From Business Vision to Bankable Reality
Every day, capable entrepreneurs walk into a bank with a strong business and walk out without financing. Touchpoint Planning bridges that gap building bank ready business plans and financial projections that lenders use to underwrite accurately, honestly, and reconcile to the dollar.
We Build Defensible Models That Hold Up Under Scrutiny.
A founder sees a thriving daycare, a growing practice, a community serving business. An underwriter sees something else entirely different. They see debt service coverage ratio, a global cash flow analysis, a five-year projection that either ties out or doesn't. We speak both languages. When a business has a vision that is strong, we show why.
The Engine Behind Every Engagement
At the heart of our work is a proprietary financial projection workbook an underwriting grade model built to keep the promise in our name.
Information that makes the business unique from pricing and capacity to staffing, ramp-up, and use of funds flows in through 132 structured inputs.
Those inputs drive up to 21 tabs of underwriting grade analysis covering debt service coverage, global cash flow, sensitivity, debt capacity, and break even.
Integrated profit and loss, cash flow, and balance sheet models reconcile to the dollar each year creating one coherent financial story an underwriter can trust.
Our Services
Bank Ready Business Plan
Your complete story, told in the language lenders trust.
We create bank ready business plans that lenders use to underwrite accurately and honestly. This isn't a template it's a professionally written narrative built around your specific business, your market, and the deal structure a lender needs to see. Every plan is designed to hold up under the scrutiny of SBA lenders, commercial banks, and private investors.
What's Included
- Executive summary aligned to lender expectations
- Market analysis and competitive positioning
- Operations and management structure
- Marketing and sales strategy
- Deal structure and use of funds narrative
Underwriting Grade Financial Projections
Numbers that reconcile to the dollar every year.
Our proprietary projection workbook is built to the standard lenders actually use. With 132 structured inputs and up to 21 tabs of analysis, we produce integrated P&L, cash flow, and balance sheet models that reconcile to the dollar each year. The result is one coherent financial story an underwriter can trust not a spreadsheet that raises more questions than it answers.
What's Included
- 3–5 year pro forma income statement
- Monthly and annual cash flow projections
- Balance sheet projections (reconcile to the dollar)
- Debt service coverage ratio (DSCR) analysis
- Global cash flow analysis
- Sensitivity and debt capacity analysis
- Break-even analysis with assumption documentation
Lender Ready Loan Package
A polished, protected package you can confidently present.
We manage the financial work from start to finish. A clear, guided intake process collects exactly the business, financial, and owner information the model needs nothing wasted. We then prepare the business plan and projection workbook, restructuring the deal where needed to reach lender thresholds, and deliver a polished, protected package ready to present to a bank or the SBA.
What's Included
- Complete business plan and financial projection package
- Structured intake and document checklist
- Deal restructuring where needed to reach lender thresholds
- Executive summary tailored to the lender
- Polished, protected final delivery
- Submission guidance and review support
Agency & Community Group Partnership
Better outcomes for the entrepreneurs you support.
When you refer an entrepreneur to Touchpoint Planning, you're partnering to close the gap of financial translation. We help first time and underserved founders access capital they might otherwise be denied advancing the same mission your organization serves. We tell the truth: when a deal needs work, we say so and show what would make it work, protecting your clients and your credibility.
What's Included
- Lender ready plan and fully reconciled projection
- Structured intake no burden on your team or staff
- Honest assessment: we show what works and what needs restructuring
- Mission aligned support for first-time and underserved founders
- A partner who manages the financial work start to finish
How It Works
Referral or Intake
You connect us with the entrepreneur, or they come to us directly.
Structured Gathering
A clear, guided checklist collects exactly the business, financial, and owner information the model needs nothing wasted.
We Build the Story
We prepare the business plan and projection workbook, restructuring the deal where needed to reach lender thresholds.
Lender Ready Delivery
We deliver a polished, protected package you can confidently present to a bank or the SBA.
Who We Serve
Startups and business acquisitions. SBA 7(a) and 504 borrowers. Childcare and early learning centers, professional and personal services, retail, food service, and community serving enterprises. First time founders and seasoned operators alike. Anyone who needs their vision expressed in a language a bank will fund.
Ready to Turn Your Vision into Bankable Reality?
Book a free consultation and we'll map out exactly what your lender will require.