When should a business plan for SMEs.

In which the majority of SMEs have to be a business plan. Most often come from the state or condition shall need a business plan, especially when the need for credit from the bank or the financial institution where the business plan is a document for consideration. Or if the operator is in education or training programs such as Project Building New Entrepreneurs (New Entrepreneur Creation - NEC), or the project Business Incubator (Business Incubation) that on completion of training operators to. trainees must have a business plan and presentation before the Board or experts.
 To assess whether the operators to receive Trained by it. Knowledge of effective business planning by the knowledge that has been trained or not, but actually the business plan. It is a necessary to the performance or the business itself. Which does not depend on time or conditions that have been forced to prepare in any way. By the time that operators should have a business plan that Is usually done under circumstances or conditions that are in the business. Because the business plan of the business plan is to succinctly and effectively. A mechanism to build capacity and efficiency in business operations to occur. By the time that should have a business plan and consideration of the preparation. Including the importance that should have a business plan during this time include
I've never had a business plan.
For operators or businesses have not always had a business plan. The business plan is important and useful things for business. Because if the male of the business or have been carefully planned carefully And efficiently.
The business plan will help businesses can Used as a guideline for the management review and analysis of monitoring evaluation of the business. And can predict what will happen to future business. So that business can respond to environmental changes. Or risks that may occur to the business as well. Unfortunately it is very operator or a small number of Thai businesses. Wishing to have a business plan if their business does not have a business plan before.
In some cases, caused by the operators can Business to grow profitably by themselves. Without even require a business plan to manage before. Prevented awareness of the need of the required plan. This usually occurs with small business operators are male planner Or self-management decisions. The number of personnel, not much. But when the business expanded. Of males are often not able to find an effective way. In managing a larger organization. Or solve problems that occur. Or unable to care thoroughly. This has never come from the business plan has been properly And a system before. However, the majority will have to plan on their own business problems. Or until the conditions necessary to obtain financing from banks or financial institutions because of regulations that require a business plan for business credit.
The entrepreneur or business in nature, these often have trouble making. Because the person or business does not always have good planning. Or plan properly before. Including a lack of understanding in the process of planning a business or business plan. When the rush of business in the state plan required. Business plans prepared flawed. And could not tell if the ability of a business or planning of the male. And may cause missed opportunities to access capital they need.
In other cases when the participants in the projects. The need to plan and present a business plan for the course. Entrepreneurs are often part of a business plan perfunctory Or simply fill out the section to complete the structure of the business plan. Just to complete the course under the program. Without the knowledge from training to use in planning their own business at all. This is a story that unfortunately is very So for businesses who have never had a business plan before. The business plan is the correct first step in managing the growth. Strong and sustainable progress in the future.
To borrow money
Is the time for operators to enforce the business plan. Most business plans or may be called almost all the work was done. Are all from the purposes of credit for almost everyone The thing that entrepreneurs or business need or expect from the business plan was prepared in the business plan is a tool that allows you to request a credit limit as They want to.
Than expected from a bank or Financial institution The business plan to evaluate the ability of management or business operators to help reduce the risk of credit to the business. Apart from the collateral is a key tool in reducing the risk of loss. Free of default.
But in fact prepared. Business plan in time for the operators. In addition to the documentation for a loan then. What entrepreneurs or businesses have to focus strongly on the plan. Is planning to use loans obtained to optimize the business, which often is found that the majority of employers do not have a plan about how many. To use funds properly. Although the male of a security or business. Valuable enough to guarantee any such loan.
In some cases, made the loan request, it has too few. Or it may have cost some entrepreneurs neglect Nor predicted previously. The credit line was not enough business. Operations or when a period of time the loan was used to run out before that the problem for entrepreneurs is very
In other cases one credit for more than necessary. The remaining cash on hand than business need. Because entrepreneurs think that if there is cash. This will create a safety And confidence that arise in doing business in the future. Willing to pay the self-interest loans in excess of that.
But what is usually always found is that when operators have excess cash that comes from Such loans. Often used the funds to pay the unrelated business. Whether buying a new car. Buying real estate. Purchase securities. Personal expenses of directors or services. Such speculation. In other words, it is a misuse of money. Or misuse of loan funds to make sure enough business. Which often claims that an "investment" to return. Better to leave cash in dormant bank to wait for interest
They are often found that there are only a small number of cases. The success of such methods. When it is necessary to use the funds to do real business. I usually can not take money from "investors" of the corporate domain. This will be the same problem. The thing that always keep in mind is that the money received from loans. Is a creditor, a bank or financial institution in the business. Unlike commercial creditors of the business. The negotiations may shift or delay repayment of commercial debt if their business. Are experiencing problems.
Whether the business will succeed or fail to profit or loss. Businesses are responsible to pay back debt. To the bank or financial institution that provides loans to schedule. Therefore, the business plan to apply for loans or obtain credit facilities. Need to focus on using the loan to be most effective. Must be able to generate profits. And business must have enough cash. To be able to pay back the loan regularly scheduled under the contract or loan. Since the default with the bank or financial institution to become a NPL is something very bad result for the business. It will enable businesses can not access other sources of funds are all in the future.

