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Power Up Your Business with Globe’s UNLI Fiber Biz Plan 2499

Team Orange

It has become more apparent that connectivity is truly the backbone of most businesses these days. Whether it’s collaborating with employees, engaging with customers, or keeping up with operations, it’s increasingly important to stay online and digitally-in-touch in order to thrive in this competitive market.

To help micro, small and medium businesses gain a head start and secure a strong foundation with top-notch connectivity, Globe Business launches its most comprehensive internet plan yet, the UNLI Fiber Biz Plan 2499 .

Finding the perfect connectivity solution for MSMEs in Globe’s UNLI Fiber Biz Plan 2499

The UNLI Fiber Biz Plan 2499 is the perfect plan for MSMEs who value quality and speed at an affordable rate. Jam-packed with a slew of unique perks, it will surely help ramp up efficiency across all business touchpoints.

  • Experience undisturbed collaboration with Symmetric Connection . A symmetric internet connection allows business managers to easily upload and send important documents to clients, have a stronger and uninterrupted connection during virtual meetings, and seamlessly collaborate with teammates on GSuite and Microsoft 365 especially in a remote work set-up.
  • Enjoy unlimited landline calls for faster communication . For an additional P59 per month, businesses have the additional edge of reaching customers beyond their vicinity through unlimited calls from a landline to all mobile networks and landlines within the Philippines with the True Unli Landline promo.
  • Save up to P7,200 by redeeming two complimentary WiFi Mesh devices that come with the plan . The innovative gadget promotes better internet connection coverage in workplaces by eliminating dead zones that a normal WiFi modem can’t reach, allowing users to stay connected online in any part of the workspace.
  • Maximize add-on inclusions to boost business operations . Businesses have the option to avail collaboration tools such as Microsoft 365 Business Basic, Google Workspace Business Starter, or a dedicated after-sales support through Globe’s myBusiness Expert to streamline and speed up systems among different areas of the operations.

More UNLI Fiber Biz Plan Offerings to Help Businesses Thrive

Meanwhile, for those looking to fulfill other requirements beyond internet connectivity, Globe Business ’ broadband packages from different price points are also available and can be customized to suit different business needs. The plans start at P1899 for 20 mbps to P9499 for 1 GB—inclusive of free Modem and a free subscription with unlimited calls to Globe & TM on mobile and landline.

MSMEs can also choose between a complimentary one year license & domain of Microsoft 365 or Google Workspace , or 2 pieces of TP-link Wifi Mesh if they subscribe to a plan with an internet speed of 50 mbps and up.

Lastly, for P1000 per month, customers can upgrade to a premium subscription and get a static IP address, which is essential for businesses that use a Virtual Private Network (VPN) or other remote-access solutions to manage employees’ needs much more easily. Customers can also get myBizExpert support, which gives them the ability to tap the expertise of personal Account Managers and receive assistance in handling account, network, billing, or service queries. Similar to the Plan 2499, the option to add P59 monthly for a subscription to True Unli Landline is also available.

Globe Business continues to develop these offerings to assist entrepreneurs in transforming their operations while they adapt and strive to thrive amidst the economic challenges. “ Our UNLI Fiber Biz Plan is part of our commitment at Globe Business to be the reliable partner of our local entrepreneurs in leveling up their business and enabling them to power through changing times ,” said Tin Loya , Globe Business MSME Group Core Product Head.

Team Orange

TEAM ORANGE is Orange Magazine TV's select contributors. It also contains Press Releases. Please follow @OrangeMagTV on Twitter for other updates.

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What is a Business Plan? Definition, Tips, and Templates

AJ Beltis

Published: June 07, 2023

In an era where more than 20% of small enterprises fail in their first year, having a clear, defined, and well-thought-out business plan is a crucial first step for setting up a business for long-term success.

Business plan graphic with business owner, lightbulb, and pens to symbolize coming up with ideas and writing a business plan.

Business plans are a required tool for all entrepreneurs, business owners, business acquirers, and even business school students. But … what exactly is a business plan?

businessplan_0

In this post, we'll explain what a business plan is, the reasons why you'd need one, identify different types of business plans, and what you should include in yours.

What is a business plan?

A business plan is a documented strategy for a business that highlights its goals and its plans for achieving them. It outlines a company's go-to-market plan, financial projections, market research, business purpose, and mission statement. Key staff who are responsible for achieving the goals may also be included in the business plan along with a timeline.

The business plan is an undeniably critical component to getting any company off the ground. It's key to securing financing, documenting your business model, outlining your financial projections, and turning that nugget of a business idea into a reality.

