Expert Business Plan Consultants Who Get You Funded

Investor-ready, lender-ready business plans built around real UK numbers by a qualified accountant.

Looking for a business plan consultant who leads with the numbers, not just the narrative? A plan only earns its keep when the figures behind it stand up to scrutiny from a bank manager, an investor, or a Home Office caseworker. We pair clear, persuasive narrative with three-way financial forecasts grounded in current UK tax, VAT, and payroll rules, so your plan reads as credibly as it models. We write plans across sectors we know well, from technology and ecommerce startups to hospitality, property, and CQC-regulated care homes. Every plan is prepared by a named, qualified accountant (ACMA, CGMA, ACCA, FCCA) on fixed pricing, with a 30-day money-back guarantee. Talk to a consultant for your business plan today and get a clear answer within 72 hours.

  • 4.9 Google · 63 reviews
  • CIMA-regulated
  • 30-day money-back
Business plan consultant reviewing investor-ready financial forecasts on a laptop (Zmartly)
Our expertise covers

Everything in this service, in one bill.

  • 01

    Strategy and market narrative

    We translate your idea into a structured plan: executive summary, mission and objectives, business model, market sizing and total addressable market, competitor analysis, and a SWOT analysis, alongside a sales and marketing strategy, your pricing approach, and a clear customer-acquisition route to revenue. We set out your management team and ownership structure so reviewers see who delivers the plan, and where the idea is still early we can begin with a short feasibility study. The whole narrative is written in plain English so a lender or investor grasps the opportunity in minutes, not pages.

  • 02

    Three-way financial forecasts

    Integrated profit and loss, cash flow, and balance sheet forecasts, usually over three to five years with monthly detail for year one. We build your revenue model from the bottom up, set out start-up costs, cost of sales and gross margin, and model your assumptions and unit economics explicitly. We show the break-even point, the working capital you need (the cash tied up in day-to-day trading) and your cash runway, add best and worst case scenario planning on the figures that matter, and link the plan to clear milestones and KPIs, so reviewers can stress-test every number and, where it matters, the valuation with confidence.

  • 03

    Tax, VAT and payroll modelling

    Forecasts reflect real UK obligations: corporation tax, the £90,000 VAT registration threshold and when you are likely to cross it, dividend versus salary planning, and payroll costs including auto-enrolment pension contributions and the Employment Allowance where it applies.

  • 04

    Funding and lender pack

    Whether you are approaching a high-street bank, the Start Up Loans scheme, the British Business Bank Growth Guarantee Scheme, Innovate UK grant funding, angel investors, crowdfunding or venture capital, we shape the plan to what each audience expects: funding requirement, use of funds, the equity-versus-debt mix, repayment capacity, exit strategy, and a risk analysis with mitigation and sensitivity analysis on your key assumptions. Where it strengthens your raise, we also flag SEIS or EIS eligibility that gives investors valuable tax relief.

  • 05

    Staffing and cost build-up

    We cost your team from the ground up using current National Living and Minimum Wage rates, employer National Insurance, and pension auto-enrolment, so your headcount plan and break-even point are realistic rather than optimistic.

  • 06

    Visa and immigration business plans

    Specialist plans for the Innovator Founder visa, the UK Expansion Worker route, and other immigration routes that demand a business plan, written to the criteria endorsing bodies and Home Office caseworkers assess against: innovation, viability, and scalability. We evidence your research and development activity and growth path, all backed by defensible financials.

  • 07

    Pitch deck and investor materials

    Beyond the written plan we can prepare the supporting materials investors and lenders ask for: an investor pitch deck, a one-page executive summary, and a clean financial model they can interrogate. Each is built from the same numbers as your plan, so your story stays consistent from the first slide to the final appendix.

Why it pays off

What you actually get.

  • Prepared by a named, qualified accountant

    You work with one qualified accountant (ACMA, CGMA, ACCA, FCCA) who signs off the figures, not an anonymous template service. The qualification matters when a lender or endorsing body asks who built the forecasts.

  • Fixed pricing, no surprises

    Plans are delivered on transparent fixed fees of £129, £250, or £499 depending on depth and complexity, agreed before we start, with a 30-day money-back guarantee.

  • Numbers that survive scrutiny

    Forecasts are built on current 2026/27 UK tax, VAT, payroll, and pension rules, so reviewers find the assumptions credible rather than picking holes in outdated figures.

  • Replies within 72 hours

    We respond to questions and revisions within 72 hours, keeping your funding application or visa deadline on track.

  • Connects to your live accounts

    We can build forecasts that map cleanly to your Xero, QuickBooks, FreeAgent, or Sage data, so the plan reconciles with the books you actually keep and is easy to update later.

  • Support that continues after delivery

    With rolling monthly accounting available, your plan becomes a living tool we help you track against, not a document that gathers dust once the funding lands.

Why choose accountant-led business plan writing services?

