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People often ask “What makes a good business plan? Or, “How do I make my plan attractive to lenders and investors?”.

The simple answer is that lenders and investors (I’ll call them “readers” from here on out) are looking for “good deals”. A “good deal” is one that offers the reader a reasonable rate of return for the risk assumed. The complete answer is that you should write a plan that a reader will want to read and then get it to reader(s) who are looking for your type of project and levels of risk and return. This article deals with the first part of the equation - how to write a business plan that readers will want to read.

Readers want plans that clearly, accurately and completely allow them to make an initial determination about the project. Here are the steps needed to write that plan:

To paraphrase a real estate expression, the three most important things about a business plan are research, research and research. While other things are important (even critical), ultimately your plan will live or die on the quality and completeness of your information. For that matter, you’re about to risk your time and financial future on a project - how much information do you want to have? Step one:

1. Become expert in your project. Learn everything possible about:

a. The customers to whom you will sell (your market).

b. The competition.

c. The actual costs of operating your business (get quotes).

d. The actual results of similar projects.

e. Your industry.

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f. The project’s physical location(s) and it’s impact (if any) on the project.

g. The people who will be key to the project.

(You are welcome to use as a guide the questions that we use with FundablePlans to query a business plan. It is available via e-mail at http://www.fundableplans.com/how-to-do-a-business-plan.html )

If you’ve followed the above, you’ve now got a mound of research - sticky notes, web pages, reports, quotes, etc., etc. But, what does it all mean? Step two:

2. Analyze. (Hopefully) when you first got the idea for your project there was a sense of excitement and a feeling that “this is a sure winner”. Now is the time to see if your feelings were well founded. With a critical eye, do a “SWOT” (strengths, weaknesses, opportunities, threats) analysis on your project. Determine what you are able to do to capitalize on the S and O and minimize the W and T.

Steps one and two may have changed somewhat your “sure winner” feelings - which is good. (If not, you either have hit upon the next “sliced bread” or you need to redo the preceding steps). Presuming that your research and analysis shows a worthwhile use of your time and money (and that of your readers) move to step three:

3. Forecast. This is where the “rubber meets the road”. Using your research and analysis you will now tell your readers that “this is what will happen to the money”. You’ll do it with accounting forecasts called “pro forma” statements. Provide either three or five years of statements with (generally) the first year done monthly, the second and third done quarterly and (if included) the last two years done annually. In all events, include:

a. Operating statements.

b. Cash flow forecasts.

c. Balance sheets.

Optionally include:

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d. Various ratios (loan to value, debt service coverage, etc.)

In addition to the above, you should usually include a “Source and Use of Funds” showing the sources of the initial capital and on what it will be spent.

By this point you’re either sure you have a winner (differing from “a sure winner” in that you recognize the obstacles but are prepared to work through them) or you are going back to the drawing board to rethink your project. If you “have a winner”, step four is:

4. Write the plan. Obviously, you need to be able to use good grammar and spelling. You should be clear, concise and complete. Fill your plan with compelling facts gleaned from your research. Do not avoid the W and T from your SWOT analysis, rather, describe in detail how you will deal with them. Avoid platitudes and your own opinions - everyone knows that you like the idea, readers need facts to determine if they like it. Try to keep your answers as short as possible while still giving complete information. With the exception of the Executive Summary, keep your answers somewhat dry and factual - “short, sweet and to the point”.

The Executive Summary, on the other hand, is where you “sell the sizzle”. It is here that you make the claim that yours is a dynamic project that deserves full consideration. You need to compel your reader to read your plan and tell them why you are excited about the project.

There are likely as many ways to compile a business plan as there are authors of them. A sample outline is at http://www.fundableplans.com/sample_business_plan.pdf . (It requires Adobe Reader to view and includes our logo which is not included in our plans.) You will want to attach to your plan copies of documents referenced in it and historical data on the business (if it is not a startup).

You’ve now done the lions share of the work leaving only step five:

Do you agree this report is resourceful enough to fulfill the desires of all folks?

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5. Review and revise. The review should be first by the author(s) and then by trusted advisors - the more people that you can get to review your plan the more likely you are to find any problems before they are found by a reader.

Follow the preceding steps and you will have a business plan that will get read and, hopefully, funded. If you have questions about business plans, please feel free to contact me using the below e-mail link.

About the Author

Dave Miller is a business consultant and the creator of FundablePlans.com, an online business plan builder at http://www.fundableplans.com . He can be reached at dave@fundableplans.com .

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Source:

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Dear Applicant,

I appreciate your contacting me about this position. This is a work at home job with no fees involved. You actually will get $10 in your account, just for signing up! I will be honest that you are not going to get rich quick, but with real, viable opportunities this is usually not the case. However, this is an opportunity to make a little money on the side with hardly any work involved. But, the more time and work you do put into this, the more money you can earn.

