Business Plan for Bank & DAMU
Financing approved on first submission, no rounds of revisions
A business plan for a bank is not a narrative about your vision. It is a feasibility study (FS) that the bank evaluates with numbers: DSCR, collateral coverage, repayment schedules, and risk analysis. JB Solutions builds bank-grade business plans for loans at second-tier banks and DAMU programs (Orleu, EPV, DKB, Enbek). Timeline from 10 business days, fee from 250,000 KZT excluding VAT.
When you need this
Applying for a bank loan: to open, expand, or replenish working capital
Seeking a subsidized rate under DAMU programs (Orleu, EPV, DKB, Enbek)
Already received a rejection or revision request: the bank found weaknesses in the financial section
Participating in a government program or tender that requires a business plan
Need a business plan for a local authority, SPK, or other development fund
What's included
- Bank-format business plan (30–60 pages): project description, market, team, marketing
- Feasibility study (FS) in Excel: P&L, CF, balance sheet for 5–8 years with monthly detail
- Key metrics: DSCR, NPV, IRR, payback period, sensitivity analysis
- Risk analysis with a risk-mitigation matrix
- Executive summary (2–3 pages) for initial approval by the bank decision-maker
- One round of revisions based on bank feedback is included in the fee
Process
We clarify the goal, bank, DAMU program, and loan parameters. We scope the work.
We gather revenue, costs, collateral details, business history, and project specifics.
We build the FS in Excel with DSCR calculation, debt service, and scenario analysis.
Project, market, team, marketing, and risk descriptions in the bank or DAMU format.
We assist with submission: answer the bank's clarifying questions and apply revisions.
Pricing
Depends on project scope, loan tenor, and program. One revision round based on bank feedback is included.
Why banks return business plans for revision
The three most common reasons for rejection or revision. First: DSCR below the bank threshold. DSCR (Debt Service Coverage Ratio) shows how many times net operating income exceeds the annual loan payment. Most KZ banks require DSCR of at least 1.2–1.3x. If it is calculated incorrectly or not at all, the application will not pass.
Second: collateral does not cover the debt. The bank looks at not just the collateral amount but its liquidity. Equipment that is hard to sell will be discounted 30–50%. This needs to be addressed during preparation, not discovered at approval.
Third: unrealistic revenue projections. If the plan assumes full capacity utilization from month one, the bank analyst sees it and returns the documents. We build the ramp-up based on real sector dynamics and experience with comparable projects in Kazakhstan.
DAMU programs in 2026
DAMU subsidizes interest rates and guarantees loans through partner banks. Below are the main active programs.
| Program | Borrower rate | Limit | Term | Focus |
|---|---|---|---|---|
| Orleu | 6–10.5% p.a. | up to 5 bln KZT | up to 10 years | Manufacturing, services, tourism, agro |
| EPV | 6% | up to 5 bln KZT | up to 7 years | Consumer goods production |
| DKB | 6% | up to 7 bln KZT | up to 10 years | New projects, expansion, export |
| Enbek | 6% | up to 1 bln KZT | up to 7 years | Single-industry towns, job creation |
What the bank really checks in your application
- DSCR for each year of the loan: at least 1.2–1.3x depending on the bank
- Collateral coverage: banks apply a discount to market value; total coverage must be 100–130% of the loan amount
- Revenue sources: where the money comes from, why that amount, are there contracts or pre-orders
- Cash flow gaps: are there months when cash is insufficient to service the debt
- Ramp-up realism: how fast the business reaches projected capacity
- Team experience: who specifically manages the project and what their qualifications are
FAQ
- How much does a business plan for a bank cost?
- From 250,000 KZT excluding VAT. The final fee depends on project scope, loan tenor, and the specific bank or DAMU program requirements.
- How long does it take?
- From 10 business days: data collection, financial model, narrative, and delivery. If urgent, we run parts in parallel and can reduce the timeline to 7 days.
- How is your plan different from an internet template?
- A template is a set of sections with no real financial logic. Our plan is built on your sector economics: real margin benchmarks, correct ramp-up, DSCR for each year, and sensitivity analysis. A bank analyst tells the difference between a real model and a template in 10 minutes.
- Are you familiar with specific bank requirements?
- Yes. We work with requirements from Halyk Bank, Jusan, ForteBank, Kaspi Business, and DAMU partner banks. Each bank has its own format and threshold preferences.
- What if the bank rejects the application?
- One revision round based on bank feedback is included in the fee. If the bank rejects for substantive reasons (e.g., insufficient collateral), we analyze the rejection together and suggest how to restructure the project or select a different program.
- Does the business need to be operating, or can it be a new project?
- We work with both. For an operating business we use actual revenue and history. For a new project we build the model on sector benchmarks and comparable projects.
- What is DSCR and why does it matter?
- DSCR (Debt Service Coverage Ratio) shows how many times operating profit exceeds the annual loan payment (principal plus interest). KZ banks typically require DSCR of at least 1.2x. If DSCR is below threshold the bank will not approve the loan regardless of collateral.
- Do you help with DAMU document preparation?
- We prepare the full financial portion: business plan, feasibility study, risk analysis, and executive summary. The administrative portion (borrower questionnaire, collateral documents, registration documents) is collected by the client, usually with help from the bank.
Discuss your task
We respond within 1 business day