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Download Free Business Plan Examples

Download a free business plan in pdf or word doc format to make writing a plan fast and easy, find your sample plan.

Discover the sample plan that best fits your business. Search our gallery of over 550 sample business plans and find the one that's right for you.

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What You'll Get:

A complete business plan Unlike other blank templates, our business plan examples are complete business plans with all of the text and financial forecasts already filled out. Edit the text to make the plan your own and save hundreds of hours.

A professional business plan template All 550 of our business plans are in the SBA-approved format that’s proven to raise money from lenders and investors.

Instructions and help at every step Get help with clear, simple instructions for each section of the business plan. No business experience necessary.

A Word doc you can edit We don’t just have PDF documents that make editing a challenge. Each plan is available in Word format so you can start editing your business plan example right away.

Key Sections Included in our Example Business Plans:

Executive Summary : A quick overview of your plan and entices investors to read more of your plan.

Company : Describes the ownership and history of your business.

Products and Services : Reviews what you sell and what you’re offering your customers.

Market Analysis : Describes your customers and the size of your target market.

Strategy and Implementation : Provides the details of how you plan on building the business.

Management Team : An overview of the people behind the business and why they’re the right team to make the business a success.

Financial Plan : A complete set of forecasts including a Profit and Loss Statement, Cash Flow Statement, and Balance Sheet.

Looking for a sample business plan PDF? You can download a few PDF examples below:

• Accounting and Bookkeeping Sample Business Plan PDF
• Agriculture Farm Sample Business Plan PDF
• Cleaning Service Sample Business Plan PDF

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Business Plan Templates

Free Download

2 Essential Templates For Starting Your Business. Available as an interactive PDF or a Google Docs template.

With this business plan template, you'll be able to:

• Write a company description that sells your story
• Plan for the future: lay out goals and metrics for success
• Describe your product line in detail and plan for how to stand out from competitors
• Consider any legal formalities that require attention when starting your business
• Put together necessary financial projections to make a strong start
• Create your buyer persona and determine your product/marketing fit

Build A Business Plan That Works

Available as a one-page interactive PDF and a full template on both Google Docs and Microsoft Word!

Whether you’re starting a business or drafting a formalized document with  your current business goals, it’s important to clearly defi ne the scope of all aspects of the venture — from mission, to target customers, to fi nances, and beyond.

When just starting out, it can be tempting to think of a business plan as simply your company’s name and a description of your product or service. But in reality, planning a business involves thinking through a lot more details.

In this business plan template we’ll guide you through the steps of writing company and product descriptions, setting sales and marketing goals and plans, and thinking through legal and fi nancial logistics. We've included a  plain text, designed , and  completed example version of this template. 

Frequently Asked Questions (FAQs)

How do you write a business plan.

A business plan is a formal written document that you can use to identify the purpose of your company, make important decisions about your future and help grow your company. HubSpot's free business plan templates provides guidance to establishing your company mission, customer research, competition, and a business strategy to profitability.

Why do I need to fill out the information requested?

We will always keep your personal information safe..

We ask for your information in exchange for a valuable resource in order to (a) improve your browsing experience by personalizing the HubSpot site to your needs; (b) send information to you that we think may be of interest to you by email or other means; (c) send you marketing communications that we think may be of value to you. You can read more about our privacy policy here .

Where can I get a free business plan template?

HubSpot's Free Business Plan Templates are the best way to create a professional, thorough business plan. The templates include instructions and everything you need to know about starting your company.

Is this really free?

Absolutely.

Just sharing some free knowledge that we hope you’ll find useful. Keep us in mind next time you have marketing questions!

What are the basic format of a business plan?

A business plan is a written document that outlines the company's goals, strategy and implementation. The format of the plan varies depending on the type of organization (e.g., for-profit or nonprofit) and size, but most plans share some common features such as an overview, executive summary, and financial information.

What is the best business plan template?

A great business plan template clearly defines the scope of the venture -- from mission, to target customers, to finances, and beyond. HubSpot's business plan template will guide you through the steps of writing company and product descriptions, setting sales and marketing goals and plans, and thinking through legal and financial logistics.

What is needed to start a business?

If you're thinking about starting a business, you'll need to do some research first. You can't just start a business without doing any market research. Market research will tell you if there's an opportunity to turn your idea into a successful business. After that, write your business plan so that you know how much money and time it will take for the project to succeed. Use HubSpot's free business plan template today!

Set yourself up for success with this business plan template

Download the free business plan template.

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Business plan template

If you’re looking for a way to start your business off on the right foot, a business plan template can help you establish the foundation for your strategy. Get started in a few clicks with Asana’s free business plan template.

Sign up to use this template.

INTEGRATED FEATURES

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You’re pumped—you just thought of the greatest business idea ever. You want to get started, but you don’t have a plan laid out. You need a loan to get your idea off the ground, and the bank wants to see an in-depth business plan. We’re here to help.

What is a business plan template?

A business plan template is a framework that helps you solidify your ideas in an organized format. Our free business plan template walks you through how to create a new business from scratch, or re-imagine your existing business in a new market.

What components are included in a business plan template?

Our business plan template covers what an organization wants to achieve within three to five years. By using our template, you’ll have a place to capture all of the major information you need in order to complete your business plan. That includes:

Company description : Information like your executive summary , your company’s mission statement and vision, and your founder’s bio. 

Product and services: A high-level overview of what your company provides, including core products or services. This may also include how your product is developed, any potential screenshots or prototypes of your product, and pricing plans.

Marketing plan: How you plan to bring your product into market at a high level. You can add information like a SWOT analysis , target market research, and brand positioning in this section.

Financial plan: Important financial information such as balance sheets, a break-even analysis, and your cash flow projections. 

Management and organization information: Information on your company’s founders, executive team, and the board of directors.

How to use our free business plan template

Using Asana’s free business plan template is simple. Start by creating a new project with our free template. From there, add relevant information for your specific business plan in the sections provided in our template. If there’s more information you want to include in your business plan, you’re free to add sections, custom fields, or additional tasks to make this template fit your needs.

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Reporting . Reporting in Asana translates project data into visual charts and digestible graphs. By reporting on work where work lives, you can reduce duplicative work and cut down on unnecessary app switching. And, because all of your team’s work is already in Asana, you can pull data from any project or team to get an accurate picture of what’s happening in one place.

Milestones . Milestones represent important project checkpoints. By setting milestones throughout your project, you can let your team members and project stakeholders know how you’re pacing towards your goal. Use milestones as a chance to celebrate the little wins on the path towards the big project goal. 

Project Overview . Project Overview is your one-stop-shop for all important project context. Give your team a bird’s-eye view of the what, why, and how of your project work. Add a project description to set the tone for how you’ll work together in Asana. Then, share any important resources and context—like meeting details, communication channels, and project briefs—in one place.

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Google Workplace . Attach files directly to tasks in Asana with the Google Workplace file chooser, which is built into the Asana task pane. Easily attach any My Drive file with just a few clicks.

