Business Plan

RBAC requires a business plan for all start-up ventures. You need a roadmap as much as we need to see how you plan to operate the business and earn a profit to repay the RBAC loan. RBAC is not looking for a lengthy or scholarly document, but we are looking for the basic operating assumptions of your business and how those assumptions are translated into projections of sales, expenses and profits.


Businesses that have been operating at least 12 months need to provide two years of sales projections and expenses.

Suggested outline of a business plan

  1. Name of business, names of principals, address, phone and fax number of business
  2. Table of contents

Highlights the key points of the entire plan

  • Product or service description
  • Market description and analysis
  • Competition
  • Location of business
  • Management
  • Personnel
  • Planned uses of additional funding
  • Summary
  1. Sources and applications of funding
  2. Capital equipment list
  3. Balance sheet
  4. Breakeven analysis
  5. Income projections (Profit & Loss statements): Three years of projections of sales, expenses and profits/losses
  • Cash flow projections: helpful, but optional
  • Historical financial reports for current business:
    • Balance Sheet for past three years
    • Income Statement for past three years
    • Tax returns
Atlantic County (609)347-2174
Bergen County SBDC (201)489-8670
Burlington County College SBDC (856)225-6221
Camden County (856 225-6221
Cape May County (609)347-2174
Essex County (973)353-5950
Gloucester County (856)225-6221
Hudson County (201)200-2156
Hunterdon County (908)526-1200 x 8516
Mercer & Middlesex Counties (609)771-2947
Monmouth County (732)842-8685
Morris County 908-269-8475
Ocean County (732)255-0468
Passaic County (973)754-8695
Salem County (856)225-6221
Somerset County (908)526-1200 x 8515
Sussex County 908-269-8475
Union County (908)737-4220
Warren County 908-269-8475