Business Plan

A Business Plan is crucial for starting and running your business successfully. Sound business plans can help you get a loan, keep you on track toward your goals, and provide a reference for benchmarking, reviewing results and making adjustments in your business. Don t forget to check out the great free or low-cost training opportunities, plus free professional business counseling, from your local Small Business Development Center!

Sba business plan

How to Write a Business Plan

  • How to Prepare a Business Plan In partnership with SBA, by founder Tim Berry
  • SBA Podcast Creating a Plan -Transcript
  • SBA Videos Other Training many different videos covering many topics including business planning
  • Stategic Planning Executing Kutztown SBDC, PA
  • Developing a small business plan Kutztown SBDC, PA
  • The Business Plan Explained My Own Business tm
  • Developing Successful Business Plans Palo Alto Software
  • Business plans in detailed outline format An extremely detailed outline of what business plans should include, section by section.
  • Guide to Business Plans Pacific Islands SBDC
  • Why Business Plans Don t Get Funded great article on common problems entrepreneurs run into when looking for funding.

Where to Find a Business Plan

  • If you need help developing your plan, please consider Growthink s writers or its simple templates for business plans
  • contains the largest single collection of free sample business plans online, according to them. In addition to that, it has helpful tools and know-how for managing your business. includes practical advice on planning, interactive tools, and a panel of experts who have answered more than 1,400 questions from people like you.
  • Cayenne Consulting good resource for business entrepreneurs including a start-up valuation calculator, resource directory, and a very popular blog for entrepreneurs.
  • VFinance View hundreds of real business plans in pdf format.
  • Business Owners Toolkit Sample business plans and information on how to create a plan.
  • PlanWare Business Planning software and information.
  • Virtual Business Plan Walk through the design of a business plan.
  • SBA Business Planning Guide Careful business planning is fundamental to success. The Small Business Planner includes information and resources that will help you at any stage of the business lifecycle.
  • Small Business Advancement Center
  • Sample Business Plan General Business planning guide created by the Canadian Business Service Center.
  • Business Plans Index A subject guide to sample business plans and profiles for specific business types from Carnegie Library of Pittsburgh.

Business Plan Templates an Alphabetized List

Clicking on each of the templates below will open up a draft for your business that can help you get started. The vast majority of our Sample Business Plans Come from Palo Alto Software, the Makers of Business Plan Pro, whose generosity helps make it possible for you to receive free small business advice and counseling from your local small business development center.

Government Grants

The government grants section has a wealth of articles and advice on how UK small businesses can get a grant from both the public and private sector, along with helpful guides on the different types of business grants and funding available to business owners starting and running a business.

A small business grants guide for 2017

Here, Peter Fleming takes a look at a range of options for funding your business through grants this year.

There are many European and UK-wide government business grant schemes; there are also local business funding schemes provided through Local Enterprise Partnerships (LEPs) or through local authorities and organisations such as the Chambers of Commerce. However there were 512 registered schemes at the last count! So a good place to start your research is on the government website.

Business grants are available at a local and national level and usually sector specific. They offer between £1,000 and £100,000 for SMEs, but funds can be unlimited for larger businesses within EU state aid programmes.

With grants you don’t pay the money back. However, it’s worth noting there will be clawback terms if you falsify claims in respect to expected outputs set by the grant scheme. Therefore, ensure your application is captivating and thorough as it will go through a due diligence process.

Normally there are two stages, submitting an Expression of Interest (EOI) to ensure your business and grant application meets the scope of the grant call and then a full application process whereby you will need to supply, market research, a business plan and at least 1-3 years of financial forecasts.

Throughout the process, you will need to justify there is additionality i.e. not just the reason why you need funding, but by obtaining a grant, how many new jobs you will create, if you’re opening up new markets or export opportunities or that your idea could be a game changer.

It is always worth getting a second opinion regarding the feasibility and strength of your application against the grant objectives and any regional strategic economic plan. Therefore speak to your accountant, a local business adviser or the Growth Hub.

The larger grant opportunities can be competitive and therefore be a long-drawn-out process, taking several months in some cases to receive just an offer. So if you are looking for subsidies and money quickly a grant may not be the right solution for your business.

It is also worth noting if your application is successful, grant moneys are not paid upfront but claimed normally at the back end of the project or even after any intervention is completed.

Therefore you will need to use your own cash reserves and any other funding prior to drawing down the grant money. I have even known businesses take out bridging loans till they have received their grant funds.

