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But don't confuse simple wording and formats with simple thinking. The reason you're keeping it simple isn't because you haven't developed your idea fully. You're keeping it simple so you can get your point across quickly and easily to whoever's reading it.
Depending on your situation, you might be able to secure a loan or even exercise the option to take on several at the outset. Any type of assistance depends on credit approval, and your credit approval depends on your credit score. There are no guarantees when you apply for a private or small-business loan.