A credit file is rarely refused on the quality of the project. It is refused because the figures do not reconcile from one table to the next, because a ratio the analyst computes mechanically falls on the wrong side, or because the structure does not answer the questions being asked.
This template is built backwards: from what the bank recalculates, not from what the founder wants to tell. Assumption cells are isolated and flagged; everything else is linked, and therefore consistent by construction.
This is not a business plan. It is the tool that keeps you from making formal errors. The content stays yours.
What you receive
- A fully linked Excel workbook: capital expenditure, funding, five-year forecast P&L, monthly cash plan for year one, repayment schedule.
- A twelve-section Word structure, each with what the bank is looking for in it.
- A ratio sheet computed automatically — the same ratios the analyst recalculates.
Included
- Template updates for 12 months
- One written answer to usage questions
Not included
- Filling the template with your own figures
- Verification of your commercial assumptions
- Any support in dealing with the bank
Frequently asked questions
Does it follow an official template?
No, and no business plan format is imposed by any text for an ordinary credit application. The template follows the structure expected in practice by local banks. For an investment registered with AAPI, the governing format is the nine-part template in Annex V of Executive Decree 26-154 — see the techno-economic study offer.
Do I need Excel, or will LibreOffice do?
The workbook opens in both. No recent proprietary function is used.
Does it guarantee the credit will be granted?
No. No tool can, and we give no undertaking as to outcome. It removes one category of failure — inconsistency and presentation — that loses otherwise sound files.