{"id":959,"date":"2015-05-07T15:35:21","date_gmt":"2015-05-07T15:35:21","guid":{"rendered":"https:\/\/courses.candelalearning.com\/masterybusiness1xngcxmaster\/?post_type=chapter&#038;p=959"},"modified":"2024-05-03T15:36:43","modified_gmt":"2024-05-03T15:36:43","slug":"reading-create-your-business-plan","status":"publish","type":"chapter","link":"https:\/\/courses.lumenlearning.com\/wm-introductiontobusiness\/chapter\/reading-create-your-business-plan\/","title":{"raw":"Create Your Business Plan","rendered":"Create Your Business Plan"},"content":{"raw":"<div class=\"textbox learning-objectives\">\r\n<h3>Learning Outcomes<\/h3>\r\n<ul>\r\n \t<li>List the components of a business plan<\/li>\r\n \t<li>Briefly describe the components of a business plan<\/li>\r\n<\/ul>\r\n<\/div>\r\n<img class=\"alignright wp-image-8656\" src=\"https:\/\/s3-us-west-2.amazonaws.com\/courses-images\/wp-content\/uploads\/sites\/143\/2016\/11\/17201759\/3183484673_52c5c948de_o.jpg\" alt=\"decorative image \" width=\"351\" height=\"263\" \/>\r\n\r\nThe SBA recommends prospective entrepreneurs address the following nine elements in their business plan:\r\n<ol>\r\n \t<li style=\"font-weight: 400;\">Executive Summary<\/li>\r\n \t<li style=\"font-weight: 400;\">Company Description<\/li>\r\n \t<li style=\"font-weight: 400;\">Market Analysis<\/li>\r\n \t<li style=\"font-weight: 400;\">Organization &amp; Management<\/li>\r\n \t<li style=\"font-weight: 400;\">Service or Product Line<\/li>\r\n \t<li style=\"font-weight: 400;\">Marketing &amp; Sales<\/li>\r\n \t<li style=\"font-weight: 400;\">Funding Request<\/li>\r\n \t<li style=\"font-weight: 400;\">Financial Projections<\/li>\r\n \t<li style=\"font-weight: 400;\">Appendix<\/li>\r\n<\/ol>\r\nThe SBA provides two example business plans for reference: <a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/2017-09\/Sample%20Business%20Plan%20-%20We%20Can%20Do%20It%20Consulting.doc\" target=\"_blank\" rel=\"noopener\">consulting firm example business plan<\/a> and <a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/2017-11\/Sample%20Business%20Plan%20-%20Wooden%20Grain%20Toy%20Company.doc\" target=\"_blank\" rel=\"noopener\">toy manufacturer example business plan<\/a>.\r\n\r\nNote that the length and depth of business plans vary depending on the audience and objective. For example, a business owner(s) seeking a traditional bank loan will likely need a more detailed plan. An alternative is the lean business plan, which PaloAlto Software and BPlan founder and CEO Tim Berry claims can be completed in an hour. The process and timeframe are probably more applicable to a seasoned entrepreneur, but it may be worth reading Berry\u2019s <a href=\"https:\/\/www.sba.gov\/blogs\/fundamentals-lean-business-planning\" target=\"_blank\" rel=\"noopener\">Fundamentals of Lean Business Planning<\/a> blog post to see if it\u2019s a fit. There are a number of one page business plan templates freely available online; to view a range of options, conduct an image search on \u201cone page business plan template.\u201d A final approach for consideration is venture capitalist Guy Kawasaki\u2019s 10\/20\/30 formula: 10 slides, 20 minutes, 30 point font. In those 10 slides, Kawasaki recommends eliminating pitch-speak and focusing on the topics that matter to a VC:\r\n<ol>\r\n \t<li style=\"font-weight: 400;\">Problem<\/li>\r\n \t<li style=\"font-weight: 400;\">Your solution<\/li>\r\n \t<li style=\"font-weight: 400;\">Business model<\/li>\r\n \t<li style=\"font-weight: 400;\">Underlying magic\/technology<\/li>\r\n \t<li style=\"font-weight: 400;\">Marketing and sales<\/li>\r\n \t<li style=\"font-weight: 400;\">Competition<\/li>\r\n \t<li style=\"font-weight: 400;\">Team<\/li>\r\n \t<li style=\"font-weight: 400;\">Projections and milestones<\/li>\r\n \t<li style=\"font-weight: 400;\">Status and timeline<\/li>\r\n \t<li style=\"font-weight: 400;\">Summary and call to action<\/li>\r\n<\/ol>\r\n<div class=\"textbox tryit\">\r\n<h3>Practice Question<\/h3>\r\nhttps:\/\/assess.lumenlearning.com\/practice\/ac181cae-25e1-47de-980e-e94ca9b5521a\r\n\r\n<\/div>\r\n<h2>Understanding the Components of Business Plans<\/h2>\r\nAlthough terminology and formats differ, most business plans include the same key ingredients. Let\u2019s drill down into the elements SBA recommends:\r\n<h3>Executive Summary<\/h3>\r\nBriefly summarize what you do (Product or Service) for whom (Target Market) and what will make you successful. Elements to include: mission statement, management and organizational structure highlights, intended location, and scale of operation. If you\u2019re seeking financing, include summary-level financial information and growth projections.