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Business plan template

Write your business plan chapter by chapter, with tips for the Surinamese market. Enter your investment, financing, revenue and costs: the tool works out your loan payment, monthly result and break-even revenue. Print or save as PDF for the bank, the NOB or an investor.

Free, no account. Everything happens in your own browser, nothing is sent to us.

New to business plans? Read Writing a business plan first: what goes in, what banks in Suriname ask for and where to get free help. Everything you type here is saved automatically on your own device.

Details
Entrepreneur and idea
Write this last. One page at most: the bank reads this first.
Why are you the right person? Name your weak spots too and who covers them (bookkeeper, partner, adviser).
Make it concrete: what it costs, where and when people can buy it, what makes it different from what already exists.
Market and marketing
Suriname has about 640,000 people and many customers are price-sensitive. Use numbers you can back up: conversations, quotes, letters of intent, a trial sale.
Compare with imports: can you deliver it locally cheaper, fresher or faster? What will you do if a large importer cuts the price?
Buying in dollars and selling in SRD? Explain how your prices move when the exchange rate rises. Price and markup
Organisation and operations
Say which licences you already have and which you still need to apply for. Start a business · Business licences
Use the gross wage plus employer costs (AOV, pension, health insurance, leave allowance), not the net wage. Employer costs · Net salary calculator
For imports: plan for the lead time up to and including customs, and for import duty and import VAT. Import cost calculator
Risks
Per risk: how likely, what it costs, what you do (generator, buffer stock, deposits, insurance).
Investment
Use the currency you mostly earn in. A USD loan with SRD income carries exchange-rate risk.
Get a quote for every large item. Do not forget working capital: money for the first months of rent, wages and stock.
Financing
For comparison: the average bank lending rate was 14.0% in April 2026 (CBvS); the NOB charges 5% in its Production Credit Fund. Business financing
Revenue and costs per month
What each unit of sales costs you in purchases, packaging, commission and transport. If you sell for 100 and buying costs 60, enter 60.
The tool adds your loan payment itself. Include a wage for yourself as a fixed cost.

Preview of your plan

How to use this tool

  1. Start with the numbers. Fill in investment, financing, revenue and costs first. If the sums do not work (not enough financing, a loss every month), adjust your idea before you write pages about it.
  2. Write the chapters. Short and concrete: who, what, how much, when. A loan officer wants facts and evidence, not advertising copy.
  3. Write the summary last and put your key figures in it: total investment, own contribution, the loan you ask for and the monthly payment.
  4. Make a PDF with "Download PDF / print" and choose "Save as PDF" in the print dialog. Add quotes, your KKF extract and a cash flow forecast as annexes.

A bank or the NOB usually asks for a three-year forecast. Work it out month by month with the Cash flow planner, test your price with the Break-even calculator and compare loans with the Loan calculator. The other documents you need are listed in Business financing.

Also useful

Cash flow planner12 months ahead, balance per monthBreak-even calculatorHow much to sell to break evenLoan calculatorMonthly payment and schedulePrice and markupFrom USD cost to SRD shelf price

All free tools →

A helpful tool, not tax or legal advice. Check important amounts.

Frequently asked questions

Where is my business plan kept?

On your own device. The tool saves your text and figures automatically in your browser (local storage), so you can continue later. Nothing is sent to us. If you are signed in, it is kept in your own account like your other tool data. New clears everything.

How does the tool calculate the loan payment?

As an annuity: the same amount of interest plus repayment every month, based on the amount, the yearly rate and the term in months. Extra costs such as fees, valuation and notary are not included; ask your bank.

What does break-even revenue mean here?

The monthly revenue at which you come out at zero after purchases, fixed costs and the full loan payment. Below it you are short of money every month; above it you keep something (before tax).

Is this enough for a loan application?

It is a good basis. Banks and the NOB usually also ask for three-year projections, supplier quotes, your KKF extract and details of the collateral. See the financing guide for the documents.