Business planning — a plan you can defend to a bank

The problem

You need a term loan. You ask AI for a business plan, get twelve well-structured pages, and submit it. The credit officer asks where the ₹42 per litre procurement rate came from.

What you need

Purpose: bank term loan, ₹85 lakh, dairy processing unit, Nashik. Have: land owned, two supplier tie-ups (verbal), machinery quote, five years of trading history in a related business.

The tool

Any assistant with the chain prompt

The prompt

What comes back

2. EVIDENCE AUDIT (extract) Market section — Local demand for paneer in Nashik region: [I MUST GET IT] — a physical survey of 20 retailers, not a market report.

Verify before you use it

• Get the milk rate in writing. A verbal tie-up is not evidence, and it is the number the whole plan rests on.
• The supplier payment-terms point is the one most first-time dairy operators miss. Daily payment against monthly retailer credit is a working capital gap that can sink an otherwise sound plan.
• Do the physical retailer survey. Twenty conversations produce better evidence than any report, and you can name them in the plan.
• Note the advice to remove sections. A shorter plan with sourced numbers is stronger than a comprehensive one with invented ones.