Utibe EtimBusiness plans, funding and planning tools

Written by a founder who has won grant funding, and helped others win theirs.

For founders facing a bank, a grant panel or an investor

Know what it will cost, what it can earn, and how to prove it.

Most people find out what a business really costs after the money is gone. Start the other way round. See your startup cost, your monthly running cost, the sales you need to break even, and three years of projections you can defend in front of a lender, a grant panel or an investor.

The plan is already written and the figures are already in it. You are not filling in a blank template. You change the business name, the location and your own numbers, and it is yours.

Find My Business Plan

130+ Nigerian industries. From ₦16,125. Pay by card and download immediately, or pay by bank transfer.

Questions this answers

Your business. Your numbers.

Word plan and Excel model, built for your industry

What will it cost to start?✓
What are the monthly costs?✓
How much must I sell to break even?✓
What will it earn in 3 years?✓
What will the bank ask for?✓
What if sales come slowly?✓

Word + ExcelBANK
READY3-yr financials

10+ yearswriting business plans
1,200+custom business plans written
5,000+readymade plans sold
TEFTony Elumelu Foundation mentor
YouWINgrant winner

Be honest

Somebody has asked you for a business plan.

The bank officer. The grant form. The investor. Maybe your spouse.

And you have a blank page.

You tried a free template. It was written for America, in dollars.

You tried ChatGPT. It gave you confident numbers it made up.

You paid someone once. The plan came back with another business’s name still inside it.

Meanwhile, the money is real. ₦3 million. ₦10 million. ₦30 million. Your savings, or money you borrowed.

Going in without numbers is not courage. It is guessing.

The fix

Start with a plan that has already done the hard part.

Each plan is written for one specific Nigerian business. Pure water. Fuel station. Frozen food. Poultry. Fish farming. 130+ more.

The market research is done. The structure is the one lenders and grant panels expect. The 3-year financials are built.

The plan arrives already written and already filled in. The market section, the strategy, the operations and the financial model are all there, with working figures in them.

What you change is the business name, the location, and your own prices and quantities. The same day, you have a plan you can present.

Not a PDF you cannot touch. Not a 2-page outline. A full business plan you own and can edit.

Proof

What happens after people buy.

Messages from buyers, exactly as they arrived. Two of them went on to win funding. Their results are their own, and a plan improves your case rather than deciding it.

WhatsApp message from a buyer saying he won the Jerry Eze Foundation Business Grant 2026 and it would not have been possible without the resources and support — The Jerry Eze Foundation Business Grant 2026. He applied with the planning and the funding material from here.

WhatsApp message from a buyer saying he was selected for a Tony Elumelu Foundation grant and that the business plan really helped — Tony Elumelu Foundation, 5,000 dollars. His words, unprompted: your business plan really helped.

Email from a buyer saying the quality is as advertised, it is a job well done, and that he was sceptical but is now convinced and will refer others — He opened the Word structure and the Excel-linked tables and checked them himself before he said this.

Watch first

See exactly what you are getting

A short walkthrough of a real plan and its financial model. Real content, not a sales reel.

What’s inside

What you get, page by page

The business plan

MS Word, fully editable

Executive summary
Company overview, mission and objectives
Products and services description
Industry and market analysis, Nigerian context
Customer and competitor analysis, SWOT
Marketing, pricing and sales strategy
Operations plan and operating expenses
Development timeline
Management and staffing
Appendices and supporting diagrams

The 3-year financial projections

Excel workbook

Startup budget and capital requirement
Payroll
Sales projections
Operating expenses
Cash flow statement
Income statement, profit and loss
Balance sheet
Breakeven analysis
Assumptions you can change
Financial risk notes

Three pages from a real readymade business plan: the cover, the full table of contents, and a financial highlights page with a three-year table and chart — Real pages from the AquaPure table water plan. Every industry follows the same structure.

Two sheets from the Excel financial model: a three-year balance sheet, and a rate card where the yellow cells are the inputs you change — The Excel model. The yellow cells are the ones you change.

Change the prices. Change the quantities. Change the location. The plan still holds together.

Find My Business Plan

Editable Word and Excel. Not a locked PDF.

Utibe Etim, founder of Etimate Global Services

Who wrote these plans

I have sat on the other side of the table.

My name is Utibe Etim. I won my first grant in 2012. By 2013 I was helping other founders win theirs, and in 2015 I made this my full-time work. That is more than ten years of writing business plans and funding documents for Nigerian businesses.

I have written more than 1,200 custom business plans. As a Tony Elumelu Foundation mentor I have also sat with founders over their own plans and funding applications. I know what makes a reader keep going, and what makes them close the file after two pages.

I won the YouWIN grant with my own plan, and the Kickstart grant and the Lagos State Empowerment Fund along the way. I have also run real businesses, including fish farming, so I know the difference between numbers on paper and numbers in the pond.

Every readymade plan on this page follows the same structure I use for custom clients.

Utibe EtimFounder, Etimate Global Services. Lagos, Nigeria.

