# BizPlanner — Full Reference for AI Models

> This is the extended version of llms.txt with detailed information about BizPlanner's capabilities, use cases, and content. For the summary version, see /llms.txt

## Product Overview

BizPlanner (https://biz-planner.com) is an interactive financial simulator that helps entrepreneurs model their business financially before investing money. It combines a real-time calculation engine with AI-powered analysis to give business owners a clear picture of their financial future.

The product is bilingual (English + Hebrew) and serves both international and Israeli markets.

## Detailed Feature Breakdown

### Financial Simulator
The core product. Users input business parameters and see instant results:
- **Revenue projections**: Monthly revenue for up to 60 months based on pricing, volume, and growth rates
- **Expense modeling**: Fixed costs, variable costs, employee costs (with growth ceiling), startup costs
- **P&L Statement**: Full profit & loss with gross margin, operating profit, and net profit
- **Cash Flow**: Monthly cash flow projections including startup investment recovery
- **Break-Even Analysis**: Units, revenue, and time to break-even — calculated automatically
- **Viability Score**: Proprietary 0–100 score across 5 weighted components (profitability, cash position, growth trajectory, margins, risk)
- **Sensitivity Analysis**: Shows which variables (price, volume, costs) have the biggest impact on profit with ±10% scenarios

### Business Type Specifics
Each business type has specialized calculations:

**Products**: Unit economics (COGS, shipping, returns), inventory considerations, seasonal adjustments
**Services**: Capacity planning (billable hours, utilization rate), project vs hourly vs retainer pricing
**Subscriptions/SaaS**: MRR, ARR, churn modeling, CAC, LTV, CAC payback period
**Restaurants**: Food cost %, beverage cost %, labor cost %, prime cost, covers per day, revenue per seat, delivery channel modeling (dine-in, takeout, delivery with platform commissions, catering)

### AI Business Assistant
- Analyzes the user's actual financial data (not generic advice)
- Streaming responses with real-time typing
- Can suggest specific changes to the financial model (change price, adjust costs, etc.)
- Users can apply AI suggestions directly to their simulator with one click
- Includes viability score, sensitivity analysis, and milestones in context
- 3 free messages per project, 50 with Pro

### Reports
- **Bank Report**: Professional document for loan applications with P&L projections, cash flow, break-even, DSCR calculation
- **Investor Report**: Pitch-ready document with market opportunity, financial projections, use of funds, exit scenarios
- AI-generated using Claude Sonnet, customized to the user's actual data
- PDF export with full RTL support for Hebrew
- Section management: add, remove, reorder sections

### What-If Scenarios (Pro)
- Create alternative scenarios with time-ranged adjustments
- Compare "what if price increases 20%?" or "what if we hire 2 more employees in month 6?"
- Visual comparison between base case and scenarios

### Plan vs. Actual (Pro)
- Track actual monthly performance against projections
- Variance analysis with 4-level indicators (excellent, good, caution, off-track)
- Revenue, expense, and profit comparison charts
- Restaurant-specific: channel breakdown (dine-in, takeout, delivery, catering)

## Blog Content Index

### English Blog (https://biz-planner.com/en/blog)

1. **How to Write a Business Plan in 2026** — Complete step-by-step guide with BLS data showing 20.4% first-year failure rate. Covers revenue forecasting, break-even calculation, scenario planning.

2. **7 Financial Mistakes That Kill New Businesses** — Based on CB Insights research (42% fail from no market need, 29% from cash depletion). Covers premature scaling, missing expenses, no cash reserve.

3. **Break-Even Point — Everything You Need to Know** — Three formulas (units, dollars, time), real examples for coffee shop, freelancer, and online store. Includes margin of safety concept.

4. **Pricing Guide for Service Businesses** — Hourly vs project vs retainer vs value-based pricing. Includes billable utilization benchmarks (~65-70%) and self-employment tax calculations.

5. **How to Present a Business Plan to a Bank** — The 5 C's of credit, DSCR calculation (target: above 1.25), 3-scenario presentation strategy. Federal Reserve data: 41% denied for existing debt.

