Finance Company Business Plan Writing Guide

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Calculator and coins A finance company business plan is suitable for companies investing, lending and managing money and assets. These include banking, advisory, wealth management, mutual funds, insurance, commercial banks, investment banks, brokerage firms, and planning firms.

Information to Include in a Finance Company Business Plan

  1. Executive summary
  2. Company Summary
  3. Market Analysis Summary
  4. Strategy and Implementation Summary
  5. Web Plan Summary
  6. Management Summary
  7. Financial Plan
  8. Appendix

Executive Summary

This section of the business plan lists a company’s services, competitive edge, market, management team, objectives, mission, and keys to success.


Commercial banking services lend money directly to businesses. The primary operations of commercial banks include:

  • Keeping money safe while also allowing withdrawals when needed;
  • Provide personal loans, commercial loans and mortgage loans;
  • Issuance of credit cards and processing of credit card transactions and billing;
  • Issuance of debit cards;
  • Allow financial transactions at branches or by using automated teller machines (ATM’s);
  • Provide wire transfers of funds and electronic fund transfers between banks;
  • Facilitation of standing orders and direct debits, so payments can be made for bills automatically;
  • Provide overdraft agreements for the temporary advancement of the bank’s own money to meet monthly spending commitments of a customer in their current account;
  • Provide internet banking systems to facilitate customers to view and operate their respective accounts through internet;
  • Provide charge card advances of the bank’s own money for customers wishing to settle credit advances monthly;
  • Notary service for financial and other documents;
  • Accepting deposits from the customer and provide the credit facilities to them; and
  • Sell investment products.

Investment banking services help businesses raise money from other forms in the form of bonds (debt) or stock (equity).

Corporate people

  • Capital markets services: Underwriting debt and equity, assist company deals (advisory services, underwriting, mergers and acquisitions and advisory fees), and restructure debt into structured finance products.
  • Brokerage services: Facilitating the buying and selling of financial securities between a buyer and a seller.
  • Private Banking: Provide banking services such as wealth management and tax planning exclusively to high-net worth individuals.

Foreign exchange services are provided by many banks and specialist foreign exchange brokers around the world. Foreign exchange services include:

  • Currency exchange– Where clients can purchase and sell foreign currency banknotes.
  • Wire transfer– Where clients can send funds to international banks abroad.
  • Remittance– Where clients that are migrant workers send money back to their home country.

Investment services include:

  • Investment Management– Companies which run collective investment funds. Investment banking financial services focus on creating capital through client investments.
  • Hedge Fund Management– Hedge funds often employ the services of “prime brokerage” divisions at major investment banks to execute their trades.
  • Custody Services– The safekeeping and processing of the world’s securities trades and servicing the associated portfolios.

Insurance providers undertake to provide a guarantee of compensation for specified loss, damage, illness, death, or destruction in return for payment of a specified premium.

  • Insurance Brokerage– Shopping for insurance on behalf of customers.
  • Insurance Underwriting– Evaluate the risk and exposures of potential clients. They decide how much coverage the client should receive, how much they should pay for it, or whether even to accept the risk and insure them.
  • Finance & Insurance– The financing and insuring of an asset by a sales professional.
  • Reinsurance– Insurance sold to insurers, to protect them from catastrophic losses.

Finance Company Business Plan Other financial services include:

  • Bank cards (debit cards and credit cards);
  • Credit card machine services and networks;
  • Intermediation or advisory services- stockbrokers (execute buy and sell orders for stocks and other securities on behalf of clients);
  • Private equity (investment funds that buy and restructure companies that are not publicly traded);
  • Venture capital (financing provided to start-ups deemed to have high growth potential);
  • Conglomerates (a combination of multiple business entities operating in entirely different industries under one corporate group);
  • Financial market utilities (multilateral systems that provide the essential infrastructure for transferring, clearing, and settling payments, securities, and other financial transactions among financial transactions among financial institutions; and
  • Debt resolution (assists individuals that have too much debt to pay off as requested, but do not want to file bankruptcy and wish to pay off their debts owed).

A financial export is a financial service provided by a domestic firm to a foreign firm or individual.

Company Summary

Line graphs This section of the business plan is an important overview of the most important points about a company. It lists the history, management team, location, mission statement and legal structure.

  • Start-up Summary;
  • Start-up Requirements;
  • Total Start-up Expenses;
  • Total Assets;
  • Start-up Funding;
  • Total Funding Required;
  • Total Assets;
  • Total Liabilities;
  • Total Planned Investment;
  • Total Capital;
  • Total Capital and Liabilities; and
  • Company Ownership.

Market Analysis Summary of a Finance Company Business Plan

Finance Company Business Plan This section lists the information you have gathered about conditions that affect your market.

  • Market Segmentation (according to household worth);
  • Market Analysis;
  • Target Market Segment Strategy;
  • Service Business Analysis; and
  • Competition and Buying Patterns.

Strategy and Implementation Summary of a Finance Company Business Plan

This section includes strategies identifying how the business will maintain a competitive edge, market the company, grow sales, and develop a network of contacts and customers.

  • Competitive Edge;
  • Marketing Strategy;
  • Sales Strategy;
  • Sales Forecast; and
  • Milestones.

Web Plan Summary of a Finance Company Business Plan

This section details a website strategy, specific development plan, sales forecast and development budget.

  • Website Marketing Strategy; and
  • Development Requirements.

Management Summary of a Finance Company Business Plan

This section includes all the most important information about the people responsible for the company’s management.

  • Personnel Plan

Financial Plan

This section is a comprehensive evaluation of the company’s current income and future financial state by using current known variables to predict future income, asset values and withdrawal plans.

  • Important Assumptions;
  • Breakeven Analysis;
  • Projected Profit and Loss;
  • Projected Cash Flow;
  • Projected Balance Sheet; and
  • Business Ratios.

Finance Company Business Plan


An appendix covers data or details that aren’t essential to the business plan, but which could provide useful context and background material.

Place any additional documents that you want to use to give your reader a feel for your product, marketing, services, and so on,

Contact us for more information on writing your finance company business plan.