Step-by-Step Guide to Writing a Simple Business Plan

By Joe Weller | October 11, 2021

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A business plan is the cornerstone of any successful company, regardless of size or industry. This step-by-step guide provides information on writing a business plan for organizations at any stage, complete with free templates and expert advice. 

Included on this page, you’ll find a step-by-step guide to writing a business plan and a chart to identify which type of business plan you should write . Plus, find information on how a business plan can help grow a business and expert tips on writing one .

What Is a Business Plan?

A business plan is a document that communicates a company’s goals and ambitions, along with the timeline, finances, and methods needed to achieve them. Additionally, it may include a mission statement and details about the specific products or services offered.

A business plan can highlight varying time periods, depending on the stage of your company and its goals. That said, a typical business plan will include the following benchmarks:

  • Product goals and deadlines for each month
  • Monthly financials for the first two years
  • Profit and loss statements for the first three to five years
  • Balance sheet projections for the first three to five years

Startups, entrepreneurs, and small businesses all create business plans to use as a guide as their new company progresses. Larger organizations may also create (and update) a business plan to keep high-level goals, financials, and timelines in check.

While you certainly need to have a formalized outline of your business’s goals and finances, creating a business plan can also help you determine a company’s viability, its profitability (including when it will first turn a profit), and how much money you will need from investors. In turn, a business plan has functional value as well: Not only does outlining goals help keep you accountable on a timeline, it can also attract investors in and of itself and, therefore, act as an effective strategy for growth.

For more information, visit our comprehensive guide to writing a strategic plan or download free strategic plan templates . This page focuses on for-profit business plans, but you can read our article with nonprofit business plan templates .

Business Plan Steps

The specific information in your business plan will vary, depending on the needs and goals of your venture, but a typical plan includes the following ordered elements:

  • Executive summary
  • Description of business
  • Market analysis
  • Competitive analysis
  • Description of organizational management
  • Description of product or services
  • Marketing plan
  • Sales strategy
  • Funding details (or request for funding)
  • Financial projections

If your plan is particularly long or complicated, consider adding a table of contents or an appendix for reference. For an in-depth description of each step listed above, read “ How to Write a Business Plan Step by Step ” below.

Broadly speaking, your audience includes anyone with a vested interest in your organization. They can include potential and existing investors, as well as customers, internal team members, suppliers, and vendors.

Do I Need a Simple or Detailed Plan?

Your business’s stage and intended audience dictates the level of detail your plan needs. Corporations require a thorough business plan — up to 100 pages. Small businesses or startups should have a concise plan focusing on financials and strategy.

How to Choose the Right Plan for Your Business

In order to identify which type of business plan you need to create, ask: “What do we want the plan to do?” Identify function first, and form will follow.

Use the chart below as a guide for what type of business plan to create:

Is the Order of Your Business Plan Important?

There is no set order for a business plan, with the exception of the executive summary, which should always come first. Beyond that, simply ensure that you organize the plan in a way that makes sense and flows naturally.

The Difference Between Traditional and Lean Business Plans

A traditional business plan follows the standard structure — because these plans encourage detail, they tend to require more work upfront and can run dozens of pages. A Lean business plan is less common and focuses on summarizing critical points for each section. These plans take much less work and typically run one page in length.

In general, you should use a traditional model for a legacy company, a large company, or any business that does not adhere to Lean (or another Agile method ). Use Lean if you expect the company to pivot quickly or if you already employ a Lean strategy with other business operations. Additionally, a Lean business plan can suffice if the document is for internal use only. Stick to a traditional version for investors, as they may be more sensitive to sudden changes or a high degree of built-in flexibility in the plan.

How to Write a Business Plan Step by Step

Writing a strong business plan requires research and attention to detail for each section. Below, you’ll find a 10-step guide to researching and defining each element in the plan.

Step 1: Executive Summary

The executive summary will always be the first section of your business plan. The goal is to answer the following questions:

  • What is the vision and mission of the company?
  • What are the company’s short- and long-term goals?

See our  roundup of executive summary examples and templates for samples. Read our executive summary guide to learn more about writing one.

Step 2: Description of Business

The goal of this section is to define the realm, scope, and intent of your venture. To do so, answer the following questions as clearly and concisely as possible:

  • What business are we in?
  • What does our business do?

Step 3: Market Analysis

In this section, provide evidence that you have surveyed and understand the current marketplace, and that your product or service satisfies a niche in the market. To do so, answer these questions:

  • Who is our customer? 
  • What does that customer value?

Step 4: Competitive Analysis

In many cases, a business plan proposes not a brand-new (or even market-disrupting) venture, but a more competitive version — whether via features, pricing, integrations, etc. — than what is currently available. In this section, answer the following questions to show that your product or service stands to outpace competitors:

  • Who is the competition? 
  • What do they do best? 
  • What is our unique value proposition?

Step 5: Description of Organizational Management

In this section, write an overview of the team members and other key personnel who are integral to success. List roles and responsibilities, and if possible, note the hierarchy or team structure.

Step 6: Description of Products or Services

In this section, clearly define your product or service, as well as all the effort and resources that go into producing it. The strength of your product largely defines the success of your business, so it’s imperative that you take time to test and refine the product before launching into marketing, sales, or funding details.

Questions to answer in this section are as follows:

  • What is the product or service?
  • How do we produce it, and what resources are necessary for production?

Step 7: Marketing Plan

In this section, define the marketing strategy for your product or service. This doesn’t need to be as fleshed out as a full marketing plan , but it should answer basic questions, such as the following:

  • Who is the target market (if different from existing customer base)?
  • What channels will you use to reach your target market?
  • What resources does your marketing strategy require, and do you have access to them?
  • If possible, do you have a rough estimate of timeline and budget?
  • How will you measure success?

Step 8: Sales Plan

Write an overview of the sales strategy, including the priorities of each cycle, steps to achieve these goals, and metrics for success. For the purposes of a business plan, this section does not need to be a comprehensive, in-depth sales plan , but can simply outline the high-level objectives and strategies of your sales efforts. 

Start by answering the following questions:

  • What is the sales strategy?
  • What are the tools and tactics you will use to achieve your goals?
  • What are the potential obstacles, and how will you overcome them?
  • What is the timeline for sales and turning a profit?
  • What are the metrics of success?

Step 9: Funding Details (or Request for Funding)

This section is one of the most critical parts of your business plan, particularly if you are sharing it with investors. You do not need to provide a full financial plan, but you should be able to answer the following questions:

  • How much capital do you currently have? How much capital do you need?
  • How will you grow the team (onboarding, team structure, training and development)?
  • What are your physical needs and constraints (space, equipment, etc.)?

Step 10: Financial Projections

Apart from the fundraising analysis, investors like to see thought-out financial projections for the future. As discussed earlier, depending on the scope and stage of your business, this could be anywhere from one to five years. 

While these projections won’t be exact — and will need to be somewhat flexible — you should be able to gauge the following:

  • How and when will the company first generate a profit?
  • How will the company maintain profit thereafter?

Business Plan Template

Business Plan Template

Download Business Plan Template

Microsoft Excel | Smartsheet

This basic business plan template has space for all the traditional elements: an executive summary, product or service details, target audience, marketing and sales strategies, etc. In the finances sections, input your baseline numbers, and the template will automatically calculate projections for sales forecasting, financial statements, and more.

For templates tailored to more specific needs, visit this business plan template roundup or download a fill-in-the-blank business plan template to make things easy. 

If you are looking for a particular template by file type, visit our pages dedicated exclusively to Microsoft Excel , Microsoft Word , and Adobe PDF business plan templates.

How to Write a Simple Business Plan

A simple business plan is a streamlined, lightweight version of the large, traditional model. As opposed to a one-page business plan , which communicates high-level information for quick overviews (such as a stakeholder presentation), a simple business plan can exceed one page.

Below are the steps for creating a generic simple business plan, which are reflected in the template below .

  • Write the Executive Summary This section is the same as in the traditional business plan — simply offer an overview of what’s in the business plan, the prospect or core offering, and the short- and long-term goals of the company. 
  • Add a Company Overview Document the larger company mission and vision. 
  • Provide the Problem and Solution In straightforward terms, define the problem you are attempting to solve with your product or service and how your company will attempt to do it. Think of this section as the gap in the market you are attempting to close.
  • Identify the Target Market Who is your company (and its products or services) attempting to reach? If possible, briefly define your buyer personas .
  • Write About the Competition In this section, demonstrate your knowledge of the market by listing the current competitors and outlining your competitive advantage.
  • Describe Your Product or Service Offerings Get down to brass tacks and define your product or service. What exactly are you selling?
  • Outline Your Marketing Tactics Without getting into too much detail, describe your planned marketing initiatives.
  • Add a Timeline and the Metrics You Will Use to Measure Success Offer a rough timeline, including milestones and key performance indicators (KPIs) that you will use to measure your progress.
  • Include Your Financial Forecasts Write an overview of your financial plan that demonstrates you have done your research and adequate modeling. You can also list key assumptions that go into this forecasting. 
  • Identify Your Financing Needs This section is where you will make your funding request. Based on everything in the business plan, list your proposed sources of funding, as well as how you will use it.

Simple Business Plan Template

Simple Business Plan Template

Download Simple Business Plan Template

Microsoft Excel |  Microsoft Word | Adobe PDF  | Smartsheet

Use this simple business plan template to outline each aspect of your organization, including information about financing and opportunities to seek out further funding. This template is completely customizable to fit the needs of any business, whether it’s a startup or large company.

Read our article offering free simple business plan templates or free 30-60-90-day business plan templates to find more tailored options. You can also explore our collection of one page business templates . 

How to Write a Business Plan for a Lean Startup

A Lean startup business plan is a more Agile approach to a traditional version. The plan focuses more on activities, processes, and relationships (and maintains flexibility in all aspects), rather than on concrete deliverables and timelines.

While there is some overlap between a traditional and a Lean business plan, you can write a Lean plan by following the steps below:

  • Add Your Value Proposition Take a streamlined approach to describing your product or service. What is the unique value your startup aims to deliver to customers? Make sure the team is aligned on the core offering and that you can state it in clear, simple language.
  • List Your Key Partners List any other businesses you will work with to realize your vision, including external vendors, suppliers, and partners. This section demonstrates that you have thoughtfully considered the resources you can provide internally, identified areas for external assistance, and conducted research to find alternatives.
  • Note the Key Activities Describe the key activities of your business, including sourcing, production, marketing, distribution channels, and customer relationships.
  • Include Your Key Resources List the critical resources — including personnel, equipment, space, and intellectual property — that will enable you to deliver your unique value.
  • Identify Your Customer Relationships and Channels In this section, document how you will reach and build relationships with customers. Provide a high-level map of the customer experience from start to finish, including the spaces in which you will interact with the customer (online, retail, etc.). 
  • Detail Your Marketing Channels Describe the marketing methods and communication platforms you will use to identify and nurture your relationships with customers. These could be email, advertising, social media, etc.
  • Explain the Cost Structure This section is especially necessary in the early stages of a business. Will you prioritize maximizing value or keeping costs low? List the foundational startup costs and how you will move toward profit over time.
  • Share Your Revenue Streams Over time, how will the company make money? Include both the direct product or service purchase, as well as secondary sources of revenue, such as subscriptions, selling advertising space, fundraising, etc.

Lean Business Plan Template for Startups

Lean Business Plan Templates for Startups

Download Lean Business Plan Template for Startups

Microsoft Word | Adobe PDF

Startup leaders can use this Lean business plan template to relay the most critical information from a traditional plan. You’ll find all the sections listed above, including spaces for industry and product overviews, cost structure and sources of revenue, and key metrics, and a timeline. The template is completely customizable, so you can edit it to suit the objectives of your Lean startups.

See our wide variety of  startup business plan templates for more options.

How to Write a Business Plan for a Loan

A business plan for a loan, often called a loan proposal , includes many of the same aspects of a traditional business plan, as well as additional financial documents, such as a credit history, a loan request, and a loan repayment plan.

In addition, you may be asked to include personal and business financial statements, a form of collateral, and equity investment information.

Download free financial templates to support your business plan.

Tips for Writing a Business Plan

Outside of including all the key details in your business plan, you have several options to elevate the document for the highest chance of winning funding and other resources. Follow these tips from experts:.