Gmail . With the Asana for Gmail integration, you can create Asana tasks directly from your Gmail inbox. Any tasks you create from Gmail will automatically include the context from your email, so you never miss a beat. Need to refer to an Asana task while composing an email? Instead of opening Asana, use the Asana for Gmail add-on to simply search for that task directly from your Gmail inbox. 

How do I create a business plan template? .css-i4fobf{-webkit-transition:-webkit-transform 200ms ease-in-out;transition:transform 200ms ease-in-out;-webkit-transform:rotateZ(0);-moz-transform:rotateZ(0);-ms-transform:rotateZ(0);transform:rotateZ(0);}

Instead of taking the time to create a business plan from scratch, start the process off with Asana’s free template.To further customize your template, add evergreen information about your specific business, such as your business model, company name, address, mission statement, value proposition, or target audience. Adding these details to your template lets you avoid documenting this information from scratch every time you create a new business plan.

What components should I include in a business plan template?

Business plan templates typically contain five main sections: a company description, products and services, a marketing plan, basic management and organization information, and your current financial plan.

How long should my business plan be?

Short answer—as long as you need it to be. The long answer is that your business plan should have the answers to specific questions on how your business is run, from the perspective of an investor. The goal of a business plan is to highlight your business strategy for the next three to five years. This means any important operational, financial, and strategic information should be included. 

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Powerful business plan templates

Plan for the future, no matter what your business plans are or the size of your business with these designs and templates. whether it's just one big project or an entire organization's worth of dreams, these templates will keep you and your company on track from ideation to completion..

Put your ideas to work with simple templates for every business plan

Every successful business took a lot of planning to get there, and these templates will be cornerstones of your future success. Whether you're looking to attract new business, pitch your services or reimagine your company, with these simple, customizable templates at your fingertips you can turn complexity into something tangible. These templates can become marketing assets or simply remain internal touchpoints for your team. And as your dreams change, you'll always have this template to refer to – it's easy to change what exists on paper. If you're a small business, focusing on your niche can help you dominate in your field, and you can forge a plan to figure out exactly what that niche might be and how to target your ideal customer . When it's time to share your vision with stakeholders, craft a presentation that outlines your plan succinctly and with style. Let these templates from Microsoft Designer be your partner in business strategy for years to come.

Upmetrics AI Assistant: Simplifying Business Planning through AI-Powered Insights. Learn How

Free Business Plan Generator

Do you still spend hours writing and creating a business plan? Not after today. Upmetrics’ free business plan generator simplifies writing a business plan and helps you create a comprehensive and compelling lean plan in seconds.

Sounds exciting? Let’s learn more about getting started with our free business plan generator and using it to draft your plan.

Using Upmetrics’ Free Business Plan Generator

Need help using the free business plan generator? Follow these step-by-step instructions to create a business plan using the free generator in no time.

Creating a business plan requires filling in 4 critical fields—company overview, marketing details, competitor information, and financial overview. Let’s start with the first.

1. Enter the Company Overview

Provide a company overview in approximately 3-4 sentences, including your business’s name, service offerings, USPs, mission, goals, and target market. Here’s an example for you:

2. Add Marketing Details

The next step—provide marketing details. Start by answering how your business plans to attract new customers and what you want to achieve with your business.

You may also include details about your marketing budget and preferred marketing channels. Here’s an example for your reference:

“i.e. We will attract customers through a strong online presence, social media marketing, and in-store promotions. Offering loyalty programs and hosting community biking events will help build a loyal customer base.”

3. Enter Competitor Information

After adding the marketing details, provide the name of your primary competitor(s) and explain how you are distinct from your competitors.

Describe whether your offerings have any competitive advantages or differentiators. Here’s how it can be done:

“i.e. Our primary competitor is ‘Wheels & Gears,’ but what sets us apart is our personalized customer service and expert bike repair services. We also differentiate ourselves by focusing on eco-friendly and sustainable products.”

4. Provide Financial Overview

Finally,—provide an overview of your business financials. Include what your startup costs are, what your financial strategy would be, and your first-year sales.

We are creating a lean business plan, so it may not require a detailed description of your business financials. Here’s an example for your understanding:

“i.e. Our expected business costs are $87,000 and that includes rent, inventory, equipment, and staff salaries. Our financial strategy is to minimize overhead costs and optimize inventory turnover. We project annual sales to reach $500,000 in the first year.”

5. Click on Generate a Business Plan

You’ve filled in all the necessary fields. It’s time to click “Generate a Business Plan” and see it yourself.

Your lean business plan is ready; you may make a few changes and go ahead with it or choose an AI business plan generator for comprehensive planning.

Make detailed business & financial plans in minutes with

Upmetrics’ AI Business Plan Generator

Plans starting from $7/month

Business Plan Example that will Inspire You

We created this sample CycleWave business plan using Upmetrics’ free generator. Remember, it’s your first draft—you can always go back and re-generate or edit it later.

CycleWave Business Plan

Introduction

Welcome to the business plan for CycleWave, a bicycle retail and repair shop dedicated to providing high-quality bikes and expert maintenance services. Our mission is to promote a healthier and more sustainable lifestyle through cycling while offering exceptional customer service.

Market Overview

The cycling industry is experiencing significant growth, driven by increasing interest in health, sustainability, and alternative transportation methods.

The target market includes cycling enthusiasts, commuters, and local community members.

Strong market potential due to growing awareness of the need for eco-friendly and sustainable products.

Competitive Analysis

Primary competitor: Wheels & Gears.

Differentiation factors

• Personalized customer service
• Expertise in bike repair services
• Focus on eco-friendly and sustainable products.

Highlight the advantages of our unique offerings to attract customers away from competitors.

Marketing Plan

Utilize a solid online presence through a professional website to showcase our products, services, and promotions. Implement social media marketing strategies to engage with customers and build brand awareness.

Host community biking events to foster a sense of belonging and attract potential customers. Offer loyalty programs to incentivize repeat business and build a loyal customer base.

Operational Plan

Secure a suitable retail location with ample space for displaying bicycles and providing repair services. Employ knowledgeable staff with expertise in bike repair and customer service.

Create efficient processes for inventory management and maintenance repairs to ensure fast turnaround times. Maintain an attractive and organized store layout to enhance the customer experience.

Financial Plan

Our expected business costs are $87,000, allocated as follows:

• Rent: $30,000
• Inventory: $40,000
• Equipment: $10,000
• Staff Salaries: $7,000

We project annual sales to reach $500,000 in the first year, allowing us to gradually cover expenses and increase profitability.

Conclusion and Call to Action

In conclusion, CycleWave aims to thrive in the bicycle retail and repair industry by offering high-quality bikes, expert maintenance services, personalized customer care, and eco-friendly products. Join us in promoting a healthier and more sustainable lifestyle through cycling.

If you want to support our mission and become part of our cycling community, please contact us or visit our store today!

Upgrade to Make Comprehensive Plans in Minutes

Upmetrics’ free business plan generator is undoubtedly a better way to business plan. However, you may need an upgrade to create a comprehensive, investment-ready plan.

