I'm not going to waste your time talking about the importance of a good business plan because I'm not a big fan of preaching to the converted. If you are reading this website, chances are you one of the people who understand that you can't be successful if you don't plan for it.

Instead, I'll let you in on a secret. Tell me, do you know what a business plan has to do with a business loan?

Hint: It's not about getting a loan from a bank.

Well, actually it is about a loan. And if you ever need outside investment, you must have a solid business plan. But that's not all there is to it. There is another reason why you need a business plan good enough to make any banker approve a loan for you, even if you don't need the money.

Let's say you've created a business plan. How do you know that it's good? How can you be sure that you actually have a working model that is likely to succeed?

Here is a good way to look at it (it's a real light bulb moment for many people): if a plan is good enough for the bankers, then it's definitely good enough for your business. Showing your business plan to a banker is actually one of the best ways to test it. Bankers have a lot at stake when lending you money, and they have more experience than anyone else because they have almost unlimited amount of "case studies". They have seen the business plans of their past customers and the outcomes of those plans -- did the customer pay back or bankrupt.

Additionally, bankers are among the most conservative types of people when it comes to lending money. If a banker agrees that your business plan is good enough for them to risk their money, then it truly is a good plan.

As a matter of fact, if I were starting a new business right now, I would take my business plan to a couple of bankers, even though I don't need any funding. A good banker will actually point out the flaws in your plan that you probably never even thought about, since they look at a business model from a very different perspective than a business owner does.

What are your alternatives when it comes to evaluating a business plan?

Your friends might lie to you because they don't want to hurt your feelings. The members of local chamber of commerce might not care enough about telling your the truth. But a banker will never say that your business plan is good if it's not. Or rather a banker will never put his/her money where their mouth is if they are not really thinking that your plan will succeed.

As far as friends and family go, you can do a little test to see just what I mean. Ask someone to look over your business model and tell you what they think. Once they say that everything is great and you are definitely going to succeed, ask them to take out a loan on the equity of their house and invest that money into your business in a form of a loan. Tell them you'll pay them a substantially higher interest rate than what they would be paying their bank when taking out that equity loan, so they'll be making money. But explain to them that if your business goes under, your debt to them goes with it.

The look on their faces at that precise moment will make it all clear to you. And if you are in the mood for some fun, just hold a long pause and listen to the excuses they come up with why they can't fund your super successful business idea which, in their opinion, is practically guaranteed to generate millions to everyone involved.

On the other hand, your loved ones might be too cautious for your wellbeing and will reject even the most brilliant business plan. That's a real problem too.

They might pick on non-existent flaws and blow them out of proportion. In their head, they could be thinking that they are protecting you and that it's always better to overstate possible difficulties than to underestimate them. That's usually the case when said friends or relatives don't own their own businesses. I don't know why that happens, but I see this every day.

Such comments from people close to you are sometimes enough to frighten even the most brave entrepreneur into a complete halt, and kill your business before it's even started.

Of course, you should consult your friends and family, but don't rely on their feedback too much. They won't tell the truth not because they want to hurt you (quite the opposite), but simply because that's the way people are.

What about your local chamber of commerce?

Well, since I've been frank with you so far about everything else, there is no reason to stop now. So here it goes. Sometimes chamber of commerce folks are like PTA moms who would engage and support almost anything that sounds positive just for the sake of being positive.

Such attitude is great for school meetings and for supporting kids, but that's not how affairs should be handled in the grown-up world when it comes to your business and your financial future.

And it's not like you are risking their money. So if you fail, they'll just put on a sad face and wish you better luck the next time. Yes, it's as ridiculous as that. And it's like that at almost all local chambers I've ever encountered throughout the country.

Think about it for a minute. Why do people offer help in chambers of commerce or local business group meetings?

There are basically two types of people you'll encounter there: those who network soliciting their services and those who are there just to have fun.

The former type will support anything as long as there is a chance you'll become their customer or client in some capacity. At first, you might not care if the chair of the local meeting happens to be, say, a business accountant. But you better start to question their motives for commending your business plan if it's understood that you should reciprocate for the "valuable advice" they'd given you and become their client once your business is opened. See how this works?

As for the latter type of people frequenting such meetings, being on the board is just a thing they do -- a past time or leisure time if you will. Some people go to ball games, some go to book clubs, and others attend chamber of commerce meetings.

Such folks seem to be honestly enjoying giving advice and feeling like an elder (business wise) member of a community. Never mind if the advice is good or not -- giving it certainly makes them feel knowledgeable.

