Business Loan Proposal Template

This business loan proposal template managed to secure funds to over 16,000 clients! If you're unsure of how your business loan requests should look, simply use this completely customizable template and get ready to close the deal! You can change the text, images, colors, your logo - it's all 100% editable.

Business Loan Proposal Template Slide 1

What's in this business loan proposal template

Visually attractive cover.

No matter which industry you're writing a business loan request for, the first impression always matters. In this business loan proposal template, the first thing your creditor sees is a nicely designed cover, fit for a world-class company like yours. From the text, logo, and background image, you can change everything to make it a better fit for your needs.

Visually Attractive Cover

The best way to start your bank loan application is with a direct and straightforward cover letter or executive summary. Use this page to clearly and briefly describe who you are, your business background, the nature of your business or start-up, and how the loan will be used to help your company succeed.

Like everything else in this proposal, it's completely editable - the colors, the text, images, layout - everything.


Business profile

 Explaining what your business does and the process of using and repaying the loan may sound a bit overwhelming to small business owners. That's why we created a business profile - a page dedicated to the history of your business, along with current activity and results.

It is a perfect place to highlight your business plan, leave some links to your brochures or any other documents that will help soft sell your business.

Business profile

Management experience

The best way to show potential creditors how serious you are about your business is through management experience. Describing the experience, qualifications, and skills of key members of your management team gives you the perfect opportunity to show you understand exactly what your business needs to succeed.

In this business loan proposal template, we've created a whole section for management experience. All you need to do is fill it in!

Management experience

Loan request and payment

This section in the business loan proposal template is all about the numbers. Show precisely why you need business financing, the amount you are requesting, the interest rate, as well as what you will use it for.

Whether you're looking for a small business loan or a large sum of money, this is the place to write it down. Like the rest of this template, every part is editable, from the text and logo to the background image.

Loan request and payment

Financial statements

This is the section the creditor will spend the most time looking at! It is also the perfect place to include your personal financial statements, balance sheets, credit history and reports, tax returns, and any other financial document you see fit for the cause.

Financial statements

Next steps and supporting documents

Once the hard part of writing the loan proposal is done, use this section to attach the proof behind the story you have told. If you're feeling optimistic, you can even add a digital signature box that will allow your creditors to approve your business loan right away!

Next steps and supporting documents

Get Paid Straight from the Proposal

No more messing around with invoices, no more waiting for checks to clear. This proposal template lets you take payments directly from the proposal, using the integrations with PayPal, Stripe, and GoCardless.

Get Paid Straight from the Proposal

Don't take just our word for it

Here is what some of our 10,000 users across the globe have to say

Sara K.

Sara K. CEO & Founder

Shade O.

Shade O. Business Owner

Brent R.

Brent R. Marketing and Advertising

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What Is a Business Loan Proposal?

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Some lenders may require a business loan proposal be included in your application for a business loan. A business loan proposal should not be confused with a business plan. While some similar information is included in both documents, a business loan proposal is more streamlined to focus attention on the loan amount you want and your repayment plan.

How Much Do You Need?

How is a business loan proposal different from a business plan?

While you may be asked to include a business plan with your loan application , its use is not limited to that. Think of your business plan as a broad, long-term document that can guide you through each stage of your business, from startup to expansion to sale or closure. It includes information on how your business is structured, how it operates and your plans for the future.

In contrast, a business loan proposal is a focused, short-term document with the purpose of securing funding for your business. The loan amount you're requesting, how it will be used and your ability to repay the loan will be of key interest to lenders.

What makes a good business loan proposal?

Like any document, it should be organized and well-written. The loan proposal itself can be relatively short, only a few pages, but additional documents will be added as attachments. The financial information you provide in your loan proposal should demonstrate that your business is financially sound.

Your loan proposal could be laid out in a number of ways. Before you begin, ask your lender if it has a preferred format. If it doesn't, you can use short sections to provide information and highlight specific details. Documents related to each section can be included at the end. This approach will provide a concise summary of your proposal upfront followed by attachments that can back up your statements.

