: .93rem; }\n.tn-bp .toc-list li span { color: var(--ink-3); font-size: 11px; letter-spacing: .1em; padding-top: 4px; flex: 0 0 18px; }\n.tn-bp .toc-list a { color: var(--ink); border-bottom: 0; }\n.tn-bp .toc-list a:hover { color: var(--accent); }\n\n\/* ---------- Definition box ---------- *\/\n.tn-bp .definition-box {\n  border-left: 1px solid var(--accent);\n  padding: 4px 0 4px 26px;\n  margin: 34px 0;\n  max-width: var(--col);\n}\n.tn-bp .definition-box p { font-size: .98rem; line-height: 1.62; margin: 0; }\n\n\/* ---------- Lists ---------- *\/\n.tn-bp .dash { list-style: none; margin: 26px 0; padding: 0; max-width: var(--col); }\n.tn-bp .dash li { position: relative; padding: 0 0 0 26px; margin: 0 0 16px; font-size: .98rem; line-height: 1.62; }\n.tn-bp .dash li::before { content: \"\"; position: absolute; left: 0; top: .72em; width: 12px; height: 1px; background: var(--ink-3); }\n\n.tn-bp .steps { list-style: none; margin: 30px 0; padding: 0; max-width: var(--col); counter-reset: st; }\n.tn-bp .steps li { position: relative; padding: 0 0 0 46px; margin: 0 0 22px; font-size: .98rem; line-height: 1.62; counter-increment: st; }\n.tn-bp .steps li::before {\n  content: counter(st, decimal-leading-zero);\n  position: absolute; left: 0; top: .18em;\n  font-size: 11px; letter-spacing: .1em; color: var(--accent); font-weight: 500;\n}\n\n\/* ---------- Card grid (hairlines via 1px gap) ---------- *\/\n.tn-bp .cards {\n  display: grid;\n  grid-template-columns: repeat(2, 1fr);\n  gap: 1px;\n  background: var(--rule);\n  border: 1px solid var(--rule);\n  margin: 34px 0 0;\n}\n.tn-bp .cards--3 { grid-template-columns: repeat(3, 1fr); }\n.tn-bp .card { background: var(--paper); padding: clamp(24px, 2.6vw, 34px); transition: background-color .2s var(--ease); }\n.tn-bp .card:hover { background: var(--cream); }\n.tn-bp .card h3 { margin: 0 0 12px; }\n.tn-bp .card p { font-size: .93rem; line-height: 1.58; margin: 0; max-width: none; }\n.tn-bp .card .label { margin: 0 0 12px; }\n\n\/* ---------- Tables ---------- *\/\n.tn-bp .tablewrap { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 30px 0 0; }\n.tn-bp table { width: 100%; border-collapse: collapse; border: 0; font-size: .92rem; min-width: 620px; }\n.tn-bp caption {\n  caption-side: top;\n  text-align: left;\n  font-size: 11px;\n  letter-spacing: .15em;\n  text-transform: uppercase;\n  color: var(--ink-3);\n  padding: 0 0 14px;\n}\n.tn-bp th {\n  text-align: left;\n  font-size: 11px;\n  font-weight: 500;\n  letter-spacing: .13em;\n  text-transform: uppercase;\n  color: var(--ink-3);\n  padding: 0 26px 14px 0;\n  border: 0;\n  border-bottom: 1px solid var(--ink);\n  vertical-align: bottom;\n}\n.tn-bp td {\n  font-size: .92rem;\n  line-height: 1.55;\n  padding: 18px 26px 18px 0;\n  border: 0;\n  border-bottom: 1px solid var(--rule);\n  vertical-align: top;\n  color: var(--ink-2);\n}\n.tn-bp td:first-child { color: var(--ink); font-weight: 500; }\n.tn-bp th:last-child, .tn-bp td:last-child { padding-right: 0; }\n\n\/* ---------- FAQ ---------- *\/\n.tn-bp .faq { margin: 30px 0 0; max-width: 920px; border-top: 1px solid var(--rule); }\n.tn-bp .faq details { border-bottom: 1px solid var(--rule); }\n.tn-bp .faq summary {\n  list-style: none;\n  cursor: pointer;\n  position: relative;\n  padding: 24px 56px 24px 0;\n  font-size: 1rem;\n  font-weight: 500;\n  color: var(--ink);\n  line-height: 1.4;\n}\n.tn-bp .faq summary::-webkit-details-marker { display: none; }\n.tn-bp .faq summary::before,\n.tn-bp .faq summary::after {\n  content: \"\";\n  position: absolute;\n  right: 4px;\n  top: 50%;\n  background: var(--accent);\n  transition: transform .25s var(--ease), opacity .25s var(--ease);\n}\n.tn-bp .faq summary::before { width: 14px; height: 1px; margin-top: -1px; }\n.tn-bp .faq summary::after { width: 1px; height: 14px; right: 10px; margin-top: -7px; }\n.tn-bp .faq details[open] summary::after { transform: rotate(90deg); opacity: 0; }\n.tn-bp .faq .faq-a { padding: 0 56px 26px 0; }\n.tn-bp .faq .faq-a p { font-size: .95rem; line-height: 1.62; margin: 0 0 14px; max-width: 68ch; }\n.tn-bp .faq .faq-a p:last-child { margin-bottom: 0; }\n\n\/* ---------- Author ---------- *\/\n.tn-bp .author { display: flex; gap: clamp(22px, 3vw, 38px); align-items: flex-start; margin: 34px 0 0; max-width: 820px; }\n.tn-bp .author-img { flex: 0 0 clamp(96px, 12vw, 148px); margin: 0; }\n.tn-bp .author-img img {\n  display: block; width: 100%; height: auto; aspect-ratio: 1 \/ 1; object-fit: cover;\n  filter: grayscale(1); transition: filter .4s var(--ease);\n}\n.tn-bp .author:hover .author-img img { filter: grayscale(0); }\n.tn-bp .author-body p { font-size: .95rem; line-height: 1.62; margin: 0 0 14px; max-width: 60ch; }\n.tn-bp .author-body p:last-child { margin-bottom: 0; }\n\n\/* ---------- Sources ---------- *\/\n.tn-bp .sources { margin: 30px 0 0; max-width: var(--col); list-style: none; padding: 0; }\n.tn-bp .sources li { padding: 14px 0; border-top: 1px solid var(--rule); font-size: .9rem; line-height: 1.55; }\n.tn-bp .sources li:last-child { border-bottom: 1px solid var(--rule); }\n\n\/* ---------- Related links ---------- *\/\n.tn-bp .rel { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--rule); border: 1px solid var(--rule); margin: 30px 0 0; }\n.tn-bp .rel a {\n  background: var(--paper);\n  display: block;\n  padding: clamp(22px, 2.4vw, 30px);\n  color: var(--ink);\n  border-bottom: 0;\n  transition: background-color .2s var(--ease);\n}\n.tn-bp .rel a:hover { background: var(--cream); }\n.tn-bp .rel .label { margin: 0 0 10px; }\n.tn-bp .rel b { display: block; font-weight: 600; font-size: 1rem; line-height: 1.35; letter-spacing: -.012em; }\n.tn-bp .rel span { display: block; margin-top: 8px; font-size: .87rem; line-height: 1.5; color: var(--ink-2); }\n\n\/* ---------- Final CTA (accent, full width) ---------- *\/\n.tn-bp .final { background: var(--accent); color: #FFFFFF; padding: clamp(56px, 7vw, 108px) 0; margin-top: 0; }\n.tn-bp .final h2 { color: #FFFFFF; max-width: 18ch; }\n.tn-bp .final p { color: rgba(255, 255, 255, .86); max-width: 56ch; }\n.tn-bp .final .eyebrow { color: rgba(255, 255, 255, .7); }\n.tn-bp .final .eyebrow::before { background: rgba(255, 255, 255, .6); }\n.tn-bp .final .note { color: rgba(255, 255, 255, .66); }\n.tn-bp .final a.btn { background-color: #FFFFFF; color: var(--accent); border-color: #FFFFFF; }\n.tn-bp .final a.btn:hover { background-color: var(--ink); border-color: var(--ink); color: #FFFFFF; }\n.tn-bp .final a:not(.btn):not(.btn-ghost) { color: #FFFFFF; border-bottom-color: rgba(255, 255, 255, .5); }\n\n\n\/* ---------- Theme overrides (the theme wins on plain element selectors) ---------- *\/\n.tn-bp.tn-bp h1, .tn-bp.tn-bp h2, .tn-bp.tn-bp h3, .tn-bp.tn-bp h4 { margin: 0; }\n.tn-bp.tn-bp h2 { margin-bottom: 28px; }\n.tn-bp.tn-bp h3 { margin-bottom: 14px; }\n.tn-bp.tn-bp .h2-sub { margin-top: 40px; }\n.tn-bp.tn-bp a { text-decoration: none; }\n.tn-bp.tn-bp .card h3 { margin-bottom: 12px; }\n.tn-bp.tn-bp .author-body h3 { margin-bottom: 14px; }\n.tn-bp.tn-bp .final h2 { margin-bottom: 22px; }\n.tn-bp.tn-bp .tldr h2 { margin-bottom: 20px; }\n.tn-bp.tn-bp ul, .tn-bp.tn-bp ol { margin-top: 0; }\n.tn-bp.tn-bp .faq summary { margin: 0; }\n\n\/* ---------- Responsive ---------- *\/\n@media (max-width: 1024px) {\n  .tn-bp .rail { display: block; }\n  .tn-bp .rail-n {\n    position: static;\n    display: flex;\n    gap: 12px;\n    align-items: baseline;\n    padding: 0 0 16px;\n    margin: 0 0 22px;\n    border-bottom: 1px solid var(--rule);\n  }\n  .tn-bp .rail-n b { display: inline; }\n  .tn-bp h1, .tn-bp h2 { max-width: none; }\n}\n\n@media (max-width: 860px) {\n  .tn-bp .hero-facts { grid-template-columns: repeat(2, 1fr); }\n  .tn-bp .cards, .tn-bp .cards--3, .tn-bp .rel { grid-template-columns: 1fr; }\n  .tn-bp .tldr-grid { grid-template-columns: 1fr; }\n  .tn-bp .toc-list { columns: 1; }\n  .tn-bp .hero-facts > div:not(:first-child) { padding-left: 0; }\n  .tn-bp .hero-facts > div:nth-child(even) { padding-left: 26px; }\n}\n\n@media (max-width: 560px) {\n  .tn-bp .hero-facts { grid-template-columns: 1fr; }\n  .tn-bp .hero-facts > div { padding-left: 0 !important; }\n  .tn-bp .author { display: block; }\n  .tn-bp .author-img { width: 120px; margin: 0 0 20px; }\n  .tn-bp .ctas a.btn, .tn-bp .ctas a.btn-ghost { width: 100%; }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .tn-bp *, .tn-bp *::before, .tn-bp *::after {\n    transition-duration: .001ms !important;\n    animation-duration: .001ms !important;\n  }\n}\n<\/style>\n\n<div class=\"tn-bp tn-loan\">\n\n<header class=\"hero\">\n  <div class=\"wrap\">\n    <nav class=\"crumbs\" aria-label=\"Breadcrumb\">\n      <ol>\n        <li><a href=\"https:\/\/thenech.com\/en\/\">Home<\/a><\/li>\n        <li><a href=\"https:\/\/thenech.com\/en\/services\/\">Services<\/a><\/li>\n        <li><a href=\"https:\/\/thenech.com\/en\/business-plan\/\">Business plan<\/a><\/li>\n        <li>Business plan for a loan<\/li>\n      <\/ol>\n    <\/nav>\n\n    <p class=\"eyebrow\">Business plan for a loan \u00b7 Warsaw and all of Poland<\/p>\n    <h1>A business plan for a loan that survives bank analysis<\/h1>\n    <p class=\"lead\">We write business plans for bank financing for B2B companies in Warsaw and across Poland. A financial model a credit analyst can follow: the narrative and the numbers say the same thing, and the structure is built around one specific purpose and one specific bank.<\/p>\n\n    <div class=\"ctas\">\n      <a class=\"btn\" href=\"https:\/\/thenech.com\/en\/contact\/\">Book a free consultation<\/a>\n      <a class=\"btn-line\" href=\"#proces\">See how we work<\/a>\n    <\/div>\n    <p class=\"note\">No obligation. Scope and quote are set after the first call, once the purpose of the loan and the bank's requirements are clear.<\/p>\n\n    <dl class=\"hero-facts\">\n      <div><dt>Lead time<\/dt><dd>2 to 3 weeks<\/dd><\/div>\n      <div><dt>Who it is for<\/dt><dd>B2B companies and SMEs<\/dd><\/div>\n      <div><dt>Audience<\/dt><dd>bank, credit analyst<\/dd><\/div>\n      <div><dt>Languages<\/dt><dd>EN \u00b7 PL \u00b7 UA<\/dd><\/div>\n    <\/dl>\n    <p class=\"updated\">Last updated: August 2026<\/p>\n  <\/div>\n<\/header>\n\n<section class=\"tldr\" aria-labelledby=\"short\">\n  <div class=\"wrap\">\n    <h2 id=\"short\" class=\"label\" style=\"margin-bottom:20px\">Business plan for a loan in short<\/h2>\n    <p class=\"tldr-lead\"><strong>A business plan for a loan is the document that shows a bank where the money goes and what pays it back.<\/strong> A bank does not grade the idea, it grades the ability to service debt. So the document that wins is not the prettiest one, it is the one where narrative and numbers agree and hold up under an analyst's questions.<\/p>\n    <dl class=\"tldr-grid\">\n      <div>\n        <dt>When a bank asks for one<\/dt>\n        <dd>investment loans, larger amounts, a new business line or a short trading history<\/dd>\n      <\/div>\n      <div>\n        <dt>How long it takes<\/dt>\n        <dd>usually 2 to 3 weeks, depending on how complete the financial data is<\/dd>\n      <\/div>\n      <div>\n        <dt>How long it is<\/dt>\n        <dd>usually 20 to 35 pages plus the financial model and appendices<\/dd>\n      <\/div>\n      <div>\n        <dt>What decides the outcome<\/dt>\n        <dd>consistency between numbers and narrative, realistic sales assumptions, proven capacity to pay<\/dd>\n      <\/div>\n      <div>\n        <dt>Forecast horizon<\/dt>\n        <dd>3 to 5 years, and for investment loans often the full loan term<\/dd>\n      <\/div>\n      <div>\n        <dt>Who we work with<\/dt>\n        <dd>B2B companies and SMEs in Warsaw and Mazovia, remotely across Poland<\/dd>\n      <\/div>\n    <\/dl>\n  <\/div>\n<\/section>\n\n<nav class=\"toc\" aria-label=\"Table of contents\">\n  <div class=\"wrap\">\n    <p class=\"label\">Contents<\/p>\n    <ol class=\"toc-list\">\n      <li><span>01<\/span><a