\r\n<h3>Company Description<\/h3>\r\nIn this section, provide a more detailed description of your company, including the opportunity (aka, market problem addressed) and your solution. Be specific in identifying your target market, including a description of the consumer profile or list of target businesses or organizations. This is where you detail your competitive advantage, including management expertise and\/or product, process, or other differentiators.\r\n<h3>Market Analysis<\/h3>\r\nThis is where the rigor of your research pays off. Use this section to summarize your understanding of the economy, industry, your target market, and related trends and developments. This is also where you would incorporate competitive research, including success factors and what your positioning and value proposition will be relative to competitors. For perspective on competitive mapping, see the links to sample analyses below:\r\n<ul>\r\n \t<li style=\"font-weight: 400;\">Business News Daily.com: <a href=\"https:\/\/www.businessnewsdaily.com\/5446-porters-five-forces.html\" target=\"_blank\" rel=\"noopener\">Porter\u2019s Five Forces: Analyzing the Competition<\/a><\/li>\r\n \t<li style=\"font-weight: 400;\">Simplicable\u2019s <a href=\"https:\/\/simplicable.com\/new\/competitive-map\" target=\"_blank\" rel=\"noopener\">3 Examples of a Competitive Map<\/a><\/li>\r\n \t<li style=\"font-weight: 400;\">Harvard Business Review\u2019s <a href=\"https:\/\/hbr.org\/2007\/11\/mapping-your-competitive-position\" target=\"_blank\" rel=\"noopener\">Mapping Your Competitive Position<\/a><\/li>\r\n<\/ul>\r\n<h3>Organization &amp; Management<\/h3>\r\nIn this section, describe your legal structure (e.g., sole proprietor, partnership, corporation) and introduce yourself and management team or advisors, if applicable. You may also want to elaborate on any related points or motivations such as a social impact or sustainability orientation. If applicable, include an organizational chart so readers can visualize who\u2019s in charge of what functions.\r\n\r\nYou may also want to include key accomplishments to illustrate what specific expertise each person brings to the team. Key management resumes can be included in the Appendix.\r\n<h3>Service or Product Line<\/h3>\r\nUse the product or service section to detail your offerings and any market differentiators, such as copyrights or patents. Explain what benefit your product or service delivers to your customers, in particular relative to competitive offerings. If applicable, highlight quality and\/or process or material supply certifications and any other points that influence purchase decisions or reduce business risk.\r\n<div class=\"textbox examples\">\r\n<h3>Clif Bar<\/h3>\r\nClif Bar is a case study in using sustainability as a business strategy and competitive differentiator. For perspective, read UC Davis\u2019 <a href=\"https:\/\/gsm.ucdavis.edu\/event\/clif-bar-raises-bar-sustainability\" target=\"_blank\" rel=\"noopener\">Clif Bar: Raises the Bar on Sustainability<\/a> write-up of Clif Bar President and Chief Operating Officer Kevin Cleary\u2019s Dean\u2019s Distinguished Speaker presentation. Research and development activities and any related funding should also be detailed in this section.\r\n\r\n<\/div>\r\n<h3>Marketing &amp; Sales<\/h3>\r\nIn a world where consumers are overwhelmed by choices, you can\u2019t expect a better product or service to win on merit alone. Your task in this section is to describe your plan to bring your product or service to market. You should also detail how the sales will happen so related costs and technology can be factored into your financials. The complexity of your marketing activities and sales process (and corresponding sales lead time) will depend on your product or service.