  • Keep It Simple: Avner Brodsky , the Co-Founder and CEO of Lezgo Limited, an online marketing company, uses the acronym KISS (keep it short and simple) as a variation on this idea. “The business plan is not a college thesis,” he says. “Just focus on providing the essential information.”
  • Do Adequate Research: Michael Dean, the Co-Founder of Pool Research , encourages business leaders to “invest time in research, both internal and external (market, finance, legal etc.). Avoid being overly ambitious or presumptive. Instead, keep everything objective, balanced, and accurate.” Your plan needs to stand on its own, and you must have the data to back up any claims or forecasting you make. As Brodsky explains, “Your business needs to be grounded on the realities of the market in your chosen location. Get the most recent data from authoritative sources so that the figures are vetted by experts and are reliable.”
  • Set Clear Goals: Make sure your plan includes clear, time-based goals. “Short-term goals are key to momentum growth and are especially important to identify for new businesses,” advises Dean.
  • Know (and Address) Your Weaknesses: “This awareness sets you up to overcome your weak points much quicker than waiting for them to arise,” shares Dean. Brodsky recommends performing a full SWOT analysis to identify your weaknesses, too. “Your business will fare better with self-knowledge, which will help you better define the mission of your business, as well as the strategies you will choose to achieve your objectives,” he adds.
  • Seek Peer or Mentor Review: “Ask for feedback on your drafts and for areas to improve,” advises Brodsky. “When your mind is filled with dreams for your business, sometimes it is an outsider who can tell you what you’re missing and will save your business from being a product of whimsy.”

Outside of these more practical tips, the language you use is also important and may make or break your business plan.

Shaun Heng, VP of Operations at Coin Market Cap , gives the following advice on the writing, “Your business plan is your sales pitch to an investor. And as with any sales pitch, you need to strike the right tone and hit a few emotional chords. This is a little tricky in a business plan, because you also need to be formal and matter-of-fact. But you can still impress by weaving in descriptive language and saying things in a more elegant way.

“A great way to do this is by expanding your vocabulary, avoiding word repetition, and using business language. Instead of saying that something ‘will bring in as many customers as possible,’ try saying ‘will garner the largest possible market segment.’ Elevate your writing with precise descriptive words and you'll impress even the busiest investor.”

Additionally, Dean recommends that you “stay consistent and concise by keeping your tone and style steady throughout, and your language clear and precise. Include only what is 100 percent necessary.”

Resources for Writing a Business Plan

While a template provides a great outline of what to include in a business plan, a live document or more robust program can provide additional functionality, visibility, and real-time updates. The U.S. Small Business Association also curates resources for writing a business plan.

Additionally, you can use business plan software to house data, attach documentation, and share information with stakeholders. Popular options include LivePlan, Enloop, BizPlanner, PlanGuru, and iPlanner.

How a Business Plan Helps to Grow Your Business

A business plan — both the exercise of creating one and the document — can grow your business by helping you to refine your product, target audience, sales plan, identify opportunities, secure funding, and build new partnerships. 

Outside of these immediate returns, writing a business plan is a useful exercise in that it forces you to research the market, which prompts you to forge your unique value proposition and identify ways to beat the competition. Doing so will also help you build (and keep you accountable to) attainable financial and product milestones. And down the line, it will serve as a welcome guide as hurdles inevitably arise.

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When teams have clarity into the work getting done, there’s no telling how much more they can accomplish in the same amount of time.  Try Smartsheet for free, today.

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  • When do I need to buy insurance for my new car?
  • How to contact Social Security customer service
  • Cars are more expensive to buy and repair
  • What does market cap mean?
  • 1. ‘I love this car!’
  • What are game apps that pay real money?
  • The best homeowners insurance in Kansas
  • Heating and cooling
  • 1. Paying early means less interest
  • When can you buy travel insurance?
  • Tax deductions for rental property
  • Estimate your expenses
  • 1. Only some purchases are eligible for promotional financing
  • The official rankings
  • QuickBooks Online at a glance
  • Factors affecting cost
  • Calculator: Convert United miles to dollars
  • 1. File your taxes — even if you can’t pay
  • Two broad types of mutual fund fees
  • Is charitable giving tax-deductible?
  • What to do if you overcontributed to your 401(k)
  • Are you worried about affording your credit card bill payments?

1. Write an executive summary

  • Cost to build a house
  • Best place to exchange currency: Your bank or credit union
  • The self-employment tax rate for 2023
  • What does it mean to invest in the S&P 500?
  • The psychology of credit card spending
  • What is the standard deduction?
  • 2. Sell your gift cards
  • 1. Start with your 401(k)
  • Average inflation rate
  • The best money-making apps
  • Stores with some of the best return policies
  • Alaska Companion Fare basics
  • Why you might choose Ethereum
  • 1. Learn your cash-flow cycle
  • What is a 1099 form used for?
  • 7 best investments right now
  • 1. Contact your old employer about your old 401(k)
  • What is cruise travel insurance?
  • Step 1. Identify your financial needs
  • How does the earned income credit work?
  • What is the child tax credit?
  • Holding multiple cards is not always bad for your credit scores
  • What is the electric vehicle tax credit?
  • What's the difference between Clear and Global Entry?
  • Do: Gather your documents in advance
  • How to make money online
  • How to pay your federal income taxes in 2023
  • What is capital gains tax?
  • How are dividends taxed?
  • How we found the best auto insurance
  • The highest-valued airline miles for last-minute flights
  • Summary of cash advance apps
  • How does an IRA work?
  • Is crypto staking worth it?
  • How to upgrade your American Express card
  • 1. Rewards credit cards
  • How to use the car affordability calculator
  • Is inheritance taxable?
  • How to upgrade on American Airlines
  • Why invest in mutual funds?
  • How to invest in stocks in 6 steps
  • 1. It earns up to 1.75% cash back
  • Top 10 spot Bitcoin ETFs by fee
  • How spousal IRAs work
  • Rolling over your 401(k): The options
  • What is term life insurance?
  • The best renters insurance companies for 2024
  • What is the gender pay gap?
  • How do expense trackers work?
  • Scenario 1: You know the name of the life insurance company
  • Roth IRA income limits 2023
  • In this article
  • 1. Banks go all-in on customer experience
  • Synchrony Bank ATM network at a glance
  • IRA contribution rules
  • 1. Participate in paid market research
  • When can I withdraw money from my Roth IRA without penalty?
  • Nolo’s Quicken WillMaker: Best all-inclusive
  • What was the FFEL Program?
  • How much of my credit card should I use?
  • How to use the debt snowball method
  • Do you pay taxes on stocks you don't sell?
  • Possible consequences
  • How to make your savings last longer
  • Does Florida have a state income tax? 
  • 1. You need a Varo bank account to get the Varo credit card
  • Variable expenses examples
  • The best homeowners insurance in Oregon
  • What is PE ratio?
  • Transfer points to Hilton
  • Brokered vs. bank CD: 2 big differences
  • What is travel health insurance?
  • Shopify: Best e-commerce platform for product sellers
  • Length of the trip
  • Tires for specific climates
  • Choose Chase if:
  • 1. Radisson matches from multiple programs
  • 2. Get your finances in order
  • Are there balance transfer cards for bad credit?
  • 1. Digital Federal Credit Union: Best for simplicity
  • 20 high-dividend stocks
  • Pacific Life insurance
  • How to fill out a W-4
  • Where Stripe wins
  • Lowest fees
  • How much are closing costs?
  • 22 popular tax deductions and tax breaks
  • What happens next?
  • Cake POS features
  • How to set up an Apple AirTag tracker
  • What’s the purpose of a budget?
  • Disneyland vs. Disney World location
  • Ways to improve your online banking security and protect yourself
  • Types of RSUs
  • How to Refer-A-Friend with Chase
  • Credit cards with a Delta Companion Certificate perk
  • 8 Best IHG redemptions
  • What is a good FICO score?
  • Many purchases come with guilt
  • IRS issues mileage rates for 2024
  • Compare car insurance rates by age
  • 2. Find money for child care
  • Vending machine costs
  • Best-performing marijuana ETFs
  • Basics of PCI compliance
  • How does OASDI tax work?
  • 2. Don’t forget the fake holidays
  • How does a business loan agreement work?
  • Citi Double Cash® Card
  • When to take a student loan
  • What are Hilton points worth?
  • Does Best Western status match?
  • How an emergency fund can help
  • How to book a Polaris business class ticket with United
  • How much Social Security does a divorced spouse get?
  • Our picks for the best return-of-premium life insurance companies in February 2024
  • 2. Your account is unused
  • American Express Centurion Lounge
  • Why buy dividend stocks?
  • Where Kin stands out
  • Where can I get a cashier’s check?
  • Work out how much of your income should go to rent with the 50/30/20 rule
  • Ways to avoid seat selection fees
  • 2. Learn more about your 401(k)
  • Student loan forgiveness programs
  • How to spend $4,000
  • How does QuickBooks Online work?
  • How to choose the best crypto wallet
  • Colonial Penn life insurance
  • How we chose the cheapest companies in Washington
  • 2. You'll get a small welcome bonus
  • What are AI stocks?
  • 3. Pawn something
  • Does everyone in my family need their own Global Entry membership?
  • How to find your federal student loan servicer
  • Who qualifies for the Fresh Start program
  • How we ranked the top life insurers
  • How does a Roth IRA work?
  • Who is a qualifying child?
  • 1. Capital One would be a formidable credit cards competitor 
  • 2. Shop around
  • What does non-owner car insurance cover?
  • 2. Set your shop preferences
  • How much does it cost to trademark a name?
  • Why are gas prices going up?
  • Examples of installment loans
  • YNAB, for hands-on zero-based budgeting
  • What is the dividend tax rate?
  • Reasons for chargebacks
  • Vacasa: Best for professional management yet hometown flair
  • The best home insurance companies of 2024
  • How to earn a return in a Roth IRA
  • A shortlist of which airlines fly to Hawaii and from where
  • How state income tax rates work
  • 529 college savings and prepaid plans
  • What is the 50/30/20 rule?
  • If you have between $1,000 and $5,000 in your 401(k)
  • Married filing taxes jointly vs. separately
  • Where USAA stands out
  • 3. Build your financial knowledge and set some goals
  • How the federal estate tax works
  • NerdWallet's car insurance estimator
  • Understanding socially responsible investing
  • Disney’s BoardWalk hotels
  • A closer look at Delta credit card offers
  • Which term length is right for you?
  • Where does the equity come from?
  • Can you buy domestic travel insurance?
  • The catch to tax credits
  • Flying with a dog in cabin vs. cargo
  • Where NJM stands out
  • Why are airlines facing new regulations for lavatories?
  • How to call American Airlines customer service
  • When it’s time to move on
  • Why the Citi Custom Cash® Card is the better option for most
  • 1. Mortgage interest deduction
  • What is the average American net worth?
  • How umbrella insurance works
  • The best cheap car insurance
  • Car detail cost
  • What does gap year insurance cover?
  • What does it mean to live in a state with no income tax?
  • 1. Pay credit card balances strategically
  • Money orders: Pros and cons
  • The self-employment tax rate for 2024
  • 2. Write your address in the purchaser section
  • How to get an attending physician statement
  • How to calculate the inflation rate
  • 2. Decide how much you want to invest
  • Use a backup debit card
  • How does a 401(k) work?
  • Who gets a 1099 form?
  • Are auto loan interest rates rising?
  • Third-party processors vs. merchant account providers
  • RV loan calculator
  • What would it mean for customers?
  • Does opening a new credit card hurt your credit?
  • 2. Ski at Lee Canyon
  • Check your number online
  • Can you buy OpenAI stock?
  • You’re low- or middle-income, or unemployed
  • Business tax ID number lookup: Your 3 best options
  • How do lottery taxes work?
  • State sales tax
  • When are estimated taxes due?
  • How P2P payments work
  • Active vs. passive mutual funds
  • 2. Dispute errors
  • More about the best home insurance companies in West Virginia
  • How is a FICO score calculated?
  • Types of stock trading
  • AmEx Membership Rewards overview
  • 2. Rakuten Cash Back Button
  • Head of household
  • More about the best renters insurance companies
  • Scenario 2: You don’t know the name or whether the person had a policy
  • Why QuickBooks wins
  • Calculator: Convert Southwest points to dollars
  • 2. Become a virtual assistant
  • Roth IRA withdrawal rules
  • How to open a brokerage account for your kid
  • Social Security phone numbers
  • Driving has become more dangerous
  • Types of Indiana powers of attorney
  • What is a government shutdown?
  • 2. ‘I’ve got to have a monthly payment of $350.’
  • Recent changes to American status levels
  • Who can get a Global Entry walk-in appointment?
  • 2. Use money tips to accelerate your savings
  • Stackable savings at select grocery stores
  • How can I get a cashier’s check?
  • More about the best home insurance companies in Kansas
  • What’s happened so far
  • Which one is important to know for savings accounts?
  • Will Florida tax my investment gains?
  • 2. A security deposit makes a credit card easier to get
  • How to get letters of administration
  • United MileagePlus Miles value over time
  • How tax-deductible donations work
  • Should you use a credit card to pay your other bills?