What is a business plan used for?

The purpose of a business plan is three-fold: It summarizes the organization’s strategy in order to execute it long term, secures financing from investors, and helps forecast future business demands.

Business Plan Template [ Download Now ]

businessplan_2

Working on your business plan? Try using our Business Plan Template . Pre-filled with the sections a great business plan needs, the template will give aspiring entrepreneurs a feel for what a business plan is, what should be in it, and how it can be used to establish and grow a business from the ground up.

Purposes of a Business Plan

Chances are, someone drafting a business plan will be doing so for one or more of the following reasons:

1. Securing financing from investors.

Since its contents revolve around how businesses succeed, break even, and turn a profit, a business plan is used as a tool for sourcing capital. This document is an entrepreneur's way of showing potential investors or lenders how their capital will be put to work and how it will help the business thrive.

All banks, investors, and venture capital firms will want to see a business plan before handing over their money, and investors typically expect a 10% ROI or more from the capital they invest in a business.

Therefore, these investors need to know if — and when — they'll be making their money back (and then some). Additionally, they'll want to read about the process and strategy for how the business will reach those financial goals, which is where the context provided by sales, marketing, and operations plans come into play.

2. Documenting a company's strategy and goals.

A business plan should leave no stone unturned.

Business plans can span dozens or even hundreds of pages, affording their drafters the opportunity to explain what a business' goals are and how the business will achieve them.

To show potential investors that they've addressed every question and thought through every possible scenario, entrepreneurs should thoroughly explain their marketing, sales, and operations strategies — from acquiring a physical location for the business to explaining a tactical approach for marketing penetration.

These explanations should ultimately lead to a business' break-even point supported by a sales forecast and financial projections, with the business plan writer being able to speak to the why behind anything outlined in the plan.

what is globe business plan

Free Business Plan Template

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

  • Outline your idea.
  • Pitch to investors.
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Click this link to access this resource at any time.

Free Business Plan [Template]

Fill out the form to access your free business plan., 3. legitimizing a business idea..

Everyone's got a great idea for a company — until they put pen to paper and realize that it's not exactly feasible.

A business plan is an aspiring entrepreneur's way to prove that a business idea is actually worth pursuing.

As entrepreneurs document their go-to-market process, capital needs, and expected return on investment, entrepreneurs likely come across a few hiccups that will make them second guess their strategies and metrics — and that's exactly what the business plan is for.

It ensures an entrepreneur's ducks are in a row before bringing their business idea to the world and reassures the readers that whoever wrote the plan is serious about the idea, having put hours into thinking of the business idea, fleshing out growth tactics, and calculating financial projections.

4. Getting an A in your business class.

Speaking from personal experience, there's a chance you're here to get business plan ideas for your Business 101 class project.

If that's the case, might we suggest checking out this post on How to Write a Business Plan — providing a section-by-section guide on creating your plan?

What does a business plan need to include?

  • Business Plan Subtitle
  • Executive Summary
  • Company Description
  • The Business Opportunity
  • Competitive Analysis
  • Target Market
  • Marketing Plan
  • Financial Summary
  • Funding Requirements

1. Business Plan Subtitle

Every great business plan starts with a captivating title and subtitle. You’ll want to make it clear that the document is, in fact, a business plan, but the subtitle can help tell the story of your business in just a short sentence.

2. Executive Summary

Although this is the last part of the business plan that you’ll write, it’s the first section (and maybe the only section) that stakeholders will read. The executive summary of a business plan sets the stage for the rest of the document. It includes your company’s mission or vision statement, value proposition, and long-term goals.

3. Company Description

This brief part of your business plan will detail your business name, years in operation, key offerings, and positioning statement. You might even add core values or a short history of the company. The company description’s role in a business plan is to introduce your business to the reader in a compelling and concise way.

4. The Business Opportunity

The business opportunity should convince investors that your organization meets the needs of the market in a way that no other company can. This section explains the specific problem your business solves within the marketplace and how it solves them. It will include your value proposition as well as some high-level information about your target market.

businessplan_9

5. Competitive Analysis

Just about every industry has more than one player in the market. Even if your business owns the majority of the market share in your industry or your business concept is the first of its kind, you still have competition. In the competitive analysis section, you’ll take an objective look at the industry landscape to determine where your business fits. A SWOT analysis is an organized way to format this section.

6. Target Market

Who are the core customers of your business and why? The target market portion of your business plan outlines this in detail. The target market should explain the demographics, psychographics, behavioristics, and geographics of the ideal customer.