href=\"#what-it-is\">What a business plan for a loan is<\/a><\/li>\n      <li><span>02<\/span><a href=\"#what-banks-check\">What the bank actually checks<\/a><\/li>\n      <li><span>03<\/span><a href=\"#structure\">What the document should contain<\/a><\/li>\n      <li><span>04<\/span><a href=\"#purposes\">Different loan purposes, different plans<\/a><\/li>\n      <li><span>05<\/span><a href=\"#guarantees\">BGK guarantees in the financing structure<\/a><\/li>\n      <li><span>06<\/span><a href=\"#documents\">Documents to prepare<\/a><\/li>\n      <li><span>07<\/span><a href=\"#mistakes\">7 reasons banks reject business plans<\/a><\/li>\n      <li><span>08<\/span><a href=\"#proces\">How the work runs<\/a><\/li>\n      <li><span>09<\/span><a href=\"#who-for\">Who we work with<\/a><\/li>\n      <li><span>10<\/span><a href=\"#author\">Who writes these plans at the nech<\/a><\/li>\n      <li><span>11<\/span><a href=\"#faq\">Frequently asked questions<\/a><\/li>\n    <\/ol>\n  <\/div>\n<\/nav>\n\n<section class=\"sec\" id=\"what-it-is\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>01<\/b>Basics<\/p>\n      <div class=\"rail-body\">\n        <h2>What is a business plan for a loan and when does a bank require one?<\/h2>\n        <p><span class=\"answer\">A business plan for a loan is the document that justifies a credit application in numbers: it states the purpose of the financing, how the money will be spent and where repayment comes from.<\/span> It differs from a plan written for an investor or for an EU grant because it answers a different question. An investor asks how much they can make. A bank asks whether it gets its capital back with interest, and it reads the document through the worst case rather than the best one.<\/p>\n\n        <div class=\"definition-box\">\n          <p class=\"label\" style=\"margin-bottom:10px\">Definition<\/p>\n          <p>A <strong>business plan for a loan<\/strong> is a document submitted with a credit application that describes the company's business model, its market and the purpose of the financing, and presents financial forecasts for the next 3 to 5 years: profit and loss, cash flow and balance sheet, together with debt service coverage metrics.<\/p>\n        <\/div>\n\n        <h3 class=\"h2-sub\">When banks ask for a plan<\/h3>\n        <p>For a small working capital facility to a company with a long trading history, financial statements are often enough. A business plan for a loan becomes necessary in five situations:<\/p>\n        <ul class=\"dash\">\n          <li><strong>Investment loans.<\/strong> Machinery, a warehouse, property, a vehicle fleet or a new production line. The bank is financing something that does not exist yet, so it wants to see where the revenue to repay it will come from.<\/li>\n          <li><strong>Larger loan amounts.<\/strong> Above the bank's internal threshold the application goes to full analysis rather than a simplified procedure, and then a plan is required almost every time.<\/li>\n          <li><strong>Short trading history.<\/strong> A company one or two years old has no three years of statements to be assessed on. The plan replaces that history with a projection.<\/li>\n          <li><strong>A change of model or market.<\/strong> Entering a new market, a new customer segment, moving from services into production. Historical data stops describing the company's future.<\/li>\n          <li><strong>Loans backed by a BGK guarantee.<\/strong> With a de minimis or Biznesmax Plus guarantee the bank wants the financing structure, including the guarantee, spelled out in the document.<\/li>\n        <\/ul>\n        <p>In each of these cases the plan is not an attachment to the application, it is the argument behind it. If the company is weighing several sources of capital at once, the requirements are worth comparing: a <a href=\"https:\/\/thenech.com\/en\/business-plan\/business-plan-for-eu-grants\/\">business plan for EU grants<\/a> and a <a href=\"https:\/\/thenech.com\/en\/business-plan\/business-plan-for-investor\/\">business plan for an investor<\/a> follow a different logic and a different structure.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec sec--cream\" id=\"what-banks-check\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>02<\/b>Assessment<\/p>\n      <div class=\"rail-body\">\n        <h2>What does a bank check in a business plan?<\/h2>\n        <p><span class=\"answer\">A credit analyst reads the document in a fixed order and looks for answers to six questions.<\/span> They know the sector, they have read hundreds of similar documents this year, and within minutes they can tell which ones do not hold their numbers. Below is what they look at, and the mistake that usually surfaces there.<\/p>\n\n        <div class=\"tablewrap\">\n          <table>\n            <caption>Six areas of bank analysis<\/caption>\n            <thead>\n              <tr><th scope=\"col\">Area<\/th><th scope=\"col\">What the analyst looks at<\/th><th scope=\"col\">Most common mistake<\/th><\/tr>\n            <\/thead>\n            <tbody>\n              <tr><td>Purpose of the loan<\/td><td>Whether the amount, the use and the spending schedule are specific and costed<\/td><td>A vague line such as \"for growth\" with no breakdown<\/td><\/tr>\n              <tr><td>Source of repayment<\/td><td>Whether the instalment fits inside cash flow from current operations<\/td><td>Repayment funded by growth that has not happened yet<\/td><\/tr>\n              <tr><td>Sales forecast<\/td><td>Whether growth traces back to named customers, contracts and market size<\/td><td>Revenue rising 40 percent a year with nothing behind it<\/td><\/tr>\n              <tr><td>Internal consistency<\/td><td>Whether the narrative and the financial tables tell the same story<\/td><td>The text promises three new markets, the model does not show them<\/td><\/tr>\n              <tr><td>Debt service capacity<\/td><td>The ratios the bank calculates anyway, including DSCR and debt to EBITDA<\/td><td>No calculation shown, so the analyst runs it and gets a worse answer<\/td><\/tr>\n              <tr><td>Security and equity<\/td><td>The financing structure: how much the company puts in, how much the bank, what secures it<\/td><td>Nothing about own contribution or about a de minimis guarantee<\/td><\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n\n        <p class=\"note\">DSCR (debt service coverage ratio) shows how many times operating cash flow covers the principal and interest instalment. Banks typically expect a value above 1.2, and higher for riskier projects. If the business plan for a loan does not show it, the analyst will calculate it and will be more conservative than the company would have been.