{"id":14223,"date":"2018-04-25T14:38:19","date_gmt":"2018-04-25T12:38:19","guid":{"rendered":"https:\/\/x-group.de\/the-science-of-business-plans-3-parts-90-success-rate-how-to-convince-banks-authorities-entwurf\/"},"modified":"2026-10-13T15:05:45","modified_gmt":"2026-10-13T13:05:45","slug":"the-science-of-business-plans-3-parts-90-success-rate-how-to-convince-banks-authorities","status":"publish","type":"post","link":"https:\/\/x-group.de\/en\/the-science-of-business-plans-3-parts-90-success-rate-how-to-convince-banks-authorities\/","title":{"rendered":"The science of business plans: 3 parts, 90% success rate \u2013 How to convince banks &#038; authorities"},"content":{"rendered":"<div id=\"xg-preview-v2\">\n<header class=\"xg-head\">\n<div class=\"xg-wrap xg-head-inner\"><a aria-label=\"X-Group homepage\" class=\"xg-logo\" href=\"https:\/\/x-group.de\/en\/\"><img decoding=\"async\" alt=\"X-Group\" height=\"47\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo-250x86.png\" width=\"126\"\/><\/a><button aria-controls=\"xg-main-nav\" aria-expanded=\"false\" class=\"xg-menu-toggle\">Menu<\/button><\/p>\n<nav aria-label=\"Main navigation\" class=\"xg-nav\" id=\"xg-main-nav\">\n<details>\n<summary>Financing<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/startup-financing\/\">Start-up Financing<\/a><a href=\"https:\/\/x-group.de\/en\/kfw-startgeld\/\">KfW StartGeld<\/a><a href=\"https:\/\/x-group.de\/en\/financing-rejected\/\">Financing Rejected<\/a><a href=\"https:\/\/x-group.de\/en\/business-acquisition-financing\/\">Business Acquisition<\/a><a href=\"https:\/\/x-group.de\/en\/restaurant-financing\/\">Gastronomy<\/a><a href=\"https:\/\/x-group.de\/en\/restaurant-acquisition-financing\/\">Restaurant Takeover<\/a><a href=\"https:\/\/x-group.de\/en\/medical-practice-acquisition-financing\/\">Practice Takeover<\/a><a href=\"https:\/\/x-group.de\/en\/pharmacy-financing\/\">Pharmacy<\/a><a href=\"https:\/\/x-group.de\/en\/retail-financing\/\">Retail<\/a><a href=\"https:\/\/x-group.de\/en\/trades-business-financing\/\">Craft Business<\/a><a href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<\/details>\n<details>\n<summary>Funding<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/startup-grant\/\">Start-up Grant (Gr\u00fcndungszuschuss)<\/a><a href=\"https:\/\/x-group.de\/en\/avgs-startup-coaching\/\">AVGS Start-up Coaching<\/a><a href=\"https:\/\/x-group.de\/en\/bafa-consulting\/\">BAFA Consultancy Funding<\/a><a href=\"https:\/\/x-group.de\/en\/funding\/\">Overview of Funding Options<\/a><\/div>\n<\/details>\n<details>\n<summary>Services<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/services\/\">All Services &amp; Packages<\/a><a href=\"https:\/\/x-group.de\/en\/business-plan\/\">Business Plan<\/a><a href=\"https:\/\/x-group.de\/en\/financial-plan\/\">Financial Plan<\/a><a href=\"https:\/\/x-group.de\/en\/services\/#module\">24 Advisory Modules<\/a><\/div>\n<\/details>\n<details>\n<summary>Best Cases<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/client-results\/\">Client Results &amp; Videos<\/a><\/div>\n<\/details>\n<details>\n<summary>About Us<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/daniel-schaefer\/\">Daniel Sch\u00e4fer<\/a><a href=\"https:\/\/x-group.de\/en\/team\/\">Team &amp; X-Group<\/a><a href=\"https:\/\/x-group.de\/en\/contact\/\">Contact<\/a><a href=\"https:\/\/x-group.de\/en\/links\/\">All Appointments &amp; Direct Links<\/a><\/div>\n<\/details>\n<details>\n<summary>Knowledge &amp; Free Resources<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/knowledge\/\">Knowledge &amp; Guides<\/a><a href=\"https:\/\/x-group.de\/en\/downloads\/\">Forms &amp; Downloads<\/a><a href=\"https:\/\/www.youtube.com\/channel\/UCmlJMIv8lRTEkXNHcFzQtZw\/\">YouTube<\/a><\/div>\n<\/details>\n<\/nav>\n<p><a class=\"xg-btn xg-head-cta\" href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<\/header>\n<p><main><\/p>\n<section class=\"xg-page-hero\">\n<div class=\"xg-wrap\"><span class=\"xg-eyebrow\">Knowledge &amp; resources \u00b7 Germany<\/span><\/p>\n<h1>The science of business plans: 3 parts, 90% success rate \u2013 How to convince banks &amp; authorities<\/h1>\n<p>Original article: 2018-04-25. English translation. Programme details reflect the original publication date.