Amazingly enough, Matt Coffin, founder and CEO of LowerMyBills.com used a 10-page PowerPoint presentation to secure $4 million in funding from investors. Several other start-up entrepreneurs have indicated that they would prefer to pitch their ideas through a presentation that doesn't include an actual business plan.
令人十分惊奇的是,LowerMyBills.com的创建者,也是执行总裁Matt Coffin曾经用一份10页的幻灯片的陈述从投资者那里得到了4百万美元的投资。很多创业家都表明他们更愿意通过一份不包括实际商业计划的陈述来表达他们的想法。

Who Does Need a Formal Business Plan Then?
那么,谁真正需要一份正式的商业计划呢?

If you'll need outside funding in order to start your home business, you should expect to prepare a small business plan. Especially if you're planning to secure funding through a US Small Business Administration (SBA) approved lender, but really for any commercial lender and even for many who are seeking venture capital or angel investor funding. But in that case, the most important thing is that you know what you're talking about and that you've thought through your business idea carefully and have at least some reliable data to support the likelihood that you could be successful.
如果你需要外部资金才能开创自己的事业的话,那么你就要准备好一份商业计划。特别是如果你计划表面上是想获得到美国小企业管理局(SBA)的投资,其实是想得到商业投资者,或那些寻求风险投资的资本家、天使投资基金会的投资的话,你就更需要一份商业计划了。但是这种情况下,最重要的是你明白自己谈论的是什么,仔细考虑你的商业设想,并至少拥有一些有说服力的数据来证实你确实有成功的可能性。

You Still Need to Plan Your Business
你仍然需要去规划你的事业

I'm not saying that it's not important to plan before you start a business- it is critical. You still need to know if there's a market for you products or services and you still need to know what the financial potential, startup costs and breakeven point will be.
我并不是说在你创业之前有整盘计划并不重要,事实上的确很重要。你仍然要调查清楚你的产品和服务是否有市场需求,你也要清楚企业的财政潜力,创业成本,以及可能的盈亏平衡点。

You also need to have a good idea of how you're going to deliver your products and services and you need to set up a system for keeping good business records. You still need to know what legal restrictions or requirements are in place for your home business idea and you need to plan for how you will handle cash flow and taxes.
你仍然需要有该怎样发布产品/服务的好主意,你也需要建立为良好的业务备案的记录系统。你仍然需要知道创建家庭事业有哪些法律限制和要求,要计划好如何处理现金流量问题和税务问题。

The real issue then is not whether you need to plan before you start a home business - you must - but whether you need to take the time and effort to develop a formal business plan document. What would be more important is that you understand your target market and that you establish measurable goals for your business. Then, once you're up and running keep track of how you're doing, make necessary adjustments and learn from your mistakes.
那么,真正的问题就不是创业前是否需要一份商业计划,而是是否有必要花时间和精力去建立一份正式的商业计划文档。重要的是了解你的目标市场,为你的事业建立可衡量的目标。接下来,在创业开始之后,就可以对自己所做的事情进行追踪记录,做出必要的调整,从错误中学习。

Planning Ahead
提前计划

There's nothing stopping you from preparing a business plan later on - after you've learned from some of your mistakes, you have a better feel for the viability of your market and the potential for income and the resources you'll need to continue to succeed. In fact, you may find it useful to set up the outline for your business plan and fill in the details as they become apparent to you. In the meantime, try to make some money and learn what it will take to make your business a success.
在从自己的一些错误中学习后,便没有什么能够阻止你准备一份商业计划了,这时候,你有了更好的市场生存能力,也能够更好的认知自己需要哪些资源才能取得成功。实际上,你可能会发现提前制定商业计划大纲,在事情发生后再补上细节问题的方法是很有效的。同时,努力赚一些钱,学习学习什么可以让你的事业成功。

Don't forget too, that if you're thinking of buying a franchise or other type of business opportunity you most definitely need to research that opportunity thoroughly before you invest your hard-earned savings in what could turn out to be a loser.
有一点也不要忘记了,如果你考虑购买特许经营权或其他类型的商业,在你将自己辛苦挣得的钱投资前,一定要做好充分的调查,否则所有的努力可能付诸东流。

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