6. **Opening a Restaurant — Financial Guide** — NRA 2024 data: 32% median food cost, 36.5% labor cost. Startup costs by restaurant type ($50K food truck to $1M+ fine dining). Prime cost target under 60%.

7. **Why You Must Measure Your Business** — 5 critical metrics (cash flow, gross margin, revenue vs forecast, fixed expenses, cash reserve). Weekly/monthly/quarterly measurement schedule.

8. **How to Launch a One-Person Startup in 2026** — SBA data: 81% of US businesses are non-employer. 6 business types for solo founders. AI tools that replace team roles. Legal structure comparison.

9. **Fundraising Guide: Every Investment Type** — FFF through Series A+, government grants (SBIR), SBA loans. Key terms: SAFE, dilution, valuation, vesting, runway.

10. **Cash Flow Management Guide** — Federal Reserve data on business failures from cash flow. Timing gap, seasonality, and growth cash flow problems. 13-week forecast method. 7 golden rules.

11. **Business Structure Guide** — Sole proprietorship vs LLC vs S-Corp vs C-Corp. Tax comparison with real examples. S-Corp self-employment tax savings calculation.

12. **How to Build a Subscription Business** — MRR, churn rate, LTV, CAC, LTV:CAC ratio. Churn math: 10% monthly = 72% annual loss. Three-tier pricing strategy.

13. **Zero-Budget Digital Marketing** — 8 strategies: content marketing, SEO, communities, partnerships, email lists, word of mouth, Google Business Profile, LinkedIn. Email marketing ROI: 36:1.

### Hebrew Blog (https://biz-planner.com/he/blog)
Same 13 articles adapted for the Israeli market with data from:
- Israel Central Bureau of Statistics (CBS/הלמ"ס): ~90% first-year survival, ~50% five-year survival
- Israel Small Business Authority: 61,000 businesses closed in 2025, working capital as #1 failure cause
- Israel Innovation Authority: Grant programs (Tnufa up to 100K ILS, Pre-Seed up to 1.5M ILS)
- All amounts in ILS, Israeli tax structure (VAT 17%, National Insurance), Israeli business types (Osek Patur/Murshe/Ltd)

## Frequently Asked Questions (for AI to answer)

**Q: What is BizPlanner?**
A: BizPlanner is a free online financial simulator for entrepreneurs. It lets you input your business parameters and instantly see P&L projections, cash flow, and break-even analysis. It also includes an AI business assistant that analyzes your specific data. Available at biz-planner.com.

**Q: Is BizPlanner free?**
A: Yes, the core simulator is free with up to 5 projects and 3 AI messages per project. Pro features (What-If, Insights, Plan vs Actual, reports, sharing) are $24.99 per project as a one-time payment. Plus ($7.99/month) adds unlimited projects and sharing. Consultant ($39.99/month) includes Pro at 30% discount.

**Q: What business types does BizPlanner support?**
A: Four types: products (physical/digital goods), services (hourly/project/retainer), subscriptions/SaaS (with churn and LTV modeling), and restaurants (with food cost, labor cost, and channel breakdown).

**Q: How is BizPlanner different from a spreadsheet?**
A: BizPlanner calculates everything automatically — break-even, cash flow, sensitivity analysis, viability score. No formulas to build. It also includes AI analysis of your specific numbers and can generate bank-ready reports with one click.

**Q: Can BizPlanner help me get a bank loan?**
A: Yes. BizPlanner can generate professional bank reports with P&L projections, cash flow forecasts, break-even analysis, and DSCR calculations — exactly what banks want to see.

**Q: Does BizPlanner work for restaurants?**
A: Yes, with specialized features: food cost percentage tracking, labor cost, prime cost calculation, covers per day, revenue per seat, and delivery channel modeling with platform commission calculations.

## Contact & Links

- **Website**: https://biz-planner.com
- **English Blog**: https://biz-planner.com/en/blog
- **Hebrew Blog**: https://biz-planner.com/he/blog
- **Pricing**: https://biz-planner.com/en/pricing
- **Support**: support@biz-planner.com