7. Marketing Plan

Marketing is expansive, and it’ll be tempting to cover every type of marketing possible, but a brief overview of how you’ll market your unique value proposition to your target audience, followed by a tactical plan will suffice.

Think broadly and narrow down from there: Will you focus on a slow-and-steady play where you make an upfront investment in organic customer acquisition? Or will you generate lots of quick customers using a pay-to-play advertising strategy? This kind of information should guide the marketing plan section of your business plan.

8. Financial Summary

Money doesn’t grow on trees and even the most digital, sustainable businesses have expenses. Outlining a financial summary of where your business is currently and where you’d like it to be in the future will substantiate this section. Consider including any monetary information that will give potential investors a glimpse into the financial health of your business. Assets, liabilities, expenses, debt, investments, revenue, and more are all useful adds here.

So, you’ve outlined some great goals, the business opportunity is valid, and the industry is ready for what you have to offer. Who’s responsible for turning all this high-level talk into results? The "team" section of your business plan answers that question by providing an overview of the roles responsible for each goal. Don’t worry if you don’t have every team member on board yet, knowing what roles to hire for is helpful as you seek funding from investors.

10. Funding Requirements

Remember that one of the goals of a business plan is to secure funding from investors, so you’ll need to include funding requirements you’d like them to fulfill. The amount your business needs, for what reasons, and for how long will meet the requirement for this section.

Types of Business Plans

  • Startup Business Plan
  • Feasibility Business Plan
  • Internal Business Plan
  • Strategic Business Plan
  • Business Acquisition Plan
  • Business Repositioning Plan
  • Expansion or Growth Business Plan

There’s no one size fits all business plan as there are several types of businesses in the market today. From startups with just one founder to historic household names that need to stay competitive, every type of business needs a business plan that’s tailored to its needs. Below are a few of the most common types of business plans.

For even more examples, check out these sample business plans to help you write your own .

1. Startup Business Plan

businessplan_7

As one of the most common types of business plans, a startup business plan is for new business ideas. This plan lays the foundation for the eventual success of a business.

The biggest challenge with the startup business plan is that it’s written completely from scratch. Startup business plans often reference existing industry data. They also explain unique business strategies and go-to-market plans.

Because startup business plans expand on an original idea, the contents will vary by the top priority goals.

For example, say a startup is looking for funding. If capital is a priority, this business plan might focus more on financial projections than marketing or company culture.

2. Feasibility Business Plan

businessplan_4

This type of business plan focuses on a single essential aspect of the business — the product or service. It may be part of a startup business plan or a standalone plan for an existing organization. This comprehensive plan may include:

  • A detailed product description
  • Market analysis
  • Technology needs
  • Production needs
  • Financial sources
  • Production operations

According to CBInsights research, 35% of startups fail because of a lack of market need. Another 10% fail because of mistimed products.

Some businesses will complete a feasibility study to explore ideas and narrow product plans to the best choice. They conduct these studies before completing the feasibility business plan. Then the feasibility plan centers on that one product or service.

3. Internal Business Plan

businessplan_5

Internal business plans help leaders communicate company goals, strategy, and performance. This helps the business align and work toward objectives more effectively.

Besides the typical elements in a startup business plan, an internal business plan may also include:

  • Department-specific budgets
  • Target demographic analysis
  • Market size and share of voice analysis
  • Action plans
  • Sustainability plans

Most external-facing business plans focus on raising capital and support for a business. But an internal business plan helps keep the business mission consistent in the face of change.

4. Strategic Business Plan

businessplan_8

Strategic business plans focus on long-term objectives for your business. They usually cover the first three to five years of operations. This is different from the typical startup business plan which focuses on the first one to three years. The audience for this plan is also primarily internal stakeholders.

These types of business plans may include:

  • Relevant data and analysis
  • Assessments of company resources
  • Vision and mission statements

It's important to remember that, while many businesses create a strategic plan before launching, some business owners just jump in. So, this business plan can add value by outlining how your business plans to reach specific goals. This type of planning can also help a business anticipate future challenges.

5. Business Acquisition Plan

businessplan_3

Investors use business plans to acquire existing businesses, too — not just new businesses.

A business acquisition plan may include costs, schedules, or management requirements. This data will come from an acquisition strategy.

A business plan for an existing company will explain:

  • How an acquisition will change its operating model
  • What will stay the same under new ownership
  • Why things will change or stay the same
  • Acquisition planning documentation
  • Timelines for acquisition

Additionally, the business plan should speak to the current state of the business and why it's up for sale.