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec\" id=\"structure\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>03<\/b>Structure<\/p>\n      <div class=\"rail-body\">\n        <h2>What should a business plan for a loan contain?<\/h2>\n        <p><span class=\"answer\">A good business plan for a loan answers the analyst's questions before they are asked.<\/span> Order matters: the analyst starts with the executive summary and wants the amount, the purpose and the repayment source right there. Below are the eight elements that in practice make a complete business plan for a loan.<\/p>\n\n        <div class=\"cards col-wide\">\n          <div class=\"card\">\n            <p class=\"label\">01<\/p>\n            <h3>Executive summary<\/h3>\n            <p>Purpose, amount, use of funds and source of repayment in the first paragraph. It is the one page the analyst will certainly read.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">02<\/p>\n            <h3>Company and business model<\/h3>\n            <p>What the company does, how it makes money, its history, customers and market position. Concrete, with no marketing filler.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">03<\/p>\n            <h3>Market and competition<\/h3>\n            <p>Real market size, demand, pricing and the company's edge. This section justifies the sales forecast, not the other way round.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">04<\/p>\n            <h3>Purpose and use of funds<\/h3>\n            <p>Exactly what the money buys, on what schedule, and how the investment converts into revenue or savings.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">05<\/p>\n            <h3>Financial forecast, 3 to 5 years<\/h3>\n            <p>Profit and loss, cash flow and balance sheet, consistent with each other and with the narrative, with assumptions stated openly.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">06<\/p>\n            <h3>Debt service capacity<\/h3>\n            <p>The ratios the bank computes anyway, DSCR among them. We show the instalment is paid from operations, not from hope.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">07<\/p>\n            <h3>Risk analysis and scenarios<\/h3>\n            <p>Base, conservative and downside cases plus a response plan. Banks respect a document that does not pretend risk away.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">08<\/p>\n            <h3>Security and financing structure<\/h3>\n            <p>Own contribution, collateral and, where it applies, a de minimis or Biznesmax Plus guarantee from BGK.<\/p>\n          <\/div>\n        <\/div>\n\n        <p class=\"h2-sub\">Appendices sit on top of that: financial statements, contracts with key customers, supplier quotes for the investment, a cost estimate and a spending schedule. The financial model is usually delivered separately as a spreadsheet, so the analyst can change one assumption and watch what happens to the instalment.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec sec--cream\" id=\"purposes\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>04<\/b>Purposes<\/p>\n      <div class=\"rail-body\">\n        <h2>Different loan purposes need different plans<\/h2>\n        <p><span class=\"answer\">Not every business plan for a loan looks the same: a working capital facility and a large capital expenditure put the weight on completely different numbers.<\/span> Before writing a business plan for a loan starts we settle which type of loan it is, because that drives the forecast horizon, the depth of the model and what belongs on page one.<\/p>\n\n        <div class=\"tablewrap\">\n          <table>\n            <caption>Four common loan purposes and what they demand<\/caption>\n            <thead>\n              <tr><th scope=\"col\">Loan purpose<\/th><th scope=\"col\">Where the money goes<\/th><th scope=\"col\">What matters in the document<\/th><th scope=\"col\">Horizon<\/th><\/tr>\n            <\/thead>\n            <tbody>\n              <tr><td>Working capital<\/td><td>Liquidity, payment gaps, inventory, invoice financing<\/td><td>Cash flow and the cash conversion cycle, sales seasonality<\/td><td>12 to 36 months<\/td><\/tr>\n              <tr><td>Investment loan<\/td><td>Machinery, a hall, property, fleet, added capacity<\/td><td>Return on the investment, spending schedule, DSCR<\/td><td>up to 120 months<\/td><\/tr>\n              <tr><td>Loan with a de minimis guarantee<\/td><td>Working capital or investment where collateral is limited<\/td><td>Financing structure with the guarantee as part of the security<\/td><td>matched to the loan<\/td><\/tr>\n              <tr><td>Growth and expansion financing<\/td><td>Entering a new market, scaling B2B sales, a new service line<\/td><td>An expansion strategy tied to the forecast and the cost of entry<\/td><td>3 to 5 years<\/td><\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n\n        <p class=\"h2-sub\">For expansion financing a business plan for a loan only works when a costed <a href=\"https:\/\/thenech.com\/en\/market-expansion-strategy\/\">market expansion strategy<\/a> or a <a href=\"https:\/\/thenech.com\/en\/polish-market-entry\/\">Polish market entry analysis<\/a> sits behind it. A bank can tell the difference between a plan that follows from strategy and a plan written for the application.