help them over rough spots in their planning, which is the most gratifying part of the experience for me. My business is helping people write business plans and find money for their businesses. Call me at 510-533-1088 and Ill listen or help if I can. You can also email me at mckeever@ccnet.com     Finally, to avoid always using the pronoun "he" when referring to individuals in general, and to further avoid clumsy neologisms like "s/he" and awkward phraseologies like "he/she" and "he or she," I have compromised by the random use of "he" in some instances and "she" in others. I hope I have arrived at a fair balance. Chapter 1: Benefits of Writing a Business Plan     "Marry in haste, repent at leisure."   (proverb)     "A stitch in time saves nine."   (proverb)     A. What Is a Business Plan?     A business plan is a written statement that describes and analyzes your business and gives detailed projections about its future. A business plan also covers the financial aspects of starting or expanding your business-how much money you need and how youll pay it back.     Writing a business plan is a lot of work. So why take the time to write one? The best answer is the wisdom gained by literally millions of business owners just like you. Almost without exception, each business owner with a plan is pleased she has one, and each owner without a plan wishes he had written one. B. Why Write a Business Plan?     Here are some of the specific and immediate benefits you will derive from writing your business plan.     1. Helps You Get Money     Most lenders or investors require a written business plan before they will consider your proposal seriously. Even some landlords require a sound business plan before they will lease you space. Before making a commitment to you, they want to see that you have thought through critical issues facing you as a business owner and that you really understand your business. They also want to make sure your business has a good chance of succeeding.     In my experience, about 35% to 40% of the people currently in business do not know how money flows through their business. Writing a business plan with this book teaches you where money comes from and where it goes. Is it any wonder that your backers want to see your plan before they consider your financial request?     There are as many potential lenders and investors as there are prospective business owners. If you have a thoroughly thought out business and financial plan that demonstrates a good likelihood of success and you are persistent, you will find the money you need. Of course, it may take longer than you expect and require more work than you expect, but you will ultimately be successful if you