Some key areas of your business whereby you could access business advice or a grant;

Business advice and support, whether you are pre-start, a new start or an established business, there are regional Business Growth Hubs across the UK whereby you can obtain free or funded advice. You can normally obtain specialist support to devise a business growth strategy, do market research to create a sales and marketing plan, implement social media management or even get advice on how to apply for further funding.

Note each UK region may have a focus on specific business sectors, business sizes and locations, as eligibility can be even post code specific.

Skills and development government grants

The Skills Funding Agency oversees the current apprenticeship scheme, however on May 1st 2017 the new Apprenticeship Levy scheme starts whereby your business could access subsidised training and development to upskill existing employees to even Master’s degree level.

Many regional Universities, Colleges and further education organisations will be offering a multitude of subsidised short courses or funded degree level programmes which will help you develop your existing staff to be the managers and directors of the future.

If your business is within a rural development area and looking to grow, invest in infrastructure, machinery or seek specialist advice to diversify. Or if your business is involved with forestry and land projects the government have a scheme called LEADER managed through Local Action Groups.

The Carbon Trust Green Business Fund is a new energy efficiency support service for small and medium-sized companies in England, Scotland and Wales.

It provides direct funded support through energy assessments, training workshops, equipment procurement support and up to £10,000 capital contribution towards the purchase of energy saving equipment.

Manufacturing is an area which is increasingly supported through grant schemes. Therefore if you manufacture textiles, specialist tooling, operate in the digital market, within the nuclear supply chain or need support for international trade, or manufacture in many other sectors, there is likely to be a grant scheme that your business can access.

Innovation, Research and Development

Innovate UK, offers support and funding to help businesses develop new products and services and bring them closer to market, this may be to bring people together to share ideas, tackle challenges and make new technological advances.

They targets technologies and areas with the greatest scope to improve business, the economy and society.

Local Enterprise Partnership

For anyone looking for grants at the moment, the go-to people will be their Local Enterprise Partnership (LEP). One of the main functions of the LEPS is to generate economic growth and so many have their own grants programmes.

In addition, most provide some form of business support and advice. As part of the business advice service they collate information on local and national grants and will signpost business owners to the relevant organisations.

Another great source of information is the government ‘Business is Great’ website which has a page dedicated to a number of funds to support innovation.

There is also is an EU tool which does a better job than anything I’ve seen of clarifying what finance is available across the EU including although is does require some persistence in searching to get to the information.

For companies and individuals with ground breaking research which may require significant funding there is also Horizon 2020:

Grant funding is not for everyone but could give your business the boost it needs. Proper preparation, thorough research, getting professional advice and being able to clearly explain why you require your grant funding is more likely to lead to a successful application. And, as a result, help you obtain the financial support for a better, bigger and more profitable business for you.

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ABSOLUTE FACT : There has never been a better time for you to Get into the export Car business then right now, TODAY.

1. It is a car buyers market! The car market in the US is extremely soft so you can now buy cars at incredibly low prices.

2. The devaluation of the dollar has created “cheap” prices for overseas buyers of cars from the USA (up to 50-55% discount in Euros) – they cannot believe the low prices of US vehicles and they want US cars NOW.

3. There is a HUGE demand from overseas buyers for American SUVs, fully loaded pickup trucks and just about every make and model which you can now purchase for very low prices because of dollar’s devaluation.

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Used Car Wholesaler

In order to buy cars for the lowest prices for exporting, you need to buy cars at wholesale auctions. A wholesale dealers license is required to get you in. A wholesale dealer needs a retail location. I have the license and the location is my home.

This 73 page digital manual guides you with complete details and info on obtaining your license and how auctions operate.

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Your first visit to a wholesale auction can be exciting and intimidating! This digital report gives you all the rules that all wholesale auction attendees must follow.

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You’ll learn what the green, yellow, and other color of lights mean about the condition of each car.

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A 120 page report summarizing the import automotive market in over 50 countries. Current market entry and current market trends are reviewed. There is also a rating for each country as to the BEST countries to export to and the types of vehicles that are the hottest!

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Starting A Factoring Broker Business

The factoring business is a trillion dollar industry offering financing solutions to companies throughout the world. Growth is strong both here in the United States and internationally with overall volume increasing 22% last year.

A career in the factoring industry even made the Yahoo™ Top Jobs List a few years back. If anything the need is now even stronger as reflected by the Factoring Volume Statistics published by Factors Chain International for the past 7 years.

Why the Ongoing Demand for Factoring Services?