AI business plan generator like Upmetrics make business plan creation a breeze with their modern AI-powered features.

AI writing assistant helps you write, rewrite, edit, or translate sections of your plan, while the forecasting assistant provides revenue and expense stream suggestions for accurate projections.

You also get to access the massive library of 400+ sample business plans . So, all you need to do is export a template into the editor and start preparing your plan with AI .

What are you waiting for? Business planning starts @ $7 per month.

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Frequently Asked Questions

What is a free business plan generator.

The free business plan generator is a free-to-use version of Upmetrics’ business plan software. It uses AI-powered features to help users create a business plan. Since it can only create a lean business plan, you need Upmetrics’ advanced features for detailed planning.

Is it really free to use?

Yes, Upmetrics’ free business plan generator is 100% free to use, but the features that come with it are also limited. So, you may consider getting a premium subscription for advanced business planning features.

What information will I need to provide to use the tool?

You must fill in the necessary details to create a business plan using the free generator. The information required may include a company overview, marketing details, competitor information, and a financial overview.

What type of businesses should use your free business plan tool?

Startups and small businesses starting up or operating on tight budgets should consider getting a free business planning tool to create a lean business plan.

Is there a limit to how many plans I can create with your software?

No. As of now, there’s no limit to the number of business plans you can create using Upmetrics’ free business plan generator.

Is a sample plan as useful as creating my own custom version?

Using a sample business plan or template is one of the easiest ways to create your business plan. All you need to do is export a template into the editor and start preparing your plan with AI.

The Quickest Way to turn a Business Idea into a Business Plan

Fill-in-the-blanks and automatic financials make it easy.

Free Small Business Plan Templates and Examples

By Kate Eby | April 27, 2022

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We’ve compiled the most useful collection of free small business plan templates for entrepreneurs, project managers, development teams, investors, and other stakeholders, as well as a list of useful tips for filling out a small business template.

Included on this page, you’ll find a simple small business template and a one-page small business plan template . You can also download a fill-in-the-blank small business plan template , and a sample small business plan template to get started.

Small Business Plan Template

Download Small Business Plan Template Microsoft Word | Adobe PDF | Google Docs  

Use this small business plan template to identify trends and demographics in the company overview. Highlight how your product or service uniquely benefits consumers in the offerings section, and note your proposed timeline, milestones, and the key performance metrics (KPIs) you will use to measure your success. This template has all the components of a standard business plan, from the executive summary through financing details.

Small Business Plan Sample Template

Download Small Business Plan Sample Microsoft Word | Adobe PDF | Google Docs  

Use this small business plan sample template to draft the subsections and headings of the contents of your plan. This template provides editable sample text that shows you how to organize and create a ready-to-be-implemented business plan. This sample template helps remove the guesswork of what to include in a small business plan.

Simple Small Business Plan Template

Download Simple Small Business Plan Template Microsoft Word | Adobe PDF

Use this streamlined, customizable, simple small business plan template to chart revenue, expenses, and net profit or loss forecasts with sample graphics. Order your small business plan with numbered subsections and list them in a table of contents. Supplement the plan with additional information in the appendix for a complete business plan that you can present to investors.

Small Business Plan Chart Template

Download Small Business Plan Chart Template Microsoft PowerPoint | Google Slides

Use this small business plan chart template to plan and track month-by-month and annual business planning. The flexible color-coded bar chart simplifies tracking and allows you to customize the plan to meet your needs. Add tasks, track owner status, and adjust the timeline to chart your progress with this dynamic, visually rich small business planning tool.

Small Business Plan Outline Template

Download Small Business Plan Outline Template Microsoft Word | Adobe PDF | Google Docs

Use this small business plan outline template to jumpstart a plan for your small business. This template includes the nine essential elements of a traditional business plan, plus a title page, a table of contents, and an appendix to ensure that your document is complete, comprehensive, and in order. Easily simplify or expand the outline to meet your company’s needs.

Printable Small Business Plan Template

Download Printable Small Business Plan Template  Microsoft Word | Adobe PDF | Google Docs

This print-friendly small business plan template is ideal for presentations to investors and stakeholders. The customizable template includes all the standard, critical business plan elements, and serves as a guide for writing a complete and comprehensive plan. Easily edit and add content to this printable template, so you can focus on executing the small business plan.

Small Business Startup Plan Template

Download Small Business Startup Plan Template Microsoft Word | Adobe PDF | Google Docs  

Use this small business startup plan template to draft your mission statement and list your keys to business success, in order to persuade investors and inform stakeholders. Customize your startup plan with fillable tables for sales revenue, gross profit margin, and cost of sales projections to secure your business's pricing structure.

Fill-in-the-Blank Small Business Plan Template

Download Fill-in-the-Blank Small Business Plan Template  Microsoft Word | Adobe PDF

This small business plan template simplifies the process to help you create a comprehensive, organized business plan. Simply enter original content for the executive summary, company overview, and other sections to customize the plan. This fill-in-the-blank small business plan template helps you to maintain organization and removes the guesswork in order to ensure success.

One Page Small Business Plan Template

Download One Page Small Business Plan Template  Microsoft Excel | Microsoft Word | Adobe PDF

This one page small business plan template is ideal for quick, simple presentations. Use this template to summarize your business overview, market analysis, marketing, and sales plan, key objectives and success metrics, and milestones timeline. Complete the fillable sections to educate investors and inform stakeholders.

One Page Small Business Plan Example

Download One Page Business Plan Example Microsoft Excel | Microsoft Word | Adobe PDF

This one page small business plan example prompts you to list your vision, mission, product or service, team member names, roles, and relevant experience to promote your small business. Use the market analysis, marketing, sales plan sections to detail how you aim to sell your product or service. This small business plan features fillable tables for key objectives and success metrics. Plus, you’ll find space for your financial cost structure and revenue sources to show how your business will remain profitable.

What Is a Small Business Plan Template?

A small business plan template is a roadmap for defining your business objectives and detailing the operational, financial, and marketing resources required for success. Use a small business plan template to strategize growth, forecast financial needs, and promote investment. 

A small business plan template organizes and outlines the content needed to achieve goals for growth and profit, including marketing and sales tactics. As opposed to starting from scratch, using a template makes it easy to organize the information and customize the plan to meet your needs. 

A small business plan template includes standard business plan sections, as well as the following sections: 

• Executive Summary: Summarize the key points in your small business plan in two pages or less to hold your reader's attention and promote buy-in. Write this section last to capitalize on your understanding of the small business plan.
• Company Overview: Describe the nature of your small business, the industry landscape and trends, demographics, and economic and governmental influences. List your location, product or service, and goals to show what makes your small business unique.
• Problem and Solution: Identify and explain the problem your product or service will solve and its costs. Propose and describe your solution and its benefits. Conclude this section with a summary of the problem and solution.
• Target Market: Identify your small business's target market by researching your product and service to determine the most likely demographic. Explain your target market's motivations for buying your product or service.
• Competition: Note the other competitor product or service offerings, pricing, and company revenues to understand how to outperform your competitors. Detail your small business's competitive advantages, based on research.
• Product or Service Offerings: Describe your product or service, how it benefits your target market, and what makes it unique. Highlight how your product or service will outsell competitors.
• Marketing: Detail your marketing plan with objectives and strategy, including goals, costs, and an action plan. A successful marketing plan reduces costs and boosts your product or service sales.
• Timeline and Metrics: Break down your small business plan into smaller activities. Describe these activities (and the performance metrics you intend to use to track them) and list a completion date for each.
• Financial Forecasts: Explain how your organization uses past performance and market research to inform your business's economic forecasts. Estimate growth and profits based on your informed assumptions.
• Financing: List your funding sources and how you intend to use the funds to keep your company on track as it grows. Smart financing at the planning stage prepares your organization for unexpected challenges and helps to mitigate risk.

