Commercial banks
Repayment capacity, cash flow, debt burden, collateral and project resilience.
KIR CONSULTING · ALMATY · KAZAKHSTAN
Business plan development in Almaty and Astana.
For a bank, investor, business launch or expansion. We research the market and connect the business plan to a financial model, tailored to your business objective and the recipient's requirements.
Or send an inquiryLaunch · Expansion · Funding · Investment decision
The logic of your business.
Document structure and depth reflect the project's purpose and recipient requirements.
WHEN THE SERVICE IS NEEDED
What objective are you facing?
Choose your objective to see the business plan's focus and the source data required.
YOUR OBJECTIVE
Bank financing
What you receive
- A business plan tailored to the selected bank's requirements.
- Cash flow, funding structure and debt burden calculations.
What to prepare and consider
Substantiation of project repayment capacity, loan structure, cash flow, collateral and operations.
- Funding purpose, amount, term and intended bank.
- Business, revenue, cost, existing debt and collateral data.
Document preparation does not mean loan approval. The bank makes the decision.
YOUR OBJECTIVE
Damu, DBK, IDF and ACC
What you receive
- A business plan reflecting the specific programme and recipient requirements.
- Substantiation of the budget, funding sources and economic impact.
What to prepare and consider
Preparation of materials reflecting the programme's purpose, project criteria and specific recipient requirements.
- Selected programme or institution: Damu, DBK, IDF or ACC.
- Sector, project stage, investment and available application requirements.
We clarify programme applicability and document requirements before starting. Naming an institution does not imply partnership.
YOUR OBJECTIVE
Investor engagement
What you receive
- A business plan with market substantiation and a clear business model.
- Capital requirements, growth scenarios, viability assessment and investment risks.
What to prepare and consider
Market, business model, capital requirements, growth scenarios, returns and key investment risks.
- Product, target market, business stage and use of investment.
- Current performance or source assumptions and the prospective investor's expectations.
Presentation materials are agreed separately. Returns and investment are not guaranteed.
YOUR OBJECTIVE
SEZs and industrial zones
What you receive
- A business plan tailored to the selected SEZ or industrial zone.
- Substantiation of site, technology, capacity, infrastructure and economic impact.
What to prepare and consider
Substantiation of site, infrastructure, technology, capacity, localisation and economic impact.
- Planned production, region, selected zone and recipient requirements.
- Site, equipment, utility requirements and project budget.
We establish before starting whether a feasibility study or separate technical documentation is required. The document does not guarantee participant status or land allocation.
YOUR OBJECTIVE
New production
What you receive
- Market, production and financial substantiation of the project.
- Investment, cost, utilisation, working capital and launch scenario calculations.
What to prepare and consider
Technical and financial assessment of launching, modernising or expanding a production facility.
- Products, technology, equipment and planned capacity.
- Supplier quotations, site, raw materials, staffing and sales assumptions.
Technical depth depends on the project; comparing technologies, sites and infrastructure may require a feasibility study.
YOUR OBJECTIVE
Owner's decision
What you receive
- A business plan for an owner's decision: launch, change parameters or refine the project.
- Scenario comparison, break-even point and funding requirements.
What to prepare and consider
Comparing options, validating economics and assessing break-even and funding needs.
- The decision to be made and the options to compare.
- Operating business data or assumptions about the product, demand, pricing and costs.
If market research or a financial model is sufficient without a full business plan, we will propose that scope.
YOUR OBJECTIVE
Business plan for Astana Hub
What you receive
- An IT business plan with connected market, operational and financial sections.
- We define the materials based on the objective and requirements checked before work begins.
What to prepare and consider
Describe the IT product, business model, team, market and development plan in the recipient's format.
- Product, users, monetisation and development stage.
- Team, development plan, current metrics and financial assumptions.
Developing a business plan does not guarantee participant registration or tax benefits.
What matters to different document recipients
Development institutions
Programme eligibility, economic impact, sector criteria and completeness of materials.
Investors and funds
Market, growth strategy, capital requirements, returns, risks and potential exit scenarios.
SEZs and industrial zones
Technology, infrastructure, site, investment, jobs and implementation plan.
Institutions are named as potential document recipients; this does not imply partnership or affiliation.
DELIVERABLES
A document backed by calculations.
Market, technology, cash flow and risks in one coherent framework. Final scope and formats are agreed in the terms of reference.
01Market research
Market size and trends, target segments, competitors, prices, sales channels and demand substantiation.
02Operating model
Product, technology, capacity, staffing, resources, procurement, production and ramp-up plan.
03Financial model
Revenue, costs, taxes, CAPEX, working capital, funding sources and cash flow.
04Viability assessment
Break-even, payback, NPV, IRR, debt burden and other indicators where applicable.
05Scenarios and risks
Base and alternative scenarios, sensitivity to key assumptions and risk-management measures.
06Final document
A business plan or feasibility study, calculation appendices and materials in the recipient's agreed format.
How development works — five stages
METHODOLOGY
How development works
Document content and depth depend on the objective, recipient requirements and source-data quality.
- 01
Define the objective
We define the document's purpose, recipient, assessment criteria and project boundaries.
- 02
Source data
We collect market, technical, operating and financial assumptions.
- 03
Research
We assess demand, competitors, technology, capacity, resources and risks.
- 04
Model and document
We connect the operating plan to the financial model and prepare the materials.
- 05
Review
We review the logic and calculations, adapt the document and address comments.
