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Write a business plan a bank or lender will take seriously

A bank, a start-up loan scheme or a grant wants a business plan. Get a short, clear plan from your own notes, with the numbers set out the way lenders expect and the gaps flagged.

Updated 17 Oct 2026

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The prompt · ChatGPT

Help me write a business plan for a lender or grant.

Who it's for: [bank, start-up loan, grant]
The business: [what you do, how long, who for]
What the money is for: [amount and use]
My numbers: [sales, costs, forecasts, or what I know]
My experience: [details]

First ask me up to 6 questions a lender would ask, a few at a time. Wait for my answers.

Then:
1. A short plan in the usual sections: summary, business, market, marketing, operations, team, finances, risks.
2. A one-page summary.
3. A numbers table: 12-month forecast and how the loan is repaid, from my figures only.
4. The weak spots a lender will spot, and how to strengthen them.
5. GOV.UK's guidance on writing a business plan, named and linked.

Use only my facts; mark anything I need to supply. This is planning help, not financial advice. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts or figures. UK English.

For GOV.UK's guidance on writing a business plan, use web search and name the page you used. If it doesn't search on its own, open View all tools and choose Search.

Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.

A short example

Fill the blanks, then paste. bank, start-up loan, grant: a short note you already have. what you do, how long, who for: a short note you already have. Leave the rest of the prompt as written.

The prompt · Copilot

Help me write a business plan for a lender or grant.

Who it's for: [bank, start-up loan, grant]
The business: [what you do, how long, who for]
What the money is for: [amount and use]
My numbers: [sales, costs, forecasts, or what I know]
My experience: [details]

First ask me up to 6 questions a lender would ask, a few at a time. Wait for my answers.

Then:
1. A short plan in the usual sections: summary, business, market, marketing, operations, team, finances, risks.
2. A one-page summary.
3. A numbers table: 12-month forecast and how the loan is repaid, from my figures only.
4. The weak spots a lender will spot, and how to strengthen them.
5. GOV.UK's guidance on writing a business plan, named and linked.

Use only my facts; mark anything I need to supply. This is planning help, not financial advice. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts or figures. UK English.

For GOV.UK's guidance on writing a business plan, switch to Search mode so the answer comes with a citation.

Stay in this Copilot chat. Leave plugins off, and do not open a file from OneDrive.

A short example

Fill the blanks, then paste. bank, start-up loan, grant: a short note you already have. what you do, how long, who for: a short note you already have. Leave the rest of the prompt as written.

1

You describe the business, what the money is for and your numbers.

2

The assistant asks the questions a lender would ask.

3

You get a short plan in the usual sections, a one-page summary, a numbers table and the weak spots to fix first.

What happens

Use Copilot to write a business plan a bank or lender will take seriously

A bank, a start-up loan scheme or a grant wants a business plan. Get a short, clear plan from your own notes, with the numbers set out the way lenders expect and the gaps flagged.

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