For example, if someone is purchasing a failing business, the business plan should explain why the business is being purchased. It should also include:

  • What the new owner will do to turn the business around
  • Historic business metrics
  • Sales projections after the acquisition
  • Justification for those projections

6. Business Repositioning Plan

businessplan_6 (1)

When a business wants to avoid acquisition, reposition its brand, or try something new, CEOs or owners will develop a business repositioning plan.

This plan will:

  • Acknowledge the current state of the company.
  • State a vision for the future of the company.
  • Explain why the business needs to reposition itself.
  • Outline a process for how the company will adjust.

Companies planning for a business reposition often do so — proactively or retroactively — due to a shift in market trends and customer needs.

For example, shoe brand AllBirds plans to refocus its brand on core customers and shift its go-to-market strategy. These decisions are a reaction to lackluster sales following product changes and other missteps.

7. Expansion or Growth Business Plan

When your business is ready to expand, a growth business plan creates a useful structure for reaching specific targets.

For example, a successful business expanding into another location can use a growth business plan. This is because it may also mean the business needs to focus on a new target market or generate more capital.

This type of plan usually covers the next year or two of growth. It often references current sales, revenue, and successes. It may also include:

  • SWOT analysis
  • Growth opportunity studies
  • Financial goals and plans
  • Marketing plans
  • Capability planning

These types of business plans will vary by business, but they can help businesses quickly rally around new priorities to drive growth.

Getting Started With Your Business Plan

At the end of the day, a business plan is simply an explanation of a business idea and why it will be successful. The more detail and thought you put into it, the more successful your plan — and the business it outlines — will be.

When writing your business plan, you’ll benefit from extensive research, feedback from your team or board of directors, and a solid template to organize your thoughts. If you need one of these, download HubSpot's Free Business Plan Template below to get started.

Editor's note: This post was originally published in August 2020 and has been updated for comprehensiveness.

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What Is a Business Plan?

Understanding business plans, how to write a business plan, common elements of a business plan, how often should a business plan be updated, the bottom line, business plan: what it is, what's included, and how to write one.

Adam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and behavioral finance. Adam received his master's in economics from The New School for Social Research and his Ph.D. from the University of Wisconsin-Madison in sociology. He is a CFA charterholder as well as holding FINRA Series 7, 55 & 63 licenses. He currently researches and teaches economic sociology and the social studies of finance at the Hebrew University in Jerusalem.

what is globe business plan

A business plan is a document that details a company's goals and how it intends to achieve them. Business plans can be of benefit to both startups and well-established companies. For startups, a business plan can be essential for winning over potential lenders and investors. Established businesses can find one useful for staying on track and not losing sight of their goals. This article explains what an effective business plan needs to include and how to write one.

Key Takeaways

  • A business plan is a document describing a company's business activities and how it plans to achieve its goals.
  • Startup companies use business plans to get off the ground and attract outside investors.
  • For established companies, a business plan can help keep the executive team focused on and working toward the company's short- and long-term objectives.
  • There is no single format that a business plan must follow, but there are certain key elements that most companies will want to include.

Investopedia / Ryan Oakley

Any new business should have a business plan in place prior to beginning operations. In fact, banks and venture capital firms often want to see a business plan before they'll consider making a loan or providing capital to new businesses.

Even if a business isn't looking to raise additional money, a business plan can help it focus on its goals. A 2017 Harvard Business Review article reported that, "Entrepreneurs who write formal plans are 16% more likely to achieve viability than the otherwise identical nonplanning entrepreneurs."

Ideally, a business plan should be reviewed and updated periodically to reflect any goals that have been achieved or that may have changed. An established business that has decided to move in a new direction might create an entirely new business plan for itself.

There are numerous benefits to creating (and sticking to) a well-conceived business plan. These include being able to think through ideas before investing too much money in them and highlighting any potential obstacles to success. A company might also share its business plan with trusted outsiders to get their objective feedback. In addition, a business plan can help keep a company's executive team on the same page about strategic action items and priorities.

Business plans, even among competitors in the same industry, are rarely identical. However, they often have some of the same basic elements, as we describe below.

While it's a good idea to provide as much detail as necessary, it's also important that a business plan be concise enough to hold a reader's attention to the end.

While there are any number of templates that you can use to write a business plan, it's best to try to avoid producing a generic-looking one. Let your plan reflect the unique personality of your business.

Many business plans use some combination of the sections below, with varying levels of detail, depending on the company.

The length of a business plan can vary greatly from business to business. Regardless, it's best to fit the basic information into a 15- to 25-page document. Other crucial elements that take up a lot of space—such as applications for patents—can be referenced in the main document and attached as appendices.

