Founders & Small BusinessFree
Business Plan Writer From Your Notes
Paste your notes, an old plan or a pitch deck. Get a complete business plan with financial tables built from your own assumptions.
River's business plan writer turns what you already know about your business into a complete plan. Paste your notes, attach an old plan or a pitch deck, or describe the business in a few lines. You get every section a lender or investor expects, from the executive summary to the funding request, written in plain language. The financial section is built from your own figures, with each assumption listed, so anyone reading it can see where the numbers came from.
Most business plan generators fill a template from a handful of typed answers and then invent the rest, including market sizes and revenue curves nobody can defend. This plan uses only the facts you give it and figures it can source. Anything missing is marked for you to confirm, not guessed. Before you size the market, the TAM SAM SOM calculator builds sourced figures, and a competitor analysis for small businesses tells you who you are really up against.
This is for owners applying for a bank or SBA loan, founders writing a first plan before raising money, and anyone opening a second location or a new line of business. It also helps when a landlord or a business partner wants to see a written plan before signing anything. If the money comes from investors, the plan pairs naturally with a pitch deck writer that turns the same facts into slides.
What lenders and investors look for in a business plan
The SBA describes two kinds of plan: a traditional plan that goes into detail section by section, and a one page lean plan. Its guide says lenders and investors commonly request the traditional plan. That plan covers the company, the market, the team, products, marketing and sales, the funding request and financial projections. Which sections carry the most weight depends on who reads it, so it pays to know your reader before you write a word.
A lender reads for one question: can this business repay the loan from its cash flow? Take an illustrative coffee shop borrowing $180,000 for a second location. The banker wants monthly cash flow for the first year, the owner's own money going in, what secures the loan, and what happens if sales come in 20% low. An investor reading the same plan cares more about how large the business can grow and how they eventually get paid.
The most common weakness is a projection with no visible assumptions. Revenue that doubles every year with nothing behind it tells a reader you have not done the math. Build revenue from units you can explain, such as customers per day times average ticket times days open. The SBA suggests projecting five years and using monthly or quarterly figures for the first year. Then state the break-even month and the downside case plainly, before the reader asks.
How it works
Share what you have
Paste notes, attach an old plan or deck, or describe the business and the money you need.
River builds the plan
Each section is written from your facts, and the financials are built from your stated assumptions.
Get the full plan
A complete plan in your workspace, with every gap marked for you to confirm or correct.
Refine it in chat
Ask for a lender version, a one page summary, or a new projection if your rent changes.
What you get
- Every standard section, from executive summary and market to team, operations and the funding request
- Financial tables built from your own assumptions, with each assumption listed where readers can check it
- A break-even point and a downside case, so a lender sees what happens if sales disappoint
- Emphasis matched to the reader: repayment and cash flow for banks, growth and return for investors
- Market and competitor figures that are sourced or clearly marked as estimates you still need to check
- Every missing fact marked for you to confirm, instead of a plausible number made up to fill space
Common questions
Will the plan include financial projections?
Yes. River builds a projected income statement, cash flow and break-even from the figures you give it, such as prices, volumes, rent, wages and loan terms. Every assumption is listed next to the tables. Where a number is missing, the plan marks it for you to fill in rather than inventing one. Your accountant can then check the model quickly.
Is this good enough to take to a bank?
It gives you a complete, well organised draft that answers the questions a loan officer asks: how much you need, what it pays for, how the loan gets repaid and what you are putting in. You still need to confirm every figure, and your bank will ask for its own forms, tax returns and statements alongside the plan.
Can it write a plan for a business that has not started yet?
Yes. For a new business the plan leans on your startup costs, your pricing and the volume you expect, and it says clearly which figures are estimates. It is worth backing your sales assumption with something real, such as a competitor's opening hours and traffic or preorders, because a lender will ask where it came from.
How long will the plan be?
As long as the business needs and no longer. A simple service business might need a short plan, and a loan for a build-out needs more detail on costs and repayment. River does not pad sections to reach a page count. If a reader asks for a specific format, tell River and it will restructure the plan.
Does River research my market?
Where your plan needs outside figures, River can look up public sources and cite them in the plan. If it cannot find a reliable figure, the plan says so and marks an estimate for you to check. It never presents a guessed market size as a fact, because a reader who checks one number and finds it wrong stops trusting the rest.
Can I update the plan later?
Yes. The plan is an ordinary document in your workspace. Ask River to change the rent, add a second loan, write a shorter version for a landlord or rewrite the executive summary for investors. Each change carries through to the financial tables and the summary, so the numbers stay consistent across the whole plan.
Built by
Chandler Supple
Co-founder & CEO, River
Chandler has spent the last six years working in AI, building tools for millions of users and Fortune 100 companies. In 2025, he co-founded River to build a new kind of operating system for AI agents.
Business Plan Writer From Your Notes
Describe what you need, add any files you have, and your workspace opens with the work already underway.