The honest comparison

Three ways to get a business plan

	Write it yourself or use ChatGPT	Hire a consultant for a custom plan	A readymade plan from this page
Cost	Free	₦150,000 to ₦500,000	From ₦16,125
Time to have a plan	2 to 4 weeks	1 to 3 weeks	Today
Nigerian costs and market	Guessed	Yes	Yes
3-year financials	Only if you can build them	Yes	Yes, in Excel
Written by someone who has done 1,200+ of them	No	Sometimes	Yes
Editable by you	Yes	Usually not	Yes, Word and Excel

Swipe the table sideways to see all columns.

A fully custom plan, researched around your own business and your own market, is a different service. We offer it in several packages. If that is what you need, message us and we will talk through which one fits. If you want a solid plan today, start here.

Before you buy

This is right for some people and wrong for others.

Buy this if you are

Starting a business and you want to know the real cost before you commit money
Preparing for a loan, grant or investor conversation and you need a credible document to work from
Already running the business and planning an expansion
Looking for a 3-year roadmap, not just a file to submit
Willing to put in your own name, location and figures

This is not for you if you want

A guarantee of a loan, a grant or an investment. No document can give you that
A plan built from scratch around your exact business and your own market research. That is our custom service, priced separately
Costs already correct for your street and your suppliers. You research and update those
A finished document you can submit without opening it
One on one advisory throughout. That comes with the custom package

Find yours

Choose your business plan

130+ readymade, bank-ready plans across every major industry. Every plan is listed below with its price. Buying for more than one business? The discount applies automatically in your cart: 10% off 2 plans, 15% off 3 or 4, 20% off 5 or more. No code needed.

Agriculture and Agro-Processing
Food, Beverage and Hospitality
Retail, Trading and E-commerce
Health and Beauty
Manufacturing and Production
Transport, Logistics and Auto
Real Estate, Construction and Energy
Tech, Finance and Digital
Education, Events and Professional Services

Do not see your exact business? Scroll the full list below first, it is longer than most people expect. If it is genuinely not there, we build custom plans too, and you will find how to reach us further down this page.

Select All Add to Cart (Selected)

Add to Cart (Selected)

Prefer to pay by bank transfer? You can. At checkout choose “Direct Bank Transfer/Deposit” and our account details are revealed as soon as you place the order, and sent to your email. Send your proof of payment to WhatsApp 0703 154 2324 and your files go out the same day.

How it works

Three steps. No back and forth.

Pick your planFind your business in the table above and click Order Now. Buying more than one? Tick them and click Add to Cart.
Pay your wayCard or USSD through the secure Paystack checkout. Prefer a bank transfer? Choose “Direct Bank Transfer/Deposit” and our account details are revealed the moment you place the order.
Get your filesPay by card and your download opens the moment the payment goes through. Paid by transfer? Send your proof to WhatsApp 0703 154 2324 and your files go out the same day.

Stuck at any step? WhatsApp 0703 154 2324. A real person answers.

Proof

What buyers say

WhatsApp message from a buyer saying the work is very professional and that he will make a few adjustments and submit it — A snail and grasscutter farm. Bought it, adjusted the figures, submitted it.

WhatsApp message from a buyer about a media equipment rental plan, referring to a specific figure on page 42 of the financial overview — A media equipment rental project. He read as far as page 42 and queried one figure against his own numbers. That is what a real plan invites.

Worth more than the price

“The plan is rich, detailed, and professionally developed, exactly as explained on your web page. It is worth more than the price.”

Mrs. Esther Enudi

Included free

Buy any plan and you also get

Business Grant and Funding BlueprintHow to find and apply for Nigerian grants and loans most people never hear about.
CAC Business Name Registration video trainingRegister your own business, or earn by registering for others.
Access to my grant opportunities groupLive grant, loan and funding openings as they come.
A free 30-minute strategy call with meBring your plan and your questions.

All four, included free with every plan. No extra cost and no upsell.

Price

What it costs

Readymade Business Plan

From ₦16,125Every plan’s own price is shown in the table above

One-time payment. No subscription.
Editable Word plan and Excel financial model.
Four bonuses included free, no extra cost.
10% off 2 plans, 15% off 3 or 4, 20% off 5 or more. Applied automatically in your cart.

Back to the Plans

₦16,125 is less than a full tank of fuel. It is a fraction of what a custom consultant charges. And it is the cheapest decision you will make before putting millions into a business.

Fair questions

Straight answers to the doubts you have

“How do I know I will actually receive it?”

You see exactly what happens after payment: the checkout on utibeetim.com, then the download link and the files in your email. My WhatsApp number is on this page and a real person answers it. More than 5,000 readymade plans have been bought here.

“It is a template. Other people have the same plan.”

A bank officer or grant panel judges whether your plan is sound and whether your numbers make sense. That is what this gives you. You put in your name, your location and your figures. If you want it fully personalised, we do that too.

“Will a bank or the Tony Elumelu Foundation accept it?”