A small business plan template enables you to complete your business plan quickly and comprehensively, so you can achieve your goals and turn your product or service idea into a profitable reality.

Optimize Your Business Plan with Real-Time Work Management in Smartsheet

Empower your people to go above and beyond with a flexible platform designed to match the needs of your team — and adapt as those needs change. 

The Smartsheet platform makes it easy to plan, capture, manage, and report on work from anywhere, helping your team be more effective and get more done. Report on key metrics and get real-time visibility into work as it happens with roll-up reports, dashboards, and automated workflows built to keep your team connected and informed. 

When teams have clarity into the work getting done, there’s no telling how much more they can accomplish in the same amount of time.  Try Smartsheet for free, today.

Discover why over 90% of Fortune 100 companies trust Smartsheet to get work done.

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10 Free Business Plan Templates in Word, Excel, & ClickUp

Praburam Srinivasan

Growth Marketing Manager

February 13, 2024

Turning your vision into a clear and coherent business plan can be confusing and tough. 

Hours of brainstorming and facing an intimidating blank page can raise more questions than answers. Are you covering everything? What should go where? How do you keep each section thorough but brief?

If these questions have kept you up at night and slowed your progress, know you’re not alone. That’s why we’ve put together the top 10 business plan templates in Word, Excel, and ClickUp—to provide answers, clarity, and a structured framework to work with. This way, you’re sure to capture all the relevant information without wasting time. 

And the best part? Business planning becomes a little less “ugh!” and a lot more “aha!” 🤩

What is a Business Plan Template?

What makes a good business plan template, 1. clickup business plan template, 2. clickup sales plan template, 3. clickup business development action plan template, 4. clickup business roadmap template, 5. clickup business continuity plan template, 6. clickup lean business plan template, 7. clickup small business action plan template, 8. clickup strategic business roadmap template , 9. microsoft word business plan template by microsoft, 10. excel business plan template by vertex42.

A business plan template is a structured framework for entrepreneurs and business executives who want to create business plans. It comes with pre-arranged sections and headings that cover key elements like the executive summary , business overview, target customers, unique value proposition, marketing plans, and financial statements.  

A good business plan template helps with thorough planning, clear documentation, and practical implementation. Here’s what to look for:

• Comprehensive structure: A good template comes with all the relevant sections to outline a business strategy, such as executive summary, market research and analysis, and financial projections 
• Clarity and guidance: A good template is easy to follow. It has brief instructions or prompts for each section, guiding you to think deeply about your business and ensuring you don’t skip important details
• Clean design: Aesthetics matter. Choose a template that’s not just functional but also professionally designed. This ensures your plan is presentable to stakeholders, partners, and potential investors
• Flexibility : Your template should easily accommodate changes without hassle, like adding or removing sections, changing content and style, and rearranging parts 🛠️ 

While a template provides the structure, it’s the information you feed it that brings it to life. These pointers will help you pick a template that aligns with your business needs and clearly showcases your vision.

10 Business Plan Templates to Use in 2024

Preparing for business success in 2024 (and beyond) requires a comprehensive and organized business plan. We’ve handpicked the best templates to help you guide your team, attract investors, and secure funding. Let’s check them out.

If you’re looking to replace a traditional business plan document, then ClickUp’s Business Plan Template is for you!

This one-page business plan template, designed in ClickUp Docs , is neatly broken down into the following sections:

• Company description : Overview, mission, vision, and team
• Market analysis : Problem, solution, target market, competition, and competitive advantage
• Sales and marketing strategy : Products/services and marketing channels
• Operational plan : Location and facilities, equipment and tools, manpower, and financial forecasts
• Milestones and metrics: Targets and KPIs

Customize the template with your company logo and contact details, and easily navigate to different sections using the collapsible table of contents. The mini prompts under each section guide you on what to include—with suggestions on how to present the data (e.g., bullet lists, pictures, charts, and tables). 

You can share the document with anyone via URL and collaborate in real time. And when the business plan is ready, you have the option to print it or export it to PDF, HTML, or Markdown.

But that’s not all. This template is equipped with basic and enterprise project management features to streamline the business plan creation process . The Topics List view has a list of all the different sections and subsections of the template and allows you to assign it to a team member, set a due date, and attach relevant documents and references.

Switch from List to Board view to track and update task statuses according to the following: To Do, In Progress, Needs Revision, and Complete. 

This template is a comprehensive toolkit for documenting the different sections of your business plan and streamlining the creation process to ensure it’s completed on time. 🗓️

If you’re looking for a tool to kickstart or update your sales plan, ClickUp’s Sales Plan Template has got you covered. This sales plan template features a project summary list with tasks to help you craft a comprehensive and effective sales strategy. Some of these tasks include:

• Determine sales objectives and goals
• Draft positioning statement
• Perform competitive analysis
• Draft ideal customer persona
• Create a lead generation strategy

Assign each task to a specific individual or team, set priority levels , and add due dates. Specify what section of the sales plan each task belongs to (e.g., executive summary, revenue goals, team structure, etc.), deliverable type (such as document, task, or meeting), and approval state (like pending, needs revisions, and approved).

And in ClickUp style, you can switch to multiple views: List for a list of all tasks, Board for visual task management, Timeline for an overview of task durations, and Gantt to get a view of task dependencies. 

This simple business plan template is perfect for any type of business looking to create a winning sales strategy while clarifying team roles and keeping tasks organized. ✨

Thinking about scaling your business’s reach and operations but unsure where or how to start? It can be overwhelming, no doubt—you need a clear vision, measurable goals, and an actionable plan that every member of your team can rally behind. 

Thankfully, ClickUp’s Business Development Action Plan Template is designed to use automations to simplify this process so every step toward your business growth is clear, trackable, and actionable.

Start by assessing your current situation and deciding on your main growth goal. Are you aiming to increase revenue, tap into new markets, or introduce new products or services? With ClickUp Whiteboards or Docs, brainstorm and collaborate with your team on this decision.

Set and track your short- and long-term growth goals with ClickUp’s Goals , break them down into smaller targets, and assign these targets to team members, complete with due dates. Add these targets to a new ClickUp Dashboard to track real-time progress and celebrate small wins. 🎉

Whether you’re a startup or small business owner looking to hit your next major milestone or an established business exploring new avenues, this template keeps your team aligned, engaged, and informed every step of the way.