These are some of the most common elements in many business plans:

  • Executive summary: This section introduces the company and includes its mission statement along with relevant information about the company's leadership, employees, operations, and locations.
  • Products and services: Here, the company should describe the products and services it offers or plans to introduce. That might include details on pricing, product lifespan, and unique benefits to the consumer. Other factors that could go into this section include production and manufacturing processes, any relevant patents the company may have, as well as proprietary technology . Information about research and development (R&D) can also be included here.
  • Market analysis: A company needs to have a good handle on the current state of its industry and the existing competition. This section should explain where the company fits in, what types of customers it plans to target, and how easy or difficult it may be to take market share from incumbents.
  • Marketing strategy: This section can describe how the company plans to attract and keep customers, including any anticipated advertising and marketing campaigns. It should also describe the distribution channel or channels it will use to get its products or services to consumers.
  • Financial plans and projections: Established businesses can include financial statements, balance sheets, and other relevant financial information. New businesses can provide financial targets and estimates for the first few years. Your plan might also include any funding requests you're making.

The best business plans aren't generic ones created from easily accessed templates. A company should aim to entice readers with a plan that demonstrates its uniqueness and potential for success.

2 Types of Business Plans

Business plans can take many forms, but they are sometimes divided into two basic categories: traditional and lean startup. According to the U.S. Small Business Administration (SBA) , the traditional business plan is the more common of the two.

  • Traditional business plans : These plans tend to be much longer than lean startup plans and contain considerably more detail. As a result they require more work on the part of the business, but they can also be more persuasive (and reassuring) to potential investors.
  • Lean startup business plans : These use an abbreviated structure that highlights key elements. These business plans are short—as short as one page—and provide only the most basic detail. If a company wants to use this kind of plan, it should be prepared to provide more detail if an investor or a lender requests it.

Why Do Business Plans Fail?

A business plan is not a surefire recipe for success. The plan may have been unrealistic in its assumptions and projections to begin with. Markets and the overall economy might change in ways that couldn't have been foreseen. A competitor might introduce a revolutionary new product or service. All of this calls for building some flexibility into your plan, so you can pivot to a new course if needed.

How frequently a business plan needs to be revised will depend on the nature of the business. A well-established business might want to review its plan once a year and make changes if necessary. A new or fast-growing business in a fiercely competitive market might want to revise it more often, such as quarterly.

What Does a Lean Startup Business Plan Include?

The lean startup business plan is an option when a company prefers to give a quick explanation of its business. For example, a brand-new company may feel that it doesn't have a lot of information to provide yet.

Sections can include: a value proposition ; the company's major activities and advantages; resources such as staff, intellectual property, and capital; a list of partnerships; customer segments; and revenue sources.

A business plan can be useful to companies of all kinds. But as a company grows and the world around it changes, so too should its business plan. So don't think of your business plan as carved in granite but as a living document designed to evolve with your business.

Harvard Business Review. " Research: Writing a Business Plan Makes Your Startup More Likely to Succeed ."

U.S. Small Business Administration. " Write Your Business Plan ."

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what is globe business plan

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Globe myBusiness Fiber Premium Plan 3599

Speeds up to 50 Mbps with daily data allowance, unli Globe calls, and 1 Free Static IP

what is globe business plan

₱3,599.00 /month

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  • Your Business
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Don’t wait for you or your staff to experience downtimes or slow broadband speed while at work. With Globe myBusiness Fiber Premium Plan 3599 you don’t have to sacrifice the quality of your internet connection due to high cost. With a relatively affordable monthly service fee for a business package, it offers the best solution encountered by growing businesses in terms of expanding their workforce along with the increased bandwidth demand that comes with it. From large file transfers to live video conferencing, this plan is capable of handling most of what businesses expect from their ISPs.

Breakaway From The Pack

Designed for businesses that are looking to expand at the soonest sign of opportunity, Globe myBusiness Broadband Premium Plan 3599 is a solid package that every business owner should consider on their list of options. With fast speed that is more than capable in performing daily office tasks, this is definitely not your entry-level plan with specs that can only do basic functions. Rather, this package can be considered as a starting point that can accommodate mid-size to large companies. And with fiber optic connectivity, reliability is not an issue with technology that is considered stronger and less prone to disruptions due to bad weather conditions.

