Business plans are important in any organisation but are especially important in housing associations. Housing associations have considerable assets and are in business for the long-term, so an effective business plan is needed. Moreover, housing association business plans are closely studied by the Regulators and by the banks who provide much of the capital that is needed to acquire and develop housing.

With relevance in England, Scotland and Wales, the briefing paper includes sections on:

• Business Planning and the Governance and Viability Standard
• Contents of a Business Plan
• Key Elements of a Business Plan
• Consultation
• Value for Money
• Financial Risks
• Sensitivity Analysis
• Stress Testing
• How to develop a business plan to address the new uncertain environment

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