<\/p>\n<\/div>\n<\/section>\n<section class=\"xg-section\">\n<div class=\"xg-wrap xg-article-body\">Are you facing the task of writing a <b>Business Plan<\/b> in order to <b>Funding<\/b> apply for, secure a loan or <b>finalise your start-up?<\/b> Then you are in exactly the right place! A business plan is more than just a document \u2013 it is your most important <b>tool for business management<\/b>.<\/p>\n<p>As your specialist for <b>start-up, financing and business development<\/b> and lecturer at the IHK Berlin, I will show you today the method with which our clients achieve a success rate of over 90% with banks. The key lies in the right structure, choosing the <b>recipient<\/b> and uncompromising <b>completeness<\/b>.<\/p>\n<div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe title=\"So schreibst du einen erfolgreichen Businessplan\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/eUtwaHHdFT0?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<h2>The recipient decides: Your business plan as a tailored suit<\/h2>\n<p>The biggest mistake most founders make is assuming that a business plan serves all purposes. This is incorrect! The business plan must be a <b>tailored suit<\/b> that is precisely fitted to the <b>recipient<\/b> recipient:<\/p>\n<ul>\n<li><b>Bank\/Investor:<\/b> Requires a <b>loan application<\/b>format with a focus on repayment ability, collateral and <b>liquidity planning<\/b>.<\/li>\n<li><b>Employment Agency (start-up grant):<\/b> The plan must be calculated so conservatively for the first six months that the private <b>business start-up<\/b> still requires support.<\/li>\n<li><b>Jobcentre (Einstiegsgeld\/LES):<\/b> Focus on regaining <b>viability<\/b> and the necessity of investments.<\/li>\n<li><b>Landlord\/Partner:<\/b> Focus on location, concept and your personal suitability.<\/li>\n<\/ul>\n<p><b>Remember:<\/b> A plan optimised for the bank is often rejected by the Jobcentre, as it does not show a need for private <b>funding<\/b> support. Sometimes two or three versions are necessary.<\/p>\n<h2>Most important: The completeness of your documents<\/h2>\n<p>No matter who you are writing for \u2013 the reviewer is initially a <b>box-ticker<\/b>. If even one document is missing, your application will be returned, you will lose valuable weeks and risk rejection.<\/p>\n<p><b>The principle of completeness is paramount.<\/b> For our clients, we use a one- to two-page checklist to ensure that <b>all<\/b> required documents are included. In addition to the plan itself, this also includes application forms, self-disclosures, <b>declarations of non-objection<\/b> and Schufa credit reports. Your goal must be to positively surprise the reader by submitting a flawless application.<\/p>\n<h2>The business plan in three essential parts<\/h2>\n<p>A successful business plan is divided into the following three inseparable areas of <b>funding expertise<\/b>:<\/p>\n<h3>Part 1: The Financial Section (The Hard Core)<\/h3>\n<p>If this section does not convince, you can forget about the rest. Here, your entire <b>Business Model<\/b> is presented in figures \u2013 for at least <b>36 months<\/b>:<\/p>\n<ul>\n<li><b>Costs:<\/b> <b>Investment costs<\/b>, working capital, private living expenses (<b>entrepreneur&#8217;s salary<\/b>), variable and fixed costs.<\/li>\n<li><b>Revenue &amp; Sales:<\/b> Your detailed <b>revenue forecast<\/b> and capacity utilisation projection.