2. Describe your company

  • How do I fund my Venmo account?
  • 2. Make the right opening offer
  • How to open a custodial Roth IRA for kids
  • Budget planner
  • 2. Urge your customers to pay on time
  • What is a mutual fund?
  • How much is the 2023 child tax credit?
  • How to choose a brokerage account provider
  • If you want lower monthly payments and student loan forgiveness
  • How do you calculate closing costs on a house?
  • More differences between ETFs and index funds
  • 2. Health insurance (maybe) deduction
  • The cheapest large car insurance company: State Farm
  • How does capital gains tax work?
  • First-time home buyer grants available across Illinois
  • Airline amenities
  • Jumbo loan requirements
  • Does my employer match count toward 401(k) limits?
  • What baggage delay compensation am I entitled to?
  • Is there a federal inheritance tax?
  • 2. You could get a lucrative sign-up bonus
  • IRS standard mileage rate for business
  • Where to stash your emergency fund
  • How do Vanguard index funds work?
  • If your credit score is 700 or above
  • American Express Membership Rewards: The basics
  • Delta main cabin
  • 2. Inflation demands adaptability
  • THDA highlights and eligibility requirements
  • How the new student loan repayment plan differs for other IDRs
  • How investment and brokerage fees affect returns
  • How are stocks taxed?
  • Where Kin falls short
  • Why do people invest in cryptocurrencies?
  • Marriott points calculator
  • What is the SALT deduction?
  • 2. You set your own credit limit, to a point
  • More about the best home insurance companies in Oregon
  • Realtor vs. real estate agent
  • PE ratio example
  • 2. The APR, once charged, is sky-high
  • 7 best hot wallets
  • 2. Make a payment plan, delay payment or settle
  • Annual fund operating expenses
  • When to consider brokered CDs over bank CDs
  • IHG airline partners
  • Another money-change option: Online currency converters
  • 3. Include your account number if you're paying a bill
  • 4. Work today for fast cash today
  • Mortgage payoff calculator help
  • What is a limited partnership?
  • How long does it take to get a credit card refund?
  • Investing for income: Dividend stocks vs. dividend funds
  • Pacific Life insurance policies
  • Who has student loan debt?
  • Having multiple cards gives you a backup plan
  • How does Clear work?
  • Don't: Skip the signatures
  • February mortgage rates forecast
  • 1. IRS Direct Pay
  • 1. Brigit: Best for budgeting tools
  • What cryptocurrencies allow staking?
  • Planning for repayment
  • Where USAA falls short
  • 2. Identify which type of credit card you need
  • AEGIS insurance plans
  • 4. Try using AI for your finances
  • 3. Recover unclaimed money
  • Do you need term life insurance?
  • How to start a vending machine business: A step-by-step guide
  • Marijuana ETFs vs. stocks
  • What credit score do you need for the best mortgage rate?
  • Sections of a business loan agreement
  • How to get auto insurance before buying a car
  • Market cap segments
  • Is 0% credit utilization bad?
  • A long non-winning stretch, but still hope
  • 5 ways to turn no credit into good credit
  • Look for lower interest rates and ways to pay more
  • Where NJM falls short
  • Who might file an 83(b) election and why
  • 3. Look into an IRA
  • Florida corporate income tax
  • Fixed expenses vs. variable expenses
  • Colonial Penn life insurance policies
  • Cheapest for 20-year-old drivers
  • 3. It does earn a lot of points ...
  • Pros and cons of living in a state without income tax
  • When will I get my tax refund in 2024?
  • Other ways to contact a real person at the IRS
  • How to calculate self-employment tax
  • Should I buy stocks when markets are at all-time highs?
  • How the standard deduction works
  • How to apply for Global Entry for a family
  • How to fill out a W-9
  • Or go with an alternative
  • 2. You can use a credit card to get status
  • What does cruise travel insurance cover typically?
  • Step 2. Understand the types of financial advisors
  • Earned income tax credit 2023
  • Which cars qualify for a federal EV tax credit?
  • Stopover meaning in airlines
  • What are qualified and nonqualified dividends?
  • 2. Shop around online
  • Best homeowners insurance companies: Pros and cons
  • Best car insurance companies: Our winners
  • Why is budgeting important?
  • Can I max out both my 401(k) and Roth 401(k)?
  • What airlines go to Hawaii?
  • When are state income tax returns due?
  • How to establish domicile
  • How to determine how much car you can afford
  • How much of your wages can be garnished?
  • Spousal IRA rules
  • Calculating net worth: What are assets and liabilities?
  • Best iOS personal expense tracker apps
  • Estate tax rates
  • Roth IRA contribution limits 2024
  • How does OASDI tax work if I’m self-employed?
  • How flexible are Southwest points?
  • Synchrony Bank ATM fees and features
  • Should I put all my money in one mutual fund?
  • Primary vs. contingent beneficiary
  • 3. Transcribe audio and video
  • 1. Borrow up to the federal direct loan limit
  • What are the benefits of booking a vacation package?
  • How can I increase my emergency savings? 
  • What can you do if your school is withholding your transcript?
  • How do I know if I have FFELP loans?
  • A big decision about tax deductions
  • Credit report
  • How to apply for Social Security
  • 3. Something about you (or the issuer) changed
  • Dividend vs. growth stocks
  • Example of the difference between APY and interest rate
  • Distinguish between good debt and bad debt
  • Who’s saving what?
  • 2. Depreciation deduction
  • Average net worth by age
  • How do United miles compare with other airlines?
  • Do I have to pay Georgia state income tax?
  • Dealing with excess 401(k) contributions after Tax Day
  • What day is my March 2024 payment coming?
  • Learn more about life insurance applications
  • 2. Add a Roth IRA to the mix
  • 3. Turn your inventory quickly
  • Do I need a 1099 form to file my taxes?
  • How to choose the best mutual funds for you
  • Does Global Entry include TSA PreCheck?
  • Issuer pre-qualification pages
  • Best life insurance companies: Pros and cons
  • How to use average car interest rates
  • Should you do a balance transfer if you have bad credit?
  • 2. Navy Federal Credit Union: Best for veterans and military families
  • 2. Find your 401(k) with your Social Security number
  • Upgrading can rob you of reward-earning opportunities
  • Pros of using a third-party processor
  • Secured vs. unsecured RV loans
  • 3. Name your Etsy shop
  • Pros and cons of a lady bird deed
  • What other forecasters say
  • Why are eggs so expensive?
  • Why invest in an IRA?
  • Cost of living has grown faster than income in the past four years
  • Ohio first-time home buyer loan programs
  • Disneyland vs. Disney World theme parks
  • Which Generali travel insurance plan is best for me?
  • If you have at least $5,000 in your 401(k)
  • What items need to have sales tax?
  • Inheritance taxes vs. estate taxes
  • State availability
  • What to consider when you're referring
  • 3. You can choose between a Visa or Mastercard version
  • Calculating standard mileage vs. actual expenses for business
  • 5. Set up recurring donations to a nonprofit.
  • 3. The Camelizer
  • How to estimate car insurance costs
  • Disney's BoardWalk restaurants
  • 3. Shop abroad
  • Why buy long-term care insurance?
  • Know where you stand
  • Other ways to contact a real person at the Social Security Administration
  • Last year’s rates didn’t increase by much
  • Who is affected by a government shutdown?
  • Can you collect Social Security divorced spouse benefits and your own retirement benefits at the same time?
  • Where to find walk-in appointments for Global Entry
  • Can you chat with American Airlines?
  • Figure out how much you can afford to spend on rent
  • Top rental increases and decreases in the U.S.
  • Buying a call option
  • Average cost of tires
  • What are Venmo's fees?
  • 4. Sign the bottom where it says 'purchaser’s signature'
  • Size of group
  • 5. Seek community loans and assistance
  • What do federal student loan servicers do?
  • 5 reasons why a Roth IRA can be right for minors
  • How to get a Fresh Start
  • Customer service numbers for international travelers
  • Traditional 401(k) vs. Roth 401(k)
  • 3. Make a plan for the down payment
  • How investing pays off later
  • What can you invest in with a Roth IRA?
  • 2. Capital One hopes to expand its digital banking reach
  • How to calculate APY
  • Do: Keep separate bank accounts and consider getting a second business bank account for a PPP loan
  • 3. Hike and bike in Spring Mountains National Recreation Area
  • What is long-term capital gains tax?
  • The rules change for holiday travel
  • Are there income limits for 401(k)s?
  • Estimated tax payments 2024
  • How does the Delta companion ticket work
  • How to trade stocks
  • What is a Bitcoin strategy ETF?
  • How long does term life insurance last?
  • Are Vanguard index funds a good investment?
  • If your credit score is lower than 700
  • How to set up bill pay
  • The 12 PCI compliance requirements
  • Roth IRA income limits 2024
  • 3. Tailored benefits draw in new employees
  • 2. Afterpay
  • How does it work?
  • Domestic travel health insurance
  • 3. ‘My lease is up next week.’
  • 3. Keep down payment savings in the right account
  • How do Marriott Bonvoy points compare to other hotel programs?
  • 3. Your first credit card can build your credit — or ruin it
  • How to budget for variable expenses
  • What does umbrella insurance cover?
  • 3. The card isn’t accepted everywhere
  • The challenge: Low inventory means slim pickings for buyers
  • See CD rates by bank
  • Travel insurance vs. travel medical insurance
  • How can I buy a money order?
  • 2024 tax brackets and income tax rates
  • Why haven't I received my tax refund?
  • Square Online: Best free e-commerce platform
  • Where to exchange currency outside the U.S.
  • Who has to pay self-employment tax?
  • Bank of America vs. Chase: Basic checking accounts
  • Why you might choose Solana
  • What can you do if the merchant won’t provide a refund?
  • Lowest baggage fees
  • How does Global Entry work?
  • Vrbo: Best Airbnb alternative with a loyalty program
  • Why is OpenAI in the news so often?
  • Best insurance company overall: Travelers
  • How do you start a budget?
  • You have an undergraduate degree only
  • How to downgrade your American Express card
  • Which P2P payment service should you use ?
  • 4. Get down payment assistance for a home
  • The risks of marijuana ETFs
  • Branch-free banking
  • 4. Sell stuff online
  • How much is new car insurance?
  • GoodTrust: Best for digital assets
  • Are brokerage fees tax-deductible?
  • Best return-of-premium life insurance policies: Pros and cons
  • If you are starting with bad credit
  • The Club LAS
  • How are dividends paid out?
  • APY to interest rate calculator
  • What’s the Florida state sales tax?
  • 3. Making credit card payments can be foolproof
  • Real estate agent vs. broker
  • PE ratio formula
  • The best airlines for pets
  • Food and drink in ANA premium economy
  • 4. ... but the points aren't worth much
  • Trading and selection
  • Common reasons for excess 401(k) contributions
  • What options can help you save on interest?
  • Child tax credit expansion: What the new tax deal could mean for you
  • Are Southwest vacation packages a good deal?
  • How quickly could the IRS implement the child tax credit expansion?
  • Before you call
  • How to invest in AI stocks
  • Credit cards = happiness?
  • 6. Ask for forbearance on bills
  • How to pay off a mortgage early
  • How to use the Alaska Companion Fare
  • 4. Negotiate with your vendors and customers
  • 3. There are multiple Radisson Rewards programs
  • When should I receive my 1099?
  • Can you transfer Alaska miles to American?
  • Pacific Life insurance rates
  • Best travel insurance overall: Berkshire Hathaway Travel Protection
  • Cons of using a third-party processor
  • How to qualify for the 2024 EV tax credit
  • Using Apple AirTags for luggage
  • What state has the highest gas prices?
  • 3. Comparison shop between brands (the discount ones aren't always cheapest)
  • How to meet your monthly savings goal
  • Coronavirus considerations
  • What you should do if your baggage is delayed
  • USAA home insurance coverage
  • Tax liability of RSUs
  • Fubo add-ons
  • What you can do about wage garnishment
  • 3. Pay off debts
  • Try a simple budgeting plan
  • Envy is impacting some Americans’ health
  • Compare car insurance rates for 20-year-olds
  • How to open a spousal IRA
  • Which states have an estate tax?
  • OASDI limit 2023
  • How to get a power of attorney in Indiana
  • What are my repayment options with FFELP debt?
  • One more option: Borrow from a 401(k)
  • How credit utilization affects your scores
  • Whom do I contact about my American Airlines AAdvantage account?
  • Bonus cash back on memberships at gyms and fitness clubs
  • Travel credit card availability
  • How much does a cashier’s check cost?
  • When is the best time to buy travel insurance?
  • Other student loan forgiveness programs
  • How to calculate your net worth
  • 4. You won’t earn any ongoing rewards
  • When is the best time to use United miles?
  • When to consider bank CDs over brokered CDs

