Tools that help you while also helping the businesses seeking lending from you:

Business Model BuilderTM

For clients that have a hard time communicating how their business or idea works

1.  Helps entrepreneurs organize their thoughts

2.  Helps build & maintain a client relationship even though they are not ready for lending yet

The BPS Business Model BuilderTM is an easy to use business model planning tool that helps entrepreneurs get clarity on the 'moving parts' of their business so they know where to focus their attention and make progress quickly.  After watching small business owners and startup founders struggle with popular business modeling tools and not make real progress in their understanding, we decided to build our own based on what we knew small business owners actually wanted and needed.  

We use a question and answer format to guide users through the different areas of their business asking the same kind of questions a consultant asks when helping clients build their custom business model.  Clients can move at their own pace and can stop and save whenever they want.  If they get stuck or want help it is available via a collaboration module free of charge.  Unlike some popular business modeling tools, users don't need to take a class to understand how to use the tool, and they don't need an 'expert' to show them what the results mean either.  After teaching people how to use the other tools we designed the Business Model BuilderTM to be ready to use and learn from on its own.  The result is an accurate, shareable business model that is easy to revisit and customize again and again without having to start over each time.  

If you currently send client to the SBDC to get a clearer picture of what they are trying to accomplish and what they need lending for, try the Business Model Builder next time.  It's easier on the client schedule, it is usually much faster, and they can still get help from the SBDC in conjunction with our tools if they want to.


Business Plan BuilderTM 

Three way BPS business plans make a commercial lenders work easier & more efficient:

1.  Better client interaction

2.  Better insights

3.  Better CRA scores

1. Better client interactions:  Breaking the bad news to a client that their plan isn't realistic, and they aren't getting a loan can not only be stressful, but it can damage a long term banking relationship and end up sending a customer to another bank.  We understand the fine line commercial lenders have to walk as they balance the priorities of keeping customers happy and also only making good loans.  What if we could reduce the number of those stressful conversations and prevent a situation where an embarrassed or hurt customer considers changing banks  before it ever begins? 

We can; and we do it by identifying and correcting a clients unrealistic expectations before they ever make it into the business plan you use to evaluate the company.  Our system proactively identifies and points out a clients unrealistic expectations in their business plan as it is being created, then we help the entrepreneur see why it is unrealistic and we give them to tools to calculate and validate what realistic expectations for their business may be based on the their specific life situation  

They drive the whole process, we don't tell them what is realistic, but, we do help them find out what is real for their situation based on the totality of the data we gather from the client.  It's similar to what a credit analyst does, but we include other variables beyond just their financial ability to repay the loan; and we do it before you have to tell them it wont work.  Because the client figures this out on their own they fix the problems before they turn in their plan; avoiding an uncomfortable conversation for you and an embarrassing situation for them.  The best part is the client learns from the plan building process so they are more equipped to be successful as they make progress on their plan and the banker goes from being the person that said 'No' to the person that helped them improve their business.  

2.  Better insights:  The BPS business plan builder dramatically improves the way business plans are created and gives lenders a chance to find 'diamonds in the rough' that have the potential to be really successful if they were given a chance.  It's no secret that many people struggle with communicating their thoughts in writing, some of those people are entrepreneurs.  Many entrepreneurs know their business inside & out, but are not good writers or have language barriers so they have a hard time explaining how & why their business works, but that doesn't change the fact that it works.  These bankable businesses with good fundamentals can get overlooked because the traditional format of business plans is intimidating to the owners.  

The BPS business plan builder levels the playing field by standardizing the format, reducing the narrative length, and making it easier for the entrepreneurs to provide the specific data elements you need to make decisions with.  We don't tell them what to say, we just make it easier form them to say it.

We take the word-for-word answers provided by the client and compile them into an easy to read format that helps you avoid having to read the 'fluff' a lot of business plans are full of.  We take the numbers they provide about specific operational aspects of their business and apply calculations that deliver the financial figures and ratios you use in your evaluation process.  We don't make up their numbers, we just help them do the financial math that they haven't learned yet; and in the process of building their plan with us we start teaching them how to do the business math on their own.  Once you start using these plans you wont want to use a traditional plan again.

3.  CRA scores:  For banks interested in adding a unique and innovative way to support low-to-moderate-income applicants / borrowers BPS can provide an easy to add online entrepreneur education element to your current CRA / LMI strategies.  Standard & custom metrics are available depending on your banks needs, contact us for further information.

Small Business & Startup Consulting:

For situations when your applicant has already written a traditional business plan but has missed the mark  and needs someone to double check their thinking about their operations or their financial potential, we offer consulting services through our partnership with the experienced consultants at 8 Fifteen Consulting and their network of independent consultants.  These consultants can walk through your applicant's plan with them and point out things they may have missed or assumed incorrectly and help them get on track with a plan that reflects the likely realities of their planned business launch or expansion.  

Ready to get started ? 
We are ready to answer your questions. 
806-680-2815 |