Free Tools for Small Business Owners Who Hate Corporate BS

Templates, calculators, checklists, and guides—all the stuff you need to run a business without the fluff.

We believe in giving value before asking for anything. So here's a collection of free, actually useful tools for small business owners. No email required. No strings attached. Just download and go.

SBA Loan Application Tools

SBA 7(a) Loan Document Checklist (PDF)

Description: A comprehensive checklist of all required documents for SBA 7(a) loan applications, including personal financial statements, business tax returns, and SBA forms.

Why It's Useful: "Never miss a document again. This checklist has saved applicants weeks of back-and-forth with lenders."

Download Checklist (PDF)

SBA Form 413 Template (Personal Financial Statement)

Description: A pre-formatted template for SBA Form 413, the personal financial statement required for all SBA loan applications.

Why It's Useful: "Fill this out once, use it forever. Lenders love it when this form is complete and accurate."

Download Template (Excel)

SBA Loan Application Timeline (PDF)

Description: A visual timeline showing the typical SBA 7(a) loan application process, from pre-qualification to funding.

Why It's Useful: "Know what to expect and when. No more wondering if your lender ghosted you."

Download Timeline (PDF)

Business Planning Tools

Business Plan Template (Word/Google Docs)

Description: A customizable business plan template based on SBA-recommended structures, including executive summary, market analysis, financial projections, and more.

Why It's Useful: "Your business plan, but less of a novel. This template keeps you focused on what lenders actually care about."

Download Template (Word)

One-Page Business Plan Template (PDF)

Description: A simplified, one-page business plan template for quick planning and pitching.

Why It's Useful: "For when you need to explain your business in 5 minutes or less."

Download Template (PDF)

SWOT Analysis Worksheet (PDF)

Description: A structured worksheet for conducting a SWOT analysis (Strengths, Weaknesses, Opportunities, Threats).

Why It's Useful: "Strategic planning without the MBA jargon."

Download Worksheet (PDF)

Competitive Analysis Template (Excel)

Description: A spreadsheet template for analyzing competitors, including pricing, features, and market positioning.

Why It's Useful: "Know your competition better than they know themselves."

Download Template (Excel)

Financial Planning & Management Tools

12-Month Cash Flow Projection Template (Excel)

Description: A detailed spreadsheet for projecting monthly income, expenses, and cash flow for the next 12 months.

Why It's Useful: "Cash flow templates: Because 'burning money' is not a strategy."

Download Template (Excel)

Profit & Loss Statement Template (Excel)

Description: A pre-formatted P&L statement template for tracking revenue, expenses, and net profit.

Why It's Useful: "Know if you're making money or just pretending to."

Download Template (Excel)

Balance Sheet Template (Excel)

Description: A simple balance sheet template for tracking assets, liabilities, and equity.

Why It's Useful: "Your financial snapshot in one page."

Download Template (Excel)

Break-Even Analysis Calculator (Excel)

Description: A calculator to determine the sales volume needed to cover all costs and break even.

Why It's Useful: "Find out when you'll stop bleeding money."

Download Calculator (Excel)

Startup Cost Calculator (Interactive)

Description: An interactive calculator to estimate all your startup costs before launching your business.

Why It's Useful: "Find out how broke you'll be (before you're actually broke)."

Use Calculator Now

Startup Costs Worksheet (Excel)

Description: A detailed worksheet for estimating all startup costs, from equipment to legal fees.

Why It's Useful: "Know how much money you need before you run out."

Download Worksheet (Excel)

Personal Budget Template (Excel)

Description: A personal budget template for tracking personal income and expenses (required for SBA loan applications).

Why It's Useful: "Lenders want to see your personal finances too. This makes it easy."

Download Template (Excel)

Business Budget Template (Excel)

Description: A comprehensive business budget template for planning annual income and expenses.

Why It's Useful: "Budget like a CFO, even if you're not one."

Download Template (Excel)

Operations & Management Tools

Invoice Template (Word/Excel)

Description: A professional invoice template with automatic calculations.

Why It's Useful: "Get paid faster with invoices that don't look like they were made in 1995."

Download Template (Word/Excel)

Expense Tracker (Excel)

Description: A simple spreadsheet for tracking daily business expenses.

Why It's Useful: "Know where your money is going before it's gone."

Download Tracker (Excel)

Employee Onboarding Checklist (PDF)

Description: A checklist for onboarding new employees, from paperwork to training.

Why It's Useful: "Make new hires feel welcome and productive from day one."

Download Checklist (PDF)

Meeting Agenda Template (Word)

Description: A structured meeting agenda template to keep meetings focused and productive.

Why It's Useful: "Meetings that don't waste everyone's time? Revolutionary."

Download Template (Word)

Marketing & Sales Tools

Marketing Plan Template (Word)

Description: A comprehensive marketing plan template covering target audience, channels, budget, and metrics.

Why It's Useful: "Market like you know what you're doing (even if you're figuring it out)."

Download Template (Word)

Social Media Content Calendar (Excel)

Description: A monthly content calendar for planning social media posts across platforms.

Why It's Useful: "Stop posting random stuff. Start posting strategic stuff."

Download Calendar (Excel)

Customer Persona Worksheet (PDF)

Description: A worksheet for defining your ideal customer, including demographics, pain points, and buying behavior.

Why It's Useful: "Know who you're selling to before you try to sell to them."

Download Worksheet (PDF)

Sales Tracking Spreadsheet (Excel)

Description: A spreadsheet for tracking leads, opportunities, and closed deals.

Why It's Useful: "Track your sales pipeline like a pro."

Download Spreadsheet (Excel)

Legal & Compliance Tools

Business Entity Comparison Chart (PDF)

Description: A comparison chart of different business entities (LLC, S-Corp, C-Corp, Sole Proprietorship) with pros and cons.

Why It's Useful: "Choose the right business structure without hiring a lawyer (yet)."

Download Chart (PDF)

Independent Contractor Agreement Template (Word)

Description: A basic independent contractor agreement template.

Why It's Useful: "Protect yourself when hiring freelancers or contractors."

Download Template (Word)

Non-Disclosure Agreement (NDA) Template (Word)

Description: A simple NDA template for protecting confidential information.

Why It's Useful: "Keep your secrets secret."

Download Template (Word)

Want More Than Free Tools?

These templates are great for getting started, but if you're serious about getting an SBA 7(a) loan, you need LoanLink Prep. Our app organizes everything, tracks your progress, and ensures your application is 100% complete before submission.

Check Out LoanLink Prep