* YOUR FIRST BUSINESS PLAN

                This next program covers a topic that is critically important with the start-up process of a small business and can also be beneficial to existing businesses that may be ready to expand.  After you have proven the feasibility of your concept, limited your risk, analyzed your financials, and developed a marketing plan – how do you package all of this information together so you can really get your business started?
 
                Our team of expert advisors enjoy working with people who are ready to get their businesses started.  Developing a winning business plan can be invaluable as a management planning tool and/or as a loan proposal.  The business plan becomes the blueprint that an entrepreneur can follow to avoid the pitfalls that await every small business owner.  This program is designed to guide the participants on a step by step journey to develop a thorough and comprehensive Business Plan. 
 
Topics that will be included are:
                •  What a banker looks for in a business plan
                •  Defining the business
                •  Describing the target markets
                •  The marketing/advertising program
                •  Projected balance sheets
                •  Projected income statements
                •  Projected cash flow projections
 
                The business advisors for this presentation each have many years of experience in advising small business owners.  Ample time will be provided for questions from the audience.
 
SPEAKERS:
GEORGE ISAAC, CPA, Owner, George J. Isaac, CPA, Worcester, MA
DEANNA MILLS, Vice President, Hometown Bank, Oxford, MA
MICHAEL HOLBROOK, Senior Management Counselor,
  Small Business Development Center, Clark University, Worcester, MA
 
TIME:  8:45 a.m. - 12:00 noon
PLACE:  Clark University, Grace Conference Room, Higgins University Center
 
Sponsored by Fidelity Bank, People’s United Bank, and Webster Five Cents Savings Bank
 
Thursday, November 21, 2013