Business loan proposal structure

The following are some typical sections of a loan proposal. If your lender doesn’t require a specific format, then you’ll have some flexibility in heading titles and the order of sections. After completing an executive summary and the business overview, you could rearrange the sections if appropriate for your business.

Executive summary or cover letter

Use the executive summary to briefly describe yourself and your background. Also, give an overview of your business and how you plan to use the loan funds. If you need more than a paragraph to adequately provide this information, then you can convert this section to a separate cover letter that contains a few paragraphs. However, remember that this is a summary and you'll provide more personal details and business information in other sections of the loan proposal.

Business overview

Provide the relevant history of your business, its legal structure, licenses required and a brief summary of its current activity. You can choose to cover your experience, qualifications and skills in this section. Or, if your business has multiple owners or team members who are major contributors to your operation, a separate section can be created to highlight their experience and skills. Add important details about your customers, the current market, industry trends and online marketing channels, if you use them.

Owner investment

The equity you have in your business can demonstrate your commitment to its success. Discuss the monetary investment you have in your business. This includes cash amounts you’ve invested and any retained earnings you’ve held on to.

Loan request

Be clear about the amount of money you're requesting and what it will be used for. Provide details about what will be purchased. Also, explain how you determined the loan amount you needed. Include quotes and estimates you used in your calculations.

Loan repayment plan

Using the loan terms you’ve been offered or quoted and the associated repayment schedule, explain how you’ll be able to make timely loan payments based on your projected sales and cash flow. If fluctuating sales and/or cash flow are normal in your business, explain how cash reserves or another option can be used to make payments during lean times.

Financial statements

You can provide an overview of both business and personal financial statements in this section and then include the actual statements as attachments.

Lenders will want to see business financial statements for the current period and three prior years. This list includes income statements, balance sheets and net worth reconciliations for your business. Projected income statements and balance sheets are OK if you’re a startup business.

Personal financial statements will be needed for any owner who has 20% or more equity in your business. These statements, which include personal assets, liabilities and net worth, should be current. Check with your lender to see if tax returns are also needed and the number of years.

Income and cash-flow projections

Explain the details of your projected income and cash-flow statements in this section. You may also want to discuss what changes you’ll make to your business if you don’t reach your projections. At a minimum provide one year of projections. Multiple years of projections will be needed if a positive cash flow can’t be achieved in the first year.

Pledged collateral

This section can be used to explain what recourse the lender will have if you can’t repay the loan, or the collateral you're pledging with the loan. Summarize the assets you're willing to use as collateral, which can be sold for cash to cover the loan debt. Provide a detailed list of these assets as an attachment.

Existing liabilities

Some lenders may request information on other debts you have. You can summarize the information here and include an attachment with details about whom you owe, their addresses, amounts owed and payment schedules.


Finally, include any documents mentioned in the sections of your loan proposal as attachments.

On a similar note...

How to write a business proposal for a bank loan.

Learn how to increase your chances of securing a bank loan with these business proposal tips.

If you want a bank loan to start a new business or expand your existing one, you’ll need a thorough business proposal (also known as a loan proposal). It shows the bank (or lender) that you’ve got a plan that’s likely to succeed.

But loan proposals can also be tedious and complicated to draft. Use the following tips to learn how to write a business proposal for a bank loan and get a head start on success.

Outline how you’ll pay the bank back.

Every bank loan proposal should include some standard details like how much you need to borrow and how you’ll use the loan to advance your business.

More importantly, your business proposal should outline how you plan to pay the bank back. A few things you can write out to accomplish this include:

  • Three-to-five-year sales forecasts
  • Cash flow projections
  • Expense estimates

The more detail you include, the better. But don’t crunch a bunch of numbers on the very first page — make sure your proposal is clearly outlined and all information is grouped logically.

Demonstrate that you have a backup repayment plan.

Part of your business proposal’s job is to convince the bank that you can pay them back, whether you meet your sales projections or not. To demonstrate this, show proof of collateral (or something that secures the loan) in case things don’t go as planned after you invest in assets like new real estate, equipment, or inventory for your business.

Create your own business proposal to jump-start your path to success. Explore everything you can do with Adobe Acrobat Pro with e-sign today.

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