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec\" id=\"guarantees\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>05<\/b>Security<\/p>\n      <div class=\"rail-body\">\n        <h2>BGK guarantees in the financing structure<\/h2>\n        <p><span class=\"answer\">A guarantee from Bank Gospodarstwa Krajowego, Poland's state development bank, replaces part of the collateral and very often decides whether a company without fixed assets gets a loan at all.<\/span> For the bank it lowers risk, for the company it is a way to borrow without pledging property. In the business plan for a loan we describe it as part of the financing structure and carry its cost into the forecast.<\/p>\n\n        <h3 class=\"h2-sub\">De minimis guarantee<\/h3>\n        <p>The most widely used security for micro, small and medium companies. It covers part of the loan principal, applies to both working capital and investment facilities, and is applied for at the lending bank rather than at BGK. Current terms, including the share covered, the maximum period and the fee, are published by <a href=\"https:\/\/www.bgk.pl\/male-i-srednie-przedsiebiorstwa\/zabezpieczenie-finansowania\/gwarancja-de-minimis\/\" rel=\"noopener\" target=\"_blank\">Bank Gospodarstwa Krajowego<\/a>. At most lending banks the guarantee covers up to 60 percent of the loan, for up to 120 months on an investment facility.<\/p>\n\n        <h3 class=\"h2-sub\">Biznesmax Plus guarantee<\/h3>\n        <p>Designed for companies investing in innovation, eco-innovation or digital transformation. It covers up to 80 percent of loan principal, carries a higher ceiling and is free of charge, but the project has to meet eligibility conditions. The details and the full list of conditions are set out in the <a href=\"https:\/\/grupapfr.pl\/produkt\/gwarancja-biznesmax-plus\" rel=\"noopener\" target=\"_blank\">PFR Group product page<\/a>. If the investment fits those categories it is worth checking before offering the bank a mortgage.<\/p>\n\n        <ul class=\"dash\">\n          <li><strong>A guarantee does not excuse a weak document.<\/strong> The bank still assesses creditworthiness and still reads the forecast. The guarantee changes only the level of security.<\/li>\n          <li><strong>The cost of the guarantee belongs in the model.<\/strong> Any commission goes into the cash flow so that the debt service ratio is calculated honestly.<\/li>\n          <li><strong>Terms change over time.<\/strong> Before the application we confirm the current coverage with the lending bank, because each bank implements the scheme on its own terms.<\/li>\n        <\/ul>\n\n        <p>Practical information on formalities for entrepreneurs in Poland is collected on the government portal <a href=\"https:\/\/www.biznes.gov.pl\/\" rel=\"noopener\" target=\"_blank\">biznes.gov.pl<\/a>, and the preferential terms are described on <a href=\"https:\/\/www.gov.pl\/web\/gov\/uzyskaj-korzystniejsze-warunki-gwarancji-de-minimis-z-bgk\" rel=\"noopener\" target=\"_blank\">gov.pl<\/a>.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec sec--cream\" id=\"documents\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>06<\/b>Documents<\/p>\n      <div class=\"rail-body\">\n        <h2>What documents to prepare before we start<\/h2>\n        <p><span class=\"answer\">The better organised the data, the shorter the time needed to write the business plan for a loan.<\/span> A company with tidy bookkeeping and ready sales reports cuts a dozen hours off the work. Below is the input list for a business plan for a loan that we send clients after the first call.<\/p>\n\n        <div class=\"tablewrap\">\n          <table>\n            <caption>Input data for the plan<\/caption>\n            <thead>\n              <tr><th scope=\"col\">Group<\/th><th scope=\"col\">What exactly<\/th><th scope=\"col\">Why the bank needs it<\/th><\/tr>\n            <\/thead>\n            <tbody>\n              <tr><td>Financials<\/td><td>Statements or tax books for 2 to 3 years, current turnover, cost structure, outstanding liabilities<\/td><td>The starting point of the forecast and current capacity<\/td><\/tr>\n              <tr><td>Sales<\/td><td>Revenue split by customer and product, framework contracts, order backlog<\/td><td>Verification that the forecast growth is actually covered<\/td><\/tr>\n              <tr><td>Investment<\/td><td>Cost estimate, supplier quotes, schedule, permits where required<\/td><td>Confirms the loan amount and the drawdown timeline<\/td><\/tr>\n              <tr><td>Formal<\/td><td>KRS or CEIDG entry, articles of association, clean certificates from ZUS and the tax office<\/td><td>Formal conditions for the loan and the guarantee<\/td><\/tr>\n              <tr><td>Security<\/td><td>Property valuation, fixed asset register, information on own contribution<\/td><td>The security structure and the bank's risk level<\/td><\/tr>\n            <\/tbody>\n          <\/table>\n        <\/div>\n\n        <p class=\"h2-sub\">Not every item is needed on every project. A working capital facility drops the whole investment section, an investment loan raises the weight of the cost estimate and the schedule. We agree the scope on the first call so nobody collects documents the bank will never read.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec\" id=\"mistakes\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>07<\/b>Mistakes<\/p>\n      <div class=\"rail-body\">\n        <h2>7 reasons banks reject business plans<\/h2>\n        <p><span class=\"answer\">In most cases the problem is not the business, it is the document describing it.<\/span> Below are the seven reasons a business plan for a loan gets rejected that come back most often, and how each of them can be removed before the application is filed.