\r\n<div class=\"textbox key-takeaways\">\r\n<h3>Learn More<\/h3>\r\nFor a general perspective, see Fitsmallbusiness.com\u2019s <a href=\"https:\/\/fitsmallbusiness.com\/sales-funnel-templates\/\" target=\"_blank\" rel=\"noopener\">Sales Funnel Templates, Definition &amp; Stages<\/a> article. The approach that works for you will depend on your business and your nature. The good news is technology has made a range of low-cost options available.\r\n\r\nFor a dose of marketing perspective and creative inspiration, read Creative Guerilla Marketing\u2019s <a href=\"http:\/\/www.creativeguerrillamarketing.com\/what-is-guerrilla-marketing\/\" target=\"_blank\" rel=\"noopener\">What is Guerilla Marketing<\/a> article.\r\n\r\n<\/div>\r\n<h3>Funding Request (if applicable)<\/h3>\r\nIf you\u2019re using your business plan to request funding, this section is where you\u2019ll detail your funding requirements and the intended use of those funds over the next five years. The SBA recommends specifying whether you\u2019re asking for debt or equity financing and your desired terms, including interest rate and time period. Provide an explanation of the funding need\u2014for example, to cover operating expenses while building a revenue pipeline. Finally, state your future strategic plan, whether it\u2019s paying off debt or selling the business.\r\n<h3>Financial Projections<\/h3>\r\nA business plan is nothing without numbers, and financial statements should be prepared regardless of whether you\u2019re requesting funding or using your business plan as proof of concept. Projections should cover a five-year period and include a financial outlook summary as well as forecasted income statements, balance sheets, cash flow statements, and capital expenditure budgets.\r\n\r\nThe SBA advises using more detailed (quarterly or monthly) projections for the first year. This level of detail also serves as a reality check and early warning for you as a business manager as you implement your plan. If your business is an ongoing concern, include actual income statements, balance sheets, and cash flow statements for the last three to five years. If you have other assets you\u2019re prepared to offer as collateral, list them in this section. Review your projections and funding request details to make sure the narrative and numbers are in sync. This section runs the risk of becoming a blur of numbers without significance. Be thoughtful and creative (with your design, not the numbers) in order to present your financials in a clear and compelling manner.\r\n<h3>Appendix<\/h3>\r\nThe Appendix is used to provide supporting detail and provide any other relevant or requested documentation. The SBA lists the following common items to include: credit histories, resumes, product pictures, letters of reference, licenses, permits, or patents, legal documents, and other contracts.\r\n<h2>Resources<\/h2>\r\n<a href=\"https:\/\/www.sba.gov\/tools\/business-plan\/1\" target=\"_blank\" rel=\"noopener\">SBA\u2019s Business Plan Tool<\/a> (registration required)\r\n<div class=\"textbox tryit\">\r\n<h3>Practice Question<\/h3>\r\nhttps:\/\/assess.lumenlearning.com\/practice\/3d240522-ca08-4a1a-8bf7-70653225293d\r\n<\/div>","rendered":"<div class=\"textbox learning-objectives\">\n<h3>Learning Outcomes<\/h3>\n<ul>\n<li>List the components of a business plan<\/li>\n<li>Briefly describe the components of a business plan<\/li>\n<\/ul>\n<\/div>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-8656\" src=\"https:\/\/s3-us-west-2.amazonaws.com\/courses-images\/wp-content\/uploads\/sites\/143\/2016\/11\/17201759\/3183484673_52c5c948de_o.jpg\" alt=\"decorative image\" width=\"351\" height=\"263\" \/><\/p>\n<p>The SBA recommends prospective entrepreneurs address the following nine elements in their business plan:<\/p>\n<ol>\n<li style=\"font-weight: 400;\">Executive Summary<\/li>\n<li style=\"font-weight: 400;\">Company Description<\/li>\n<li style=\"font-weight: 400;\">Market Analysis<\/li>\n<li style=\"font-weight: 400;\">Organization &amp; Management<\/li>\n<li style=\"font-weight: 400;\">Service or Product Line<\/li>\n<li style=\"font-weight: 400;\">Marketing &amp; Sales<\/li>\n<li style=\"font-weight: 400;\">Funding Request<\/li>\n<li style=\"font-weight: 400;\">Financial Projections<\/li>\n<li style=\"font-weight: 400;\">Appendix<\/li>\n<\/ol>\n<p>The SBA provides two example business plans for reference: <a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/2017-09\/Sample%20Business%20Plan%20-%20We%20Can%20Do%20It%20Consulting.doc\" target=\"_blank\" rel=\"noopener\">consulting firm example business plan<\/a> and <a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/2017-11\/Sample%20Business%20Plan%20-%20Wooden%20Grain%20Toy%20Company.doc\" target=\"_blank\" rel=\"noopener\">toy manufacturer example business plan<\/a>.