Plans

Underwriter-ready plans and three-statement models for private capital and SBA (non-bank) real estate. Clear narratives, sources/uses, DSCR, and occupancy mapping (51%/61%).

Business plans & financial projections

Since 2009, Market Direct Capital™ has prepared plans and models that match the way credit teams review deals. We support private capital (real estate, equipment, ABL, revenue-based) and private non-bank SBA real estate requests with concise narratives, defensible numbers, and documentation that keeps decisions moving.

What we deliver

  • Concise narrative: market, operations, management, risks & mitigants in a scan-friendly format.
  • Sources & uses alignment: every dollar mapped to purpose; bridge-to-perm or SBA takeout clearly shown.
  • Three-statement modeling: monthly P&L, cash flow, and balance sheet with opening balances and footnotes.
  • Coverage & leverage view: DSCR, global cash flow, and sensitivity cases (best/base/downside).
  • Covenant & reporting plan: practical KPIs, borrowing-base or remittance cadence where applicable.

Real estate focus (owner-occupied)

For SBA 7(a) and CDC/504 via private non-bank partners, we model business owner-occupancy requirements—51%+ existing buildings and 61%+ at completion for new construction—and build a Rent Replacement view that compares current lease cost to projected ownership.

  • Acquisition, eligible refinance, improvements, and soft costs
  • Exit and takeout mapping (e.g., bridge → SBA 7(a)/504)
  • Third-party sequencing (appraisal, environmental, title) and, when applicable, no-appraisal program considerations for private bridge

Where this helps most

Private capital

  • Real estate bridge & term
  • Equipment loans & leases
  • Asset-based lines & term loans
  • Revenue-based facilities

SBA (non-bank) — real estate

  • 7(a) owner-occupied CRE
  • CDC/504 facility acquisition or build
  • 51%/61% occupancy modeling
  • Bridge-to-SBA takeout plan

Our process

  1. Discovery: goals, timing, use of funds, and lender/capital fit.
  2. Data & diligence: streamlined request list that captures what underwriting needs without heavy lift.
  3. Draft & review: narrative and model built together so story and numbers match; sensitivities included.
  4. Finalize: one clean PDF plan + model pack; we can present to target private lenders or SBA partners.

Typical deliverables

  • Plan (PDF) with executive summary and risk/mitigation section
  • Monthly three-statement model (Excel/Sheets) with scenarios and notes
  • Sources/uses, DSCR, and leverage schedule (with bridge→takeout mapping if applicable)
  • Checklist aligned to private capital or SBA documentation

Get started

Share your objectives and timeline. We will scope the work and outline a practical path to an approvable file.

Request planning support Talk to a specialist

Information is general and may not apply to every situation. All financing is subject to credit approval, program availability, and lender guidelines.