Banks aren’t known for thinking outside the box. They have rules that limit traditional business loans. This creates a need for alternative financing.

When a business needs cash but doesn’t want to borrow money they can turn to Invoice Factoring. Rather than a bank loan, outstanding invoices are sold at a discount to a factor.

3 Ways to Participate in the Factoring Business

The three main ways to take part in this growing industry are to sell, refer, or invest in accounts receivable.

  • Sell Invoices – Business owners factor accounts receivable to gain access to cash without waiting 30, 60, or even 90 days for payments from their customers.
  • Factoring Broker – Consultants refer deals to the funding companies for a commission.
  • Factoring Company – Factors buy invoices at a discount and earn a fee upon payment.

What Is A Factoring Broker?

Factoring brokers or consultants are industry professionals that bring together factoring companies and businesses that want to sell invoices. The broker locates companies in need of cash, conducts an evaluation to determine a suitable factor, and places the account for a commission.

A broker is able to develop a personal relationship with the client providing a level of personalized service large factoring companies find difficult to provide. Factoring companies benefit by having a greater marketing reach through independent contractors receiving compensation based on results. The broker network, bank lending restrictions, and the sound financial reasoning behind factoring all contribute to the current industry boom.

Brokering accounts receivable deals is a great way to earn while you learn. The benefits include:

  • Flexibility – set your own hours.
  • Reoccurring Income get paid for the lifetime of the customer.
  • Virtual Office – work from a home office.
  • Growth Industry – increasing demand for A/R financing.
  • International Reach – over 50 countries have a strong factoring market especially in the United States, Canada, Europe and China.
  • Low Start-Up Costs – get started for under $500 when you have access to a phone and computer.
  • Investment Potential – take the next step and start factoring small business receivables.

Setting Yourself Up for Success

This industry is pretty straightforward. It really only takes four things to get started:

  1. Industry Knowledge
  2. Sound Marketing Plan
  3. Professional Website
  4. Reliable Funding Companies

You can get a jump-start on marketing and training by visiting our Learn Invoice Factoring page. For a list of broker friendly factors refer to the Directory of Factoring Companies. Need an affordable website that works for you 24/7? Turnkey Factoring Websites can be up in running in as little as 48 hours.

You will also find this collection of articles a great starting point to decide if a career in accounts receivable funding is right for you.

»Getting in the Factoring Business Part 2 Where do you find clients? Can the business be worked part-time? What are the best resources? Get answers to 3 important questions before starting your company.

»How I Run My One Person Factoring Business A look at how Jeff Callender ran his company with no employees using a virtual office.

»Tips for Starting a Small Business Factoring Company From start-up broker to funder, this 20-year veteran shares strategies for investment success and finding value in small invoices.

»How Factoring Brokers Earn Fees Referring deals as a consultant? Here’s a look at common calculations for earning commissions.

»Top 10 Accounts Receivable Factoring Questions How to answer the ten most common questions a business owner will ask when considering a/r funding.

»Learning the Industry Language How to establish credibility, use industry lingo, and avoid 4 common pitfalls when marketing your business.

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CSM Bakery Solutions Announces Plans for Sale of BakeMark Business

News provided by

Apr 05, 2017, 14:30 ET

Share this article

ATLANTA , April 5, 2017 /PRNewswire/ — CSM Bakery Solutions, a global leader in bakery ingredients, products and services, today announced its intention to sell its BakeMark business.

The company has retained Harris Williams Co., an investment banking group, to help facilitate the sale.

The sale is in line with CSM’s strategy to focus on their core business in Europe and North America , according to CSM’s President and CEO Marianne Kirkegaard .

“Since its formation in 1998, BakeMark has operated as a free-standing distribution company and, in that time, built a strong and successful heritage,” she said. “This divestiture will allow us to grow our business in Europe and North America by focusing on our value added bakery products and ingredients portfolio and allow BakeMark, under new ownership, to further strengthen their already strong capabilities and reputation as the industry’s supply and distribution market leader in North America .”

Based in Pico Rivera, California , BakeMark is a wholly owned CSM subsidiary that provides distribution services through a network of 25 distribution centers across the U.S. and Canada . BakeMark delivers a diversified line of products, ingredients and supplies to the food industry under brands that include Westco, Trigal Dorado and BakeSense.

Several weeks ago CSM separated its BakeMark operations from the core business and began operating it as a stand-alone entity with its former leader, Jim Parker , assuming the role of President and CEO. The sale of the business is a logical next step, according to Kirkegaard.