<\/p>\n<p>Note that the length and depth of business plans vary depending on the audience and objective. For example, a business owner(s) seeking a traditional bank loan will likely need a more detailed plan. An alternative is the lean business plan, which PaloAlto Software and BPlan founder and CEO Tim Berry claims can be completed in an hour. The process and timeframe are probably more applicable to a seasoned entrepreneur, but it may be worth reading Berry\u2019s <a href=\"https:\/\/www.sba.gov\/blogs\/fundamentals-lean-business-planning\" target=\"_blank\" rel=\"noopener\">Fundamentals of Lean Business Planning<\/a> blog post to see if it\u2019s a fit. There are a number of one page business plan templates freely available online; to view a range of options, conduct an image search on \u201cone page business plan template.\u201d A final approach for consideration is venture capitalist Guy Kawasaki\u2019s 10\/20\/30 formula: 10 slides, 20 minutes, 30 point font. In those 10 slides, Kawasaki recommends eliminating pitch-speak and focusing on the topics that matter to a VC:<\/p>\n<ol>\n<li style=\"font-weight: 400;\">Problem<\/li>\n<li style=\"font-weight: 400;\">Your solution<\/li>\n<li style=\"font-weight: 400;\">Business model<\/li>\n<li style=\"font-weight: 400;\">Underlying magic\/technology<\/li>\n<li style=\"font-weight: 400;\">Marketing and sales<\/li>\n<li style=\"font-weight: 400;\">Competition<\/li>\n<li style=\"font-weight: 400;\">Team<\/li>\n<li style=\"font-weight: 400;\">Projections and milestones<\/li>\n<li style=\"font-weight: 400;\">Status and timeline<\/li>\n<li style=\"font-weight: 400;\">Summary and call to action<\/li>\n<\/ol>\n<div class=\"textbox tryit\">\n<h3>Practice Question<\/h3>\n<p>\t<iframe id=\"assessment_practice_ac181cae-25e1-47de-980e-e94ca9b5521a\" class=\"resizable\" src=\"https:\/\/assess.lumenlearning.com\/practice\/ac181cae-25e1-47de-980e-e94ca9b5521a?iframe_resize_id=assessment_practice_id_ac181cae-25e1-47de-980e-e94ca9b5521a\" frameborder=\"0\" style=\"border:none;width:100%;height:100%;min-height:300px;\"><br \/>\n\t<\/iframe><\/p>\n<\/div>\n<h2>Understanding the Components of Business Plans<\/h2>\n<p>Although terminology and formats differ, most business plans include the same key ingredients. Let\u2019s drill down into the elements SBA recommends:<\/p>\n<h3>Executive Summary<\/h3>\n<p>Briefly summarize what you do (Product or Service) for whom (Target Market) and what will make you successful. Elements to include: mission statement, management and organizational structure highlights, intended location, and scale of operation. If you\u2019re seeking financing, include summary-level financial information and growth projections.<\/p>\n<h3>Company Description<\/h3>\n<p>In this section, provide a more detailed description of your company, including the opportunity (aka, market problem addressed) and your solution. Be specific in identifying your target market, including a description of the consumer profile or list of target businesses or organizations. This is where you detail your competitive advantage, including management expertise and\/or product, process, or other differentiators.