Business Plan should be written not only with your business in mind but also your lenders in mind . Bankers would like to see your business in 5 to 10 years time to consider giving you a loan for your expansion. These are a few tips for writing a Business Plan  with lenders in mind.

1. Executive Summary: An overview of your business plan. Summarize all the important points in
    1 page.
2. Business Overview
a. Products & Services: What are you selling and who are your targeted customers.
b. Type of Company : Who owns your company, and what percentage of the business does each
    owner have? Is the company an Enterprise , Sendirian Berhad, or Limited Liability Partnership?
    How much money has been invested into the company by the partners to date?
c. Start-up Summary: How much money do you need and how will you spend it?
d. Mission/Vision : What’s your purpose for being in business? This is an important part of the
    story you want to share with your customers and your lender.
e. Goals & Objectives: You must include a 1 year operational planning , 5 years tactical planning and
    10 years strategic planning.

3. Target Market
a. The Ideal Customer: Who are your customers ? By location , gender , age etc as detail as possible.
b. Market Size: Discuss your overall market and how big you think it is.
c. Market Segmentation: Your products and services will appeal to a few different kinds of
    customers.  Describe your market segments, and indicate which one your ideal customer falls into. 

4. Industry Trends: What are the local and global trends in your industry? How are you going to beat
    the competitors forever depends on how well you analyse the existing and future trend.

5. Competition: List your major competitors along with their strengths and weaknesses. Include an 
     explanation of the benefits they offer to buyers and how you are going to counter them.

6. Marketing & Sales Plans
a. Competitive Advantage: What sets you apart from everyone else who sells what you sell?
b. Marketing Plan: What will your initial and ongoing marketing activities look like, and what’s your 
    budget for those? How many new customers should your marketing activities bring you? How
    many subscribers? How much website traffic?

7. SWOT Analysis: Analyze your strengths, weaknesses, opportunities, and threats. What are the
    best things about your company? What are you not so good at? What market or industry shifts can 
    you take advantage of and turn into opportunities? Are there external factors threatening your
    ability to succeed? Add a paragraph discussing how the business will overcome its weaknesses
    and threats.

8. Operations & Logistics
a. General Operations: What are your opening hours? What is the process for bringing on a new 
    customer? How about getting reviews, feedback or referrals? Do you have a clear sales funnel (the
    path people take to become your customer)? What does a typical day in your business look like?
b. Location: If you have a location, describe it and why you chose it. If you’re choosing to do business
    online instead, explain why. 
c. Distribution: Are all your sales direct to customer, or do you sell wholesale or through affiliate
    partners?
d. Suppliers: Who are the major suppliers for your business, and how did you choose them?

9. Management & Personnel
a. Management Overview: Describe your management team’s background and explain their roles in
    the day-to-day operation of the business.
b. Personnel/Staffing: Summarize your personnel needs here, including your hiring schedule, 
    approximate wages, and your organizational chart. Explain what each staff member does on a 
    daily basis. It’s your people who operate your business, so you need to explain what they do to
    make it tick.

10. Exit Strategy: Do you plan to operate this business forever, or eventually sell, license or franchise
      it? Lenders need to know how they’re going to get their money back.

11. Financial Mgt & Projections
a. Assumptions: Everyone skips this part, but it’s the most important part of the financial forecasts. 
    Explain your assumptions about revenue, sales growth, and expenses here.
b. Break Even: Briefly summarize when you expect your company to start breaking even—that is, 
    earn enough revenue to cover all operating costs.
c. Profit & Loss: Highlight your projected net profits and explain whether they are higher or lower than
    the industry standard, and why.
d. Cash Flow: Explain your credit policies and offer a plan for what you’ll do if your cash balance
    starts to get low.
e. Balance Sheet: Briefly explain the expected debt (loans or lines of credit) to equity (owner or
    investment contribution) in your business, and why you chose this balance.