ClickUp’s Business Roadmap Template is your go-to for mapping out major strategies and initiatives in areas like revenue growth, brand awareness, community engagement, and customer satisfaction. 

Use the List view to populate tasks under each initiative. With Custom Fields, you can capture which business category (e.g., Product, Operations, Sales & Marketing, etc.) tasks fall under and which quarter they’re slated for. You can also link to relevant documents and resources and evaluate tasks by effort and impact to ensure the most critical tasks get the attention they deserve. 👀

Depending on your focus, this template provides different views to show just what you need. For example, the All Initiatives per Quarter view lets you focus on what’s ahead by seeing tasks that need completion within a specific quarter. This ensures timely execution and helps in aligning resources effectively for the short term.

This template is ideal for business executives and management teams who need to coordinate multiple short- and long-term initiatives and business strategies.

In business, unexpected threats to operations can arise at any moment. Whether it’s economic turbulence, a global health crisis, or supply chain interruptions, every company needs to be ready. ClickUp’s Business Continuity Plan Template lets you prepare proactively for these unforeseen challenges.

The template organizes tasks into three main categories:

• Priorities: Tasks that need immediate attention
• Continuity coverage: Tasks that must continue despite challenges
• Guiding principles: Resources and protocols to ensure smooth operations

The Board view makes it easy to visualize all the tasks under each of these categories. And the Priorities List sorts tasks by those that are overdue, the upcoming ones, and then the ones due later.

In times of uncertainty, being prepared is your best strategy. This template helps your business not just survive but thrive in challenging situations, keeping your customers, employees, and investors satisfied. 🤝

Looking to execute your business plan the “lean” way? Use ClickUp’s Lean Business Plan Template . It’s designed to help you optimize resource usage and cut unnecessary steps—giving you better results with less effort.

In the Plan Summary List view, list all the tasks that need to get done. Add specific details like who’s doing each task, when it’s due, and which part of the Business Model Canvas (BMC) it falls under. The By Priority view sorts this list based on priorities like Urgent, High, Normal, and Low. This makes it easy to spot the most important tasks and tackle them first.

Additionally, the Board view gives you an overview of task progression from start to finish. And the BMC view rearranges these tasks based on the various BMC components. 

Each task can further be broken down into subtasks and multiple checklists to ensure all related action items are executed. ✔️

This template is an invaluable resource for startups and large enterprises looking to maximize process efficiencies and results in a streamlined and cost-effective way.

The Small Business Action Plan Template by ClickUp is tailor-made for small businesses looking to transform their business ideas and goals into actionable steps and, eventually, into reality. 

It provides a simple and organized framework for creating, assigning, prioritizing, and tracking tasks. And in effect, it ensures that goals are not just set but achieved. Through the native dashboard and goal-setting features, you can monitor task progress and how they move you closer to achieving your goals.

Thanks to ClickUp’s robust communication features like chat, comments, and @mentions, it’s easy to get every team member on the same page and quickly address questions or concerns.

Use this action plan template to hit your business goals by streamlining your internal processes and aligning team efforts.

For larger businesses and scaling enterprises, getting different departments to work together toward a big goal can be challenging. The ClickUp Strategic Business Roadmap Template makes it easier by giving you a clear plan to follow.

This template is packaged in a folder and split into different lists for each department in your business, like Sales, Product, Marketing, and Enablement. This way, every team can focus on their tasks while collectively contributing to the bigger goal.

There are multiple viewing options available for team members. These include:

• Progress Board: Visualize tasks that are on track, those at risk, and those behind
• Gantt view: Get an overview of project timelines and dependencies
• Team view: See what each team member is working on so you can balance workloads for maximum productivity

While this template may feel overwhelming at first, the getting started guide offers a step-by-step breakdown to help you navigate it with ease. And like all ClickUp templates, you can easily customize it to suit your business needs and preferences.

Microsoft’s 20-page traditional business plan template simplifies the process of drafting comprehensive business plans. It’s made up of different sections, including:

• Executive summary : Highlights, objectives, mission statement, and keys to success
• Description of business: Company ownership and legal structure, hours of operation, products and services, suppliers, financial plans, etc.
• Marketing: Market analysis, market segmentation, competition, and pricing
• Appendix: Start-up expenses, cash flow statements, income statements, sales forecast, milestones, break-even analysis, etc.

The table of contents makes it easy to move to different sections of the document. And the text placeholders under each section provide clarity on the specific details required—making the process easier for users who may not be familiar with certain business terminology.

No business template roundup is complete without an Excel template. This business plan template lets you work on your business financials in Excel. It comes with customizable tables, formulas, and charts to help you look at the following areas:

• Highlight charts
• Market analysis
• Start-up assets and expenses
• Sales forecasts
• Profit and loss
• Balance sheet
• Cash flow projections
• Break-even analysis

This Excel template is especially useful when you want to create a clear and visual financial section for your business plan document—an essential element for attracting investors and lenders. However, there might be a steep learning curve to using this template if you’re not familiar with business financial planning and using Excel.

Try a Free Business Plan Template in ClickUp

Launching and running a successful business requires a well-thought-out and carefully crafted business plan. However, the business planning process doesn’t have to be complicated, boring, or take up too much time. Use any of the above 10 free business plan formats to simplify and speed up the process.

ClickUp templates go beyond offering a solid foundation to build your business plans. They come with extensive project management features to turn your vision into reality. And that’s not all— ClickUp’s template library offers over 1,000 additional templates to help manage various aspects of your business, from decision-making to product development to resource management .

Sign up for ClickUp’s Free Forever Plan today to fast-track your business’s growth! 🏆

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11 Best Word Business Plan Template Sites (2024) [FREE]

1. introduction.

The business landscape today is hugely competitive and engaging. Large corporations, small businesses, and start-ups alike must present clear, thorough, and compelling business plans to convince investors, partners, and stakeholders of their vision and viability. This is where Word Business Plan Template Sites come into play.

1.1 Importance of Word Business Plan Template Site

Best characterized as a detailed roadmap to success, a business plan outlines a company’s goals, strategies, marketing and financial plans, and provides detailed projections and forecasts. However, creating a business plan from scratch can be time-consuming and, at times, overwhelming. This is where Word Business Plan Template Sites can be immensely beneficial.

These sites offer a wide range of business plan templates that cater to different industries, company sizes, and specific needs. These templates provide a structured layout, ensuring essential aspects are not overlooked and that the plan is both comprehensive and visually engaging. These templates are designed in a way that promoting clear and professional communication of the company’s objectives and strategies becomes straightforward. Being in Word format makes these templates easily editable, customizable, and accessible for almost everyone.

1.2 Objectives of this Comparison

This comparison aims to offer an in-depth look at various Word Business Plan Template Sites, underscoring their strengths and weaknesses. Each site will be evaluated based on the variety, quality, and user-friendliness of their templates. The objective is to equip the reader with the necessary information, facilitating informed decisions about which site best serves their specific needs and preferences.