<\/p>\n<h3>Market Analysis<\/h3>\n<p>This is where the rigor of your research pays off. Use this section to summarize your understanding of the economy, industry, your target market, and related trends and developments. This is also where you would incorporate competitive research, including success factors and what your positioning and value proposition will be relative to competitors. For perspective on competitive mapping, see the links to sample analyses below:<\/p>\n<ul>\n<li style=\"font-weight: 400;\">Business News Daily.com: <a href=\"https:\/\/www.businessnewsdaily.com\/5446-porters-five-forces.html\" target=\"_blank\" rel=\"noopener\">Porter\u2019s Five Forces: Analyzing the Competition<\/a><\/li>\n<li style=\"font-weight: 400;\">Simplicable\u2019s <a href=\"https:\/\/simplicable.com\/new\/competitive-map\" target=\"_blank\" rel=\"noopener\">3 Examples of a Competitive Map<\/a><\/li>\n<li style=\"font-weight: 400;\">Harvard Business Review\u2019s <a href=\"https:\/\/hbr.org\/2007\/11\/mapping-your-competitive-position\" target=\"_blank\" rel=\"noopener\">Mapping Your Competitive Position<\/a><\/li>\n<\/ul>\n<h3>Organization &amp; Management<\/h3>\n<p>In this section, describe your legal structure (e.g., sole proprietor, partnership, corporation) and introduce yourself and management team or advisors, if applicable. You may also want to elaborate on any related points or motivations such as a social impact or sustainability orientation. If applicable, include an organizational chart so readers can visualize who\u2019s in charge of what functions.<\/p>\n<p>You may also want to include key accomplishments to illustrate what specific expertise each person brings to the team. Key management resumes can be included in the Appendix.<\/p>\n<h3>Service or Product Line<\/h3>\n<p>Use the product or service section to detail your offerings and any market differentiators, such as copyrights or patents. Explain what benefit your product or service delivers to your customers, in particular relative to competitive offerings. If applicable, highlight quality and\/or process or material supply certifications and any other points that influence purchase decisions or reduce business risk.<\/p>\n<div class=\"textbox examples\">\n<h3>Clif Bar<\/h3>\n<p>Clif Bar is a case study in using sustainability as a business strategy and competitive differentiator. For perspective, read UC Davis\u2019 <a href=\"https:\/\/gsm.ucdavis.edu\/event\/clif-bar-raises-bar-sustainability\" target=\"_blank\" rel=\"noopener\">Clif Bar: Raises the Bar on Sustainability<\/a> write-up of Clif Bar President and Chief Operating Officer Kevin Cleary\u2019s Dean\u2019s Distinguished Speaker presentation. Research and development activities and any related funding should also be detailed in this section.<\/p>\n<\/div>\n<h3>Marketing &amp; Sales<\/h3>\n<p>In a world where consumers are overwhelmed by choices, you can\u2019t expect a better product or service to win on merit alone. Your task in this section is to describe your plan to bring your product or service to market. You should also detail how the sales will happen so related costs and technology can be factored into your financials. The complexity of your marketing activities and sales process (and corresponding sales lead time) will depend on your product or service.<\/p>\n<div class=\"textbox key-takeaways\">\n<h3>Learn More<\/h3>\n<p>For a general perspective, see Fitsmallbusiness.com\u2019s <a href=\"https:\/\/fitsmallbusiness.com\/sales-funnel-templates\/\" target=\"_blank\" rel=\"noopener\">Sales Funnel Templates, Definition &amp; Stages<\/a> article. The approach that works for you will depend on your business and your nature. The good news is technology has made a range of low-cost options available.<\/p>\n<p>For a dose of marketing perspective and creative inspiration, read Creative Guerilla Marketing\u2019s <a href=\"http:\/\/www.creativeguerrillamarketing.com\/what-is-guerrilla-marketing\/\" target=\"_blank\" rel=\"noopener\">What is Guerilla Marketing<\/a> article.<\/p>\n<\/div>\n<h3>Funding Request (if applicable)<\/h3>\n<p>If you\u2019re using your business plan to request funding, this section is where you\u2019ll detail your funding requirements and the intended use of those funds over the next five years. The SBA recommends specifying whether you\u2019re asking for debt or equity financing and your desired terms, including interest rate and time period. Provide an explanation of the funding need\u2014for example, to cover operating expenses while building a revenue pipeline. Finally, state your future strategic plan, whether it\u2019s paying off debt or selling the business.