I know it sound a bit rough, but this is the truth of what's out there -- from one business person to another. I believe it's better to be honest when talking about something as important as your business and not sugarcoat the reality.

Another alternative is to seek out help of a business consultant.

While a good business consultant might do wonders for your business, here is my stand on this when it comes to small businesses:

Applying for a loan is cheaper than hiring a consultant to review your business plan. A bank will not require you to pay them thousands of dollars to look at your business plan, a consultant will.

Sometimes, a business consultant will make some cosmetic changes to your plan and will tell you that you are good to go. A business consultant gets paid whether your business succeeds or fails, but a banker gets in trouble if he or she approves your application and you default on your payments later on. Get the point?

You might think "Oh, creating a business plan that would pass the banker-check is too much work."

But you know what? If that thought crossed your mind, then tell me what are you options?

You simply cannot afford to be lazy when planning your business. And that's not just an empty phrase. As a matter of fact, you'll be better off being lazy later on when implementing the steps in the plan than being lazy while creating it -- if you have to be lazy at all.

US Small Business Administration statistics show that last year an estimated 671,800 new small businesses were created. At the same time 544,800 went out of business "voluntarily", and 39,201 ended up filing for bankruptcy protection. Of those that went under, majority were newly established businesses that only lasted one to three years.

How many of them didn't bother to prepare a good business plan?

Ask yourself, do you want to expand a relatively small amount of effort creating a good plan and then execute it step by step or do you want to go ahead without much planning and risk putting in long hours day after day, year after year just to file for bankruptcy 3 years from now?

You need a good business plan. There is just no way around it, and the sooner you accept it the better. Besides, as with anything else, getting started is always the hardest part. Actually "doing" is much easier than "thinking" and worrying about how hard "doing" is going to be. Once you've began working on formulating your business plan's structure, it gets easier very quickly.

Besides, truth is, it's not that much work if you know what you are doing, but more on this later.

For now, I want to shift your attention to business loans for a minute.

At this point, you might be unsure if you even need a business loan, let alone preparing a business plan bankers want to see to give you that loan.

Consider the reason why most small businesses fail.

There is an old simplified concept of growing a business. Everyone knows it and a lot of small business owners (mistakenly) live by it.

- buy one unit for $1 and sell it for $2
- take that $2 and buy two units and sell them both for $4
- repeat

And that's how you supposedly grow your business.

The problem with such approach is that life is too short. Not to mention, you have living and business expenses that take a big chunk of the profit when you operate on a small scale.

In real life, it would be more like this:

- buy one unit for $1 and sell it for $2
- take that $2 and buy two units and sell them both for $4
- pay $3 worth of bills you have accumulated (hopefully enough to cover your salary)
- now, you are back to having $1 to buy one unit

So you are stuck in a loop, and the only way you can grow your business is if you deny yourself a decent salary and try to cut corners on anything and everything for a very long time. In other words, be miserable.

More importantly, cutting corners makes it even harder to succeed. If you can't hire top quality employees (who really care) or buy good advertising spots, and if you have to sacrifice the look-and-feel of your business location to save money, then you won't sell as much as you could, which would slow you down even more. Customers can see all that money-saving no matter how hard you try to hide it, and it makes them cautious and less likely to buy from you.

The truth is, with a small volume of a startup business, that hypothetical $3 worth of bills consists mostly of fixed costs. So if you could operate on 1000's of units instead of one right from the start, your revenue would be much greater than the bills you would have to pay at the "end of the day". You would truly begin to grow your business right away instead of being stuck in a loop.

Having a good business plan that makes you "loan ready" offers you another important benefit.

If you are in a tough spot right now and need money to avoid having to shut down your business, then you already know what I'm about to say.

But what if all seems well now, but in the future you end up with a serious cashflow problem on your hands?

Keep in mind, I'm not just talking pure negative here. A temporary shortage of cash for operating expenses is not always a result of mismanaging a business or bad market conditions. A lot of times, quick growth of a business puts just as much stress on your wallet as a failure. I've seen companies go out of business because they've began expanding too fast, yet didn't have a way of bringing more money in quickly.

It's not a pretty sight when your vendors stop supplying you because you can't pay them right this minute (and your credit line is over-extended) all while your marketing campaigns are bringing you more business that you can handle. You can't stop promotions because you would then lose the momentum, and the share of the market you've heated up will become an easy catch for your competitors. Think that only applies to medium and large businesses? Think again. This happens to mom-and-pop shops all over the country. Nobody writes about it in newspapers because the impact seems small, but it happens every day.