3. State your business goals

  • 2. Ask for higher credit limits
  • 5. Keep your receipt
  • 3. Make a counteroffer
  • 3. Explore passively managed index funds
  • General partnerships vs. limited partnerships: Similarities
  • Are Roth IRAs insured?
  • How much is travel insurance for a cruise?
  • Child tax credit 2024
  • Where Stripe falls short
  • If income-driven repayment doesn't make sense with your salary
  • Who needs non-owner car insurance?
  • 3. Continuing education deduction
  • The cheapest midsize car insurance company: American National
  • First class airplane seats
  • Learning how to avoid default
  • Types of state income tax
  • When dual residency might apply
  • How to invest in mutual funds
  • What is a FICO score used for?
  • 4. It's light on fees
  • Top 9 Bitcoin strategy ETFs by fee
  • 4. CouponCabin Sidekick
  • Do you include a 401(k) in a net worth calculation?
  • California income tax deadlines
  • SRI performance
  • How to become PCI compliant
  • Traditional IRA deduction rules
  • THDA first-time home buyer loan programs
  • How to choose the right term length
  • Investment fee calculator
  • You can still find cheaper rates
  • 4. ‘I want $10,000 for my trade-in, and I won’t take a penny less.’
  • Game apps that pay real money: before you play
  • What you'll need to apply for Social Security
  • NJM home insurance coverage
  • Kin home insurance coverage
  • When will passengers see bigger airplane bathrooms?
  • Why is Bitcoin still popular?
  • When and how to file an 83(b) election
  • 2. Early payments can improve credit
  • 3. Property tax deduction
  • Pricing and features
  • Shareholder fees
  • Where can I get a money order? How much does a money order cost?
  • Episode transcript
  • How do I receive money with Venmo?
  • How to invest in the S&P 500 in two steps:
  • Standard deduction 2023
  • 7. Request a payroll advance
  • How to find your child’s Social Security number
  • What to do when your credit card expires
  • Average monthly expenses that increased year over year
  • 1. High-yield savings accounts
  • 3. Discover would remain its own brand
  • Earned income tax credit 2024
  • 3. Customize your policies
  • Small-business lending statistics
  • Don't: Spend your PPP money on ineligible expenses
  • Additional costs of trademarking a business name
  • What is short-term capital gains tax?
  • 2. EarnIn: Best for large advances
  • How does staking work?
  • Rising costs thwart debt payoff plans
  • Do I have to pay state tax on lottery winnings?
  • Who should make estimated quarterly tax payments?
  • Deciding between term and permanent life insurance
  • How much does it cost to buy Vanguard index fund shares?
  • Factors that affect the cost of car insurance
  • Can I contribute to a Roth IRA if my income is too high?
  • OASDI limit 2024
  • H ow mortgage rates can vary by credit scor e
  • 4. Borrowing costs remain high
  • How many funds make an ideal portfolio? Can I buy too many?
  • 5. Housesit
  • 2. Explore emergency aid
  • Hilton Honors vs. competitors
  • When can you withdraw from your Roth IRA?
  • United Polaris vs. United Premium Plus
  • When was the last government shutdown?
  • What to bring to Global Entry interview
  • Does American give refunds for canceled flights?
  • 4. You can see the rates and fees before applying
  • Saving for emergencies, retirement and vacations top list
  • What is my Georgia residency status for state income tax purposes?
  • Can you save even more money with Southwest Airlines vacation packages?
  • W-9 form 2023: What's new
  • Average mutual fund return
  • Top credit cards that offer preapproval without a hard pull
  • Best life insurance company overall: MassMutual
  • What’s a spousal Roth IRA?
  • Requirements: Who qualifies for the child tax credit?
  • 4. Take a scenic drive through Red Rock Canyon National Conservation Area
  • Goodbudget, for hands-on envelope budgeting
  • Chargeback fees
  • Request your passport number from the State Department
  • What eligibility requirements are borrowers still expected to meet?
  • Other ways to save money on last-minute flights
  • What’s next?
  • Can I have a 401(k) and an IRA?
  • Beneficiary notification methods
  • Spouses no longer need to co-sign IDR applications
  • States with no sales tax
  • Does the cost of FuboTV fit into your budget?
  • 5. It comes with rental car coverage
  • 5. Capital One Shopping
  • Qualified widow or widower
  • How much are American Express Membership Rewards points worth?
  • How do Southwest points compare to other airline loyalty miles?
  • Citi® Diamond Preferred® Card
  • What are the perks of elite status with Best Western?
  • Find opportunity in a volatile market
  • The end of pandemic-era relief for FFELP borrowers
  • Is the debt snowball method for you?
  • 6 types of dividends
  • Relaxing rewards at the spa and salon
  • 4. Save for college
  • Student loan cancellation programs
  • Why is net worth important?
  • 5. Pre-qualify without affecting your credit score
  • 3. Tap an expert for assistance
  • Estimate your 2024 IRS tax refund date
  • How much can you send with Venmo?
  • How to pay self-employment tax
  • Other factors to consider
  • How can my family get Global Entry for free?
  • 3. Take as much risk as you can stomach
  • Bank of America vs. Chase: Basic savings accounts
  • 5. Consider invoice financing.
  • 4. Matching only goes to Gold
  • 3. First Tech Federal Credit Union: Best for unlimited transactions
  • Pacific Life customer complaints and satisfaction
  • Total federal student loan debt
  • Best third-party processors
  • When to estimate closing costs
  • Clear vs. Global Entry cost
  • How opening a new card can help your credit
  • How do you set up a lady bird deed?
  • So what is the best Roth IRA?
  • How to choose a Generali plan online
  • States that have estate taxes, inheritance taxes or both:
  • What to do when you get a garnishment judgment
  • Do I have to file taxes?
  • 4. Ask creditors to update information
  • 5. Find tax credits for health insurance
  • Net worth calculator
  • Is the OASDI tax mandatory?
  • IRA income limits
  • Choosing a life insurance beneficiary
  • Can your ex's current spouse collect spousal benefits if you do?
  • 5. ‘I’ve been looking all over for this color.’
  • What is elite status on American?
  • United Club Lounge
  • 4. Resist dipping into your other savings
  • How to become Executive Platinum on American Airlines
  • Local sales taxes in Florida
  • 4. The APR is 0%
  • Credit cards with a $4,000, 3 month minimum spend requirement
  • What all real estate agents do
  • When not to call the IRS
  • How to find AI ETFs
  • Where to avoid exchanging currency
  • What to ask before buying a used iPhone
  • 8. Take a loan from your retirement account
  • General partnerships vs. limited partnerships: Differences
  • Types of 1099 forms
  • 4. Create a wish list
  • Who covers the purchase while the refund is pending?
  • Step 3. Review the range of options for financial advisors
  • Multiple cards typically mean more rewards
  • APR vs. APY: What’s the difference?
  • What state has the lowest gas prices?
  • 2. Electronic funds withdrawal (EFW)
  • 4. Leverage memberships
  • Why is there an egg shortage?
  • You qualify for Public Service Loan Forgiveness
  • Can you deduct sales tax?
  • Selling vested shares
  • Does leasing a car build credit?
  • 3. Apple Pay Later
  • How much insurance do I need for a new car?
  • What's next?
  • How to sign up for Hilton Honors
  • More about these investment expenses
  • How much does it cost to fly with a dog?
  • Factor in other costs
  • Student loan discharge programs
  • 4. Deduction for repairs
  • Plan when to claim Social Security
  • What is a good PE ratio?
  • Labor costs
  • 5. Loyalty earns you more
  • Shareholder fees: Load funds vs. no-load funds
  • What counts as income?

4. Describe your products and services

  • Money order fees at big U.S. banks
  • Will there be extra Social Security payments?
  • 4. Getting to 'yes'
  • 2024 standard deduction
  • How does TSA PreCheck work?
  • OpenSky® Secured Visa® Credit Card
  • Average monthly expenses that declined
  • How to invest in dividend stocks
  • How to qualify for the earned income credit
  • How to open a brokerage account
  • W-4 form 2024
  • Where Square wins
  • Do: Apply with more than one lender
  • 4. Add items to your shop
  • Open-jaw flights: How they work
  • Capital gains tax rates 2023
  • Can you invest in OpenAI’s partners?
  • Many in credit card debt feel stressed, worried
  • You'll likely forgo a welcome bonus
  • USAA home insurance rates
  • Are P2P payments safe?
  • The Bitcoin ETF price war
  • 6. Apply for college grants
  • The importance of a direct 401(k) rollover
  • Do I have to pay California state tax?
  • How to build a socially responsible investment portfolio
  • 5. Communication is key for customer relationships
  • Those restrictions on third-party buyouts
  • How to file for Social Security divorced spouse benefits
  • How to get an even earlier Global Entry appointment
  • What if I lose the cashier's check?
  • 3. Paying ahead clears room for other needs
  • 5. Fund your FSA
  • It’s more expensive to rent than ever before
  • Why the Chase Freedom Flex℠ is better for optimizers
  • How long does it take to get letters of administration?
  • How to increase your net worth
  • What umbrella insurance doesn’t cover
  • How to add TSA PreCheck to Southwest Airlines
  • Colonial Penn customer complaints and satisfaction
  • Can United miles be used on other airlines?
  • Buying a brokered CD: the details
  • What does travel medical insurance cover?
  • Is Venmo secure?
  • Skip currency exchange: Use a credit or debit card
  • Tax deductions for self-employment
  • 9. Borrow against life insurance
  • Inflation example
  • 6. Compare cash-flow loans
  • More about Pacific Life insurance
  • Do I need it if I have other travel protections?
  • Additional child tax credit
  • 4. Prepay your annual premium
  • Common questions about RV loans
  • Step 2: Determine your target audience
  • 4. Mileage deduction
  • 5. Explore historic tunnels near Lake Mead
  • Dividend tax rate 2023
  • Grant programs in Chicagoland
  • IRA contribution limits 2023-2024
  • What happens if I exceed my 401(k) limit by mistake?
  • Prioritizing your financing
  • How to handle your state tax liability
  • Watch out for capital gains taxes
  • 5. Wait until the record drops out of the database
  • 3. Narrow your choices by asking the right questions
  • What isn’t covered by AEGIS
  • Other IRS mileage rate types
  • How much does term life insurance cost?
  • Are spendthrift trusts revocable or irrevocable?
  • When you might choose FreshBooks instead
  • Calculate your reduced Roth contribution
  • 6. Write online reviews
  • Can you status match from a credit card?
  • Defaulted FFELP Loans and the Fresh Start Program
  • Information is power
  • When do you have to pay taxes on stocks?
  • Does Florida have property tax?
  • When is it too late to buy travel insurance?
  • 5. Credit card fees are avoidable
  • The caveats
  • Benefits of QuickBooks Online
  • What can I do with my money if I max out my 401(k)?
  • National grant programs open to Georgia businesses
  • 3. Become an authorized user
  • How income tax brackets work
  • Squarespace: Best platform for service providers
  • More competitors to cash
  • Fresh Start benefits available now — without enrolling
  • 4. Think about how much you want to actively trade
  • How much should I spend each month?
  • How to open a Roth IRA in 6 steps
  • 4. The deal faces regulatory hurdles
  • If you want to avoid airline fees
  • If you don't want payments tied to your income
  • How to prevent chargebacks
  • 3. Empower: Best for fast cash
  • You’re at risk of delinquency or default
  • What isn’t covered with Generali
  • Should I take a lump sum payment or annuity payments?
  • Other college savings account options
  • 2. Sign up for credit cards that earn Chase Ultimate Rewards® and transfer to United
  • Social media may lead to overspending
  • What is the difference between an inheritance tax and an estate tax?
  • How much car insurance you need
  • Groups involved in PCI compliance
  • 3. Compare private student loan options
  • Ways to get good value
  • How to get your Global Entry fee refunded
  • 5. Get help with saving for a down payment
  • How do I get a refund from American Airlines?
  • Are my other types of debt a problem?
  • 5. You can earn cash back on select purchases
  • The challenge: High prices push affordability to the worst it’s been in almost 40 years
  • Where Colonial Penn stands out
  • Amenities and other perks of ANA premium economy
  • Where's my state tax refund? Track your state refund status
  • What’s the Social Security payment schedule for 2024?
  • 5. Inking the deal
  • 10. Use a credit card cash advance
  • Reasons to enroll your whole family in Global Entry
  • Take advantage of nontraditional return options
  • Tires for comfort and performance
  • Bank of America vs. Chase: Certificates of deposit
  • 5. Elite members get a lot of benefits
  • How can I pay off debt if I can’t get a balance transfer card?
  • What happens to rewards earned from the purchase?
  • 3. Search unclaimed property databases
  • Total private student loan debt
  • When upgrading your credit card makes sense
  • 5. Limit claims by managing your risks
  • What do closing costs include?
  • Best insurance company for affordability: NJM
  • How do you stake cryptocurrency?
  • How to apply with a Refer-A-Friend link
  • How to safely make and receive P2P payments
  • Don’t have to file a tax return? There’s a big reason you might want to do it anyway
  • Before you go shopping
  • Compare your net worth
  • How long-term care insurance works
  • Trust & Will: Best for ease of use
  • Watch out for Social Security scams
  • Can you apply for Social Security divorced spouse benefits if your ex hasn't yet applied for Social Security?
  • Card details: Chase Freedom Flex℠
  • An added incentive for early payments
  • How has the Marriott points value changed over time?
  • When should I use a money order?
  • Ways to finance your new home
  • Is it safe to buy a used phone?
  • 4. Seek inexpensive diversification
  • Advanced points hack: Earn Alaska and American miles elsewhere
  • Best life insurance company for applicants with HIV: Guardian
  • Who is a qualifying relative?
  • How to find the 2024 W-4
  • Don't: Go it alone
  • Cheapest car insurance after a speeding ticket: State Farm
  • Alternatives to a lady bird deed
  • Booking.com: Best for stays abroad
  • Do you qualify for borrower defense forgiveness?
  • Ability to earn and use points
  • Pros and cons of jumbo loans
  • Rising interest rates are making it harder for many to pay off debt
  • Watch out for fees
  • Individual airline policies on delayed baggage
  • Get more help with monthly budget planning
  • How do other IDR plans compare?
  • Married, filing jointly
  • Spendthrift trust pros
  • Is OASDI tax the same thing as Social Security tax?
  • Disney's BoardWalk attractions
  • How has this value changed over time?
  • Mortgages where credit score matters less
  • 6. Cost of doing business continues to rise
  • Naming children as your beneficiaries
  • 7. Start a blog
  • How to find Hilton Honors hotels around the world
  • Travel cards with domestic travel insurance
  • Are FFELP loans eligible for PSLF?
  • Not quite ready to retire?
  • How does cryptocurrency work?
  • Look for savings
  • 6. Subsidize your dependent care FSA
  • How did rent get so expensive?
  • 6. Interest is completely avoidable, too
  • Other income sources may help you retire sooner
  • PE ratio example calculator
  • Buying a call option vs. owning the stock
  • Where Colonial Penn falls short
  • What’s excluded?

