Business Plan Writing Service in Bucharest

A business plan writing service in Bucharest should get you to a finished, bank-ready document without weeks of guesswork. The online Business Plan Generator at SampleBusinessPlans.net works this way: you answer a short guided questionnaire, and you receive a complete plan in Word and PDF, including 1 to 5 years of financial projections. It suits founders registering a company in Romania, owners applying for a loan, and anyone who needs a clear plan for a funder or partner.

Who this business plan writing service in Bucharest is for

Most people who order a plan for a Bucharest business fall into one of three groups. Some are foreign founders setting up a Romanian company, some are first-time Romanian entrepreneurs, and some are existing owners who want to expand. Each group has a different reader in mind, and that changes what the plan has to contain.

Founders registering a company with ONRC

When you register a company through the National Trade Register Office (ONRC), you usually do not submit a full business plan. But the plan is where you test whether the company can pay its own bills in the first year. Say you are planning a small consultancy with two employees. The plan shows you whether a micro-enterprise tax regime or the standard profit tax suits you better, once you have a realistic revenue figure.

Owners applying for a business plan for a loan

Romanian banks such as BCR, BRD, ING Bank and Banca Transilvania all lend to small businesses, but each has its own forms and credit criteria. A loan officer usually reads the cash flow section first, then checks the assumptions behind your revenue. A line that says “we will reach 300 customers in year one” with no explanation is the quickest route to a refusal.

What a Bucharest bank or funder expects to see in your plan

Different readers look for different things. The table below shows what usually comes first for each, and the mistake that sends most files back.

Reader	What they look at first	Common reason a file is returned
Commercial bank	Cash flow, repayment capacity, security offered	Projections that ignore loan repayments
Grant assessor	Eligibility, planned activities, budget breakdown	Budget lines that do not match the activities
Private investor	Market size, team, route to a return	No evidence of demand from real customers
Visa or residence file	Proof the business can support you financially	A generic plan with no local detail

Ask for the required headings before you start. A plan with sound content can still be sent back if it does not follow the structure the funder asks for. The generator lets you upload those headings, so the plan follows them from the start.

How the online business plan generator works step by step

The process has four stages, and you can complete the first two in one sitting. You can choose any length from 1,500 to 10,000 words, though a bank rarely needs more than a focused plan.

1. Answer the questionnaire. Describe your product or service, where you will operate in Bucharest or elsewhere in Romania, your target customers, your start-up costs and how the business will be funded.
2. Choose a structure or upload your own. If your bank or programme has a template, upload its headings and the plan follows them. If not, the recommended structure covers market, operations, team and financials.
3. Receive your plan. You get the full document in Word and PDF, with an income statement, cash flow, balance sheet and break-even analysis for 1 to 5 years.
4. Request one revision round. List every change you want in one go, and the plan is rewritten in a single pass. Typing your own edits is always free.

You can start by reading the Business Plan Generator page for the full list of inputs. If you are new to the document itself, the how to write a business plan guide explains what each section is for.

Local tax, registration and currency points your plan must reflect

Four parts of the plan depend on Romanian rules: the registration route, VAT, profit tax and currency. Get these right in the financial section, and the rest of the plan is much easier to defend.

Registration and the trade register

Companies are registered through ONRC, and its official guidance is on the National Trade Register Office website. Name the legal form you intend to use in your plan, such as an SRL (limited liability company). Costs and capital requirements differ between forms, so the figures in your plan depend on this choice.

VAT and profit tax

Romania’s standard VAT rate changed in 2025, so do not reuse a figure from an older guide. Check the current rate on the ANAF website, and state whether your prices include VAT. The standard corporate income tax rate is 16 per cent, but very small companies may qualify for the micro-enterprise regime, so model both options before you commit.

Currency: lei and euro figures

The Romanian currency is the leu (plural lei), abbreviated RON. Romanian banks usually expect figures in lei. If you prepare figures in euro for an investor, state the exchange rate you used and its date, and check the official reference rates published by the National Bank of Romania.

Funding and support routes available in Bucharest

Bank loans and leasing are the most common routes for established owners. Start-Up Nation Romania has funded new micro-enterprises through non-refundable grants in past calls, but each call sets its own eligibility, co-financing and budget rules. Read the current guidelines before you write your budget, because the rules change between calls.

Business plan for a grant application

A grant assessor checks that your activities match your budget and that you meet the eligibility rules. For example, if your activity plan includes buying three pieces of equipment, the budget must show those three items at a cost you can justify. A mismatch between the activity plan and the budget is one of the easiest things for an assessor to spot.

Why this service is a better starting point than the usual alternatives

You have three realistic options for a Bucharest plan: a free template, a freelance writer or consultant, or an online generator. Each has a place, so the table below sets out where each one fits.

Option	Turnaround	Financial projections	Revisions	Best suited to
Free template	Immediate	Often blank or generic	You do all the work	Early ideas and personal planning
Consultant or freelance business plan writer	Usually longer, scheduled around their calendar	Usually included, quality varies	Depends on your contract	Complex, multi-party projects
Online business plan generator	Guided questionnaire, then delivery	1 to 5 years, all four statements	One round, edits free to type	Banks, grants, registration and visa files

The main advantage is consistency. The projections, the written sections and the assumptions come from the same inputs, so a change in your pricing flows through to the cash flow and break-even. Templates often leave you to reconcile the numbers by hand, which is where errors creep in. Consistent figures are also easier for a loan officer to check.

Questions to ask before you commit to a plan

A cautious buyer should check a few points before ordering. None of them takes long, and each one can save you a rewrite.

• Language: Confirm that the output language matches what your bank or programme requires.
• Currency: Decide whether your figures need to be in lei or euro, and say so in the questionnaire.
• Assumptions: Be ready to explain every revenue and cost number. A plan is only as credible as its inputs.
• Terms: Read the terms and the refund policy on the business plan pricing page before you pay.
• Verification: Check registration, tax and grant details on the official sites yourself, since rules change between years and between grant calls.

Your next step: get a plan you can take to a Bucharest bank

Gather your numbers first. You will need expected monthly sales, supplier costs, staff costs, start-up equipment and the amount of your own money you will put in. With those to hand, open the Business Plan Generator, answer the questionnaire and upload any headings your funder requires.

If you want to see the level of detail before you start, browse the business plan examples library. Once the plan is in your hands, you have a clear, business plan help document to take into your bank meeting or grant application.

Frequently asked questions