A business plan where the text and the numbers agree — for an investor, a bank or a partner
Free 15–30 minute call · no obligation · Pick a time in the calendar →
A business plan for investors and banks explains how a project or a running business will make money: market, product, marketing, operating model, team, financial plan, risks and how much money is needed. We write the plan end to end or improve individual sections, together with a financial model. Business plans for a Spanish startup visa or residence permit are prepared by our partner Relotus.
A concept answers “what is the project and why is it interesting” and helps attract attention. A financial model calculates the numbers.
A business plan connects the two: it shows exactly how the idea turns into revenue, who does what, what it costs and where the risks are.
Investors, banks and partners read it — and the team works from it afterwards.
What investors and banks look at
ENISA lends to startups and SMEs in Spain through participating loans (préstamo participativo) of €25,000 to €1,500,000 — no collateral, up to 7 years, interest only for the first 2 years.
The decision is based on the business plan and financial forecasts. For grants — CDTI Neotec and regional programmes — the project, the budget and the spending plan are assessed.
We prepare the financial section of the application: the model, forecasts, use of funds and a check of the economics before filing.
You or your gestor submit the application itself — through ENISA’s online portal or the programme’s portal.
What we check before applying to ENISA
Who writes the plan
Founder and CEO of Finetic Consulting
Over 30 years of executive experience in corporate finance and operations at major corporations and banks with annual revenues exceeding $1 billion: financial management, strategic planning, risk management and corporate restructuring.
Not included: plan written from scratch
Discuss package A →Not included: support in negotiations
Discuss package BNot included: guarantee of loan approval
Discuss package C →The price depends on scope and which sections are already done. If you have already ordered a project concept from us, its cost is taken into account. We quote the price after the introductory call.
We came to Finetic Consulting for a business plan and financial model for our project IMSKIPPER.NET. We liked how quickly Vladislav prepares documents and how deeply he works them through. It is comfortable to work together: every question can be discussed at online meetings while the work is in progress.Georgy Im, owner of IMSKIPPER · Translated from Russian.
We'll answer your question; if your case needs a closer look — a 15–30 minute call: who the plan is for, what is ready and your deadline. We quote the price after the call.
Book a free 15–30 minute call with Vladislav Panchenko — choose a slot that suits you.
It depends on scope, industry and which sections you already have: you can order the whole plan or individual sections. We quote the price after the introductory call.
Executive summary, business description, market and competitors, product, marketing and sales, operating plan, team, schedule, financial plan with a model, risks and funding requirement.
An investor is interested in growth and a share of future profit; a bank in the ability to service debt on time. So the bank version puts more weight on cash flow, the repayment schedule and collateral.
The startup visa package, including the business plan, is prepared by our partner Relotus. We build the financial model to ENISA requirements — 18–24 months of investment and a four-year forecast — and check the project economics before filing.
It depends on scope and how quickly data is available. We fix the timing in the agreement after the introductory call.
Yes, with the financial section: we build the model and forecasts for the loan term and the use of funds, and check the mandatory condition — the company’s own funds must at least equal the loan amount. You or your gestor submit the application through ENISA’s portal; ENISA makes the decision.
Business plan and financial model for Spain’s startup visa: what ENISA checksRead →
Pitch deck for investors: a 12-slide structure, examples and a checklistRead →
How to get a grant or subsidy for a startup in Spain: a step-by-step guideRead →
Startup and small business support programmes in Spain: ENISA, CDTI, the Startups Act and tax incentivesRead →Need a business plan for a Spanish startup visa or residence permit? Our partner Relotus handles that — relotus-relocation.com.
