A used equipment loan calculator, a plan outline with an invented dental office, documents sorted by product, a worked case on a used CNC router, and the Census programs behind every figure on the site. A funding partner decides on each request.
Business Plan for a Loan Request: What Each Part Answers, Shown for a Chambersburg, PA Dental Office
A few written lines before the first call are enough to start, and the how-it-works page lists them. When a partner asks for something fuller, a business plan for a loan request still does not need to run long. Each part answers one question about the cost or the business. The table fills the parts in for an invented Chambersburg, PA dental office adding a second countertop autoclave and an ultrasonic instrument cleaner.
| Part | Question it answers | Invented dental office |
|---|---|---|
| The cost | What is being paid for, and at what price? | Two countertop sterilizing units, priced on one supplier quote |
| The business | How long has it run, and what does it do? | A two-dentist general practice, open nine years |
| Revenue | What comes in each month, and from where? | Patient payments and insurance receipts, month by month for the last year |
| Current payments | What does the business already pay each month? | Office rent and an equipment lease on its imaging unit |
| Covering the payment | Which money pays the new installment? | Hygiene visits the second sterilizer frees up room for |
| The owners | Who runs and owns the business? | Both dentists, each owning half |
A partner may ask for some parts and skip others. The figures in the plan should match the bank statements and tax return that go with it, because a partner may compare them line by line.
Business Loan Documents Checklist, Product by Product, for Chambersburg, PA Owners
The how-it-works page sorts documents by the stage of a request. This checklist sorts them the other way, by product, because a merchant cash advance provider and an equipment finance company may each ask for a different set. Any partner can ask for more, or for less:
- Equipment financing: the dealer quote with the model, year and serial number where known, recent bank statements and the business tax return.
- Term loan: business tax returns or a recent profit-and-loss statement, bank statements and a list of current debts.
- Working capital loan: recent bank statements and the bill or invoice the money will pay.
- Line of credit: bank statements and a recent profit-and-loss statement; a balance sheet if the partner asks.
- Inventory financing: the supplier invoice or purchase order, and a current inventory list.
- Merchant cash advance: recent card-processing statements and bank statements, since the provider may look at card sales more than at a payment history.
- Any product: a government ID for each owner and the business's legal name and entity papers.
How to Prepare for a Small Business Loan on a Used Machine: A Franklin County, PA Cabinet Shop's Numbers
Illustration only, invented figures: a Franklin County, PA cabinet shop with six employees is pricing a used CNC router at $31,600 from a dealer, and the dealer's inspection report comes with the quote.
- Get the quote in writing, with the machine's year, its hours and any warranty the dealer offers.
- Set the term against the working life. In this invented example the shop expects about eight more years from the router, so a 36-month or 48-month term ends well before the machine does.
- Price both terms. At a 9.6% annual rate, the 36-month schedule comes to $1,013.72 a month and the 48-month schedule to $795.40 a month (invented figures).
- Total both. In this invented case the 36 payments total $36,493.92 and the 48 payments total $38,179.20, so the longer schedule asks $218.32 less each month and costs $1,685.28 more in interest over its life.
- Hold the payment up against the weakest month of the last year, then call with the quote and the inspection report.
The used equipment loan calculator takes a machine's price, any down payment, a rate and a term, so the shop can run both schedules with its own figures before the call.
Where the Figures on This Site Come From: Census Sources for Franklin County, PA and ZIP 17201
Each figure on the site names its program and year where it appears. These are the programs:
- County Business Patterns (CBP), 2023: employer establishments, paid employees and annual payroll for Franklin County, PA by industry code. An establishment is one business location that had paid employees during 2023.
- ZIP Code Business Patterns, 2023: employer establishments counted by the ZIP of each location's physical address. ZIP 17201 is a postal area and does not follow the Chambersburg borough line.
- Nonemployer Statistics (NES), 2024: businesses with no paid employees, a separate program with its own count.
- American Community Survey 5-year estimates, 2020-2024: the share of employed residents who are self-employed, shown with its margin of error.
- Building Permits Survey, 2025 county total: the new, privately owned homes and apartments that Franklin County, PA permits authorized that year.
Worked examples, like the cabinet shop above, are labeled as invented figures.
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