<\/li>\n<li><b>Tables:<\/b> Profitability plan (profit and loss), <b>liquidity plan<\/b> and capital requirements calculation.<\/li>\n<\/ul>\n<h3>Part 2: The Narrative Section (The Why and Who)<\/h3>\n<p>This text section (max. 20-30 pages) explains and substantiates the figures from the first section. Here you define:<\/p>\n<ul>\n<li><b>Yourself &amp; the team:<\/b> Your industry experience and professional suitability (see appendix).<\/li>\n<li><b>The business model:<\/b> Product, service, location, legal form.<\/li>\n<li><b>The market:<\/b> Target group, market analysis, competitors and your competitive advantage.<\/li>\n<li><b>Marketing:<\/b> Your detailed market entry plan and <b>personnel plan<\/b>.<\/li>\n<\/ul>\n<h3>Part 3: The Appendix (The Evidence)<\/h3>\n<p>The appendix serves as &#8220;evidence&#8221; and should contain as much as possible to keep the text section concise. Here, include your CV, certificates, contracts (rental\/company agreements), clearance certificates, product descriptions and all necessary application forms. This is where you prove that what you claim in the text corresponds to reality.<\/p>\n<h2>Your business plan with a 90% success rate: Free initial consultation!<\/h2>\n<p><strong>Avoid the most costly mistakes and secure the necessary funding and loans. Book your free initial consultation now and let our expert team show you examples of successful business plans. We will guide you through the entire start-up financing process!<\/strong><\/p>\n<h2>About X-Group<\/h2>\n<p>Belief in your potential and a focus on the things that truly move you forward are the top priorities at X-Group GmbH in Berlin. You receive tailored support that identifies the most important bottlenecks. This way, you remove obstacles and can work purposefully towards your success.<\/p><\/div>\n<\/section>\n<p><\/main><\/p>\n<footer class=\"xg-footer\">\n<div class=\"xg-wrap\">\n<div class=\"xg-footer-top\"><img decoding=\"async\" alt=\"X-Group\" height=\"56\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo-250x86.png\" width=\"150\"\/><\/p>\n<p>We prepare start-ups and businesses for financing and funding.<\/p>\n<\/div>\n<div class=\"xg-footer-cols\">\n<div>\n<h3>Start-up &amp; financing<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/startup-financing\/\">Start-up Financing<\/a><a href=\"https:\/\/x-group.de\/en\/business-plan\/\">Business Plan<\/a><a href=\"https:\/\/x-group.de\/en\/financial-plan\/\">Financial Plan<\/a><a href=\"https:\/\/x-group.de\/en\/kfw-startgeld\/\">KfW StartGeld<\/a><a href=\"https:\/\/x-group.de\/en\/financing-rejected\/\">Financing Rejected<\/a><a href=\"https:\/\/x-group.de\/en\/business-acquisition-financing\/\">Business Acquisition<\/a><\/div>\n<div>\n<h3>Funding &amp; consulting<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/startup-grant\/\">Start-up Grant (Gr\u00fcndungszuschuss)<\/a><a href=\"https:\/\/x-group.de\/en\/avgs-startup-coaching\/\">AVGS coaching<\/a><a href=\"https:\/\/x-group.de\/en\/bafa-consulting\/\">BAFA consulting<\/a><a href=\"https:\/\/x-group.de\/en\/services\/\">All services<\/a><a href=\"https:\/\/x-group.de\/en\/funding\/\">Funding<\/a><a href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<div>\n<h3>Daniel &amp; X-Group<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/daniel-schaefer\/\">Daniel Sch\u00e4fer<\/a><a href=\"https:\/\/x-group.de\/en\/team\/\">Our team<\/a><a href=\"https:\/\/x-group.de\/en\/client-results\/\">Best Cases<\/a><a href=\"https:\/\/x-group.de\/en\/contact\/\">Contact<\/a><a href=\"https:\/\/x-group.de\/en\/#kalender\">Initial consultation<\/a><a href=\"https:\/\/x-group.de\/en\/links\/\">All appointments \/ links<\/a><\/div>\n<div>\n<h3>Knowledge &amp; legal information<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/knowledge\/\">Guides &amp; 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