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Consistent growth is essential for success in small business. As a business person you know that rapid growth can outstrip your organisations ability to finance itself. While this writer believes the time-honoured maxim "Neither a borrower nor a lender be" is the safest path. When an opportunity presents itself you have to be able to respond at a moment's notice.

If you must borrow, do it from a position of strength, being prepared is the best armor you can carry.

If you are going to convince a lender of the viability of your plan, your needs and goals must be documented. A business plan (contained in this section) is the first part of this.

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