You have probably been told a business plan is about telling a good story. It is not. It is about numbers that hold up when someone whose job is to say no goes looking for a reason to. Most plans fail in that moment, the bank manager who spots a revenue line that assumes you win 1% of the market on day one, the investor who pulls one thread and watches the forecast unravel, the Home Office caseworker who has read a hundred plans this month and recognises a template at a glance.

That is why our business plan writing services are accountant-led, not a generic writing shop or an offshore template mill. Every plan is built by a named, qualified accountant (ACMA, CGMA, ACCA, FCCA). The qualification is not a badge for the website. It is the reason your forecasts are built bottom-up from real unit economics, modelled against current UK corporation tax, VAT, and payroll rules, and written to the standard a lender or endorsing body actually applies.

You work with one named business plan consultant from the first call to the finished plan. They learn your model, challenge the assumptions that will not survive due diligence, and shape the narrative so a reader grasps the opportunity in minutes rather than pages. One point of contact, who signs off every figure, replies within 72 hours, and is still there after the funding lands.

Working with a business plan accountant, not just a writer

A writer can make a document read well. Only someone who builds forecasts for a living can make the figures behind it survive a reviewer pulling them apart. Your plan is signed off by the same qualified professional who builds the numbers, so there is no gap between the story on page two and the model in the appendix.

How a business plan writing consultant builds your numbers

Our expert business plan consultants start with your real figures, your price, how many customers you can reach, how long a sale takes, and what it costs to deliver, then build the totals up from there. We do not start with a giant market and claim a slice of it, because experienced reviewers reject that on sight. The result is a forecast you can defend line by line.

See also: three-way financial forecastingrolling cash flow management

Which business plan services fit your funding goal?

The business plan services you need depend on who is reading. The plan that wins a high-street bank loan is not the plan that secures an equity investor, and neither is the plan that satisfies a visa caseworker. Each reads against different criteria and rejects on different grounds. A good consultant for your business plan shapes the narrative, the financials, and the depth of detail around the outcome you actually need, so your plan is judged on its merits rather than dismissed for being in the wrong shape.

Investor-Ready Plans

Investors back evidence, not optimism. Yours is built around a clear equity story, market size, traction, and a three-year, three-way forecast they can stress-test line by line, with a matching pitch deck so you walk into every meeting with the right artefact. The numbers are modelled so the questions you get asked are about growth, not about why your figures do not add up.

Bank, Start Up Loans and Grant Applications

Banks, the Start Up Loans scheme, and grant bodies such as Innovate UK each publish their own format and scoring criteria, and a plan submitted in a generic structure stalls before anyone reads the detail. Yours is formatted to what each one expects: funding requirement, use of funds, realistic repayment capacity, and sensitivity analysis on the risks they will ask about first.

Visa and Immigration Plans

For the Innovator Founder and similar routes, your plan is assessed against three specific tests, innovation, viability, and scalability, by an endorsing body that turns down anything it cannot defend. We write to those exact tests and back every claim with financials that stand up, because a refused application costs you far more than the plan ever did.

What do our business planning consulting services include?

Our business planning consulting services go beyond a single document. When you hire a business plan consultant with us, you get a written plan and three-way financial forecasts, an investor pitch deck and a one-page summary, and the option of ongoing support once the funding lands. It is professional business plan writing backed by real finance expertise, agreed on a fixed fee before any work starts.

If you need the numbers watched between funding rounds, our ongoing finance support carries the plan forward rather than leaving it to gather dust. Wherever you are in the UK, from London to Swansea, you work with the same named business plan consultant from the first call to the finished plan.

See also: part-time finance director support

How we deliver

Four steps from first call to filed.

  • 01

    Discovery

    Understanding your business needs.

  • 02

    Solution Design

    Crafting your custom accounting strategy.

  • 03

    Onboarding

    Quick and easy integration.

  • 04

    Regular Rhythm

    Consistent monitoring and reporting.

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Common questions

Frequently asked questions.

A plan is a 25-40 page document explaining market, model, operations, team, and five-year financials in depth - it is what banks, grant bodies, and serious investors read after the deck. A pitch deck is 10-15 slides designed to win a follow-up meeting. We deliver both as a pair so you have the right artefact for every conversation.

Yes - High Street banks, Start Up Loans, Innovate UK, regional growth grants, and most local enterprise partnerships publish specific templates and scoring criteria. Plans drafted to the right format come back with funding decisions noticeably faster than plans submitted in a generic structure.

Projections are built bottom-up from your unit economics - price, conversion rate, sales cycle, cost to serve - and benchmarked against your sector. Top-down forecasts that claim 1% of a £10 billion market die in due diligence; we model the realistic ramp instead, which is what experienced investors look for.

Three to four weeks for a standard investor-ready plan, including two workshop sessions with you and one revision round. Faster turnarounds (10 working days) are available for time-pressured fundraises or grant deadlines and are quoted on engagement.

Most plans gather dust the day after the round closes. We build yours as a living document with a quarterly check-in - actuals versus plan, assumption refresh, milestone progress - so the next round, the next bank conversation, and your board reviews all reference one current version.