1.3 Repair Word Documents

We also require a good tool to repair Word documents . DataNumen Word Repair is a perfect choice:

2. Microsoft Business Plan Template

Microsoft Business Plan Templates are provided by the tech giant Microsoft, a market leader in office tools and software. The selection of business plan templates is available on Microsoft’s own template website. These templates constitute preformatted business plans designed in MS Word to make the business planning process more manageable. They cater to a wide range of sectors, from startups to established corporations.

• Wide Variety: Microsoft offers a substantial assortment of business plan templates. These cover various industries, making it easier for businesses to find a model that fits their specific needs.
• Easy Accessibility: Being Microsoft products, these templates can be readily accessed and used by anyone with MS Word software. There is no need for additional downloads or installations.
• User-friendly: Microsoft templates maintain a high degree of user-friendliness. They ensure easy editing, customizing, and filling, further simplifying the planning process.
• Professional Design: The layouts are professionally designed to create sophisticated, investor-ready business plans. Readability and aesthetic appeal are well taken care of.
• Generic: While Microsoft offers a vast array of templates, they can be somewhat generic. Some businesses may find them lacking in specialized, industry-specific details.
• Limited Customization: Although the templates can be customized, the options for customization within the Word format might be limited, unlike some specialized planning tools or software.
• No Additional Guidance: The templates do not come with additional strategic advice, financial forecasting tools, or guidance. Users must rely on their own knowledge and resources to complete the plan.

3. Smartsheet Simple Business Plan Templates

Smartsheet is a work execution platform that specializes in collaborative work and task management. They offer simple business plan templates as part of their extensive template library. The templates aim to simplify the business planning process by providing structured, straightforward, and easy-to-use layouts. They are particularly useful for start-ups or small businesses that need to put together a basic, clear business plan efficiently and swiftly.

• Simplicity: Smartsheet underlines simplicity and ease-of-use. Layouts are uncomplicated and don’t involve any extraneous elements, allowing users to focus on content.
• Collaboration Features: The platform facilitates real-time collaboration, a feature that proves useful when creating business plans that require input from multiple team members.
• Flexibility: Smartsheet templates can be used across different sectors, making it an effective tool for various types of businesses.
• Integration: Smartsheet integrates well with various other work apps, like Google Drive, Dropbox, making the process more streamlined and efficient.
• Requires Subscription: Access to Smartsheet’s business plan templates requires a subscription to the platform, making it a potentially costly choice for small businesses or startups.
• Limited Design Options: The focus on simplicity may limit the design appeal of the templates. Users may have to compromise on aesthetics for functionality.
• Relatively Steeper Learning Curve: Smartsheet may have a steeper learning curve for first-time users, particularly when trying to explore its more advanced collaboration and integration capabilities.

4. HubSpot Business Plans | Word Templates & Examples

HubSpot’s Business Plans Templates & Examples represent a collection of well-structured, easy-to-use Word templates for business planning. HubSpot, known for its marketing, sales, and customer service software, offers these templates to help businesses create robust, professionally formatted business plans.

• Free Resource: Unlike some other template centers, HubSpot’s business plan resources are entirely free, making it a cost-effective choice for startups and small businesses.
• User-friendly: The templates are designed in a user-friendly manner, ensuring that even those without extensive business planning experience can use them efficiently.
• Complementary Examples: HubSpot provides examples alongside templates, acting as a useful guide for businesses as they navigate the planning process.
• Included Guidance: The templates come with guiding questions and prompts, providing additional assistance for businesses during the planning process.
• Requirement of Personal Information: To access the free templates and examples, users must provide HubSpot with their contact details, which some might find off-putting.
• Dependent on Word: As these are Word templates, complete flexibility in design and formatting may be constrained by the capabilities of MS Word.
• Limited Range: HubSpot’s variety of templates is somewhat limited compared to other platforms, potentially restricting choices for specialized sectors or unique needs.

5. Template.Net Business Plan Template

Template.net is a comprehensive source of templates for various business needs, and among this vast collection, their business plan templates hold a prominent place. They offer templates that cater to different types of businesses, from start-ups to established corporations, ensuring that whoever you are and whatever you do, you’ll find a template that mirrors your requirements.

• Range and Variety: Template.net offers an impressively wide range of business plan templates. Diverse business models across various market sectors should find their needs catered to under this platform.
• Editable and Customizable: The templates are designed to be flexible, with the ability to be edited and customized to fit evolving needs.
• Additional Resources: Template.net also provides additional resources, tips and guides, contributing to deeper insights and better plan creation.
• Proposes Multilingual Support: The platform provides multilingual support, a useful facility for global or non-English speaking businesses.
• Subscription Required: While there are some free templates available, the majority require a subscription to access. This expense may put off some businesses, particularly start-ups and smaller entities.
• Overwhelming Choices: The extensive range could potentially be overwhelming for users who prefer simpler, less confusing options.
• Shared Templates: The widespread use of these templates might result in business plans that resemble those of many others, potentially reducing the unique standing of a business.

6. Vertex42 Business Plan Template

Vertex42 offers a collection of free Word templates, including a helpful business plan template. The company, a provider of consumer and business tools, designed this template with its users’ diverse needs in mind . It aims to support businesses as they compile the relevant and essential data to present a compelling and comprehensive business plan.

• Free of Cost: Unlike some of its counterparts, Vertex42’s business plan template is entirely free, making it a great option for smaller businesses or startups operating on a tight budget.
• Straightforward Design: The straightforward, unfussy design of the template ensures focus is maintained on the content, without distracting embellishments.
• Comprehensive Guidance: The Vertex42 template provides additional guidance and tips for each section of the business plan, making it easier for users to cover all essential areas comprehensively.
• Financial Templates: Vertex42 also offers several free Excel templates for financial projections, further enhancing its utility in business planning.
• Limited Customization: The template’s design and format are relatively rigid, offering limited scope for visual customization or personal branding.
• Generic Design: While the template is functional, it is fairly generic and doesn’t cater to certain industries or niche requirements.
• Single Template: Vertex42 predominantly offers a single business plan template rather than a range of options. This absence of variety might turn away businesses looking for more specialized solutions.

7. SCORE Business Plan Template

SCORE is a nonprofit organization providing mentorship, workshops, and educational resources to aspiring entrepreneurs and small businesses. Their Business Plan Templates are designed to be comprehensive guides, helping businesses to clearly articulate their objectives and strategies and are ideal for both startups and growing businesses looking to fine-tune their plans.

• Free Resource: SCORE’s business plan templates are available free of charge, proving an advantageous tool for budget-conscious businesses.
• Extensive Business Guidance: Apart from templates, SCORE provides extensive guidance and resource material related to each section of the business plan.
• Access to Expertise: SCORE is backed by experienced business mentors who provide their expertise and advice to small businesses, a feature that supplements the effectiveness of their templates.
• Straightforward Format: The SCORE template maintains a straightforward and easy-to-understand format, making it accessible to users with various degrees of business planning experience.
• Generic Approach: SCORE’s business plan template tends to be rather generic and may not cater well to businesses with unique, industry-specific requirements.
• Limited Design Options: The template provides limited options for customization, both in terms of its visual aesthetic and overall layout. Businesses aiming for a distinct look might find this limiting.
• Overwhelming Information: While the wealth of additional resource material can be helpful, some users might find the volume of information overwhelming.