<\/p>\n\n        <ol class=\"steps\">\n          <li><strong>A template filled in quickly.<\/strong> The plan does not answer the questions a bank actually asks, and it shows it was not written for this loan. Fix: start from the purpose of the financing and the specific bank's requirements, then build the structure.<\/li>\n          <li><strong>A forecast detached from the market.<\/strong> Revenue growing 40 percent a year with no support in demand, pricing or capacity. Fix: derive every increase from something concrete, a signed contract, a new channel or a calculated market size.<\/li>\n          <li><strong>The narrative contradicts the numbers.<\/strong> The text says one thing, the financial table another. That is the single most common warning sign for whoever assesses the file. Fix: write the model and the text together rather than by two separate people.<\/li>\n          <li><strong>No financing structure.<\/strong> The document does not show where the money comes from, what the own contribution is, or whether a de minimis guarantee is in play. Fix: a dedicated section on financing structure broken down by source.<\/li>\n          <li><strong>No debt service metrics.<\/strong> The company does not calculate DSCR, so the analyst does it and applies more conservative assumptions. Fix: show the ratios in the document together with the method behind them.<\/li>\n          <li><strong>One scenario, always optimistic.<\/strong> A plan in which nothing can go wrong reads as marketing material. Fix: three scenarios and a short description of how the company responds in the downside case.<\/li>\n          <li><strong>A loan amount with no breakdown.<\/strong> An application for a round number with no evidence of what it buys. Fix: a line by line spending schedule tied to supplier quotes.<\/li>\n        <\/ol>\n\n        <p>None of these failures is about the quality of the business. All of them are about the document. That is why a rejected business plan for a loan can usually be repaired without changing the company's strategy, although sometimes the conversation ends with the conclusion that a different source of financing makes more sense.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec sec--cream\" id=\"proces\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>08<\/b>Process<\/p>\n      <div class=\"rail-body\">\n        <h2>How the work runs<\/h2>\n        <p><span class=\"answer\">A business plan for a loan is built in five steps, from the conversation about the purpose of the financing to support in the meeting with the bank.<\/span> The whole thing usually takes 2 to 3 weeks from the moment the financial data is complete.<\/p>\n\n        <div class=\"cards cards--3 col-wide\">\n          <div class=\"card\">\n            <p class=\"label\">Step 01 \u00b7 2 to 3 days<\/p>\n            <h3>Purpose of the loan<\/h3>\n            <p>We establish what the financing is for, which type of loan it is and what the specific bank expects. This is also where it becomes clear whether a loan is the right instrument at all.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">Step 02 \u00b7 3 to 5 days<\/p>\n            <h3>Data and analysis<\/h3>\n            <p>We collect financial and market data and analyse the business model, the revenue structure and current debt service capacity.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">Step 03 \u00b7 4 to 6 days<\/p>\n            <h3>Financial model and forecast<\/h3>\n            <p>We build a 3 to 5 year forecast: profit and loss, cash flow, balance sheet and the ratios the bank analyses, in three scenarios.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">Step 04 \u00b7 4 to 6 days<\/p>\n            <h3>Writing the plan<\/h3>\n            <p>We assemble a consistent document in which the narrative and the numbers say the same thing, with appendices and a spending schedule.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">Step 05 \u00b7 after filing<\/p>\n            <h3>Support at the bank<\/h3>\n            <p>We prepare the owner for the meeting with the analyst and help answer the bank's follow-up questions if any come back.<\/p>\n          <\/div>\n          <div class=\"card\">\n            <p class=\"label\">What we do not promise<\/p>\n            <h3>The credit decision<\/h3>\n            <p>The bank decides, based on creditworthiness and security. We are accountable for the document not being rejected because of errors, contradictions or missing analysis.<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec\" id=\"who-for\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>09<\/b>Clients<\/p>\n      <div class=\"rail-body\">\n        <h2>Who we write business plans for<\/h2>\n        <p><span class=\"answer\">We write a business plan for a loan for operating B2B companies that need real capital, not a document for the drawer.<\/span> Our office is in Warsaw and we meet clients from the Mazovia region in person, while working remotely with companies across Poland.<\/p>\n        <ul class=\"dash\">\n          <li><strong>Small and mid-sized B2B companies in Warsaw and Mazovia<\/strong> financing growth, inventory or the purchase of fixed assets.<\/li>\n          <li><strong>Companies in construction, energy, industry and technology<\/strong>, where the investment has a clear cost estimate and schedule.<\/li>\n          <li><strong>Foreign-owned companies entering the Polish market<\/strong>, which banks hold to higher documentation standards. Here we usually combine the plan with <a href=\"https:\/\/thenech.com\/en\/business-development-poland\/\">business development in Poland<\/a>.<\/li>\n          <li><strong>Owners preparing for the meeting with the bank<\/strong> who want to know every number in the document and be able to defend it.<\/li>\n          <li><strong>Companies that were turned down<\/strong> and want to understand exactly what failed in the document before applying again.