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A business plan is a written description of your business's future, a document that tells what you plan to do and how you plan to do it. If you jot down a paragraph on the back of an envelope describing your business strategy, you've written a plan, or at least the germ of a plan.
You're not at a loss just because you have poor credit. Regardless of your score, high-risk credit-card processors are willing to help get your business started so you can build equity. As long as you read and understand the fine print, high-risk credit cards can provide quick access to extra funds for vendor or employee payments.