Pricing strategy Online.

The problem of SME access to frequently asked on this website is subject to the price.

Due to sales through the Internet. Although there are no borders. Subject to Order. But the problem is that when transportation costs and add value to products. Some customers may feel that "sell high"?

When going back to see the basis of pricing in its sales channels that we normally consider the following three factors.

1. The cost of production.

From raw materials. Transportation of raw materials for processing quality packaging with sales.

2. The price of competitors.

If our products is not entirely new product regardless of the price of competing products on the market. If you compare the quality and similarly we can not be priced higher than they are. If the goods are confident that we have better quality. We were able to do price over competitors. Important to customers. Buyer or feel like it with They are willing to pay higher

3. The action of various

Price consumers pay today is the last. Cost includes the consignment and the many different operations, even the Internet itself. The customer uses a credit card purchase on our website Bank is charged 3-5% of the sale.

These factors. Are the result of the sales price total

But sales on the Internet. To reduce costs in the process to be very different rental location. Sales for utilities, so the cost of this Different types of products can lower the price to normal commercial channels.

Another sales on the Internet that operators do not need to SMEs. Inventory because a large number of samples to try to come. Then release the person to view. If interest is gradually produced. By these methods also help reduce raw material costs as much. When production and can meet the needs of the target spot.

However, if selling tangible. (No software When finished, the buyer can pay immediate download - No shipping cost) the buyer is to pay shipping anyway. Some operators think that will trade in a foreign country Are afraid that if the price but 10 dollars combined shipping cost $ 20 and buyers may not hesitate to purchase the time.

Concept of pricing on the Internet entrepreneurs on the web today. Is divided into two ways.

1. Charged with shipping price.

The average target of shipping destination. And positively with the product. The terms, consumers will not know shipping cost. When estimated price that suits their value and agrees to pay. They decide to buy.

2. Charged with separate delivery price.

This method would be fair to the buyer. Because if the buyer is. Asia, but have to pay shipping. Was included with the product. Buyer and the destination in America. They feel that too expensive. In this case, the seller himself to try to product. To suit. The minimum weight charge transport company to customers. Not feel that Their transportation costs to bear too much like coffee cups plain Weight 200 gram Price U.S. $ 3 fee, but buyer is sending 10 dollars to pay for goods. Just empty coffee cups all 13 coins, but if the seller organized coffee spoon, saucer people even buy a kit to add weight to 500 grams for goods will increase to four dollars, but transportation costs remain the same. Customers who bought this set, coffee cup saucer + spoon + the price 14 dollars will feel more worthwhile.

On these concepts. Entrepreneurs to consider To set the price. Do not forget that the "goods" on the Internet's many buyers the opportunity to compare prices at all times. Some pages with a lot of visitors. But can not sell it. Perhaps be turned to consider the "price" that they set the same. "Buy or be weird."

SMEs take the world market penetration strategy.

From external factors, the market will reach consumers in different countries.

Need to understand concepts and trade policy. International government as a whole. Before that is how. A framework or policy. Promoting international trade do not have any restrictions on what must be conscious.

Strategy to promote exports to most (Maximizing Export) of value-added products (Value Creation) and networking in the world (Global Network) are 3 strategies I used to say to you all. To view images clearly. That the penetration to be the world. How well must begin.

