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Business plans are inherently strategic. You start here, today, with certain resources and abilities. You want to get to a there, a point in the future (usually three to five years out) at which time your business will have a different set of resources and abilities as well as greater profitability and increased assets. Your plan shows how you will get from here to there.

Know your credit score before you go to the bank or credit union to apply. Your score will affect your chances of getting the loan as well as lenders' willingness to back you. That's important as you think ahead to financing your day-to-day operations. Do you intend to let your customers pay by credit card. Is your bank willing to cover that risk.

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