<\/li>\n        <\/ul>\n        <p>We do not write plans for consumer loans or for start-up grants from labour offices. If you are looking for capital in another form, separate routes lead there: an <a href=\"https:\/\/thenech.com\/en\/business-plan\/business-plan-for-eu-grants\/\">EU grant<\/a>, an <a href=\"https:\/\/thenech.com\/en\/business-plan\/business-plan-for-investor\/\">investment round<\/a> or an <a href=\"https:\/\/thenech.com\/en\/business-plan\/business-plan-sp-z-oo\/\">internal plan for a sp. z o.o.<\/a><\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec sec--cream\" id=\"author\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>10<\/b>Author<\/p>\n      <div class=\"rail-body\">\n        <h2>Who writes these plans at the nech<\/h2>\n        <div class=\"author\">\n          <figure class=\"author-img\">\n            <img loading=\"lazy\" src=\"https:\/\/thenech.com\/wp-content\/uploads\/2026\/08\/dima-nechyporenko-mowca-biznesowy-mowa-540.webp\" width=\"540\" height=\"335\" alt=\"Dima V. Nechyporenko, author of business plans for bank financing at the nech\" loading=\"lazy\" decoding=\"async\">\n          <\/figure>\n          <div class=\"author-body\">\n            <h3>Dima V. Nechyporenko<\/h3>\n            <p>Founder of <a href=\"https:\/\/thenech.com\/en\/\">the nech<\/a> and a B2B business advisor. Works with companies in Warsaw, across Poland and in Europe on strategy, expansion and growth financing. 19 years of operating experience in three sectors, renewable energy, real estate development and corporate strategy, across four markets: Poland, Ukraine, the United Arab Emirates and Canada.<\/p>\n            <p>The financial forecasts in our plans are not a theoretical exercise. They are built the same way we costed our own capital projects and EPC contracts, with the consequences landing on the owner rather than the adviser. Professional profile: <a href=\"https:\/\/www.linkedin.com\/in\/dmytronch\/\" rel=\"noopener\" target=\"_blank\">LinkedIn<\/a>.<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec\" id=\"faq\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>11<\/b>FAQ<\/p>\n      <div class=\"rail-body\">\n        <h2>Frequently asked questions<\/h2>\n\n        <div class=\"faq\">\n          <details>\n            <summary>How much does a business plan for a loan cost?<\/summary>\n            <div class=\"faq-a\"><p>The price of a business plan for a loan depends on the type of loan, the size of the company and the scope of the financial forecast. We give a fixed price in PLN after the first call, once the purpose of the financing and the specific bank's requirements are clear. The first call is free and carries no obligation.<\/p><\/div>\n          <\/details>\n          <details>\n            <summary>How long does it take to prepare?<\/summary>\n            <div class=\"faq-a\"><p>Typically 2 to 3 weeks from the point where the financial data is complete. A simple working capital facility can be faster, a large investment with a cost estimate and permits takes longer. Urgent deadlines are agreed case by case.<\/p><\/div>\n          <\/details>\n          <details>\n            <summary>Do you guarantee that the bank will approve the loan?<\/summary>\n            <div class=\"faq-a\"><p>No. The bank decides, based on creditworthiness, trading history and security, none of which any adviser controls. Our job is to produce a business plan for a loan and a forecast that survive bank analysis and give no grounds for rejection on formal or substantive terms.<\/p><\/div>\n          <\/details>\n          <details>\n            <summary>Do you account for a de minimis or Biznesmax Plus guarantee from BGK?<\/summary>\n            <div class=\"faq-a\"><p>Yes. If the loan is to be secured by a de minimis or Biznesmax Plus guarantee, we describe it in the plan, build it into the financing structure and carry the cost of the guarantee into the cash flow forecast. We confirm the current coverage with the lending bank before the application is filed.<\/p><\/div>\n          <\/details>\n          <details>\n            <summary>How many years should the financial forecast cover?<\/summary>\n            <div class=\"faq-a\"><p>Three to five years is the standard. For an investment loan the forecast usually runs to the end of the loan term so the bank can see debt service through to the final instalment. For working capital a horizon of 12 to 36 months, with the first year broken down monthly, is often enough.<\/p><\/div>\n          <\/details>\n          <details>\n            <summary>Is a plan enough if the company has no collateral?<\/summary>\n            <div class=\"faq-a\"><p>A business plan for a loan does not replace security on its own, but it shows the bank that the risk has been calculated. For companies without fixed assets the BGK guarantee, the own contribution and the quality of cash flow become decisive. We describe all three together, because the bank assesses them together.<\/p><\/div>\n          <\/details>\n          <details>\n            <summary>How is a plan for a bank different from a plan for an investor?<\/summary>\n            <div class=\"faq-a\"><p>A bank asks whether it gets its capital back with interest, so it reads the conservative case, the cash flow and the security. An investor asks how much they can make, so they read market size, growth rate and valuation. The same business needs two different documents. We cover this on the <a href=\"https:\/\/thenech.com\/en\/business-plan\/business-plan-for-investor\/\">business plan for an investor<\/a> page.<\/p><\/div>\n          <\/details>\n          <details>\n            <summary>Do you work with companies outside Warsaw?<\/summary>\n            <div class=\"faq-a\"><p>Yes. Our office is in Warsaw and we meet Mazovia clients in person, but we work remotely with companies across Poland. The entire process, including work on the financial model, can be run remotely.