“In BakeMark we have an experienced leadership team that will do very well under new ownership,” she said. “This is the ideal time to make that happen.”

About CSM Bakery Solutions

For More Information, Contact:

Vice President and Chief Communications Officer

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Join the biggest beauty franchise opportunity in Australia

Make people feel and look good, whilst earning an income with Essential Beauty.

Join a thriving network of over 70 salons Australia-wide.

Register Now – For your INSPIRES Information Brochure!

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Why Essential Beauty ?

Essential Beauty has been empowering women and their families since 1990 through the provision of the latest beauty services. Franchising since 2001, we have a slow, steady and sensible approach to expansion whereby we work closely with franchisees to help guarantee success. Read More

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Our Brand System

Our Brand DNA recognises that our customers want to look and feel their very best. As a result, we have adapted our business model over 3 decades of business to suit the needs of our customers.

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The benefits of owning an Essential Beauty franchise are remarkable in such a lucrative and in-demand industry. As innovative retailers of beauty services providing specialised treatments and products, Essential Beauty has earned the bragging rights of being Australia’s. – Read More

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Make people look and feel good, whilst earning an income with Essential Beauty. We invite you to make your dreams a reality with our once-in-a-lifetime beauty salon franchise opportunities.

Imagine, owning your own business, working for yourself on your terms, with all the hard work done for you! Essential Beauty s established business formula will facilitate you in the successful operation of your salon, fast-tracking you to a lifestyle others envy!

With beauty franchises for sale NOW across Australia from New South Wales to Victoria, Queensland, Western Australia and South Australia what are you waiting for? View our salons for sale and don’t miss this beauty franchise opportunity!

We invite you to take a minute to provide us with your details. Once completed, you will receive an email containing our Inspires information brochure with all that there is to know about being a part of our beauty business. Additionally, you will automatically have access to our exclusive franchise newsletter.

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Financial Support Available

To approved purchasers! Finance at normal business rates upon application. Franchisees are required to have 35% of business value (around $75,000).

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Training and Development

Training commences at the beginning of your franchise journey continues with e-learning programs individual hands on training for staff franchisees.

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Mature Business Model

We have been in business since 1990 and franchising 2001! You cannot buy our services online! We have stood the test of time with nearly 30 years of beauty experience.

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In our first 4 months we listed 57 properties

“We signed up £18,000 of commission income in our first month, making an immediate return on our investment.

In our first 4 months we listed 57 properties and £146,321 of potential income.”

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I never imagined becoming an Estate Agent

Well I can honestly say that I never imagined becoming an Estate Agent But EweMove is so different.

It’s all about personal service, caring and providing amazing customer service, which I love. I get goose bumps every time I get a 5 star review! There’s no better feeling.”

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I brought on £14,177 of new sales in one month…

“In my first 6 months, I’d signed up 37 properties. I brought on £14,177 of new sales in one month alone.

What really surprised me was how easy it was. It’s simply a case of copying what they tell you to do and then delivering on your promises to customers.”

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98% of our franchisees would recommend others to buy a EweMove franchise!

Why our customers love our franchisees

Based upon hundreds of independent customer reviews, we’re officially the UK’s best Estate Agent, with a 5 Star rating on TRUSTPILOT

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Fantastic marketing across the internet

From our first meeting with Daniel Jones of EweMove Cheltenham we felt we had made the right decision in choosing his agency to sell our house.

Daniel is personable, knows the local area well and was full of good advice on how to present our house for sale. With his 3D internal shots and classic photos, he put together a nice package.

We felt instantly at ease as this was our first house sale and we needed some guidance.

Due to the fantastic marketing across the internet and other outlets we managed to secure an acceptable offer eight days after going onto the market.”

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We could even call on a Sunday evening

“I would highly recommend using Ian at EweMove Waterlooville!

I could not ask for more professional, kind and caring estate agent

His enquiry team was always available when we needed them and always made us a priority. We could even call on a Sunday evening to get the good news that the house was ours!

I would not use any other estate agents now. Going round houses with a few other agents, we know that EweMove definitely put your needs first and it wasn t all about money!

He genuinely cared and put our needs as top priority.”

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Fantastic sausages, quiches and pies

I thought it only appropriate to let you know how grateful I am for your assistance in letting my property at Clifton Moor at such short notice.

Not only did you turn up the very next morning to photograph the house and measure up, you had it on the market over the weekend and by Monday had two potential new tenants for me. Both of which were ready to move in a.s.a.p.