8. Office Templates Online Personal And Business Plan Templates In MS Word

Office Templates Online offers a collection of free personal and business plan templates compatible with MS Word. The website aims to provide a straightforward resource for individuals and businesses seeking easy-to-use templates for their various needs, including the development of a business plan.

• No Cost: The platform offers templates free of charge, making it accessible regardless of budget constraints.
• Easy to Use: The templates have been designed with simplicity in mind, allowing swift modification and filling. Users don’t need advanced technical skills to make the most of them.
• Wide Range: The platform provides an extensive variety of templates, making it possible to select one best suited to specific needs.
• Minimalist Design: The templates maintain a clean, minimalist design that focuses on content rather than visual embellishments. This makes them straightforward and easy to navigate.
• Limited Customization: The design and formatting options can be somewhat limited, constraining users who wish to add a personal touch to their business plans.
• No Additional Support: Office Templates Online provides the templates, but users receive no additional individualized support, guidance, or resources to help them through the planning process.
• Generic Format: The platform’s business plan templates lean towards a generic format, which may not suffice for businesses with specific or complex needs.

9. Wenta Business Plan Template

As part of their suite of business resources, Wenta, a non-profit agency supporting enterprise growth, offers a comprehensive Business Plan Template. This template is intricately designed with the aim to help both startups and existing businesses in preparing a compelling business plan without missing crucial elements.

• Free Access: Like many of Wenta’s resources, the Business Plan Template is provided free of charge, making it a valuable resource especially for startups on a tight budget.
• Comprehensive Structure: The Wenta template is designed to be comprehensive, ensuring that key areas of the business plan are covered extensively.
• Additional Resources: Wenta offers a wealth of related resources, helpful articles, and advice, supplementing the effectiveness of the template itself.
• User Support: As part of their commitment to aiding small businesses, Wenta provides additional support and guidance to its users.
• Registration Required: To access the business plan template, users are required to register an account on Wenta’s website, which might be a deterrent for some.
• Limited Customization: Like most other Word templates, the degree of customization available might not be able to meet the needs of businesses requiring a highly personalized layout.
• No Industry-Specific Templates: The template is quite generic, potentially making it less fitting for certain industry-specific considerations.

10. Bplans Business Plan Template For Small Businesses

Bplans, a resource site offering a host of free business planning resources, provides a specialized business plan template for small businesses. Bplans is a product of Palo Alto Software, a company renowned for its business planning and managing software. The template is designed with the view to simplifying the complex process of business planning by providing a clear structure and outline.

• Designed for Small Businesses: The template is specifically designed with the needs of small businesses in mind, making it an excellent fit for this demographic.
• Free Access: Bplans offers its business plan template free of charge, adding to its appeal for budget-sensitive small businesses.
• Complementary Resources: In addition to the template, Bplans provides a wealth of free articles, guides, and resources to help small businesses navigate planning and management challenges.
• Experience and Expertise: The template is backed by the expertise and experience of Palo Alto Software, ensuring a product that understands the intricacies of business planning.
• Limited Customization: Despite being user-friendly, the template’s design offers a limited scope for customization, which might be a constraint for businesses looking to add a unique touch to their plans.
• Narrow Focus: The template’s focus on small businesses may exclude bigger businesses or those with more unique needs.
• Requires Personal Information: To download the template, users are required to provide personal information. This might be a concern for those who value their privacy highly.

11. TEMPLOOLA Business Plans

TEMPLOOLA offers a selection of well-structured business plan templates designed to meet a wide variety of business needs. Especially focused on professional and sophisticated designs, these templates appeal to a broad spectrum of businesses from startups to established corporations.

• Stylish and Professional Designs: TEMPLOOLA templates are visually appealing, featuring stylish and professional designs. This makes them ideal for businesses looking to make a strong impression.
• Easy to Use: The templates are not only visually appealing but also simple to use. They are designed in Word, making them easily accessible for most users.
• Versatile: TEMPLOOLA templates are not industry-specific and are therefore versatile, catering to a multitude of different businesses.
• Immediate Download: The templates are available for immediate download post-purchase, ensuring users can get to work on their business plan without delay.
• Cost: Unlike many other providers, TEMPLOOLA’s business plan templates come at a cost, potentially rendering them a less appealing option for budget-conscious businesses.
• Registration Required: To access the templates, users must create an account on TEMPLOOLA, a step some might find bothersome.
• Lack of Additional Resources: TEMPLOOLA provides templates, but lacks additional resources, guides, or tips to facilitate the business planning process.

12. Wise Business Plans Business Plan Template In Word

Wise Business Plans provides a simple, straightforward business plan template in Word format. As a company offering custom-written business plans, their free Word template aims to provide a solid foundation for businesses looking to draft their initial plan.

• Free Access: The template is entirely free, making it an excellent resource for budget-conscious startups or small businesses.
• Professional Format: Wise Business Plans, being a company dedicated to writing business plans, ensures that their template maintains a professional format that covers all essential parts of a business plan.
• Supported by Expertise: The template is backed by Wise’s team of business plan experts, ensuring that it aligns with professional standards and expectations.
• Straightforward: Designed to be simple and easy-to-use, Wise’s template is ideal for those who want a straightforward yet comprehensive business plan.
• Generic Format: The template maintains a generic format that might not adequately cater to businesses from certain specialized industries.
• Limited Design Options: There are limited design options in the template; those looking for a visually appealing or highly customized design might find it restricting.
• No Additional Resources: Wise does not provide any other resources or guides to assist in the business planning process. Users must rely on their own expertise to complete the plan.

13. Summary

13.1 overall comparison table, 13.2 recommended template site based on various needs.

If free access is a priority, Microsoft Business Plan Template and HubSpot Business Plans provide comprehensive, user-friendly templates at no cost. For those seeking comprehensive guidance and resources, SCORE may be the most suitable. Businesses looking for a platform with advanced design aesthetics could consider TEMPLOOLA. For teams wanting collaborative features, Smartsheet would be an appropriate choice.

14. Conclusion

14.1 final thoughts and takeaways for choosing an word business plan template site.

Selecting the right Word Business Plan Template Site is not a decision to be rushed. Take your time to assess your business needs, consider your budget, and examine the additional resources or support provided by the platform. Keep in mind that while aesthetics matter, the content that these templates facilitate is ultimately what will sway your stakeholders. Therefore, focus on choosing a platform that will aid you in articulating your objectives, strategies, and financial plan effectively and comprehensively. Above all, remember that a business plan is not a one-time effort; it’s a living document that should evolve as your business does. Therefore, choose a platform that is flexible and can adapt with you.

Author Introduction:

Vera Chen is a data recovery expert in DataNumen, which provides a wide range of products, including a powerful OST to PST file converter .