You'll also need consideration. Changes in conditions of environmental factors. To exclude non-trade tax (Non-Tariff Barriers) that often occurs with countries in the European Union A. SMEs will need to know. Protect their intellectual property. By participating in the Convention on intellectual property rights to prevent wear on the trade.

This role will be the burden of office. Commerce International. Head to wait. Convenience for operators. Economic data indicate that the export value of Thai SMEs AG were 1.37 billion baht in export value of over 4.4 million million baht, with key markets in the U.S., the European Union - Latin America and East Asia is. China, Taiwan, South Korea.

So you need to understand how. To access key customer of Thai products. Each region will vary as the United States. Must study and. Understanding consumer behavior, people - Americans have the information because the market area very spacious. Each region is. To use the product not of the same products you will sell it to understand customers' needs first. Moreover, you should have a distribution network well. (Distribution Network) has strategic alliances (Business Partnership) and create efficiency in business management.

In the European Union. Must focus. To negotiate trade policy and trade negotiations through the dryer. Trade agreement. And consider strategies. Of partners (Strategic Partnership) and the transport and distribution better (Logistics & Distribution Center) to increase support. Production increased (Capacity Building), etc..

Key markets in East Asian countries such as China, South Korea, Taiwan, Japan must take advantage of matching business (Business Matching) and measures of growth and trade. Government's investment to benefit. Focused on consumer services sector, such as medical tourism and health care as well as quality. Products continued.

For example, better products to market in this region include textiles, furniture, automotive parts. However, implementation of community strategies and product key. Think of sufficiency economy to use. Remains primarily a good idea to strengthen. And sustainable growth in business. Known to control risk. Have good reason to social and environmental. As well as creating Excellence Chain to reduce costs.

Routine helps push private business grow

Amy's heart to do SMEs use the salary itself is invested. To get started or founded.

The most possible. Before leaving to take a truly routine.

People, especially men pay. Would not deny that it ever would have thought the dream of its own affairs. But both ideas. And a dream to a reality. Would not occur easily.

The more the owners thought were passed with professional employment. Or a regular employee working one of the company. Because their own business venture is not enough to abandon a career on. To start new business enterprises to risk and difficult to do immediately.

The decision to work regularly. And use the bridge regularly. Homing. Helping hand or just learn to stand the matter. It is important and necessary because the routine to help him or her the money customers are market research and personal network. Support change.

Therefore, instructions that. Own business when asked to do a gradual think using "the 5 vertical supportive A. SMEs grow" from the ideas of Eric Weisfeld worm column Coast News Business Week will be available in the. practice for Thai men in salary. And abroad. The gait is thinking ahead. To establish their own business.

Worm Weisfeld emphasized that learning to adapt while also working to eat salary. We always thought that the routine will help build momentum to send the call. A business on the path of SMEs. And will feel better that. Routine does not own the arrest detention.

"When he or she has information. About market demand. And customers in hand. They can modify the data. To assist the business founded by myself, "Daniel Kerr Randy management consultancy of the UK CLS noted.

"To pay a capital contribution A. SMEs".

The first instructions from Gerry Gregory Moore because he has experience in founding companies. That can transfer exchange payment information with information of the patient. Between hospitals and medical clinics, insurance companies.

Moore presented the above ideas with TeraHealth. Software manufacturer first in 2543, the first phase of the support needed. But support A. SMEs from Moore's ideas by this software. Inconsistent and insincere.

Moore did not hold back. Decided to leave. And the salary of the regular work of business development itself. Documentation for marketing assistance. A certificate sales services themselves. Before to set up an office to have the most.

5 years after not wait TeraHealth. And decided to set its new Harbor Healthcare Moore to open business information services to people in the field of public health. By Moore to be revenue within 1 month after its founding.

"A heart made of SMEs is to pay yourself investors. To get started or founded. The most possible. Before leaving to take a truly routine, "said Moore reiterated.

"Change the words to criticize natural part of business plan".

Jeff Willis Gulf Knowles and Cliff La Sim pairs record as an example for this advice in 2544 because both of these former employees of ThinkEngine Networks to install telecommunications equipment company in Boston.

When the old Gulf Company Limited Hydro partner relationship management software. And leave record pairs Cisco sales management. Both work to listen to customers has always been.