I think losing a business in such circumstances is even more saddening than losing a business by failing in a conventional sense.

On a less dramatic note, what if life goes on as usual and one day you stumble upon a great opportunity for your business and you need money right away? Are you going to look into bank loans only then and waste the time you could have used to actually exploit that opportunity? What if that opportunity is gone by the time you have the money because it took you 6 months to finally "fabricate" a "new" business plan (for the old business) that lets you get a loan?

If you don't need money now, you still must have a way of getting a loan quickly if you ever need it in the future. And if your business is planned and structured to appeal to bankers right from the start, you'll be able to get a loan much quicker. Not only you'll have a plan ready, but your business will have been built from the ground up to be appealing to the bankers, and they can sense it.

There are some facts over which you don't have control or at least things you can't influence quickly, like your personal credit history. But a good business plan with so-so credit history is just as likely to get you a loan as a bad plan with great credit history. With good plan and bad credit, you'll probably pay a bit higher interest rate, but with a bad plan you might not get a loan at all, no matter how great your personal credit history is.

Also, when writing a plan for a banker, you'll be forced to change your priorities and that will open your eyes in more ways than you can imagine. Oftentimes, the things you begin to notice are so profound that you get amazed at how you could possibly succeed without taking them into account.

I'm sure you've noticed how some people seem to be able to succeed in record time while the rest of small business owners struggle for years (sometimes decades) to build up their businesses one tiny step at a time. For most people, running a business involves working long hours, being constantly stressed out about making ends meet and always busy dealing with problems and obstacles that seem to pop out of nowhere every single day.

The real life of a typical small business owner is very different from its public perception, but you probably already know this.

What you might not know is that starting a business or expanding an existing small business doesn't mean you have to endure this hardship. The modern banking system made sure of that, but many small business owners simply don't realize it.

For the bankers, money is their product and they must sell it just like you must sell your products or services in order to keep your business running. They can't just sit on their money and do nothing.

Banks spend millions advertising their products in hopes that you would take them up on their offer.

And what's in it for you?

What if you could get a loan of only $50,000? Think of how much faster you would be able to achieve the business goals you have in your mind right now.

And what if you could get a loan of $200,000? Think of how much more resources you would have at your disposal. You could hire more people, buy more inventory, spend more on advertising -- right from the start. Remember the loop of $1 to $2 we talked about? You can skip that right from the start.

What would take you years to achieve with your own limited cash reserves, could take you only months to do when you have the money you need to implement your strategies at full speed.

Have you ever come across a great opportunity to move your business forward, but passed on it simply because it was out of your league? (I hear about this all the time. It's the most common sad story of a small business owner.) It could have been a great discount on price of the merchandise if you could just buy greater volume -- but you could not. It could have been a full-page ad in a local newspaper that would bring you loads of new customers and make your business instantly known to everyone in the area, but you just couldn't afford it. Opportunities like that would really propel your business to a new level, but you simply didn't have the money on hand to do it.

And it always seems that doing business is much easier on that level than where you are now. So you say to yourself that one day, you'll take advantage of those opportunities, just not today because you simply can't afford to play with the big dogs... yet. Well, the truth is, doing business on that level seems easier because it really is easier.

Once you get out of this "small-timers loop", you will have more and more money left over at the end of each month. And you will be able to perform transactions of ever increasing magnitude. You will buy more inventory, hire more people, spend more on advertising which in turn will bring you more profit. Your business will be in the winner's spiral instead of being in the loser's loop.

As I said, some people seem to really hit it big right away -- why is that? It's because they jump to that higher level of doing business right away. And that's not about luck, it's a choice.

You too have a choice. You can spend the next 30 years trying to build your business slowly (while living in what feels like poverty) or you can get a business loan, use it to jump-start your business to a much higher level, pay off the loan in a few years, and become an owner of a successful business with a substantial revenue.

How old are you now?

Take that number and add 30 to it.

Do you want your company to be a success when you are that age by doing business "the old-fashion way"? Or would you rather be a successful business owner, say, 5 years from now by using the benefits of the modern financial system?

Savvy business people don't waste decades of their time trying to become successful on their own. They use banker's money to fast-forward their business lives to the point of being successful. Most success stories you hear about have some kind of financial backing behind them. This is why you need a solid business plan that lets you get the financial support needed to achieve success quicker than you could have done on your own dime.