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Microsoft Build 2024

Official microsoft blog, book of news, khan academy, windows omb, full keynote: satya nadella at microsoft build 2024.

Microsoft Build keynote highlights

Keynote Sizzle: Satya Nadella at Microsoft Build 2024

Open Video: Satya Nadella at Microsoft Build 2024

Windows Copilot Runtime: Satya Nadella at Microsoft Build 2024

Infrastructure | Satya Nadella at Microsoft Build 2024

Foundation Models | Satya Nadella at Microsoft Build 2024

Conversational Website: Satya Nadella at Microsoft Build 2024

Khan Academy: Satya Nadella at Microsoft Build 2024

Data | Satya Nadella at Microsoft Build 2024

Real Time Intelligence in Microsoft Fabric: Satya Nadella at Microsoft Build 2024

Toolchain | Satya Nadella at Microsoft Build 2024

GitHub Demo: Neha Batra at Microsoft Build 2024

Copilot | Satya Nadella at Microsoft Build 2024

Copilot Studio: Satya Nadella at Microsoft Build 2024

Closing Video: Satya Nadella at Microsoft Build 2024

Microsoft build image gallery.

Microsoft Chairman and CEO Satya Nadella on stage May 21 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Rajesh Jha, executive vice president, Experiences + Devices, Microsoft, on stage May 21 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Jeff Teper, president, Collaborative Apps & Platform, Microsoft, on stage May 21 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Pavan Davuluri, corporate vice president, Windows + Devices, Microsoft, on stage May 21 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Kevin Scott, chief technology officer and EVP of AI, Microsoft, on stage with Sal Khan, founder and CEO, Khan Academy, May 21 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Kevin Scott, chief technology officer and EVP of AI, Microsoft, on stage May 21 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Scott Guthrie, executive vice president, Cloud+AI, Microsoft, on stage May 22 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Charles Lamanna, corporate vice president, Business Applications & Platforms, Microsoft, on stage May 22 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Seth Juarez, program manager, Microsoft, on stage May 22 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Eric Boyd, corporate vice president, Engineering, on stage May 22 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Sarah Bird, CPO, Responsible AI, on stage May 22 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Arun Ulagaratchagan, corporate vice president, Azure Data, Microsoft, on stage May 22 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

Microsoft’s Julia Liuson, president, DevDiv, and John Lambert, corporate vice president, distinguished engineer, Microsoft Security Research, on stage May 22 at Microsoft Build 2024 in Redmond, Washington. (Photo by Dan DeLong for Microsoft)

New Microsoft Fabric workload structure

The new Copilot Studio homepage

Docker Extension for GitHub Copilot

First set of GitHub Copilot Extensions

A peek at the experience of building copilots with agent capabilities using copilot studio.

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A key phase in Biden's new student-loan forgiveness plan has wrapped up, bringing borrowers one step closer to relief. But pushback is brewing.

• The public comment period on Biden's new student-loan forgiveness plan is over.
• This means borrowers are now one step closer to the relief, which is planned for the fall.
• Still, opponents of the plan have threatened legal challenges, jeopardizing the relief's timeline. 

Rachel, a Pennsylvania student-loan borrower, wants President Joe Biden's new debt cancellation plan to be implemented — and she wants the relief to be as broad as possible.

In a comment to the administration publicly available on the Federal Register, Rachel wrote that "the more student loan debt that can be forgiven the better."

She said her mom's student loans were forgiven last month, and during the over three-year student-loan payment pause, she was able to buy a home because she didn't have to pay her monthly student-loan bills.

"My loans are currently in repayment, and if that burden could be lifted it would be life-changing for me," she wrote.

Rachel is among the millions of federal student-loan borrowers contending with monthly bills again amid an uncertain time for relief. Biden's Education Department is working to implement a new debt relief plan after the Supreme Court struck down its first plan last summer .

The new plan — expected to benefit over 30 million borrowers — is focused on distinct categories for relief, including:

• cancellation of unpaid interest of up to $20,000 ;
• debt cancellation for borrowers who are eligible for — but have not yet enrolled in — relief under plans like Public Service Loan Forgiveness and income-driven repayment;
• relief for borrowers who entered repayment at least 20 years ago;
• and relief for borrowers who attended programs that left them with too much debt compared to post-grad earnings.

While a separate proposal for relief for borrowers experiencing financial hardship is expected to be unveiled in the coming months, the Education Department just concluded the public comment period for the other categories — meaning it is now one step closer to implementing the relief this fall.

But the road ahead isn't smooth. The department's proposal received a flood of negative comments, including a letter from 20 Republican state attorneys general who claimed the relief is unconstitutional.

"The least the American people should be able to expect is that people receiving debt cancelation actually apply for it and that the Department makes a determination on an individual basis," they wrote. "Instead, the Department is twisting the law to forgive as many loans as possible. This is wrong."

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Some of those attorneys general have already filed lawsuits to block some of Biden's more targeted relief efforts, like relief through the new SAVE income-driven repayment plan, and it's highly likely lawsuits will arise once the administration gets closer to finalizing this new rule.

The administration has maintained confidence in the legality of its relief, vowing to move as quickly as possible so borrowers can start reaping the benefits this year.

"From day one of my Administration, I promised to fight to ensure higher education is a ticket to the middle class, not a barrier to opportunity," Biden said in a recent statement . "I will never stop working to cancel student debt — no matter how many times Republican elected officials try to stop us."

Where the challenges stand

The administration is required to adhere to the negotiated rulemaking process to implement this new student-loan forgiveness plan. That means it will now take into account all the comments it received on the plan, and it will decide whether to adjust its proposal or move toward implementation.

For now, the administration plans to begin implementing the relief this fall, coinciding with the presidential election . Should Biden win, relief efforts would continue, but former President Donald Trump would likely cease those efforts if he wins another term.

A host of Republican lawmakers have also called on the administration to rescind its proposed rule. Before the public comment period concluded, 130 of them signed onto a letter saying that "the Supreme Court has made it abundantly clear that there is zero authority to write-off federal student loans en masse last June when the Department's 'Plan A' was ruled unconstitutional."

In addition, experts previously told Business Insider that Biden is likely to face similar legal challenges to the ones he did the first time around when he attempted to cancel student debt using the HEROES Act of 2003. The HEROES Act allowed the education secretary to cancel student debt in connection to a national emergency, like the pandemic, which the Supreme Court ultimately ruled was unconstitutional.

Biden's administration is using the Higher Education Act this time, which does not require a national emergency. Still, Cary Coglianese, an administrative law professor at the University of Pennsylvania, previously told BI that Biden "is certainly still facing a very skeptical Supreme Court."

"Even though it's a different statute, it's still a skeptical Supreme Court," he said. "It's still a pretty big program even though it's a smaller one."

For now, all borrowers can do is continue to make their payments as they wait for debt relief — either through one of the administration's targeted efforts or the broader version set for the fall.

Have you gotten student-debt relief? Do you have loans and don't believe they should be forgiven? Reach out to this reporter at [email protected] .

Watch: Why student loans aren't canceled, and what Biden's going to do about it

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