Dr. Paul Borosky, DBA, MBA

Dr. Paul Borosky, DBA, MBA
Construction and Home Service Templates

Contractor Business Plan Templates: Do You Need a Business Plan to Get a Contractor Loan?

The truck, the trailer, and the tools usually come before the big jobs. That is why most contractors end up at the bank.

For a startup or a bigger loan, the answer is usually yes, you need a plan. Build it on how you actually price and win work.

Find Your Trade →

Which trade are you in? Call or text (321) 948-9588.

Last Updated: 11/07/2026 · Written by Dr. Paul Borosky, DBA, MBA

Choose Your Trade

A roofer prices by the system. A lawn crew prices by the visit. Pick the model that matches how you bill.

Construction and Remodeling

Construction Company $100. Home Remodeling and Handyman $50 each. Priced by the job.

Roofing

Priced by the roofing system. Work truck included. $50.

HVAC, Plumbing, Solar

HVAC, Plumbing, Solar Panel. $50 each.

Welding and Fabrication

Shop and field work. $50.

Lawn, Tree, and Pest

Lawn Care priced by the service, Tree Trimming, Pest Control. $50 each.

Cleaning

Cleaning Company $100, priced by the cleaning, and Carpet Cleaning $50.

Not a contractor? See all business plan templates by industry.

What Gets a Contractor Funded

Lenders have seen plenty of good tradespeople go broke. They want to see the business side is solid too.

  1. A price that covers the whole job. Materials, labor, your share of overhead, and profit.
  2. A pipeline you can name. Referrals, the general contractors you sub for, bids, or ads.
  3. The equipment the work requires. What you are buying, what it costs, and what you are putting in.

Licensing, insurance, and credit still matter. The plan shows the rest.

Showing all 13 results

What the Trade Models Already Handle

Enter how you bill and what it costs.

  1. Jobs drive the revenue. Construction starts from the average job, Roofing from the average roofing system, Lawn Care from the average lawn service, Cleaning from the average cleaning. The rest from average customer sales.
  2. Startup costs for the trades. Vehicle or work truck, tools, equipment, inventory, supplies, advertising, and working capital.
  3. A monthly P&L and five years out. Plus a summary with charts, from your inputs.
  4. A Word plan for your trade. Swap in your service area, crew, and customers.

Example: Pricing One Job

Round numbers, illustration only. Use your own costs.

LineExample
Materials$2,000
Labor$1,500
Share of overhead (truck, insurance, office)$600
Total cost of the job$4,100
Profit at 20%$820
Price to quote$4,920

Quote $4,100 and you worked for free. Quote below it and you paid to do the job. In the template, you enter your average job and what it costs, and the model shows whether the year leaves a profit.

Lender Questions for Contractors

These come up every time.

  1. How do you price a job? Show the build-up, not a guess.
  2. Are you licensed and insured? Lenders and customers both ask.
  3. What happens in the slow season? Weather and holidays slow the work.
  4. Why do you need this equipment now? Show the jobs that justify it.

Pick Who Builds Your Plan

Write it on a rain day, or have it written while you work.

FEATURED

Business Plan Templates

The contractor plan in Word and the model in Excel, built around jobs, prices, and costs. From $50.

Find your template →

Business Consulting

More jobs than ever and the paperwork is a week behind? Dr. Paul's Organize-Plan-Grow™ Strategy gets the business side under control.

See consulting options →

Business Plan Writing

Rather swing a hammer than write? Dr. Paul writes the plan and projections for you.

Start your plan →

Small Business Education

Free lessons and the Fabled Forest Business School books on pricing, sales, and the money side.

Start learning →

Contractor Plans That Stall

Dr. Paul has reviewed 1,000+ plans. Tradespeople trip on these.

  1. Pricing to beat the lowest bid. The lowest bid usually loses money.
  2. No overhead in the job price. The truck and insurance cost money every month.
  3. No pay for the owner. If you work the job, pay yourself.
  4. The same work every month. Most trades have seasons.
  5. Equipment before the work. Show the jobs first.

Contractor Template Walkthrough Videos

How to use a Business Plan Template▶

How to use a Business Plan Template

How to use a Financial Projection Template in Excel for a Business Plan▶

How to use a Financial Projection Template in Excel for a Business Plan

Watch how the Word plan and Excel model fill in. Each trade's product page has its own videos.

Contractor Template FAQ

Which fits a general contractor?

Construction Company for builds, Home Remodeling for kitchens and baths, Handyman for small jobs.

Does it work for a one-person crew?

Yes. Enter your own jobs and costs.

Can I show adding a crew later?

Yes. Raise the growth rate in that year and add the equipment to your funding request.

Want the background first?

Read How to Write a Construction Company Business Plan, Plumbing, or Lawn Care.

Do I need Microsoft Office?

Yes. The files are Word (.docx) and Excel (.xlsx). They do not work in Google Docs or Apple Numbers.

Dr. Paul Borosky, DBA, MBA

Dr. Paul Borosky, DBA, MBA

Every contractor template here started as a real plan Dr. Paul wrote for a tradesperson. Dr. Paul holds a DBA from National University and an MBA with a focus on Finance from Webster University. He has written business plans for 1,000+ small business clients over 14+ years, and he wrote Dr. Paul's Fabled Forest Business School series.

Questions? Call or text (321) 948-9588.

Scroll to Top