Broadband Package Features

Achieve high-speed fiber internet with speeds reaching up to 50 Mbps! Aside from the fast connection, you will also be allocated with a daily data allowance to facilitate better monitoring and control of your data use. Your company will be provided with 1 static IP address that offers a secure connection for better network security for all of your online and server related tasks. This subscription includes unlimited calls to other Globe and TM subscribers. As part of the package, you will also receive a G suite plus a custom domain for your business use.

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How to Write a Business Plan, Step by Step

Rosalie Murphy

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

What is a business plan?

1. write an executive summary, 2. describe your company, 3. state your business goals, 4. describe your products and services, 5. do your market research, 6. outline your marketing and sales plan, 7. perform a business financial analysis, 8. make financial projections, 9. summarize how your company operates, 10. add any additional information to an appendix, business plan tips and resources.

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

what is globe 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.

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Spousal RRSPs still have a place in clever planning

Tim Cestnick

Last Friday, I came home after work and Carolyn said to me, “Let’s go out tonight and have some fun.”

“Sounds good to me,” I replied. “If you get back before me, just leave the light on.”

Now, as it turns out, we did end up going out – together. I think we’re pretty good at doing things as a couple on a regular basis. This includes regular date nights, and even saving for retirement. That’s right. We’re co-ordinating our savings by using a spousal RRSP in our planning. Some people wonder why. Let me explain.

In perfect world, you and your spouse – if you have one – should have equal incomes throughout your lives. The reason? You’ll pay less tax as a couple if your income is split about equally than if one of you has a disproportionately higher income.

When it comes to income in retirement, it’s a little easier to split income thanks to the pension income-splitting rules. These rules were introduced in 2007 and they allow you to deduct up to one half of your eligible pension income on your tax return and report it on your spouse’s return. Eligible pension income includes, most commonly, payments from a work pension plan (but not CPP benefits). And if you’re age 65 or older at the end of the year, it can also include payments out of a registered retirement income fund (RRIF) or annuity payments out of an RRSP , among a few other less common amounts.

With these rules in place, many people no longer see the benefit of using spousal RRSPs. A spousal RRSP allows a contributing spouse to claim a deduction for contributions to the spousal plan, and for the other spouse – called the annuitant – to be taxed on withdrawals from the plan. But is there still a role for spousal RRSPs? Absolutely.

The reasons

Consider these seven reasons to use a spousal RRSP in your planning.

Avoiding the attribution rules. Some people simply give their spouse money to make contributions to the recipient’s RRSP. The problem? The attribution rules could be used to tax withdrawals in the hands of the spouse who gave the money. The Canada Revenue Agency considers an RRSP to be “property,” with the result that any withdrawals from an RRSP are considered to be “income from property,” to which the attribution rules apply. A spousal RRSP can avoid these rules if used properly.

Enhancing income splitting. The pension splitting rules may not achieve equal incomes in retirement if one spouse has other non-registered investment income in retirement that can’t be split. If the higher-income spouse contributes regularly to a spousal RRSP during his or her working years, it could become easier to equalize incomes in retirement.

Enabling different retirement dates. If you and your spouse retire in different years it could be that the higher-income spouse may not make withdrawals or receive eligible pension income that can be split. Building up an RRSP for the spouse that plans to retire first could make sense, and a spousal RRSP could be the vehicle to allow this to happen.

Facilitating low-income years. While an RRSP is primarily used for retirement, a spousal RRSP could also be used to provide income to the lower-income spouse if they’ll experience some years of little or no income – such as during a sabbatical, parental leave or a period of unemployment. Make sure you consider the special rules that will tax withdrawals from a spousal RRSP in the hands of the contributor to the extent contributions have been made in the year of the withdrawal or the two prior years.

Making withdrawals before age 65. If both spouses retire before age 65 and you need to make withdrawals from your RRSP or RRIF, you won’t be able to split that income until age 65. So, it could make sense to withdraw from a spousal RRSP or RRIF owned by the lower-income spouse. If all the RRSP or RRIF assets are in the higher-income spouse’s name, withdrawals before age 65 will be taxed in their hands at a higher rate.

Using the HBP or LLP. Do you plan to make RRSP withdrawals under the Home Buyers’ Plan (HBP) or Lifelong Learning Plan (LLP)? Both spouses could use these plans if both have RRSPs. Setting up a spousal RRSP could allow for both spouses to have an RRSP even if just one spouse has earned income to make contributions, and thereby enable both spouses to participate in the HBP or LLP.

Contributing after age 71. You won’t be able to make contributions to your own RRSP after the year in which you reach age 71 since your RRSP won’t be around beyond that year. But you can contribute to a spousal RRSP if your spouse is age 71 or younger in the year.