When they see the idea of offering our customers with top executives. Receives no response or listen sincerely and Gulf Lisa Noble and La pairs Sponsors record is written business plan to own part-time job. Before leaving the company in 2545 and founded the new company. With savings that have accrued from their own salaries. They named the company that CallMiner.

CallMiner product search can think back to the attractive private investors. Required assistance to the Gulf on capital Lisa Noble. And leave more pairs Sponsors record. And more they are driven to create something new, as customers want more help generate business growth quickly.

"The advantage created by its old reputation."

Worm Weisfeld example Conenars which worked with Dan Lucas, Aart Systems. Video game production company Lucasfilm long as 11 years before leaving. After not receiving support ideas. To starting a new business to differ.

After Conenars Inc. comes out soon. He teamed with colleagues to leave the old one from Lucasfilm as well. To establish its name Tellate. With funds from the compensation received from companies and over 2 years old, then employees of Lucas Aart's leave of one another. Conenars which has 15 employees hired them.

Benefit from the use of the name Lucas R. Tellate States made no difficulties in finding customers. A customer of Lucas Aart's already. The Conenars Inc. recognized. Lucas's reputation Aart's help, he requested $ 1.4 million from venture investors privacy easier.

"Change employers as business partners."

Jeff Hill, Bert is an example of the Mod in organizations. To help turn the unit's one. Near fall to start new successful.

In 2545 Robert Hill, the executive department of design services company Conventor chip design software category. Located in the North Carolina State. Agencies that oversee them have the time to come. It is a good product that can be applicable in wireless phones.

This Hill and Bert noticed that while the parent company with an overview of the problem. But his department still has to enter the work. The orders from many companies. Chip using a mobile phone.

After Convertor problem Bert Hill asked the company to separate departments, he supervised the work. Set out a small company that can stand on its own. He has been approved by the Board of Directors to separate entities away. With a new name that Wispry.

Wispry patented products are now. Totaled U.S. $ 6 million. It is copyrighted intellectual property of other employees are currently 7 people have cash flow in the organization hundreds of thousands of dollars.

Robert Hill today, sitting in the CEO's company Wispry development experts specifically for mobile chips. This helps extend the lifetime of the battery is 20-40% currently has offices located in Irvine. California.

Robert Hill also left instructions that place. Do not rely too much as the parent company. Sooner or later the idea would be starting a new stand and protect themselves.

"Wireline job is a passport to a new business".

Any final recommendations in this case from David Book Spansion new ideas for services. A foundation to start a business that should be survival. After the old business and no survival.

Bookmark Flash working partnership among the City law firm of Phil De La Fiat decade after the end of the year 2533, the company will not seem old tomorrow. Look how they think the process of law filed in local courts. Source of new business for themselves.

The book fashion know. If he can manage the process of creating the lawsuit in court. They can offer leading. And good enough for an attorney general willing to pay. Access to the system. And this process.

And this president to help support law book fashion. The efforts of the staff. By providing this service, separate from the core legal services. Book and let fashion develop new services themselves.

From this perspective. Bookmark this fashion suggest that the owner S. E. M. All are committed as he intends to see that boss or senior executives of a friend as partner friendly home match.

Bookmark Spansion has set up a new company name called. MarketSpan in 2539 by his former law firm is under a 1-year hard work out late partner. A software developer. Products to assist the courts step before another 4 years of 88 law firms from America's top 100 companies. Including the company said an old fashion book. We have signed a new customer service system of book fashion. And the latest CourtLink. Have to acquire many MarketSpan money value of $ 35 million.

10 reasons to prescribe the success of the SMEs

1. Target you can not sell everything to all people. So before you start business.

You need to make decisive decisions and that you intend to sell what the people do.

2. The difference if you know who are competitors and they are doing is. They do not follow him. From the market turn to whether the goods or services which are similar to each other to create new markets unique ล่ะ that your best.

3. Do not build a team to not only employ the vacancy. You should choose to hire people who will be able to be part of a team that will help create more business.

4. Fast time is the most valuable item in the business. If you must ship by Friday. Thursday afternoon trying to send them. Additionally, should call back or answer e-mail client as soon as possible.