<\/p><\/div>\n          <\/details>\n          <details>\n            <summary>The bank rejected my plan. Can anything still be done?<\/summary>\n            <div class=\"faq-a\"><p>Usually yes. We start with a review of the document and of the reason given for the refusal, where the bank provided one. In most cases the problem is inconsistency, an over-optimistic forecast or unproven debt service capacity rather than the business itself. After the review we say plainly whether a revision is worth it or whether a different bank or a different instrument makes more sense.<\/p><\/div>\n          <\/details>\n          <details>\n            <summary>Which languages do you write in?<\/summary>\n            <div class=\"faq-a\"><p>English, Polish and Ukrainian. A business plan for a loan addressed to a Polish bank is written in Polish, and the English or Ukrainian version is produced for the board, the parent company or co-owners. Financial terminology stays consistent across versions.<\/p><\/div>\n          <\/details>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"sec sec--rule\" id=\"sources\">\n  <div class=\"wrap\">\n    <div class=\"rail\">\n      <p class=\"rail-n\"><b>12<\/b>Sources<\/p>\n      <div class=\"rail-body\">\n        <h2>Sources and further reading<\/h2>\n        <ul class=\"sources\">\n          <li><a href=\"https:\/\/www.bgk.pl\/male-i-srednie-przedsiebiorstwa\/zabezpieczenie-finansowania\/gwarancja-de-minimis\/\" rel=\"noopener\" target=\"_blank\">Bank Gospodarstwa Krajowego, de minimis guarantee<\/a>: current coverage, term and fee.<\/li>\n          <li><a href=\"https:\/\/grupapfr.pl\/produkt\/gwarancja-biznesmax-plus\" rel=\"noopener\" target=\"_blank\">PFR Group, Biznesmax Plus guarantee<\/a>: eligibility conditions and limits.<\/li>\n          <li><a href=\"https:\/\/www.gov.pl\/web\/gov\/uzyskaj-korzystniejsze-warunki-gwarancji-de-minimis-z-bgk\" rel=\"noopener\" target=\"_blank\">gov.pl, de minimis guarantee terms<\/a>: the procedure step by step.<\/li>\n          <li><a href=\"https:\/\/www.biznes.gov.pl\/\" rel=\"noopener\" target=\"_blank\">biznes.gov.pl<\/a>: formalities and obligations for companies in Poland.<\/li>\n        <\/ul>\n\n        <h3 class=\"h2-sub\">Related pages<\/h3>\n        <div class=\"rel col-wide\">\n          <a href=\"https:\/\/thenech.com\/en\/business-plan\/\">\n            <p class=\"label\">Service overview<\/p>\n            <b>Business plan Warsaw<\/b>\n            <span>Every type of business plan and a comparison of who reads them.<\/span>\n          <\/a>\n          <a href=\"https:\/\/thenech.com\/en\/business-plan\/business-plan-for-investor\/\">\n            <p class=\"label\">Capital<\/p>\n            <b>Business plan for an investor<\/b>\n            <span>Financial model, valuation and growth logic before a funding round.<\/span>\n          <\/a>\n          <a href=\"https:\/\/thenech.com\/en\/business-plan\/business-plan-sp-z-oo\/\">\n            <p class=\"label\">Board<\/p>\n            <b>Business plan for a sp. z o.o.<\/b>\n            <span>An internal growth plan, budget and priorities for the coming year.<\/span>\n          <\/a>\n          <a href=\"https:\/\/thenech.com\/en\/business-strategy\/\">\n            <p class=\"label\">Strategy<\/p>\n            <b>Business strategy<\/b>\n            <span>The direction every credible financial forecast rests on.<\/span>\n          <\/a>\n          <a href=\"https:\/\/thenech.com\/en\/sales-development-poland\/\">\n            <p class=\"label\">Sales<\/p>\n            <b>B2B sales development<\/b>\n            <span>Where the revenue growth assumed in the plan actually comes from.<\/span>\n          <\/a>\n          <a href=\"https:\/\/thenech.com\/en\/services\/\">\n            <p class=\"label\">Scope<\/p>\n            <b>All services<\/b>\n            <span>Strategy consulting, expansion and market analysis for B2B companies.<\/span>\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"final\">\n  <div class=\"wrap\">\n    <p class=\"eyebrow\">Invitation<\/p>\n    <h2>Need a plan that gets through the bank?<\/h2>\n    <p>Let us talk about what you are financing. On the first call we establish the type of loan, the bank's requirements and the scope of the document, and you get an honest answer on whether a business plan for a loan is the right route here.<\/p>\n    <div class=\"ctas\">\n      <a class=\"btn\" href=\"https:\/\/thenech.com\/en\/contact\/\">Book a free consultation<\/a>\n      <a class=\"btn-ghost\" href=\"https:\/\/thenech.com\/en\/about-us\/\">About the nech<\/a>\n    <\/div>\n    <p class=\"note\">We reply within 24 business hours. The first call is free and carries no obligation.<\/p>\n  <\/div>\n<\/section>\n\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Services Business plan Business plan for a loan Business plan for a loan \u00b7 Warsaw and all of Poland [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1642,"parent":1104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1668","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/thenech.com\/en\/wp-json\/wp\/v2\/pages\/1668","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thenech.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/thenech.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/thenech.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thenech.com\/en\/wp-json\/wp\/v2\/comments?post=1668"}],"version-history":[{"count":15,"href":"https:\/\/thenech.com\/en\/wp-json\/wp\/v2\/pages\/1668\/revisions"}],"predecessor-version":[{"id":3138,"href":"https:\/\/thenech.com\/en\/wp-json\/wp\/v2\/pages\/1668\/revisions\/3138"}],"up":[{"embeddable":true,"href":"https:\/\/thenech.com\/en\/wp-json\/wp\/v2\/pages\/1104"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thenech.com\/en\/wp-json\/wp\/v2\/media\/1642"}],"wp:attachment":[{"href":"https:\/\/thenech.com\/en\/wp-json\/wp\/v2\/media?parent=1668"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}