Tim Cestnick, FCPA, FCA, CPA(IL), CFP, TEP, is an author, and co-founder and CEO of Our Family Office Inc. He can be reached at [email protected] .

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‘No winners here’: Milton residents voted down a plan for more housing. But the state isn’t our colonial overlord.

To those neighbors who voted “no,” please come up with a plan to comply. this isn’t the boston tea party..

Milton residents voted down a controversial plan on Feb. 14 that would have opened key sections of the town to more housing development.

When the results of the Milton housing vote came in Wednesday night, I texted someone from the No camp “Congratulations.”

He replied: “No winners here.”

The contentious fight over creating housing has come to my backyard in Milton. All eyes were on our town of 28,000 residents Wednesday as we voted on whether to comply with the state’s ambitious housing law, which mandates that cities and towns served by transit lines zone for multifamily housing.

Other communities close to Boston approved new land-use rules last year that put them in compliance with the MBTA Communities Act.

Except Milton.

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Even though our Town Meeting overwhelmingly approved a new zoning plan in December, opponents forced a referendum that has pitted neighbor against neighbor . The issue: what role our town should play in helping to alleviate the state’s housing crisis.

No notched a decisive victory with about 54 percent of the nearly 9,500 votes cast.

I would hope the No side, organized under the name Residents for Thoughtful Zoning , remains committed to drawing up a land-use plan that puts the town in compliance with the state law. This has to be done starting now, not next year, not when-we-get-to-it.

I worry — high off this victory — the No movement will decide to defy the law altogether just to see what would happen.

Would Attorney General Andrea Joy Campbell make good on her threat to sue the town for failing to comply with the law? Would Governor Maura Healey punish Milton by denying us state grants ? Would they have any other choice, given the message that inaction would send to other communities?

What a mess.

Our town seemed on track to comply. A new zoning plan would have permitted at least 2,461 new units of multifamily housing. Far fewer units are expected to get built but the furor over the plan — and the fears of increased congestion and lower property values — obscured a key element of the debate: The town is only required to devise new zoning, not approve new developments. The town still has a role in deciding what gets built.

Residents in East Milton — where the bulk of new multifamily zoning were proposed — became ground zero for the No campaign. Voters in those precincts came out in force on Wednesday, with No winning by as much as a 4-to-1 margin.

To those neighbors who voted no, please don’t think of this as your Boston Tea Party. The state is not our colonial overlord. This is about working together to solve a housing crisis that threatens the state’s economic future. It’s about kids growing up in Milton being able to stay in their hometown when they have families. If we don’t start building more homes, the young and talented will flock to more affordable states.

Full disclosure: I voted yes . I love living in Milton and I want to give others the same opportunity. Our housing inventory is notoriously low and home prices have soared over the past decade — putting them out of reach for middle-class families that have long been the bedrock of the community.

So here’s my message to the No and Yes campaigns: Let’s put away all the lawn signs and rhetoric and get to work. Let’s design a new zoning plan that doesn’t concentrate the new housing near East Milton, which is far away from transit.

This process shouldn’t take months, maybe weeks at best. We are not starting from scratch.

No town likes to be told by the state what to do. New Englanders are famously protective of local control. But this is not the time to just rise up. It’s a moment to rise to the occasion.

Shirley Leung is a Business columnist and host of the Globe Opinion podcast “Say More with Shirley Leung.” Find the podcast on Apple , Spotify , and globe.com/saymore . Follow her on Threads @shirley02186

Shirley Leung is a Business columnist. She can be reached at [email protected] .

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Nigeria’s currency crises to be chipped at with a $10 billion fund

The Nigerian government has revealed plans to address its ongoing currency challenges by seeking $10 billion in funding. In a nutshell, the plan is to bolster liquidity in the foreign exchange market, in light of the Nigerian Naira's devaluation to a historic low of N1850/$1. The government intends to raise this fund, alongside plans to properly manage its assets and as a result, solve some of Nigeria’s economic challenges.

Nigeria’s currency crises to be chipped at with a $10 billion fund

  • Nigeria aims to raise $10 billion to enhance liquidity in the foreign exchange market.
  • The government emphasized proper asset management to tackle economic challenges and stabilize the Naira.
  • They also mentioned that transparency and accountability are pivotal for maximizing returns and funding key sectors like education and healthcare.

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The Punch newspaper reported that the announcement was made by Vice President Kashim Shettima, who spoke on behalf of President Bola Tinubu, during the inaugural Public Wealth Management Conference held in Abuja, the capital city, on Tuesday.

This idea was also elaborated on by the Senior Special Assistant to the President of Media & Communications, Stanley Nkwocha in a statement on Tuesday.