5. Do your market research

  • Does Venmo offer a debit or credit card?
  • Chase Ultimate Rewards®
  • Additional standard deduction
  • 11. Look for a payday alternative loan
  • What is a W-9 form used for?
  • 4. Blue Federal Credit Union: Best for easy-to-access membership
  • 2. Certificates of deposit
  • How compound interest works
  • What index funds and ETFs have in common
  • Using points and miles to buy AirTags
  • Dividend tax rate 2024
  • B2B marketing tips
  • Understanding the American Express card families
  • 2. Low-interest and balance transfer cards
  • Who collects sales tax?
  • How to avoid inheritance tax
  • How to calculate quarterly estimated taxes
  • FICO vs. VantageScore
  • Watch out for scams
  • What is California's standard deduction?
  • If you collect Social Security divorced spouse benefits, do you have to inform your ex-spouse?
  • How much is American Airlines Executive Platinum status worth?
  • How much is the SALT deduction?
  • What buyer's agents do
  • Do you need an umbrella insurance policy?
  • What is Georgia's standard deduction?
  • Load funds and mutual fund share classes
  • Things to remember about working while on Social Security
  • Different types of travel medical insurance plans
  • How to get a tax refund sooner
  • Could we be in an AI bubble?
  • Best for emergency medical coverage: Allianz Global Assistance
  • Step 3: Write your business plan
  • How are gas prices determined?
  • 5. Opt for economy cars
  • You can’t pay off your interest each month
  • Walt Disney World vs. Disneyland tickets
  • Do spot Bitcoin ETFs have custodianship risk?
  • How to choose a AEGIS plan online
  • Pros and cons of a 401(k) rollover into an IRA
  • Sample life insurance rates for men and women
  • Can I get my Social Security tax back if I’ve overpaid it?
  • 8. Game on Twitch
  • If you want to get a Best Western status match
  • What is net investment income tax?
  • Cashier’s check vs. certified check vs. money order
  • How many will benefit?
  • When are Florida taxes due?
  • How did we determine the value of Marriott Bonvoy points?
  • Letters of administration vs. letters testamentary

6. Outline your marketing and sales plan

  • State tax department phone numbers
  • How much does it cost to invest in the S&P 500?
  • Credit card spending still has many positives
  • Form W-9 vs. W-4
  • What to know about holiday return policies
  • Should you choose Bank of America or Chase?
  • 5. The bigger the company, the higher the interest rates
  • How to claim the child tax credit in 2024
  • Brokerage accounts are taxable accounts
  • Is solar panel installation right for your home?
  • Small-business diversity statistics
  • No-closing-cost mortgages
  • Important considerations for both programs
  • Alternatives
  • Before you apply for a credit card
  • 5. Retirement savings deduction
  • How an installment loan affects your credit
  • 3. The Electronic Federal Tax Payment System (EFTPS)
  • 2023 capital gains tax calculator
  • The bottom line on OpenAI
  • 5 types of IRAs
  • Generali insurance, recapped
  • How do I deal with lottery taxes?
  • 2023 state income tax rates and brackets
  • Is my business required to collect sales tax?
  • How quickly do P2P payments post to the recipient's account?
  • Spendthrift trust cons
  • How to reduce or avoid the federal estate tax
  • Other Roth IRA rules
  • How did we determine the value of Southwest Rapid Rewards points?
  • Return your lease without penalties
  • Lounges coming soon
  • Consumer complaints
  • If you want to buy travel insurance after booking
  • 7. You can — and should! — pay more than the minimum
  • 5. Other expenses
  • How did we determine the value of United miles?
  • How the 9 states with no income tax stack up
  • Compare at a glance: brokered vs. bank CDs
  • What if my scheduled payment date falls on a weekend or a holiday?
  • 12. Get a personal loan
  • 5. Learn about dollar-cost averaging
  • 6. You can compare data points
  • Petal® 2 "Cash Back, No Fees" Visa® Credit Card
  • Does getting a refund on a credit card hurt your credit?
  • Do I have to update my W-4 every year?
  • Total Parent PLUS loan debt
  • Rather than upgrade, consider applying for a new card
  • More passport management tips
  • If you want to pay off your loans more quickly
  • Do: Build a relationship with your lender
  • How to report dividend income on your taxes
  • What if I think I’m a beneficiary but haven’t received a notice?
  • How much does homeowners insurance cost in West Virginia?
  • How do I get a FICO score?
  • What is the LGBTQ+ gender or gender identity pay gap?
  • What part of my income gets taxed by California?
  • Why some cars cost more to insure
  • Traditional IRA withdrawal rules
  • 9. Sell photography
  • How to incorporate market cap in your portfolio
  • Where can I cash a money order?
  • How to find lost luggage on American Airlines
  • Take action before missed payments hurt you
  • How are cryptocurrencies created?
  • 7. Rock your HSA
  • More about Colonial Penn
  • 4. Pay bills on time
  • What is hyperinflation?
  • 5. Find the right mortgage for you
  • What to do with an old 401(k)
  • Is cruise travel insurance worth it?
  • Who counts as a qualifying child for the earned income credit?
  • Step 4: Register and license your business
  • EveryDollar, for simple zero-based budgeting
  • What you can do if you have credit card debt
  • Some helpful links from the IRS
  • Benefits of RSUs
  • 4. Apply for the card that offers you the highest overall value
  • Compare auto insurance rates for 35-year-olds
  • How do you buy Vanguard Index fund shares?
  • Delta Comfort Plus
  • Can (or should) I consolidate my FFELP loan?
  • Global Entry walk-in appointments are possible
  • What else to know about American Airlines Executive Platinum elite status
  • Consumer experience
  • Airline loyalty programs
  • Don’t pay for advance seat selection
  • Is Florida a low-tax state? 
  • Opening new accounts
  • The challenges of traveling with pets
  • How to save on detailing services
  • How much is gap year travel insurance?
  • What's the tax filing deadline for my Georgia state income tax bill?
  • Claiming tax-deductible donations on your tax return
  • Will my booking earn Southwest Rapid Rewards points?
  • Etsy: Best e-commerce platform for crafters
  • Watch out for IRS phone scams
  • Exchange frequently? Consider a multicurrency account
  • Form W-9 vs. W-2
  • Next steps:
  • Global Entry vs. TSA PreCheck cost
  • Is APY variable?
  • Cheapest car insurance after an accident: State Farm
  • How to look up passport numbers recapped
  • Hipcamp: Best for glamping on a budget (or just plain camping)
  • How to apply for borrower defense to repayment
  • 4. Dave: Best for repayment flexibility
  • Who might not benefit from the new IDR plan?
  • What happens if you don’t collect sales tax?
  • What do P2P payments cost?
  • If wage garnishment is a financial burden
  • If you inherit or bequeath something, watch out for capital gains tax
  • Contributing too much to a Roth
  • Citi Simplicity® Card
  • How to earn Hilton Honors points
  • How much money can you put in a Roth IRA?
  • Weight limit for dogs on planes
  • How to pay lower taxes when selling stocks
  • 8. Paying late comes at a high cost
  • How much umbrella insurance do you need?

7. Perform a business financial analysis

  • What if my Social Security payment doesn’t arrive by the expected date?
  • 13. Rent out a room
  • If you want to enroll your family in Global Entry
  • How to protect against inflation
  • Bottom line
  • Mutual fund fees
  • You can’t transfer miles between American and Alaska, but you can use points with either airline to book flights with the other
  • Best life insurance company for consumer experience: Northwestern Mutual
  • 5. Consumers Credit Union: Best for businesses and nonprofits operating in Illinois or Wisconsin
  • The bottom line
  • If you need to temporarily pause payments
  • How to control your dividend tax bill
  • 6. Stick to one driver
  • Are wills made public?
  • What do the approvals mean for Bitcoin?
  • How to set up a spendthrift trust
  • Disney's BoardWalk transportation
  • How to build your credit score
  • Naming your estate as your beneficiary
  • 10. Pet sit
  • Rocket Lawyer: Best customer service
  • Travel insurance for domestic vacations recapped
  • How can I avoid cashier's check fraud?
  • Power and lighting
  • What’s standing in the way?
  • How to add TSA PreCheck to American Airlines
  • Full retirement age for Social Security
  • Can I use Southwest points for Southwest vacation packages?
  • What is a marginal tax rate?
  • When to expect your child tax credit refund
  • How to adjust your Form W-4
  • Where Square falls short
  • Other loan calculators
  • How the electric vehicle tax credit is calculated
  • Pros and cons of personal installment loans
  • Best Android personal expense tracker apps
  • Am I a resident for California state tax purposes?
  • The cost of PCI compliance
  • How to evaluate dividends
  • How much does homeowners insurance cost in Kansas?
  • Why are there so many kinds of cryptocurrency?
  • 8. See if you’re eligible for the earned income tax credit (EITC)
  • What listing agents do
  • The challenge: Multiple offers are common, and first-time buyers have less cash
  • ANA premium economy, recapped
  • Standard deduction for dependents
  • Best custodial Roth IRAs
  • Fresh Start benefits available later — after enrolling
  • 5 best uses of the Alaska Companion Fare
  • 7. Radisson hotels can be booked with Citi points
  • Are these the best dividend stocks?
  • Can I claim the EITC without a child?
  • Seller-paid closing costs
  • Step 5: Get your finances in order
  • Types of gas
  • 6. Self-employment taxes as self-employment tax deductions
  • Capital gains tax rates 2024
  • How to dispute chargebacks
  • Frequently asked questions about P2P payments
  • How to use a Delta Companion Certificate to book a flight
  • Average cost of homeowners insurance in West Virginia by city
  • Which AEGIS plan is best for me?
  • Term life insurance shopping guide
  • 11. Do freelance work
  • When is the new IDR plan available?
  • Navient aims to transfer FFELP loans to MOHELA
  • Where do I offer feedback or send a complaint to American Airlines?
  • Should you invest in AI stocks?
  • The best place to exchange currency at the end of your trip
  • 5. Take off the retirement blinders
  • If you’re considering the Chase Freedom Unlimited®
  • Brokerage accounts vs. IRA
  • Expected college debt for a 2023 high school grad
  • Small-business industry statistics
  • If you qualify for Public Service Loan Forgiveness
  • Learn more about sector ETFs:
  • Grant programs in Cook County and Chicago
  • Jumbo loans and conforming loan limits
  • Walt Disney World vs. Disneyland resorts
  • Finding a car you can afford
  • Drawbacks of RSUs
  • How to estimate taxes for an income tax extension
  • Benefits of an IRA
  • Married, filing separately
  • How to save on car insurance
  • Market capitalization vs. float-adjusted market cap
  • If you want to use the lounges in the Las Vegas airport
  • Is it safe for dogs to fly?
  • Recap: How to get a cashier's check
  • Biden has already forgiven some debt
  • 9. Getting too close to your limit can sink your credit score
  • Can you cancel a Southwest Vacations package?
  • 14. Moonlight as a dog sitter
  • Tires for off-road driving
  • Upgrade Cash Rewards Visa®
  • Step 4. Consider how much you can afford to pay an advisor
  • Who shouldn’t buy non-owner car insurance
  • 7. Use your own insurance
  • Best insurance company for accident forgiveness: Geico
  • IHG hotel brands
  • How to claim tax deductions using IRS mileage rates
  • What are the best Vanguard index funds?
  • Other ways to invest in racial justice
  • How long are money orders good for?
  • What taxes aren’t covered by the SALT deduction?
  • How much does homeowners insurance cost in Oregon?
  • Selling a call option
  • Cheapest for 30-year-old drivers
  • 2024 Georgia state income tax changes