It follows the structure lenders and grant panels expect, and I have mentored founders through these applications. But nobody honest can promise you approval. That depends on you, your business and the institution. Anyone who promises approval is not being straight with you.

“Prices change every month in Nigeria. Will the numbers be outdated?”

That is exactly why the financials are in Excel rather than a locked PDF. Update your prices and quantities and the projections move with them.

“Why pay when ChatGPT is free?”

ChatGPT does not know what a sachet machine costs in Ikorodu. It will invent a number with total confidence. These plans are written by someone who has done more than 1,200 of them.

“I am not good with Word or Excel.”

Send us your details and we will update the business name, figures and location for you for a small fee. Message us on WhatsApp after you buy.

Our promise

30-Day Money-Back Guarantee

If the plan is not what this page describes, tell us within 30 days. We will fix it first. If we cannot put it right, you get a full refund, no hassle.

We do not tie refunds to loan or grant approval, because no honest person can promise you that. We stand behind what we control: the quality of the plan.

FAQ

Questions buyers ask before paying

What exactly am I getting?

A professionally written, editable business plan in Microsoft Word, plus a 3-year financial model in Excel. Executive summary, market analysis, marketing plan, operations, management and full financials. Not a locked PDF.

How soon do I get it?

Immediately. Pay online by card and your download link opens as soon as the payment is successful, and the files are emailed to you as well. If you pay by direct bank transfer, send your proof of payment to WhatsApp 0703 154 2324 and your files go out the same day.

Can I edit it myself?

Yes, completely. Change the business name, your details, the location, the prices and the quantities in Word and Excel.

I am not comfortable with Word or Excel. Can you edit it for me?

Yes, for a small fee. Send us your business name, figures and location and we will update it for you.

My business is not in the list. What do I do?

WhatsApp us on 0703 154 2324. If we have it, we will send the link. If we do not, we will show you the custom plan options.

Can I use this to apply for a grant or loan?

Yes, as your starting point. Our plans are used for BOI loans, NIRSAL MFB, Tony Elumelu Foundation, state empowerment funds and private investment. Each programme has its own form and questions, so use the plan to answer them with real numbers.

Is this a guarantee that I will get a loan or grant?

No. A strong plan gives you a far better chance, but approval depends on the applicant, the business and the institution. Anyone who guarantees approval is not being straight with you.

Do you offer a discount for more than one plan?

Yes. 10% off two plans, 15% off three or four, 20% off five or more. The discount applies automatically in your cart, so there is no code to remember.

How do I pay?

By card, USSD or mobile banking app through the secure Paystack checkout on utibeetim.com. You can also pay by direct bank transfer or cash deposit: choose “Direct Bank Transfer/Deposit” at checkout and our account details are revealed as soon as you place the order, and sent to your email as well. Send your proof of payment to WhatsApp 0703 154 2324 and your files go out the same day.

What if the plan is not what I expected?

You are covered by the 30-Day Money-Back Guarantee above.

I want a fully customised plan. Do you do that?

Yes. We build custom business plans around your idea, your funding need and your own figures. Message us on WhatsApp for the custom packages.

Who is behind this?

Utibe Etim and Etimate Global Services, Lagos. Writing business plans and funding documents for over ten years.

Your idea deserves better than guessing.

You can spend the next three weeks writing 40 pages from scratch.

You can commission a custom plan and wait a few weeks.

Or you can open your plan today, put in your numbers, and walk into that meeting ready.

Choose My Business Plan

From ₦16,125. Editable Word and Excel. Four bonuses free. Pay by card or bank transfer.

Questions first? Ask Coach Utibe on WhatsApp

Readymade plansfrom ₦16,125

See Plans

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Daycare Business Plan with 3-Year Financial Projections (2027 Edition)	Original price was: ₦32,500.00.Current price is: ₦16,125.00.	Daycare Business Plan with 3-Year Financial Projections (2027 Edition) quantity
Dispatch Rider/Delivery Agent Business Plan with 3 Years Financial Projections	Original price was: ₦32,250.00.Current price is: ₦16,125.00.	Dispatch Rider/Delivery Agent Business Plan with 3 Years Financial Projections quantity
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Drug Manufacturing Business Plan with 3 Years Financial Projections	Original price was: ₦32,250.00.Current price is: ₦16,125.00.	Drug Manufacturing Business Plan with 3 Years Financial Projections quantity
E-commerce Business Plan With 3-Year Financial Projections	Original price was: ₦32,500.00.Current price is: ₦16,125.00.	E-commerce Business Plan With 3-Year Financial Projections quantity
Ethanol Business Plan with 3 Years financial Projections	Original price was: ₦32,500.00.Current price is: ₦16,125.00.	Ethanol Business Plan with 3 Years financial Projections quantity
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Eye Care and Clinic Business Plan with 3 Years Financial Projections	Original price was: ₦30,000.00.Current price is: ₦16,125.00.	Eye Care and Clinic Business Plan with 3 Years Financial Projections quantity
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