Let me explain my situation. I am a stay at home mom and writer who was eagerly seeking a work at home job, after several disappointing ventures into this type of business I came across this one. The following will give you an idea of what I do each day and what you will do if you become part of my team. I will promise you this; you will get all the help I can give you on start-up and as part of my team. If you succeed it helps me; it’s that simple.

I would like to take a few moments to tell you a little about the company I work for and what it is that I do.

First of all, let me assure you that you will absolutely NOT be asked to purchase anything or pay a recruiting fee for this job. You are the one that gets paid! Also, this is not a “get rich quick” scheme; so don’t think that you’ll be able to succeed without time and effort.

This is a real job opportunity that requires work. If you are self motivated and willing to receive training you will make money. Some people are too proud and don’t want to be trained and that’s fine, but to make money you will need some guidance to perform this job properly.

O.K. The consequent lines can be like a feather to the cap. Just keep on reading, you’ll discover some more awareness.

So, start off on the right foot and read these instructions in their entirety. Then make your decision whether or not to take this job based on solid information.

Now, if and when you accept this position you will become an Independent Contractor. You will receive a 1099 tax form at the end of the year and the taxes are your responsibility.

The company that you are inquiring is an internet company that gives you the opportunity to make money when you receive emails, and your referrals (two levels). Please note this is not Zwallet.com. The company name is Multiple Stream Marketing in New York dba: hits4pay.com. (Multiple Stream Marketing can be checked out with the better business bureau in New York http://www.bbbnewyork.org/businessreports/Default.aspx).

No doubts about the coherence of this write-up, still the readers are quivery about its advantages.

But, why to discontinue in midway? Go through this till the conclusion to see if it works for you.

The company’s purpose is to share a percentage of advertisement revenues with those who use their services. They do this by paying people like you and me to type/receive emails and to refer others to this service. Plain and simple!
This job is easy and actually, quite fun. This is NOT a Get Rich Quick or any other Work from Home Scam. (Too many of those around!) There is NEVER a fee to pay and the company really does pay you for sending/receiving your own emails. This position is all about recruiting recruiters and training them to do the same.

People who are introduced to this simple and easy job are seeing multiple benefits. They set their own hours. It can be done anytime. You can do it part-time or full-time. And, you don’t have to get dressed up to do the work. People who are working 15-17 hours a week are already receiving checks in the $3,000 range; some are working full time and bringing in much more. Remember this is a job and it needs to be worked like a job and the money will come. I won’t take the time to get into all this right now. But if you decide to accept the position, I will be your personal online trainer and show you how to work this job effectively. Feel free to ask me anything. If I don’t know the answer, I will find out.

Here is a brief explanation of what I do:
1. For one to two hours a day, I simply type responses to emails that I have received, and view other emails that have been sent to my account.
2. I type and place 3-5 ads a day on free advertising sites. Do this every day and the income will be unlimited! Incredible, but it does work.
3. I reply to my inquiries. DO this as soon as possible, preferably within 24 hours of an inquiry.

There are no gimmicks! All you need to do is sign up for membership at http://hits4pay.com/members/index.cgi?kgarlington (or cut and paste this link into your browser). Make sure you use this link to sign up. When you have done this, email me at: kgarlington@hotmail.com and I will give you simple to follow step-by-step instructions on how to get started.

REMEMBER. If you want to get started right away, when you email me, please put in the Subject Line, LET’S GET STARTED! If you simply reply to the first inquiry email, with the job code in your subject line, I might mistake it as a first time reply, and put you in with that file of new applicants (and I get a ton of them every day). You need to get my attention, so I will answer your email first!

You must be very organized to keep this moving, and you will learn to respond to certain subject lines. This job is extremely rewarding if you are willing to work at it. So, unlike I did, DON’T sit there and try to analyze it, just do it!

There are three steps you must take to get started on the right foot, which we’ve compiled in a short, simple to follow “lesson” format.

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If you are looking for an article on Chicago condos, you can easily decide about the applications of the piece of literature. Have a look at this till the conclusion to feel if it works for you.

You see this is NOT unlike Real Estate, Insurance, Mortgage Brokers or any other profession that requires business-building skills; you must be willing to put in the front-end work to get your “pipeline” built. The sooner you do that, the sooner you will see your account numbers grow and similarly, watch your next paycheck grow.

To re-cap:

1) Go to: http://hits4pay.com/members/index.cgi?kgarlington & sign up. (Type”kgarlington” as referral if it asks for it.) Make sure you use this link to sign up.

2) Email me at kgarlington@hotmail.com with Lets Get Started in the subject field and I will send you additional information and training materials in the form of your three-step lesson plan. If you don’t send this to me immediately, it will only delay your start date.

3) Place your 3-5 ads daily and respond to inquiries using training tools provided.

I hope that you find this to be what you are looking for. I urge you to just give it a try. It’s free to sign up. You already read emails so why not get paid for it?

Remember to email me if you decide to accept this position so I can help get you started.

I look forward to hearing from you!

About the Author

at home work

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