Freelance writers typically charge £60 to £200 an hour, and specialist consultancies often quote £1,500 to £8,000 for a full investor-grade plan, usually without telling you the final figure until the work is done. We do it the other way round. Fixed fees of £129, £250, or £499 depending on the depth and complexity of your plan, agreed in writing before we start, with a 30-day money-back guarantee. You know the exact cost up front, with no hourly clock running and no surprise invoice at the end.

A template hands you the headings but none of the judgement, and the judgement is the part that gets you funded. Lenders, investors, and caseworkers read hundreds of plans and spot generic, top-down numbers in seconds. A qualified accountant (ACMA, CGMA, ACCA, FCCA) builds your forecasts bottom-up from your real unit economics, pressure-tests every assumption the way a reviewer will, and writes to the format each audience scores against. That is the difference between a plan that gets skimmed and one that gets a yes.

Yes. Most of our plans are commercially sensitive to the clients who paid for them, so rather than post them publicly we share redacted samples relevant to your situation, an investor plan, a bank or Start Up Loans application, or a visa plan, on a short call. We will also walk you through the three-way forecast model itself, so you can see exactly how the numbers are built and who is building them before you commit a penny.

Yes. We are based in London, but the work is done over video calls and shared documents, so we help founders wherever they are in the UK, from a search for a business plan consultant near me to firms looking for a business plan expert in Swansea, Manchester, or anywhere else. You get the same named accountant and the same fixed fee, no matter your postcode.

Word of mouth

What clients actually say.

  1. I’ve had an excellent experience working with Zmartly. Harvey and the team are professional, responsive, and genuinely supportive. They explain things clearly, stay on top of deadlines, and always look for practical ways to save tax and improve…
    Google reviewer land4 success (chill feel good)
    land4 success (chill feel good)Verified Google review · 6 months ago
  2. I’ve used several accountants in the past, but hands down there is no one better than Harvey at Zmartly. He really understands exactly what advice you’re looking for and explains everything clearly and professionally. Nothing ever feels rushed…
    Google reviewer Heena
    HeenaVerified Google review · 4 months ago
  3. I started working with Zmartly Accountants after having serious issues with my previous accounting firm. They were missing deadlines, incorrectly calculating VAT, constantly late, and extremely difficult and frustrating to communicate with. Switching to Zmartly was a huge…
    Google reviewer Jorge Carballo Gomez
    Jorge Carballo GomezVerified Google review · 5 months ago
  4. I've had a terrible experience with multiple accountants. Zmartly have been incredible. If you do ecommerce / Amazon FBA you definitely need to go with someone who understands the complexities with it. Thanks to Harvey and his amazing…
    Google reviewer Sean Barrington
    Sean BarringtonVerified Google review · 6 months ago
  5. Its not easy to find accountants who understand ecommerce especially Amazon and these guys know Amazon very well. Always helps us with advice if they spot something we incorrectly. Super easy to speak with someone if you have…
    Google reviewer Darius Jaselskis
    Darius JaselskisVerified Google review · 6 months ago
  6. I’ve had an excellent experience working with Zmartly. Harvey and the team are professional, responsive, and genuinely supportive. They explain things clearly, stay on top of deadlines, and always look for practical ways to save tax and improve…
    Google reviewer land4 success (chill feel good)
    land4 success (chill feel good)Verified Google review · 6 months ago
  7. I’ve used several accountants in the past, but hands down there is no one better than Harvey at Zmartly. He really understands exactly what advice you’re looking for and explains everything clearly and professionally. Nothing ever feels rushed…
    Google reviewer Heena
    HeenaVerified Google review · 4 months ago
  8. I started working with Zmartly Accountants after having serious issues with my previous accounting firm. They were missing deadlines, incorrectly calculating VAT, constantly late, and extremely difficult and frustrating to communicate with. Switching to Zmartly was a huge…
    Google reviewer Jorge Carballo Gomez
    Jorge Carballo GomezVerified Google review · 5 months ago
  9. I've had a terrible experience with multiple accountants. Zmartly have been incredible. If you do ecommerce / Amazon FBA you definitely need to go with someone who understands the complexities with it. Thanks to Harvey and his amazing…
    Google reviewer Sean Barrington
    Sean BarringtonVerified Google review · 6 months ago
  10. Its not easy to find accountants who understand ecommerce especially Amazon and these guys know Amazon very well. Always helps us with advice if they spot something we incorrectly. Super easy to speak with someone if you have…
    Google reviewer Darius Jaselskis
    Darius JaselskisVerified Google review · 6 months ago
4.9
Google · based on 63 reviews
Zmartly Ltd12 Hammersmith Grove, London W6 7AP020 8175 5145[email protected]
Free · 30 minutes · No obligation

Stop overpaying tax. Start filing in 5 days.

Thirty minutes with a qualified accountant. Most owners uncover £1,000-£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.

Google reviewer land4 success (chill feel good)Google reviewer HeenaGoogle reviewer Jorge Carballo GomezGoogle reviewer Sean BarringtonGoogle reviewer Darius Jaselskis
Joined by 240+ UK businesses this year
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