Your business plan and 12-month cashflow, prepared from your own answers
For a Microfinance Ireland loan, the Back to Work or Short-Term Enterprise Allowance, or a bank or credit union loan. This is a paid service: €99, one-off. You check your figures before you pay, and a person prepares your pack and emails it within two working days.
- Checked by a person before it is sent
- Nothing to upload. No PPS number, no bank statements
- Secure payment by Stripe
- 14-day money-back promise
How it works
- Put in your figuresAbout ten minutes. Your sales and costs, and you see your bank balance month by month for a year before you pay anything.
- Pay €99 and answer the questionsPay by card, Apple Pay or Google Pay. Then answer the questions about your business, about 20 minutes, with your figures already filled in.
- Your pack arrivesWithin two working days, checked by a person. You add the few details only you should handle, sign, and send it yourself.
Three packs, one price
You pick the one that matches where the application is going. The questions are nearly the same for all three.
Microfinance Ireland loan pack
For a State-backed loan of €2,000 to €50,000.
- Their application form filled in from your answers, business plan section included
- Your 12-month cashflow on their own spreadsheet
- A checklist of what to attach
- A one-page list of the boxes we leave for you, and why
Start-your-own-business pack
For the Back to Work Enterprise Allowance or the Short-Term Enterprise Allowance.
- Your business plan under the headings the Department of Social Protection asks for
- Your 12-month cashflow, month by month
- A prep sheet for the meeting with your adviser
- A guide to the application form, and a list for the Enterprise Support Grant
Bank and credit union loan pack
For a bank, a credit union or another lender.
- Your business plan in the layout lenders expect
- Your 12-month cashflow as a spreadsheet, with the loan repayments built in
- A one-page loan request
- A checklist of what the lender will ask for
What the pages look like
Bank at the end of each month
| Nov | Dec | Jan | Feb | Mar |
|---|---|---|---|---|
| 4,150 | 2,980 | 1,640 | 1,910 | 2,870 |
The lowest point is €1,640 in January. The loan repayment of €307 a month starts in December and is included.
Sample, for an example business5. What the money is for
The loan of €10,000 pays for the van conversion (€6,200), the espresso machine and grinder (€2,900) and opening stock (€900). The owner is putting in €3,000 of her own savings.
Sample, for an example businessThe boxes we left for you
Your PPS number and date of birth, page 5. Your personal income and loans, page 5. Your signature, pages 1 and 7. We never ask for these, so they stay with you.
Sample, for an example businessWhat it costs to get this done
What we leave to you
- Your PPS number, date of birth, bank statements and accounts. We never see them. You add them when you send the application.
- Sending the application. It goes from you, signed by you.
- The decision to borrow. We prepare paperwork. We do not give financial advice.
Common questions
What exactly do I get?
A written business plan and a 12-month cashflow, both built from your own answers, plus a checklist of what to attach. For a Microfinance Ireland loan you also get their application form filled in and the cashflow on their own spreadsheet. For an enterprise allowance you also get a prep sheet for the meeting with your adviser.
How long does it take?
Putting in your figures takes about ten minutes. After you pay, the questions about your business take about 20 minutes. Your pack is then prepared, checked by a person and emailed to you within two working days.
Do you write the plan, or do I?
You tell us about the business in your own words. We put it under the headings the funder asks for, tidy the wording and do the figures. The plan has to be yours, because you will be asked about it, so we keep it in your words and never invent anything.
Will I be approved?
We cannot promise that. The lender or the Department of Social Protection decides. What we promise is an application that is complete and clear, with nothing left vague.
What if my figures do not work?
You see your cashflow on screen before you pay anything. If the bank balance goes below zero it tells you which months, and you can change your figures as often as you like.
Do you need my bank statements or PPS number?
No. We never ask for a PPS number, a date of birth, bank statements or accounts. You add those yourself when you send the application.
Can I get my money back?
Yes. If the pack is not right for you, tell us within 14 days and we refund you in full.
Is this financial advice?
No. We prepare paperwork from what you tell us. We are not a lender, a broker or a financial adviser, and we take no payment from any lender.
Order your plan pack
€99, one-off. You put in your figures and check your cashflow first, then pay and answer the questions.
Order my plan pack, €99