Free VC Directory
With any B-Plan Purchase
425 Page Capital Directory
Through June 30

Business Plan Writer
$425 Flat Rate
No Templates Used
7 Day Turnaround

All Purchased Plans

Are Updated for 2020

Business Startup Guides
Checkout our new siser site!

Free VC Directory

With any B-Plan Purchase
425 Page Capital Directory
Through June 30

Business Plan Writer
$425 Flat Rate
No Templates Used
7 Day Turnaround

All Purchased Plans
Are Updated for 2020

Business Startup Guides
Checkout our new sister site!

Free Auto Loan Company Business Plan

For Raising Capital from Investors, Banks, or Grant Companies!

Please note that the financials in this complete free business plan are completely fictitious and may not match the text of the business plan below. This free business plan demonstration purposes only. If you are interested in purchasing the completed editable MS Word and Excel documents for this business plan, please click the button below! Also, the text of the business plan is formatted with a fully automated table of contents.

Return to Samples Page

It should be noted that there is no special software required to use these templates. All business plans come in Microsoft Word and Microsoft Excel format. Each business plan features:

  • Excecutive Summary
  • Company and Financing Summary
  • Products and Services Overview
  • Strategic Analysis with current research!
  • Marketing Plan
  • Personnel Plan
  • 3 Year Advanced Financial Plan
  • Expanded Financial Plan with Monthly Financials
  • Loan Amortization and ROI Tools
  • FREE PowerPoint Presentation for Banks, Investors, or Grant Companies!

1.0 Executive Summary

The purpose of this business plan is to raise $10,000,000 for the development of a automotive loan lender while showcasing the expected financials and operations over the next three years. Auto Loan Company, Inc. (“the Company”) is a New York based corporation that will provide term loans for vehicle purchases to customers in its targeted market based on their credit score and income. The Company was founded in John Doe.

1.1 Products and Services

The Company will provide term loans to people that are living within the Company’s target market, and which it is authorized to do business based on the income and credit score of customers in regards to their vehicle purchases. Through the Company’s lending infrastructure, Auto Loan Company, Inc. will provide:


  • Management and serving of loan portfolios

  • Alternative methods of financing automobiles

  • Fast and flexible lending decisions for borrowers

Management has developed extensive procedures that will allow the Company to provide loans to these people while maintaining strict credit protocols that will insure that the business keeps its bad debt expenses to an absolute minimum.


The third section of the business plan will further describe the services offered by the Auto Loan Company.

1.2 The Financing

Mr. Doe is seeking to raise $10 million from an investor in order to launch the operations of the business. The terms of this investment are to be discussed during negotiations. The financing will be used for the following:


  • Development of the Company’s retail Auto Loan location.

  • Financing for the first six months of operation.

  • Capital to finance the Company’s vehicle loans.

1.3 Mission Statement

Auto Loan Company’s mission is to become the recognized leader in its targeted market for providing automotive loans and lending services based on the customer’s income and credit quality.

1.4 Mangement Team

The Company was founded by John Doe. Mr. Doe has more than 10 years of experience in the auto loan industry. Through his expertise, he will be able to bring the operations of the business to profitability within its first year of operations.

1.5 Sales Forecasts

Mr. Doe expects a strong rate of growth at the start of operations. Below are the expected financials over the next three years.

1.6 Expansion Plan

The Founder expects that the business will aggressively expand during the first three years of operation. Mr. Doe intends to implement marketing campaigns that will effectively target middle income individuals.


2.0 Company and Financing Summary

2.1 Registered Name and Corporate Structure

Auto Loan Company, Inc. The Company is registered as a corporation in the State of New York.

2.2 Required Funds

At this time, Auto Loan Company, Inc. requires $10 million of investment funds. Below is a breakdown of how these funds will be used:

2.3 Investor Equity

This will be discussed during negotiations.

2.4 Management Equity

This will be discussed during negotiations.

2.5 Exit Strategy

If the business is very successful, Mr. Doe may seek to sell the business to a third party for a significant earnings multiple. Most likely, the Company will hire a qualified business broker to sell the business on behalf of the Auto Loan Company. Based on historical numbers, the business could fetch a sales premium of up to 5 to 7 times earnings.

3.0 Products and Services

As stated in the executive summary, the business intends to provide loans to people that are seeking to purchase, lease, and finance the acquisition of new and used vehicles. At the onset of operations, the business will have close to $8.5 million of funds that will be used directly for this purpose. In the future, the business may seek to securitize these loans so that the business can continually finance new purchases of vehicles for its customer base.

Management has developed the following requirements for a loan from Auto Loan Company, Inc.:

  • Direct Deposit via an active bank accounting
  • A job that they have held for at least three months
  • Income of at least $2,000 per month

The Company will require the following documentation for a loan:

  • Voided Check
  • Recent Bank Statement
  • Pay Stub
  • State Issued Identification

4.0 Strategic and Market Analysis

4.1 Economic Outlook

This section of the analysis will detail the economic climate, the auto loan industry, the customer profile, and the competition that the business will face as it progresses through its business operations.