8. Make financial projections

  • Servicing changes are underway
  • Best for travelers with pre-existing medical conditions: Travel Guard by AIG
  • How to claim the earned income tax credit
  • Consequences of a child tax credit error
  • Student loan repayment status
  • How to get an installment loan
  • 5. MoneyLion: Best for existing customers
  • Find local conforming loan limits
  • 3. Credit-building cards
  • Cost of long-term care insurance
  • Other home insurance companies to consider
  • Rent vs. inflation 
  • Drawbacks of QuickBooks Online
  • Recommended gap year travel insurance companies
  • Charitable deductions 2023
  • 5. Dispute credit report errors
  • What is an effective tax rate?
  • Big Cartel: Best platform for small amounts of merchandise
  • Where to exchange currency: Frequently asked questions
  • When can't you take the standard deduction?
  • 15. Become a rideshare or delivery driver
  • You might also like:
  • Can you lose money in mutual funds?
  • Who doesn't count as a tax dependent?
  • Stripe vs. Square: Which one is right for your business?
  • Cheapest car insurance after a DUI: Progressive
  • 4. Debit card
  • Capital gains tax rules and considerations
  • Marriott Homes and Villas: Good for Marriott members seeking more space
  • How applying can affect your loans
  • How upgrades are prioritized
  • The cheapest home insurance in West Virginia
  • Is AEGIS travel insurance worth it?
  • Tips for becoming PCI compliant
  • What happens if you don’t name a beneficiary?
  • 12. Create a podcast
  • Market capitalization vs. enterprise value
  • Average cost of homeowners insurance in Kansas by city
  • 9. Give it away
  • 10. Dealing with credit card fraud isn’t as difficult as it sounds
  • Why is it called the SALT tax? 
  • How much does umbrella insurance cost?
  • Money order tracking
  • Got more questions? We have answers
  • Best life insurance company for coverage amounts: New York Life
  • 6. America First Credit Union: Best for the Mountain West
  • How to claim the federal EV tax credit
  • Apple tag trackers recapped
  • Costs to maintain your trademark
  • Chargeback vs. refund
  • Ways to get the best jumbo mortgage rates
  • Is Disneyland or Disney World better?
  • USAA vs. competitors
  • How to pay estimated taxes
  • How to manage stock trading risks
  • Chase Ultimate Rewards® overview
  • Tracking your mileage
  • Other renters insurance companies to consider
  • The BoardWalk at Disney recapped
  • What borrowers can do while they wait
  • 5 things to know about Georgia state tax
  • Resources for Georgia-based businesses
  • How to reduce taxes owed
  • 16. Cut your insurance premiums
  • Radisson status matches recapped
  • 6. Get preapproved for a mortgage
  • Mutual funds: The bottom line
  • Have private student loans?
  • 7. Business insurance premium deduction
  • Empower Personal Dashboard, for tracking wealth and spending
  • 8. Forgo the extras
  • First-time home buyer programs near Ohio
  • 13. Become a rideshare or delivery driver
  • LegalZoom: Best state-specific legal advice
  • Average cost of homeowners insurance in Oregon by city
  • How to buy umbrella insurance
  • Should I invest in an S&P 500 index fund or S&P 500 ETF?
  • Getting Global Entry or TSA PreCheck for free
  • Tax breaks and credits for claiming a tax dependent
  • State child tax credits
  • Why are California gas prices so high?
  • Personal installment loans for bad credit
  • Route network
  • What do the approvals mean for other crypto investments?
  • So you’ve found the best credit card. What’s next?
  • Companies that offer return-of-premium riders
  • Are cryptocurrencies financial securities, like stocks?
  • How to purchase travel medical insurance
  • How do I reach Southwest vacations customer service?
  • How much is my 2023 standard deduction?
  • Step 5. Vet the financial advisor's background
  • Consequences of an EIC-related error
  • Step 6: Find the right location
  • Grant programs in northern Illinois
  • What to know about West Virginia homeowners insurance
  • Cards that earn American Express Membership Rewards points
  • Credit cards and elite status can improve your overall experience
  • What are the tax rules for a Roth IRA?
  • The cheapest home insurance in Kansas

9. Summarize how your company operates

  • Discover it® Secured Credit Card
  • Small-business outlook statistics
  • Key terms in this story
  • 10 ways to spot IRS scams and impersonators
  • 6. SoLo Funds: Best for peer-to-peer cash advances
  • National first-time home buyer programs
  • How can I sign up?
  • Important considerations when opening a Roth IRA
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  • Changing, adding and removing beneficiaries
  • Summary: 2021 THDA first-time home buyer programs
  • How can I save on new car insurance?
  • Who can sign up for the new repayment plan?
  • 10. Keep a file of your medical expenses
  • 11. If you’re rejected for a credit card, the issuer will tell you why
  • How to add TSA PreCheck to Delta Air Lines
  • Transferring IHG points to friends and family
  • 17. Consolidate your debt
  • What is the $500 credit for other dependents (ODC)?
  • Step 7: Create a rental contract
  • Costs to hire a trademark lawyer
  • 9. Price out prepaid gas
  • Flights to Hawaii, recapped
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  • Citi Rewards+® Card
  • How does return-of-premium life insurance work?
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  • The bottom line: Set realistic expectations
  • 3 best cold wallets
  • Who needs travel health insurance?
  • Shift4Shop: Best e-commerce platform for B2B sales
  • How to choose a credit union for your business accounts
  • 8. Office supplies deduction
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  • Account for the unexpected
  • Awards for QuickBooks Online

10. Add any additional information to an appendix

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  • Child tax credit vs. child and dependent care credit
  • What information do you need to claim the EV tax credit?
  • Best insurance company for having few customer complaints: American Family
  • 3. Sign up for Marriott credit cards and transfer Bonvoy points to United
  • How to earn IHG points
  • 15. Rent out items
  • What to know about Kansas homeowners insurance
  • Who is most likely to rent?
  • The drawbacks of PE ratio analysis
  • 6. Deal with collections accounts
  • 18. Refinance your student loans
  • Best for those who pack expensive equipment: Travel Insured International
  • Can I still get a past year's earned income tax credit?
  • Step 8: Build your operations team
  • Grant programs in central Illinois
  • 10. Walk or ride
  • Local vacation rental management companies: best for supporting small businesses
  • But what if I really do owe the IRS money?
  • What kind of returns does staking offer?
  • If you're ready to start a budget
  • 11. Consider selling those dogs weighing down your portfolio
  • 2023 vs. 2024 standard deduction
  • Choosing the best tires for your car
  • History of the child tax credit
  • W-4 calculator
  • Where to buy non-owner car insurance
  • 5. Choose your payment preferences
  • How to lower trademarking costs
  • Does the president control gas prices?
  • 5. Credit card
  • Travel insurance for delayed luggage compensation
  • 16. Use cash back apps
  • Do Your Own Will: Best free will software
  • American Airlines Executive Platinum elite status recapped
  • Pros and cons of cryptocurrency
  • What to know about Oregon homeowners insurance
  • QuickBooks Online alternatives
  • Transfer Hilton points to airlines
  • Final thoughts on Southwest vacation package
  • 19. Change your cell phone plan
  • 7. Find a real estate agent
  • Student loan forgiveness
  • How to apply
  • How to avoid, reduce or minimize capital gains taxes
  • 7. Klover: Best for no-fee advances
  • California state tax credits
  • How to buy long-term care insurance
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  • Why call options can make sense
  • If you’re considering gap year insurance
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  • Pros and cons of Global Entry, TSA PreCheck
  • Mission Lane Visa® Credit Card
  • Step 9: Create an online presence
  • Fight back: How to report IRS scams
  • Why you need to know your business tax ID number
  • Understanding the IHG award chart — or lack thereof
  • Emotional support animals on planes

