Free small business plan template for Main Street businesses. Designed for restaurant, retail, salon, service, and local business owners planning for growth or seeking an SBA loan.
Designed for Main Street, Not Silicon Valley
Most business plan templates are built for tech startups seeking venture capital. This template is built for the businesses that make up most of the economy: restaurants, retail shops, service companies, salons, contractors, and local businesses planning for growth or applying for an SBA loan.
Template Sections
- Business Overview — Legal name, structure, location, founding story
- Mission Statement — Why your business exists beyond making money
- Products & Services — What you sell, pricing, and margins
- Market Analysis — Local market size, demographics, and demand drivers
- Competitive Analysis — Direct and indirect competitors with your advantages
- Marketing Plan — How you'll attract and keep customers (online + offline)
- Operations Plan — Location, hours, equipment, staff, suppliers
- Management Team — Owner background, key employees, advisors
- Financial Plan — Startup costs, monthly expenses, revenue projections
- Funding Request — If applying for a loan: amount, purpose, repayment plan
SBA Loan Financial Requirements
| Document | What Lenders Check |
|---|
| Income Statement | Revenue trend and profitability (3 years if existing) |
| Cash Flow Projection | Ability to repay the loan from operations |
| Balance Sheet | Assets available as collateral |
| Personal Financial Statement | Owner's personal assets and liabilities |
How to Use This Template
- Download in Word or PDF format
- Fill in your specific business details — be concrete, not aspirational
- For financial sections, use actual numbers if you have them, conservative estimates if you don't
- Have your accountant review before submitting to a bank
Who This Template Serves
Ideal for restaurants, cafes, retail stores, beauty salons, landscaping companies, cleaning businesses, HVAC contractors, auto repair shops, fitness studios, and any local service business planning for the next 1-3 years.