Preparing a business plan that lets you get a business loan quickly if and when you need it is what my guide is all about.

My what?

Luckily, your position is not unique. As I already mentioned, there are well over six hundred thousand new businesses started each year in the USA. And a lot of new business owners realize that they don't want to endure decades of hard labor by doing things the old way and instead want to utilize business financing that is available to us all.

So at some point, I became overwhelmed with consultation requests and decided to make my knowledge available to everyone who needs it without having to wait for when I have an open spot for them.

The most natural way to do so was to write a guide that would contain all my insight into the art and science or creating a business plan that is specifically designed to help you get money from the bank. I called my book simply "Business Plan For Business Loan" because that's precisely what it's about.

Instead of charging thousands of dollars for consultations, my guide sells for only $49, which is orders of magnitude less yet provides you with essentially the same information.

By offering you the vital basics of what must be done so you don't have to discover them on your own, my guide is a sweet spot between do-it-all-yourself mentality of people who don't value their time and waste it learning things they don't need to know to run a business and those on the other end of the spectrum who throw money away on over-priced consultants when frankly it's not required. My guide let's you create a great business plan while spending the minimum amount money and the minimum amount of time. In short, it's for the people who are not into extremes and always seek the most logically reasonable solution.

Business Plan For Business loan makes the process of writing a great business plan fast, easy and cheap. As a businessman, I value those qualities, and I believe you do to.

Here is the table of contents of my guide. As you can see, I've covered all the essentials you need to know to make the bankers want to give you money for your business.

The book is written in plain and simple language, not financial gibberish that would require studying finance to understand. I've written it as a help guide from one business person to another and made sure that it's an easy read because we both know that you have more than enough other things you need to concentrate on. There is no need to make this complicated too.

Business Plan For Business Loan is only 45 pages long. It's enough to cover what you need to know in great detail, but at the same time it doesn't contain hundreds of pages of useless fluff some authors like to include in their books to make themselves feel like good writers. I made sure not to include the information a typical business owner doesn't need, yet didn't skip a single important step in the process.

After all, would you rather spend your time quickly discovering just what you need and working on your business or read about history of business banking and other boring stuff which is pretty much useless to a practical business owner?

On top of that, I only distribute it in a digital form. It's a PDF file you can download onto your computer, save it, view it, and even print it out if you want. This means you'll get my book instantly and will be reading it in just a couple of minutes from now. There is no delivery time frame (or shipping cost for that matter), which makes it the most efficient and smart way to acquire knowledge.

Even though $49 is not a lot of money considering how much good my book can do for your business, still I'm sure you don't want to risk a possibility of simply throwing that money away. I know I wouldn't. And no matter how much you agree with what I've written above on this webpage, there is no way for you to be sure that my guide will help you until you've read it.

I understand all that and talk about it openly because I'm a realist, and I hope that you are too. So I'm going to make you a specific promise to assure you that my book contains the information that will most definitely help you.

No matter what type of business you are in, after reading my book (which won't take you more than an hour) you'll not only know everything you need to know to write a good plan and get a loan, but you'll also have a clear vision of how to proceed right that minute -- if not, contact me and I'll give you your money back without any fuss or questions.

If you were procrastinating before, that will all be gone because you'll have amazingly clear vision of all specific steps you need to take. Procrastination is often caused by uncertainty, and that's what my guide will eliminate.

As a matter of fact, most people tell me that they feel really eager to start writing their business plan before they even finish reading the book because it all starts to look so simple and doable.

If that doesn't happen to you for whatever reason, I'll give you your $49 back -- no hard feelings.

Based on my experience, this is not likely to happen, but I want you to know that you always have this option. And even though it won't take you more than an hour to read my guide, I give you two months from the day you order to decide if your money is well spent or not. Such time frame is more than enough to write a plan, get a loan, and possibly even start making profit with the money from that loan.

I give you two months to test my word because I don't want you to feel pressured once you've ordered. This is about respect for a fellow business person more than anything else. So you have nothing to worry about.

Order the Business Plan For Business Loan on our secure server and download instantly for only $49!

	Sincerely,
	Steve Curvey steve@businessplanforbusinessloan.com www.BusinessPlanForBusinessLoan.com

P.S. If you need any help with your order or if you have any questions then don't hesitate to call me at 302-476-2625. Just ask for Steve.

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