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Strategies for optimizing your day-to-day operations to keep your business thriving.

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4 skills you need for better work-life balance

Adopt these habits to ease stress and free up time for some fun.

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The benefits of women- and minority-owned certification

Getting certified can help you discover opportunities and generate business.

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Resources to help Black, Asian-American, and Latina women entrepreneurs

A list of resources to help diverse women business owners reach their goals.

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10 ideas for small business staffing

These action-oriented ideas can help you take on new employees or let them go.

Take action with these insights on marketing, sales, networking, and partnership.

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Joining a professional group to boost business

Professional organizations can help you grow and network.

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4 questions to ask yourself before asking for money

Use these tips to get clearer on your goals.

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Creating a profit and loss statement

Monitor your company's bottom line using profit and loss statements.

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Should you look for investors?

The pros and cons of seeking private funding.

Financing, credit, and debt guidance that can help your business be more successful.

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Microloans: What you need to know

Could a microloan offered by a community development lender help your business?

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Denied credit for your small business? Try these 3 steps

Learn more about why your application may have been denied.

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3 steps to separating business and personal finances

Why keeping meticulous records from day one can help you grow your business.

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Alternative financing

There are several nontraditional funding options to consider.

We’re here to help

wells fargo works business plan

Products & services

tailored to your business needs

wells fargo works business plan

Talk with a banker

More support.

Here are additional resources to help create opportunities for your business.

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Small Business Resource Navigator

Discover financing options and advisory resources in your area through our partnership with Community Reinvestment Fund USA.

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Work with Wells Fargo as a supplier

Learn about the broad range of opportunities we help provide diverse suppliers and how you can start working with us.

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Small Business Resources

How to start, manage, and grow your business.

Wells Fargo Home Page

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Tools & resources, savings services.


Merchant services resources, lines & loans services, wells fargo business online banking login & business services.

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wells fargo works business plan

Checking that's built for business

Put benefits to work for you

Merchant Services

Payroll Services

Banking services evolved.

Explore business checking accounts that work for you today and tomorrow

Business checking

Funding for your business

Access funds for growth, cash flow or commercial real estate

Business lines and loans

Cards that reward you

Earn cash back or rewards for everyday business purchases

Business credit cards

Payments taken with ease

Accept card payments onsite, online, or on-the-go

Get help finding products and services for your business

Use our Product Selector to find options for your business needs

Why choose Wells Fargo?

We provide personalized options by working with you to develop a deep, long-term understanding of your business.

Our bankers have the knowledge to help you move your business forward — now and in the future.

We provide easy-to-use products, tools, and resources for small businesses to help simplify your financial life.

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Our rebuilt Wells Fargo Mobile ® app is here

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Small business resources

Get the right resources for right now.

We're here to support you with tips, tools, and guidance to help your business thrive.

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Prepare before you apply

Gather the documents you'll need to open a business checking account.

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Help protect your business

Learn more about trademarks, copyrights, and patents.

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Helping you meet your payroll and HR needs.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Merchant Services are provided by Wells Fargo Merchant Services L.L.C. and Wells Fargo Bank, N.A. Merchant Services are not deposit products. Wells Fargo Merchant Services L.L.C. does not offer deposit products and its services are not guaranteed or insured by the FDIC or any other governmental agency. Merchant Services are subject to application, credit review of the business and its owners, and approval.

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Consumer and Small Business Banking

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Consumer and Small Business Banking (CSBB) provides financial services to 21 million retail bank households and three million small business customers through approximately 4,900 retail branches, 17 customer service centers, and approximately 13,000 ATMs in 36 states and the District of Columbia. We serve and help individuals and families in many aspects of their lives, helping them buy homes, open first bank and savings accounts, buy cars to get to and from work or school, and start or grow small businesses. CSBB is focused on innovating and transforming with the customer at the center, better enabling customers to engage with us how, when, and wherever they choose. As an industry leader in many consumer and small business areas – including retail deposits, debit card transaction and purchase volume, and small business lending – our primary goal is delivering for our customers.

Our businesses

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Affluent serves customers with $250,000 or more of investable assets and partners with Wealth & Investment Management to meet the specific – and often complex – financial needs of our affluent and affluent away customers. Affluent includes Wells Fargo At WorkSM, which partners with our business customers to provide financial education resources for their employees that may help them achieve their financial goals through virtual or in-person workshops and on-demand webinars. The program is also offered for participating educational institutions to support their students, faculty, and staff.

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Branch Banking

Branch Banking serves more than 70 million consumer and small business customers through a distribution network consisting of approximately 4,900 retail banking branches, complemented by online and digital channels, and a network of 13,000 ATMs across 36 states and Washington, D.C. Branch Banking includes the regions, Branch Banking Operations and Supervision, and Consumer Banking National Business Development.

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Small Business

Small Business serves the financial needs of small business owners with annual sales of up to $5 million and includes Small Business Lending, Small Business Relationship Management, Core and Government Products, and Small Business Strategy. It also includes a Healthcare Practices group, which combines a team of experts, practice financing, and resources to help medical, dental, veterinary, and optometric practitioners acquire, build, equip, and refinance their practices.