<\/p>\n<h3>Financial Projections<\/h3>\n<p>A business plan is nothing without numbers, and financial statements should be prepared regardless of whether you\u2019re requesting funding or using your business plan as proof of concept. Projections should cover a five-year period and include a financial outlook summary as well as forecasted income statements, balance sheets, cash flow statements, and capital expenditure budgets.<\/p>\n<p>The SBA advises using more detailed (quarterly or monthly) projections for the first year. This level of detail also serves as a reality check and early warning for you as a business manager as you implement your plan. If your business is an ongoing concern, include actual income statements, balance sheets, and cash flow statements for the last three to five years. If you have other assets you\u2019re prepared to offer as collateral, list them in this section. Review your projections and funding request details to make sure the narrative and numbers are in sync. This section runs the risk of becoming a blur of numbers without significance. Be thoughtful and creative (with your design, not the numbers) in order to present your financials in a clear and compelling manner.<\/p>\n<h3>Appendix<\/h3>\n<p>The Appendix is used to provide supporting detail and provide any other relevant or requested documentation. The SBA lists the following common items to include: credit histories, resumes, product pictures, letters of reference, licenses, permits, or patents, legal documents, and other contracts.<\/p>\n<h2>Resources<\/h2>\n<p><a href=\"https:\/\/www.sba.gov\/tools\/business-plan\/1\" target=\"_blank\" rel=\"noopener\">SBA\u2019s Business Plan Tool<\/a> (registration required)<\/p>\n<div class=\"textbox tryit\">\n<h3>Practice Question<\/h3>\n<p>\t<iframe id=\"assessment_practice_3d240522-ca08-4a1a-8bf7-70653225293d\" class=\"resizable\" src=\"https:\/\/assess.lumenlearning.com\/practice\/3d240522-ca08-4a1a-8bf7-70653225293d?iframe_resize_id=assessment_practice_id_3d240522-ca08-4a1a-8bf7-70653225293d\" frameborder=\"0\" style=\"border:none;width:100%;height:100%;min-height:300px;\"><br \/>\n\t<\/iframe>\n<\/div>\n\n\t\t\t <section class=\"citations-section\" role=\"contentinfo\">\n\t\t\t <h3>Candela Citations<\/h3>\n\t\t\t\t\t <div>\n\t\t\t\t\t\t <div id=\"citation-list-959\">\n\t\t\t\t\t\t\t <div class=\"licensing\"><div class=\"license-attribution-dropdown-subheading\">CC licensed content, Original<\/div><ul class=\"citation-list\"><li>Create Your Business Plan. <strong>Authored by<\/strong>: Nina Burokas. <strong>Provided by<\/strong>: Lumen Learning. <strong>License<\/strong>: <em><a target=\"_blank\" rel=\"license\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\">CC BY: Attribution<\/a><\/em><\/li><\/ul><div class=\"license-attribution-dropdown-subheading\">CC licensed content, Shared previously<\/div><ul class=\"citation-list\"><li>What I Do at Work. <strong>Authored by<\/strong>: The Scott. <strong>Located at<\/strong>: <a target=\"_blank\" href=\"https:\/\/www.flickr.com\/photos\/thescott365\/3183484673\/\">https:\/\/www.flickr.com\/photos\/thescott365\/3183484673\/<\/a>. <strong>License<\/strong>: <em><a target=\"_blank\" rel=\"license\" href=\"https:\/\/creativecommons.org\/licenses\/by-nc\/4.0\/\">CC BY-NC: Attribution-NonCommercial<\/a><\/em><\/li><\/ul><div class=\"license-attribution-dropdown-subheading\">Public domain content<\/div><ul class=\"citation-list\"><li>Create Your Business Plan. <strong>Provided by<\/strong>: U.S. Small Business Association. <strong>Located at<\/strong>: <a target=\"_blank\" href=\"https:\/\/www.sba.gov\/writing-business-plan\">https:\/\/www.sba.gov\/writing-business-plan<\/a>. <strong>License<\/strong>: <em><a target=\"_blank\" rel=\"license\" href=\"https:\/\/creativecommons.org\/about\/pdm\">Public Domain: No Known Copyright<\/a><\/em><\/li><\/ul><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t <\/div>\n\t\t\t <\/section>","protected":false},"author":78,"menu_order":17,"template":"","meta":{"_candela_citation":"[{\"type\":\"pd\",\"description\":\"Create Your Business Plan\",\"author\":\"\",\"organization\":\"U.S. Small Business 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