FEE AND TIMELINE
Fee and timeline
We estimate after reviewing the project; scope depends on the objective and data readiness.
What determines the fee and schedule
We do not quote a universal price before understanding the project: the same service name can involve very different research and calculation scopes.
What determines the fee
- Project scale and stage
- Availability of market research and technical data
- Financial model complexity and number of scenarios
- Bank, fund or investor requirements
How we determine the timeline
After reviewing source materials we define the data checklist, stages and schedule. Additional data collection or validation is considered separately.
To begin, describe the project, document purpose, investment amount and intended recipient.
Request a project assessmentPROJECT LOCATION
A business plan reflects where the project will operate.
KIR Consulting's office is in Almaty. We work with projects in Astana and across Kazakhstan, accounting for the project location and the document recipient's requirements.
Business plan development in Almaty
For a new or existing business, we define its sales area: Almaty, the surrounding region or other markets. We assess demand, competitors, premises costs, staffing and logistics using sources and project inputs.
Almaty office addressBusiness plan development in Astana
Calculations reflect the project site and business model in Astana: renting or building, utilisation, staffing and operating costs. The document's scope depends on its purpose: a bank, investor, launch or expansion.
For an IT project: an Astana Hub business planFor a cost and timeline assessment, tell us the city, the business plan's purpose, its intended recipient and the investment amount.
DETAILED CASE
Drinking and mineral water production
Investment business plan: market, production plan and financial model in one project.
Explore the case: objective, work and outcome
CLIENT OBJECTIVE
Validate the commercial and investment logic, define launch parameters and prepare a business plan with market, operating and financial substantiation.
Work completed
- 01Concept, capacity and launch parameters
- 02Market and competitive landscape analysis
- 03Production and operating plan
- 04CAPEX, OPEX and a scenario-based financial model
- 05Risks and investment materials
View materials FINAL DOCUMENTInvestment business plan
DELIVERABLE
An integrated project model was prepared, combining market, operational and financial assumptions in one document for decision-making and subsequent work with a funding institution.
Original case
This describes prepared materials, not confirmation of a factory launch, approval or financing disbursement.
CASES RELEVANT TO YOUR OBJECTIVE
Different sectors. One coherent project logic.
All casesManufacturing, education and a digital product: business plans for different business models and recipients.
Manufacturing
Drinking and mineral water production
Market, production and financial substantiation for launch.
DeliverablesInvestment business plan
Open caseConstruction & real estate
Pre-school Hub — early childhood education centre
Utilisation plan, operating model and financing package.
DeliverablesBusiness plan for financing
Open caseIT & digital products
Easyrent — car rental marketplace
Digital product business model and Astana Hub documentation.
DeliverablesBusiness plan for Astana Hub
Open caseKIR CONSULTING EXPERIENCE
KIR Consulting experience and capabilities
Manufacturing, agriculture, logistics, construction, energy and technology across Kazakhstan.
FREQUENTLY ASKED QUESTIONS
More clarity before work begins.
What determines the development fee?
The fee depends on scale, source data, research needs, technical and model complexity, scenarios and recipient requirements. We confirm the estimate after a brief and material review.
How long does preparation take?
Preparation depends on data readiness and document depth. After the initial meeting we define the information checklist, stages and schedule. Critical gaps are agreed before calculations.
In what format are the materials delivered?
Final scope depends on the objective and usually includes a business plan or feasibility study, financial model, calculation appendices and presentations where required. Formats are agreed in the terms of reference.
More questions — requirements, data and support
How does a business plan differ from a feasibility study?
A business plan explains the project's market, operational and financial logic. A feasibility study examines technology, site, capacity, resources, infrastructure and implementation options in greater depth. The format depends on the purpose and recipient requirements.
Can a business plan be tailored to a specific bank or fund?
Yes. Before calculations begin we identify the recipient and check its structure, assessment criteria and appendix requirements. Materials can be tailored to a bank, Damu, DBK, IDF, ACC, investor, SEZ or industrial zone.
Is a financial model included in the business plan?
Yes, when required by the project's objective. The model connects production or sales, revenue, costs, taxes, investment, funding sources and cash flow. Assumptions and formulas remain transparent for review.
What if some source data is missing?
We distinguish essential data from items to clarify, develop substantiated assumptions and a validation plan. Material information gaps are explicitly recorded in the model and document.
Do you provide support after submission?
Yes. Within the agreed scope we update calculations, prepare explanations and address comments from the bank, fund or investor. The relevant institution makes the financing decision.
What information is needed for an initial business plan assessment?
Specify the purpose, intended recipient, sector, location, planned investment and available materials. Leave a phone number for an initial consultation; scope, fee and timeline are determined after reviewing the project.
Does a business plan or feasibility study guarantee financing?
No. Business plans and feasibility studies substantiate a project and help recipients assess economics and risks. Financing decisions rest with the bank, fund or investor. Preparing a document does not mean approval of credit, investment or land allocation.
RESOURCES
What to read before starting
BANK
More on feasibility studies Business plan for a bank: what to include
Connecting the market, operating model, loan and cash flow forecast.
FORMATWhen to use a feasibility study
Differences in purpose, technical depth, calculations and appendices.
FINANCEInvestment project financial model
Model structure, key assumptions, scenarios and viability indicators.
INITIAL CONSULTATION
Let's discuss your
business plan.
We clarify the document purpose, fee and timeline after reviewing the project.
- For funding, launching and developing a business
- Almaty, Astana and all of Kazakhstan
- No commitment at the initial consultation