Currently, the economic market condition in the United States is moderate. Unemployment rates have declined while asset prices have risen substantially. However, automotive loans are in demand in all economic climates.

4.2 Industry Analysis

In the United States there are over 60,000 businesses that operate as non-depository credit institutions. Among these businesses, an aggregates receipt over each of the last five years has been in excess of $229 billion dollars of interest revenue. These businesses employ over 500,000 people and provide gross annual payrolls in excess of $22 billion dollars. Approximately 5,000 of these businesses operate within a similar capacity as that of the Company.

The industry has recently undergone a revolution with the advent of the Internet. With instant access to customer verification, people can seamlessly borrow capital from banks that conduct business on the Internet. This aspect of the industry is expected to grow at a rate of 10% per year for the next five years. The Company intends to capitalize on this trend.

4.3 Customer Profile

The Company will cater to a large audience of middle income people that are in need of vehicle purchases. The primary demographics of the people that the Company is targeting include but are not limited to:

  • Earns more than $30,000 per year
  • Has a bank account
  • Is employed at the same business for the last six months (for loans).

Auto Loan Company, Inc. is quickly developing its credit manual to develop guidelines regarding its loan business. The business has already employed several techniques to ensure that credit default is kept to an absolute minimum as it relates to auto loans that are granted. In regards to the Company’s lending services, the business will require authorization to debit the customer’s account on the day that the loan becomes due on a monthly basis or other basis which has been established with the customer prior to them engaging the business for an automotive loan.

4.4 Competitive Analysis

This is one of the sections of the business plan that you must write completely on your own. The key to writing a strong competitive analysis is that you do your research on the local competition. Find out who your competitors are by searching online directories and searching in your local Yellow Pages. If there are a number of competitors in the same industry (meaning that it is not feasible to describe each one) then showcase the number of businesses that compete with you, and why your business will provide customers with service/products that are of better quality or less expensive than your competition.

5.0 Marketing Plan

Auto Loan Company, Inc. intends to maintain an extensive marketing campaign that will ensure maximum visibility for the business in its targeted market. Below is an overview of the marketing strategies and objectives of the Company.

5.1 Marketing Objectives

  • Develop an online presence by developing a website and placing the Company’s name and contact information with online directories.

  • Implement a local campaign with the Company’s targeted market via the use of flyers, local newspaper advertisements, and word of mouth advertising.

  • Establish relationships with car dealers locations that do not offer auto loan services within the targeted market.

5.2 Marketing Strategies

Mr. Doe intends on using a number of marketing strategies that will allow the Auto Loan Company to easily target men and women within the target market. These strategies include traditional print advertisements and ads placed on search engines on the Internet. Below is a description of how the business intends to market its services to the general public.

The Auto Loan Company will also use an internet based strategy. This is very important as many people seeking local services, such as auto loan lenders, now the Internet to conduct their preliminary searches. Mr. Doe will register the Auto Loan Company with online portals so that potential customers can easily reach the business. The Company will also develop its own online website, which may include functionality for allowing customers to directly acquire loans over the internet.

The Company will maintain a sizable amount of print and traditional advertising methods within local markets to promote the automotive loans that the Company is offering.

The business will also maintain close connections with traditional lending institutions that will refer their customers to the Auto Loan Company for loans that do not meet their criteria as it pertains to acquiring vehicle based terms loans. By developing these relationships with traditional loan sources, the Auto Loan Company will be able to generate a substantial amount of additional income through referral leads among small banks and nationally recognized banks that operate within the Company’s target market. Mr. Doe will aggressively pursue these relationships from the onset of business operations.

5.3 Pricing

In this section, describe the pricing of your services and products. You should provide as much information as possible about your pricing as possible in this section. However, if you have hundreds of items, condense your product list categorically. This section of the business plan should not span more than 1 page.more than 1 page.


6.0 Organizational Plan and Personnel Summary

6.1 Corporate Organization

6.2 Organizational Budget

6.3 Management Biographies

In this section of the business plan, you should write a two to four paragraph biography about your work experience, your education, and your skill set. For each owner or key employee, you should provide a brief biography in this section.

7.0 Financial Plan

7.1 Underlying Assumptions

The Company has based its proforma financial statements on the following:

  • Auto Loan Company, Inc. will have an annual revenue growth rate of 13% per year.

  • The Founder will acquire $10,000,000 of capital to develop the business.

7.2 Sensitivity Analysis

The businesses’ revenues are not sensitive to the overall change in the general economic market. The demand for new vehicles that are financed may wane during times of economic recession. However, the high margins generated by the business will ensure that the Auto Loan Company is able to remain profitable and cash flow positive at all times.


7.3 Source of Funds

7.4 General Assumptions

7.5 Profit and Loss Statements 

7.6 Cash Flow Analysis


7.7 Balance Sheet


7.8 General Assumptions

7.9 Business Ratios

Expanded Profit and Loss Statements

Expanded Cash Flow Analysis