He stated: “The Federal Government set a goal to raise at least $10bn in order to increase foreign exchange liquidity, a key ingredient to stabilize the naira and grow the economy.”

He also noted that proper management of assets is paramount in growing the country’s GDP.

“At the core of this is ensuring optimal management of the assets and investments of the Federal Government towards unlocking their revenue potential. This includes our bold and achievable plan to double the GDP growth rate and significantly increase the GDP base over the next 8 years,” the Senior Special Assistant said.

Transparency and accountability are the pain points the president touched on noting that these principles are key to increasing the country’s returns via improved corporate governance, innovative partnerships, and free-flowing investment capital.

These increased returns would be used for “crucial funding for education, healthcare, housing, power, roads, and other areas vital to lifting millions out of poverty and stimulating sustainable economic development and job creation for the youth,” according to the president.

On Monday., it was reported that the Naira which has been in a freefall since the year began crossed the 2000 mark against the British Pound, at which point the Naira was trading at N1,673/$1.

Even though the country’s Economic and Financial Crimes Commission had disrupted the Bureau de Change operators, in Abuja and arrested 50 illegal operators, in less than a day from Monday, the Naira jumped to N1,850 per dollar, causing an even louder uproar in the forex market.

The Nigerian currency has simply failed to catch a break since the president of the country floated the currency and eliminated fuel subsidies.

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President Tinubu dismisses the Vice President’s proposed food plans

[L-R] Engr. Chris Ijeli, Managing Director/CEO, Dorman Long Engineering; Dr Timi Austen-Peters, Chairman, DormanLong Engineering; Mrs Aisha Rimi, Executive Secretary/CEO, Nigerian Investment Promotion Council (NIPC); MrsToyin Saraki, Founder-President of Wellbeing Foundation Africa (WBFA); and H.E Uba Maigari Ahmadu, Minister ofState for Steel Development unveiling Dorman Long Engineering’s new brand identity during its 75thAnniversary reception.

Nigerian industrial powerhouse, Dorman Long Engineering, celebrates 75 years of partnerships and progress

10 african countries with the strongest currencies in 2024.

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Pulse Seismic Inc. Enters Into Automatic Share Purchase Plan

CALGARY, Alberta, Feb. 20, 2024 (GLOBE NEWSWIRE) -- Pulse Seismic Inc. (TSX:PSD) (OTCQX:PLSDF) (“Pulse” or the “Company”) announces that it has entered into an automatic share purchase plan (“ASPP”) with a broker, in order to facilitate repurchases of Pulse’s common shares under its previously announced normal course issuer bid (“NCIB”).

Pulse previously announced that it had received approval from the Toronto Stock Exchange (“TSX”) to, during the 12-month period commencing December 20, 2023, and terminating December 19, 2024, purchase up to 2,957,406 common shares, representing 10% of the public float of 29,574,064 common shares outstanding as of December 13, 2023, by way of a NCIB on the TSX and/or through alternative trading platforms. Since the beginning of the NCIB on December 20, 2023, the Company has purchased 634,400 common shares at a weighted average price per shares of $1.88 for a total of $1.2 million. All common shares purchased under the NCIB have been cancelled.

During the effective period of its ASPP, Pulse’s broker, Peters and Co. Limited, may purchase common shares at times when Pulse would not be active in the market due to regulatory restrictions, including insider trading rules, and Pulse’s own internal trading blackout periods. Purchases will be made by Pulse’s broker based on parameters set by Pulse when it is not in possession of any material non-public information about the Company or its securities, and in accordance with the limits and other terms of the ASPP. The ASPP has been entered into in accordance with the requirements of applicable Canadian securities laws.

CORPORATE PROFILE

Pulse is a market leader in the acquisition, marketing and licensing of 2D and 3D seismic data to the western Canadian energy sector. Pulse owns the largest licensable seismic data library in Canada, currently consisting of approximately 65,310 square kilometres of 3D seismic and 829,207 kilometres of 2D seismic. The library extensively covers the Western Canada Sedimentary Basin, where most of Canada’s oil and natural gas exploration and development occur.

For further information, please contact: Neal Coleman , President and CEO Or Pamela Wicks , VP Finance and CFO

Tel.: 403-237-5559 Toll-free: 1-877-460-5559 E-mail: [email protected] Please visit our website at www.pulseseismic.com

Source: Pulse Seismic Inc.

PDF available: https://ml.globenewswire.com/Resource/Download/d2550d20-05e2-4631-96a9-dc24a0fdba97

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