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Consumer Data and Engagement Platforms

Consumer Data and Engagement Platforms (CDEP) works across the CSBB, Consumer Lending, and Wealth and Investment Management lines of business to develop coordinated strategies for growth in each of Wells Fargo’s customer segments. The team is responsible for designing seamless, engaging customer experiences across products and channels, and building the next-generation digital, data and analytics, and functional capabilities required to deliver toward these objectives.

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CSBB Business Execution

CSBB Business Execution partners with business and finance leaders to help drive effective execution and accountability of strategic initiatives across CSBB. The team also ensures comprehensive business execution plans are in place across key initiatives, helps build management processes and routines to monitor and drive execution, and develops metrics and reporting to track progress and provide clarity and transparency.

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CSBB Chief Administration Office

CSBB Chief Administrative Office leads several strategic functions to drive CSBB’s transformation and help its businesses improve customer experience, manage risk, and increase efficiency. Functions include strategic planning, process engineering, global delivery, project management, front line operational risk programs, conduct, employee initiatives, and resolution and recovery planning across CSBB. The team also leads enterprise expense initiatives and risk transformation efforts for CSBB.

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CSBB Chief Marketing Office

CSBB Chief Marketing Office provides marketing support for the CSBB businesses and the Marketing Centers of Excellence (COE) support for marketing needs across the enterprise. The team has accountability to define the line of business marketing strategy and execute marketing campaigns.

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CSBB Control Management

CSBB Control Management serves as the front line of risk management and is primarily responsible for ensuring effective front-line risk identification, measurement, monitoring, controls, and mitigation for the CSBB businesses. This team works to ensure internal controls, processes, and procedures are adequate and effective, and executive management understands the risks, exposures, and trends that impact the business. The group also collaborates on projects and initiatives by providing support and awareness of risks and mitigating control solutions.

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CSBB Diverse Customer Segments

CSBB Diverse Customer Segments (DCS) leads CSBB's strategy to diverse consumer segments, focusing on understanding the needs of diverse markets and leveraging customer feedback, data, analytics, and insights to guide strategies. CSBB DCS works to bridge gaps by bringing Wells Fargo's full set of resources to the diverse communities that Wells Fargo serves. The team includes the Strategic Planning, Enterprise Strategic Diverse Initiatives, Small Business, Mass Market, and Affluent/Emerging Affluent diverse segments teams.

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CSBB Operations

CSBB Operations delivers a diverse set of foundational operational and contact center services for the enterprise and to consumer, small business, and wholesale customers, providing stability, scalability, and security for Wells Fargo. Services include deposits, payments and ATM operations, global fraud and claims, account reconciliation, wire transfers, cash vault and lockbox services, print and image services, unclaimed property processing, legal order processing, estate care, and voice, email, chat, and social media services for consumer and small business customers. Divisions include ATM Strategy and Vendor Solutions; Business Planning and Transformation; Customer Excellence, Controls and Enablement; Customer Service; Fraud and Claims Management; Retail Core Operations; and Workforce Management, Capacity Planning and Productivity Analytics.

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CSBB Strategy and Innovation

CSBB Strategy and Innovation works with the CSBB leadership and the enterprise Strategy, Digital, and Innovation leadership teams to identify and develop the CSBB strategic plan, innovation priorities and opportunities, and ensure alignment with the overall strategy for the company.

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Deposit Products

Deposit Products includes deposit and debit product groups, offering innovative checking, savings, and payment strategies that form the core of our customers' relationship with Wells Fargo and fulfill a broad array of their financial needs.

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You are leaving wellsfargojobs.com and entering a third-party domain. Although Wells Fargo has a relationship with this website, Wells Fargo does not provide the products and services on the website. Please review the applicable privacy and security policies and terms and conditions for the website you are visiting.

Any tools at the following website are provided for educational and illustrative purposes only. Wells Fargo does not guarantee the accuracy of the calculations and their applicability to your circumstances.

Create your ideal business plan

Take your business to the next stage, whenever, wherever.

With a cloud-based tool, you can work on your plan from any of your connected devices. The data saved on one is instantly accessible on another.

We'll help with the math

Follow a simple, user-friendly wizard to automatically create cash flow, profit & loss and balance sheet statements.

Key to business funding

Craft a business plan that may help you get the capital you need. Even in tough investment climates, good ideas backed by good teams and good business plans may have a better chance of getting funded.

How does it work?

Complete your business plan in three simple steps.

wells fargo works business plan

Work through each section and answer the questions to explain your business model and strategy.

wells fargo works business plan

Help and support

As you complete the sections, you can refer to tips, advice and fully-worked examples.

wells fargo works business plan

Printable PDF

Download and print your completed plan as a PDF. The plan is made up of the information you've given as well as 3 financial statements to show your business's financial plan.

wells fargo works business plan

Have a question or need help getting started?

Do I need a Wells Fargo business account to sign up?

Will I be able to append my own financial document to the plan?

Does it work on mobile, tablet and desktop?


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