Business plan tips and resources

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  • Avoid risky loans
  • 9. Credit card and loan interest deduction
  • PocketGuard, for a simplified budgeting snapshot
  • Is staking the right option?
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  • Compliance resources checklist
  • If you’re considering an upgrade to Delta Comfort Plus
  • Other changes to income-driven repayment in the works
  • 12. Get the timing right
  • Trailing vs. forward PE ratio
  • Don’t expect new defaults for awhile
  • What if you're not eligible?
  • What else to know about Form W-4
  • How does the Israel-Hamas war affect gas prices?
  • Delayed baggage compensation, recapped
  • Where to trade stocks
  • Learn from and work with Black financial professionals
  • Hilton credit cards
  • Rent vs. income
  • How to add TSA PreCheck to United Airlines
  • BigCommerce: Best platform for omnichannel sales
  • Best life insurance company for customer satisfaction: State Farm
  • Step 10: Provide exceptional service
  • 6. Set up billing
  • Grant programs in Metro East Illinois
  • How to choose the best Airbnb alternative
  • 7. Use a secured credit card
  • How much is non-owner car insurance?
  • So, which airline has the best first class in America?
  • How do I use my travel health insurance?
  • 8. Go shopping!
  • EV rebates and incentives
  • What if you don’t have elite status with American Airlines?
  • More about term life insurance
  • Understanding state 'partnership' plans
  • Fabric by Gerber Life: Best online will maker for young families
  • ROP life insurance pros and cons
  • Tips to managing the grant application process
  • Earn even more IHG One Rewards points through partner programs
  • 10. Phone and internet costs deduction
  • Cheapest car insurance for young drivers
  • Best insurance company for financial strength: Auto-Owners
  • 8. Chime: Best for overdraft protection
  • Tips for traveling with a dog
  • How to find additional student loan help
  • Prosper® Card
  • Best for adventurous travelers: World Nomads
  • What are tax deductions?
  • How to find another company's EIN
  • Is the Delta Companion Certificate worth it?
  • OK, what's next?
  • Compare buy now, pay later apps
  • Cryptocurrency legal and tax issues
  • Airlines that allow dogs, cats and other pets, recapped
  • More resources
  • Small-business banking statistics post-SVB failure
  • 6. Same-day wire transfer
  • Final thoughts on the best IHG redemptions
  • Best stocks for beginners
  • Choose the best Delta credit card offer for you
  • Is return-of-premium life insurance worth it?
  • Using PE ratio to analyze the entire market
  • Leasing and the EV tax credit
  • Credit cards that reimburse Global Entry application fees
  • Saving for college can mean using multiple accounts
  • Should you use a buy now, pay later app?
  • In-flight experience
  • What you need to know about limits, exclusions and deductibles
  • 8. Get credit for rent and utility payments
  • Wix: Most customizable e-commerce platform
  • 9. Make an offer
  • What if you booked a seat in basic economy?
  • Compare auto insurance rates for drivers with poor credit
  • Best life insurance company for older applicants: AARP
  • 11. Business travel and meals deduction
  • Your next step
  • Methodology: How we made our pet-friendly airline rankings
  • Honeydue, for budgeting with a partner
  • Pros and cons of loan apps
  • West Virginia insurance department
  • What other services does each will maker offer?
  • Your decision: Is cryptocurrency a good investment?
  • Cheapest for 40-year-old drivers
  • Credit cards that reimburse Clear application fees
  • More about top-rated life insurance companies
  • Adding TSA PreCheck to your flights recapped
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  • Student loan default
  • Cheapest car insurance for senior drivers
  • Final thoughts on American Airlines upgrades
  • The bottom line on investing in stocks
  • California sales tax
  • Are online wills legit?
  • Long-term travel medical insurance options for expats
  • 10. Get a mortgage
  • What are tax write-offs?
  • Clear vs. TSA PreCheck vs. Global Entry
  • 12. Start-up costs deduction
  • Best insurance company for discounts: Amica
  • How do mutual fund profits work?
  • Other ways to write an online will
  • Kansas Insurance Department
  • Oregon insurance department
  • Global Entry application vs. TSA PreCheck
  • Best term life insurance companies of 2024
  • Best for medical coverage: Travelex Insurance Services
  • 7. Check, money order or cashier’s check
  • How to earn elite status with American Airlines
  • 9. Add to your credit mix
  • How to choose an e-commerce platform
  • 4. Earn United miles on credit card bonus categories
  • 6 things to know about California state tax
  • Where to find an airline pet policy
  • Transfer Hilton points to spouse, friends and family
  • Should you get both Clear and Global Entry?
  • Looking for more insurance in Oregon?
  • The bottom line on PE ratio
  • Final thoughts on international medical insurance plans
  • Best whole life insurance companies of 2024
  • Income-driven repayment use
  • Are cash advance apps payday lenders?
  • Overlapping partners between Chase and American Express
  • Capital One Platinum Credit Card
  • 7. Open your Etsy shop
  • 13. Advertising deduction
  • Cheapest car insurance by state
  • How to make money from home
  • Budgeting resources from NerdWallet
  • When considering Delta vs. American
  • Final thoughts on the Alaska Companion Fare
  • How do you claim tax deductions?
  • Alternatives to buy now, pay later
  • How to redeem Honors points
  • More resources on how to travel with a dog
  • Best no medical exam life insurance companies of 2024
  • More small-business data from NerdWallet
  • Are apps like DailyPay and Payactiv cash advance apps?
  • Mutual funds vs. ETFs vs. stocks
  • 11. Get homeowners insurance
  • FAFSA completion
  • How to change or cancel an EIN
  • How to choose the best life insurance company
  • 8. Customize your shop
  • 14. Memberships deduction
  • Methodology to identify the best budget apps
  • AvantCard Credit Card
  • Best insurance company for customer satisfaction: State Farm
  • Alternatives to cash advance apps
  • How to earn Chase Ultimate Rewards® and American Express Membership Rewards points
  • Compare car insurance rates for drivers with an accident
  • 12. Schedule a home inspection
  • Best if you have travel credit card coverage: Seven Corners
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  • 15. The qualified business income deduction
  • Final thoughts on Hilton transfer partners
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  • Advantages and disadvantages of starting a vending machine business
  • Other ways to earn American Express Membership Rewards points
  • 13. Have the home appraised
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  • Blue Cash Everyday® Card from American Express
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  • 14. Negotiate any repairs or credits with the seller
  • 6. Alternative investments
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  • 7. Visit restaurants through MileagePlus dining
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  • 9. Transfer points from hotels to United
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  • Is American elite status worth it?
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  • 11. Reserve vacation homes through Vrbo
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  • 13. Go on a cruise
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  • 16. Purchase flowers
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  • 17. Take online surveys with e-Rewards and Opinion Miles Club
  • 18. Enroll in Emergency Assistance Plus (EA+)
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  • 19. Purchase wine with Vinesse
  • 20. Shop on MyPoints
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  • 21. Order travel documents from VisaCentral
  • 22. Donate to charity
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  • 23. Purchase tickets to Broadway plays
  • 24. Get the Timeshifter app to help with jet lag
  • 25. Take out a home loan through Rocket Mortgage
  • 26. Take out a business loan from MerchantRefi
  • 27. Purchase flying wellness products from Therabody
  • 28. Use energy providers NRG or Reliant
  • 29. Buy a home security system through SimpliSafe
  • 30. Purchase United MileagePlus miles
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A business plan outlines your business’s financial goals and explains how you’ll achieve them over the next three to five years. Here’s a step-by-step guide to writing a business plan that will offer a strong, detailed road map for your business.

Bizee

A business plan is a document that explains what your business does, how it makes money and who its customers are. Internally, writing a business plan should help you clarify your vision and organize your operations. Externally, you can share it with potential lenders and investors to show them you’re on the right track.

Business plans are living documents; it’s OK for them to change over time. Startups may update their business plans often as they figure out who their customers are and what products and services fit them best. Mature companies might only revisit their business plan every few years. Regardless of your business’s age, brush up this document before you apply for a business loan .

» Need help writing? Learn about the best business plan software .

This is your elevator pitch. It should include a mission statement, a brief description of the products or services your business offers and a broad summary of your financial growth plans.

Though the executive summary is the first thing your investors will read, it can be easier to write it last. That way, you can highlight information you’ve identified while writing other sections that go into more detail.

» MORE: How to write an executive summary in 6 steps

Next up is your company description. This should contain basic information like:

Your business’s registered name.

Address of your business location .

Names of key people in the business. Make sure to highlight unique skills or technical expertise among members of your team.

Your company description should also define your business structure — such as a sole proprietorship, partnership or corporation — and include the percent ownership that each owner has and the extent of each owner’s involvement in the company.

Lastly, write a little about the history of your company and the nature of your business now. This prepares the reader to learn about your goals in the next section.

» MORE: How to write a company overview for a business plan

model business plan

The third part of a business plan is an objective statement. This section spells out what you’d like to accomplish, both in the near term and over the coming years.

If you’re looking for a business loan or outside investment, you can use this section to explain how the financing will help your business grow and how you plan to achieve those growth targets. The key is to provide a clear explanation of the opportunity your business presents to the lender.

For example, if your business is launching a second product line, you might explain how the loan will help your company launch that new product and how much you think sales will increase over the next three years as a result.

» MORE: How to write a successful business plan for a loan

In this section, go into detail about the products or services you offer or plan to offer.

You should include the following:

An explanation of how your product or service works.

The pricing model for your product or service.

The typical customers you serve.

Your supply chain and order fulfillment strategy.

You can also discuss current or pending trademarks and patents associated with your product or service.

Lenders and investors will want to know what sets your product apart from your competition. In your market analysis section , explain who your competitors are. Discuss what they do well, and point out what you can do better. If you’re serving a different or underserved market, explain that.

Here, you can address how you plan to persuade customers to buy your products or services, or how you will develop customer loyalty that will lead to repeat business.

Include details about your sales and distribution strategies, including the costs involved in selling each product .

» MORE: R e a d our complete guide to small business marketing

If you’re a startup, you may not have much information on your business financials yet. However, if you’re an existing business, you’ll want to include income or profit-and-loss statements, a balance sheet that lists your assets and debts, and a cash flow statement that shows how cash comes into and goes out of the company.

Accounting software may be able to generate these reports for you. It may also help you calculate metrics such as:

Net profit margin: the percentage of revenue you keep as net income.

Current ratio: the measurement of your liquidity and ability to repay debts.

Accounts receivable turnover ratio: a measurement of how frequently you collect on receivables per year.

This is a great place to include charts and graphs that make it easy for those reading your plan to understand the financial health of your business.

This is a critical part of your business plan if you’re seeking financing or investors. It outlines how your business will generate enough profit to repay the loan or how you will earn a decent return for investors.

Here, you’ll provide your business’s monthly or quarterly sales, expenses and profit estimates over at least a three-year period — with the future numbers assuming you’ve obtained a new loan.

Accuracy is key, so carefully analyze your past financial statements before giving projections. Your goals may be aggressive, but they should also be realistic.

NerdWallet’s picks for setting up your business finances:

The best business checking accounts .

The best business credit cards .

The best accounting software .

Before the end of your business plan, summarize how your business is structured and outline each team’s responsibilities. This will help your readers understand who performs each of the functions you’ve described above — making and selling your products or services — and how much each of those functions cost.

If any of your employees have exceptional skills, you may want to include their resumes to help explain the competitive advantage they give you.

Finally, attach any supporting information or additional materials that you couldn’t fit in elsewhere. That might include:

Licenses and permits.

Equipment leases.

Bank statements.

Details of your personal and business credit history, if you’re seeking financing.

If the appendix is long, you may want to consider adding a table of contents at the beginning of this section.

How much do you need?

with Fundera by NerdWallet

We’ll start with a brief questionnaire to better understand the unique needs of your business.

Once we uncover your personalized matches, our team will consult you on the process moving forward.

Here are some tips to write a detailed, convincing business plan:

Avoid over-optimism: If you’re applying for a business bank loan or professional investment, someone will be reading your business plan closely. Providing unreasonable sales estimates can hurt your chances of approval.

Proofread: Spelling, punctuation and grammatical errors can jump off the page and turn off lenders and prospective investors. If writing and editing aren't your strong suit, you may want to hire a professional business plan writer, copy editor or proofreader.

Use free resources: SCORE is a nonprofit association that offers a large network of volunteer business mentors and experts who can help you write or edit your business plan. The U.S. Small Business Administration’s Small Business Development Centers , which provide free business consulting and help with business plan development, can also be a resource.

On a similar note...

Find small-business financing

Compare multiple lenders that fit your business

One blue credit card on a flat surface with coins on both sides.

How to Build a Detailed Business Plan That Stands Out [Free Template]

AJ Beltis

Updated: March 29, 2022

Published: March 11, 2022

While starting a company may seem easier now than ever before, entrepreneurs have an uphill battle from the moment they start a business. And without a clear, actionable business plan for selling, marketing, finances, and operations, you're almost destined to face significant challenges.

Entrepreneur builds his business plan template

This is why crafting a business plan is an essential step in the entrepreneurial process.

In this post, we'll walk you through the process of filling out your business plan template, like this free, editable version :

free editable One-Page Business Plan PDF  Template

Download a free, editable one-page business plan template.

We know that when looking at a blank page on a laptop screen, the idea of writing your business plan can seem impossible. However, it's a mandatory step to take if you want to turn your business dreams into a reality.

→ Download Now: Free Business Plan Template

That's why we've crafted a business plan template for you to download and use to build your new company. You can download it here for free . It contains prompts for all of the essential parts of a business plan, all of which are elaborated on, below.

This way, you'll be able to show them how organized and well-thought-out your business idea is, and provide them with answers to whatever questions they may have.

model business plan

Free Business Plan Template

The essential document for starting a business -- custom built for your needs.

  • Outline your idea.
  • Pitch to investors.
  • Secure funding.
  • Get to work!

You're all set!

Click this link to access this resource at any time.

Building a Successful Business Plan

In the next section, we'll cover the components of a business plan , such as an executive summary and company description. But before we get to that, let's talk about key elements that should serve as building blocks for your plan.

For some entrepreneurs, the thought of writing a business plan sounds like a chore — a necessary means to an end. But that's a bad take.

A solid business plan is a blueprint for success . It's key to securing financing, presenting your business, outlining your financial projections, and turning that nugget of a business idea into a reality.

At the core, your business plan should answer two questions: why your business and why now?

Investors want to know why your business is entering the market, i.e. what problem it's solving and how it's different from what's currently out there. They also want to know why now is the right time for your type of product or service.

At a minimum, your plan should:

  • Be more realistic than idealistic: Too often, business plans focus too much on how things could be instead of how they are. While having a vision is important, your plan needs to be rooted in research and data.
  • Legitimize your business idea : If an idea fails on paper, it's a signal to go back to the drawing board. In doing so, you avoid losing precious time or money chasing an unrealistic idea.
  • Position your business for funding: To get your business off the ground, chances are you'll need financial backing. Even with a solid business idea, investors, lenders, and banks still need convincing. An effective business plan will outline how much money you need, where it's going, what targets you will hit, and how you plan to repay any debts.
  • Lay the foundation: Investors focus on risk – if anything looks shaky, it could be a dealbreaker. Ideally, your business plan will lay down the foundation for how you'll operate your business — from operational needs to financial projections and goals.
  • Communicate your needs: It's nearly impossible to communicate your needs if you don't know what they are first. Of course, a business’ needs are always changing — but your plan should give you a well-rounded view of how your business will work in the short and long term.

