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Business plan preparation
A bank, a lender and a registrar each read a business plan for different reasons. We write the one your reader needs, and make sure it agrees with your licence, CVs and bank statements.
- Bank, lender and registrar versions
- Projections built bottom-up with stated assumptions
- Checked against your tax position before you sign
Which plan do you need?
What is the plan for?
Read by the bank's compliance team. It shows the business is real, what it trades, who with, and where the money comes from.
- Length
- 5–10 pages
- Sections
- Eight
- Tone
- Dense and factual
No plan can guarantee approval. The bank, lender or registrar decides.
What a UAE business plan is for.
In the UAE a business plan is usually written for one of three readers: a bank's compliance team when you open an account, a lender's credit team when you borrow, or a registrar when you apply for a licence. Each wants a different document.
My Eloah Business Hub writes the version your reader needs and reconciles it with your trade licence, ownership records, CVs and bank statements, so nothing in the file contradicts it.
- Bank plan
- 5–10 pages, eight sections
- Lender plan
- 10–20 pages plus financial annex
- Registrar plan
- The authority's own template
- Signed by
- You, after checking every fact
One business, three different documents.
What each reader is looking for.
| Purpose | Who reads it | What it must show | Length |
|---|---|---|---|
| Bank account opening | The bank's compliance team | That the business is real, legal and consistent, and where funds come from | 5–10 pages |
| Loan or facility | The lender's credit team | Repayment capacity: projections, cash flow, cover and security | 10–20 pages plus annex |
| Licence application | Freezone or Mainland registrar | Activities, facility and visa quota, share capital, group structure | As their template |
| ADGM SPV | ADGM Registration Authority | Connection to ADGM, the UAE or the GCC, and the asset to be held | Exactly the template |
The eight sections a bank reads.
Grouped into the three things compliance is testing.
Identity, ownership and management
Activities exactly as on the licence, owners traced to real people, and backgrounds that match the CVs.
The business and its counterparties
What is sold, to whom, from whom and where, with expected monthly turnover, transaction sizes, countries and currencies.
Funds, wealth and substance
Source of funds, source of wealth, and the office, tenancy and staff behind the business.
What a lender looks for.
A credit team reads for one thing: can this business repay.
Performance tied to statements
Past results reconciled to your bank statements.
Three-year projections
Revenue, margins, costs and profit, with cash flow monthly in year one.
Debt service and security
Facility purpose, repayment cover and the security offered.
A downside case
Results at 20% below plan, with base, downside and upside scenarios.
Six steps to a plan that holds up.
We draft; you verify every fact and sign.
Start on WhatsApp →Identify the reader
Bank, lender or registrar, and which one.
Draft the matching document
The right sections, length and tone for that reader.
Build the projections
Bottom-up, from units and prices or clients and average value, with assumptions stated.
Check the tax position
Turnover and activities are checked against VAT and corporate tax thresholds.
Consistency check
Nine points reconciled against your licence, ownership records, CVs, statements and tenancy.
You verify and sign
You confirm every factual claim before the plan goes anywhere.
Business plans, answered.
Ask anything else on WhatsApp and we will answer for your company.
Why does a UAE bank ask for a business plan?
The bank's compliance team is testing whether the business is real, legal and consistent with the rest of your file, and where the funds come from. A good plan answers those questions before they are asked.
Can one plan be used for both the bank and a lender?
No. The facts are the same but the documents are different. A bank wants a compliance profile; a lender wants proof of repayment capacity. Sending the wrong one is a common reason plans are rejected.
How long is a business plan?
A bank plan is 5 to 10 pages. A lender plan is 10 to 20 pages plus a financial annex. A registrar plan follows the authority's own template.
Should the projections be ambitious?
No. They must be supportable, because the bank monitors your account against them. Expected activity should be realistic and slightly wide.
What is the difference between source of funds and source of wealth?
Source of funds is where the money entering the account comes from. Source of wealth is how the shareholders built up their money, and it is what banks most often find missing.
We have no customers yet. Is that a problem?
No. The plan says so and explains the pipeline. We never invent customers, suppliers or contracts.
Do the projections affect tax?
Yes. A signed plan states turnover and activities that carry VAT and corporate tax consequences, so we check it against your tax position before you sign.
Does a business plan guarantee approval?
No. The bank, lender or registrar makes the decision. A plan that matches your licence, CVs and statements removes the common reasons for refusal.
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Tell us who will read it. We write the right plan.
Send your licence and the purpose, and we reply with what the plan will contain and what we need from you.