For me it wasn’t too much of a difficult decision to make over which tenants to pick as the ones I chose have their own independant butchers shop where they have fantastic sausages, quiches and pies… ”

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We’re rated “Excellent” by our customers on

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We’ve had hundreds of 5 star Reviews

“A good place to start is to check your local area to see if it s available. I did a quick enquiry online which gave me all the information I needed to pick my perfect patch”

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Why our franchisees are so successful

Best Estate Agency Franchise 2016 (Sunday Times)

Between 2014 and 2016 we ve scooped Times/Sunday Times Awards for Best Innovation, Best Property Management, Best Estate Agency, Best Website and the Best Estate Agency to Work For Phew!

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We’ve Been Independently Rated as 5 Star

The independent franchise consumer group smith + henderson survey thousands of franchisees and rated us as ‘5 Star’

The only Estate Agent ever to achieve this accolade

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All of Your Support and Training is Free

It includes Induction Training, Monthly Success Summits, Business Boot Camps, Bi-Annual Conferences and over 40 specialist training days…

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No Estate Agency Experience Required

Hardly anybody in our business has worked in the sector. All you need to be is a nice “People Person” and someone who delivers on what they promise.

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You Don t Have the Cost Burden of an Office or Staff

We provide most of your office support, freeing you up from the burden of expensive rent/rates and wages. Your entry costs and risk is far lower as a result.

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Incredibly High Profit Potential

With low overheads and by charging premium fees, there’s enormous profit potential. Our top performers generate sales well in excess of £100k each year

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To discover how you too could build a 6-figure estate agency business with EweMove, request your free information pack now

It s hard to know which is the best franchise. Smith+Henderson take away that risk. Each year they independently survey thousands of franchisees. Discover what they found out about EweMove

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Plan Outline

Jolly’s Java and Bakery

Bakery business plan

Bakery business plan

Executive Summary

Jolly’s Java and Bakery (JJB) is a start-up coffee and bakery retail establishment located in southwest Washington. JJB expects to catch the interest of a regular loyal customer base with its broad variety of coffee and pastry products. The company plans to build a strong market position in the town, due to the partners’ industry experience and mild competitive climate in the area.

JJB aims to offer its products at a competitive price to meet the demand of the middle-to higher-income local market area residents and tourists.

JJB is incorporated in the state of Washington. It is equally owned and managed by its two partners.

Mr. Austin Patterson has extensive experience in sales, marketing, and management, and was vice president of marketing with both Jansonne Jansonne and Burper Foods. Mr. David Fields brings experience in the area of finance and administration, including a stint as chief financial officer with both Flaxfield Roasters and the national coffee store chain, BuzzCups.

The company intends to hire two full-time pastry bakers and six part-time baristas to handle customer service and day to day operations.

JJB offers a broad range of coffee and espresso products, all from high quality Columbian grown imported coffee beans. JJB caters to all of its customers by providing each customer coffee and espresso products made to suit the customer, down to the smallest detail.

The bakery provides freshly prepared bakery and pastry products at all times during business operations. Six to eight moderate batches of bakery and pastry products are prepared during the day to assure fresh baked goods are always available.

The retail coffee industry in the U.S. has recently experienced rapid growth. The cool marine climate in southwest Washington stimulates consumption of hot beverages throughout the year.

JJB wants to establish a large regular customer base, and will therefore concentrate its business and marketing on local residents, which will be the dominant target market. This will establish a healthy, consistent revenue base to ensure stability of the business. In addition, tourist traffic is expected to comprise approximately 35% of the revenues. High visibility and competitive products and service are critical to capture this segment of the market.

JJB expects to raise £110,000 of its own capital, and to borrow £100,000 guaranteed by the SBA as a ten-year loan. This provides the bulk of the current financing required.

JJB anticipates sales of about £491,000 in the first year, £567,000 in the second year, and £655,000 in the third year of the plan. JJB should break even by the fourth month of its operation as it steadily increases its sales. Profits for this time period are expected to be approximately £13,000 in year 1, £36,000 by year 2, and £46,000 by year 3. The company does not anticipate any cash flow problems.

Bakery business plan

Bakery business plan

1.1 Mission

JJB aims to offer high quality coffee, espresso, and pastry products at a competitive price to meet the demand of the middle- to higher-income local market area residents and tourists.

1.2 Keys to Success

Keys to success for JJB will include:

Bakery business plan

Bakery business plan