So back to the question of why and why now – consider three things:

  • Your industry – How does your product or service fit within your industry? Are you targeting a specific niche? Where do you see the industry going in the next five to 10 years?
  • Your target audience – Who are you targeting? What challenges are they facing? How will your product or service help them in their daily lives?
  • Your unique selling proposition (USP) – What sets you apart from your competitors? Is it your product/service features? Your company values? Price?

Once you know the answers to these questions, you'll be equipped to answer the question: why your business and why now.

How to Build a Business Plan

  • Executive Summary
  • Company and Business Description
  • Product and Services Line
  • Market Analysis
  • Marketing Plan
  • Legal Notes
  • Financial Considerations

Featured Resource: Free Business Plan Template

1. cover page.

Your business plan should be prefaced with an eye-catching cover page. This means including a high-resolution image of your company logo, followed by your company's name, address, and phone number.

Since this business plan will likely change hands and be seen by multiple investors, you should also provide your own name, role in the business, and email address on the cover page.

At the bottom of this page, you can also add a confidentiality statement to protect against the disclosure of your business details.

The statement can read as follows: " This document contains confidential and proprietary information created by [your company name]. When receiving this document, you agree to keep its content confidential and may only reproduce and/or share it with express written permission of [your company name] ."

Remember to keep your cover page simple and concise — and save the important details for other sections.

Why it matters: First impressions are everything, and a clean cover page is the first step in the right direction.

Example of a Cover Page

Business Plan Template: Cover Page

2. Executive Summary

The executive summary of your business plan provides a one- to two-page overview of your business and highlights the most crucial pieces of your plan, such as your short-term and long-term goals.

The executive summary is essentially a boiled-down version of your entire business plan, so remember to keep this section to the point and filled only with essential information.

Typically, this brief section includes:

  • A mission statement.
  • The company's history and leadership model.
  • An overview of competitive advantage(s).
  • Financial projections.
  • Company goals.
  • An ask from potential investors.

Why it matters: The executive summary is known as the make-or-break section of a business plan. It influences whether investors turn the page or not — so effectively summarizing your business and the problem it hopes to solve is a must.

Think of the Summary as a written elevator pitch (with more detail). While your business plan provides the nitty-gritty details, your Summary describes — in a compelling but matter-of-fact language — the highlights of your plan. If it's too vague, complicated, or fuzzy, you may need to scrap it and start again.

Example of an Executive Summary Introduction

"The future looks bright for North Side Chicago, particularly the Rock Hill Neighborhood. A number of high-end commercial and residential developments are well on their way, along with two new condo developments in nearby neighborhoods.

While the completion of these developments will increase the population within the neighborhood and stimulate the economy, the area lacks an upscale restaurant where residents and visitors can enjoy fine food and drink. Jay Street Lounge and Restaurant will provide such a place."

3. Company & Business Description

In this section, provide a more thorough description of what your company is and why it exists.

Business Plan Template: Business Description

The bulk of the writing in this section should be about your company's purpose – covering what the business will be selling, identifying the target market, and laying out a path to success.

In this portion of your business plan, you can also elaborate on your company's:

  • Mission statement
  • Core values
  • Team and organizational structure

Why it matters: Investors look for great structures and teams in addition to great ideas. This section gives an overview of your businesses' ethos. It's the perfect opportunity to set your business apart from the competition — such as your team's expertise, your unique work culture, and your competitive advantage.

Example of a Values/Mission Statement

"Jay Street Lounge and Restaurant will be the go-to place for people to get a drink or bite in an elegant, upscale atmosphere. The mission is to be North Side's leading restaurant, with the best tasting food and the highest quality service."

3. Product & Services Line

Here's where you'll cover the makeup of your business's product and/or services line. You should provide each product or service's name, its purpose, and a description of how it works (if appropriate). If you own any patents, copyrights, or trademarks, it's essential to include this info too.

Next, add some color to your sales strategy by outlining your pricing model and mark-up amounts.

If you're selling tangible products, you should also explain production and costs, and how you expect these factors to change as you scale.

Why it matters: This section contains the real meat of your business plan. It sets the stage for the problem you hope to solve, your solution, and how your said solution fits in the market.

There's no one-size-fits-all formula for this section. For instance, one plan may delve into its ability to market in a more cost-effective way than the competition, whereas another plan focuses on its key products and their unique features and benefits.

Regardless of your angle, it's critical to convey how your offerings will differ from the competition.

Example of a Product/Service Offering

"The menu at Jay Street Lounge and Restaurant will focus on Moroccan cuisine. The stars of the menu (our specialties) are the Moroccan dishes, such as eggplant zaalouk, seafood bastilla, tagine, and chickpea stew. For those who enjoy American dishes, there will also be a variety of options, from burger sliders and flatbread pizza to grilled steak and salads.

The food at Jay Street will have premium pricing to match its upscale atmosphere. During the summer months, the restaurant will have extra seating on the patio where clients can enjoy a special summer menu. We will be open on all days of the week."

4. Market Analysis

Business Plan Template: Market Analysis

It helps to reference your market research documentation in this section, like a Porter's Five Forces Analysis or a SWOT Analysis ( templates for those are available here ). You can also include them in your appendix.

If your company already has buyer personas, you should include them here as well. If not, you can create them right now using the Make My Persona Tool .

Why it matters: Having an awesome product is, well, awesome — but it isn't enough. Just as important, there must be a market for it.

This section allows you to dig deeper into your market, which segments you want to target, and why. The "why" here is important, since targeting the right segment is critical for the success and growth of your business.

It's easy to get lost (or overwhelmed) in a sea of endless data. For your business plan, narrow your focus by answering the following questions:

  • What is my market? In other words, who are my customers?
  • What segments of the market do I want to target?
  • What's the size of my target market?
  • Is my market likely to grow?
  • How can I increase my market share over time?

Example of a Market Analysis

"Jay Street Lounge and Restaurant will target locals who live and work within the Rock Hill Neighborhood and the greater North Side Chicago area. We will also target the tourists who flock to the many tourist attractions and colleges on the North Side.

We will specifically focus on young to middle-aged adults with an income of $40,000 to $80,000 who are looking for an upscale experience. The general demographics of our target market are women between 20 to 50 years old.

A unique and varied Moroccan-American menu, along with our unique upscale atmosphere, differentiates us from competitors in the area. Jay Street will also set itself apart through its commitment to high-quality food, service, design, and atmosphere."

5. Marketing Plan

Unlike the market analysis section, your marketing plan section should be an explanation of the tactical approach to reaching your aforementioned target audience. List your advertising channels, organic marketing methods, messaging, budget, and any relevant promotional tactics.

If your company has a fully fleshed-out marketing plan, you can attach it in the appendix of your business plan. If not, download this free marketing plan template to outline your strategy.

model business plan

Free Marketing Plan Template

Outline your company's marketing strategy in one simple, coherent plan.

  • Pre-Sectioned Template
  • Completely Customizable
  • Example Prompts
  • Professionally Designed

Why it matters: Marketing is what puts your product in front of your customers. It's not just advertising — it's an investment in your business.

Throwing money into random marketing channels is a haphazard approach, which is why it's essential to do the legwork to create a solid marketing plan.

Here's some good news — by this point, you should have a solid understanding of your target market. Now, it's time to determine how you'll reach them.

Example of a Marketing Plan Overview

"Our marketing strategy will focus on three main initiatives:

  • Social media marketing. We will grow and expand our Facebook and Instagram following through targeted social media ads.
  • Website initiatives. Our website will attract potential visitors by offering updated menus and a calendar of events.
  • Promotional events. Jay Street will have one special theme night per week to attract new clients."

6. Sales Plan

It doesn't matter if your sales department is an office full of business development representatives (BDR) or a dozen stores with your products on their shelves.

The point is: All sales plans are different, so you should clearly outline yours here. Common talking points include your:

  • Sales team structure, and why this structure was chosen.
  • Sales channels.
  • Sales tools, software, and resources.
  • Prospecting strategy.
  • Sales goals and budget.

Like with your marketing plan, it might make sense to attach your completed sales plan to the appendix of your business plan. You can download a template for building your sales plan here .

Why it matters: Among other things, investors are interested in the scalability of your business — which is why growth strategies are a critical part of your business plan.

Your sales plan should describe your plan to attract customers, retain them (if applicable), and, ultimately, grow your business. Be sure to outline what you plan to do given your existing resources and what results you expect from your work.

Example of a Sales Plan Overview

"The most important goal is to ensure financial success for Jay Street Lounge and Restaurant. We believe we can achieve this by offering excellent food, entertainment, and service to our clients.

We are not a low-cost dining option in the area. Instead, the food will have premium pricing to match its upscale feel. The strategy is to give Jay Street a perception of elegance through its food, entertainment, and excellent service."

7. Legal Notes

Your investors may want to know the legal structure of your business, as that could directly impact the risk of their investments. For example, if you're looking for business partners to engage in a non-corporation or LLC partnership, this means they could be on the line for more than their actual investment.

Because this clarification is often needed, explain if you are and/or plan to become a sole proprietor, partnership, corporation, LLC, or other.

You should also outline the steps you have taken (or will need to take) to operate legally. This includes licenses, permits, registrations, and insurance.

The last thing your investor wants to hear after they've sent you a big chunk of change is that you're operating without proper approval from the local, state, or federal government.

Why it matters: The last thing your investor wants to hear after they've sent you a big chunk of change is that you're operating without proper approval from the local, state, or federal government.

Example of Legal Notes

"Jay Street Lounge and Restaurant is up-to-date on all restaurant licenses and health permits. Our business name and logo are registered trademarks, presenting the possibility of expanding locally."

8. Financial Considerations

Ultimately, investors want to know two things:

  • When they will earn their money back.
  • When they will start seeing returns on their initial investment.

That said, be clear, calculated, and convincing in this section. It should cover:

  • Startup costs.
  • Sales forecasts for the next several months/quarters.
  • Break-even analysis for time and dollars.
  • Projected profit and loss (P&L) statement.

Facts and figures are key here, so be as specific as possible with each line item and projection. In addition, explain the "why" behind each of these sections.

However, keep in mind that information overload is a risk, especially when it comes to data. So, if you have pages upon pages of charts and spreadsheets for this section, distill them into a page or two and include the rest of the sheets in the appendix. This section should only focus on key data points.

Why it matters: One of the most important aspects of becoming "investor ready" is knowing your numbers. More importantly, you need to understand how those numbers will enhance your business.

While it's easy to write a number down on paper, it's more important to understand (and communicate) why you need capital, where it's going, and that your evaluation makes sense.

Example of Financial Projections

"Based on our knowledge and experience in the restaurant industry, we have come up with projections for the business.

Starting with an expenditure of $400,000 in year 1, we forecast sales of $1,500,000 and $2,800,000 for years two and three. We expect to achieve a net profit of 15% by year three."

9. Appendix

A detailed and well-developed business plan can range anywhere from 20 to 50 pages, with some even reaching upward of 80.

In many cases, the appendix is the longest section. Why? Because it includes the supportive materials mentioned in previous sections. To avoid disrupting the flow of the business plan with visuals, charts, and spreadsheets, business owners usually add them in the last section, i.e. the appendix.

Aside from what we've already mentioned – marketing plan, sales plan, department budgets, financial documents – you may also want to attach the following in the appendix:

  • Marketing materials
  • Market research data
  • Licensing documentation
  • Branding assets
  • Floor plans for your location
  • Mockups of your product
  • Renderings of your office space or location design

Adding these pieces to the appendix enriches the reader's understanding of your business and proves you've put the work into your business plan without distracting from the main points throughout the plan.

Why it matters: An appendix helps the reader do their due diligence. It contains everything they need to support your business plan.

Keep in mind, however, that an appendix is typically necessary only if you're seeking financing or looking to attract business partners.

Use a Business Plan Template to Get Started

Writing a business plan shouldn't be an insurmountable roadblock to starting a business. Unfortunately, for all too many, it is.

That's why we recommend using our free business plan template. Pre-filled with detailed section prompts for all of the topics in this blog post, we're confident this template will get your business plan started in the right direction.

Editor's note: This post was originally published in June 2017 and has been updated for comprehensiveness.

Business Plan Template

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