5. Say "thank you" the words "thank you" more often from heart to let your customers and employees know that you are grateful they do. Or is it better to try more traditional methods. It is written in handwriting on paper and send them. All together much more impressive.

6. Consistent look and feel but maintain a customer to your business to remain consistent. Customers must receive care as well, whether from any of its employees.

7. Iigmsyam If you think the reason people buy your products because they like the price on product quality. Or warranty is already ล่ะ. The cast is left to think ซะ. Then think how bad they buy because they like you. So when they sell to smile into the equation with the people of Siam.

8. Do not stop thinking that people compare business is like water in the glass to the water. Only half always. So that will add something new into becoming the same with your study efforts to stop learning. Applying new methods to bring competition to be forever.

9. Gradually dim, but not sales growth, but regardless of market or sales. You should be gradual. Market impact before do not need any expensive advertising to pay heavily. Turned to focus on the needs of customers will be better. Doing what is best for customers. Not for yourself!

10. Think outside the box, you must walk out of the box or do something different from what had made any such help, if not used technology in business, then do not fear it. Not to exceed one school.

Open to ideas for success SMEs (1)

When it enters the field of competition then. I believe that. Most operators do not want to lose.

But often find ways to success in business. Evidenced by the marketing strategies in various forms. To generate sales. As well as learning to work from a new idea. When business information for business. Marks this is my offer ideas that will be part of that business success follows.

1. Financial concepts. This is about exploring ideas, capital and profitability. Any business that is not on the ทำการบ้าน. Opportunity to make a successful business can be difficult. Therefore, operators must plan for the financial support over the years. Which have 2 separate issues as follows.

- Although the business capital will not be any impact on sales. But need to focus on capital management, such as lack of liquidity when the business will have difficulty funding the support of the organization. Without sufficient working capital will be looking for capital. Or even about the administration and management of production costs to comply with. Circumstances. The operators need to have a solution in the reduction of expenses for costs such as production increased. Or even material that was imported from Japan. Need to change the imports from other countries to help organizations pay less and use more renewable materials and so on.

- Sales of products focused on sales is often the organizations. Focus well. As a process that enables organizations to create capital and survive. Therefore need to focus on the strategy of selling products by the market regardless of the environment. This means circumstances. Occurred was affecting sales increased or decreased. If the problem results in any period of time. Businesses need strategies that can increase sales by taking into account market and. A major consumer.

นะคะ remember that. Financial concepts that are related to revenues and expenses. Whenever revenues less expenses. I think it's time to adjust processes to increase sales. And make the financial situation of the organization into normal.

2. The concept of process. I have always stressed that the product is critical to the survival of the business. Therefore, operators need to generate ideas to develop and improve their performance. To increase productivity. It is the only way to strengthen the business sustainable. Additionally, a focus on continuous process is dependent on. That affect their capacity to compete. The following factors must be involved.

- Reduce errors and reduce corruption in the production. Businesses need to import raw materials from abroad. The most expensive. Policy work to clear such action carefully. Training, expertise, etc. To be a key way to help organizations survive is not to produce any type of product if the product can reduce the amount of damage and impairment to the standard will reduce costs and. Optimization. Therefore, processes must be planned well in every aspect.

- Reduce time to work. Process that will not take long and reason for any problems. Organizations need to be studied to find a way to edit. If you can reduce the time to create a product from the 1 hour 30-45 minutes per organization will benefit not less so ever.

- Improve focus on the development process continued. Can empower organizations. Due to productivity and quality can compete in the market. Major consumers tend to focus on quality. When competition in the market quality. I think it's time to enhance the process.

Outside of financial concepts and processes and then. Businesses will be able to rely on consumers to track people and read the document page นะคะ that idea on the importance of how to help SMEs S towards success.

Case Studies SMEs build business without capital

Stories of work. The draft form to create your own business. And also trying to fight the obstacles.

Interestingly, it brings hope to write a case study that will be very useful for inspiring ideas for a cock all to see reserve concept to be used. Troubleshooting. Or prevent problems.

With sincere personality disclosed committed believer in the world look good. Looking for opportunities to exit the issue seriously and is committed to enabling as many people know as adults, said lead draft friends SUPPLIER satellite customers believe are confident appreciate your confidence in draft form said Intense. Mr. and create draft proposals have been many such credit limit. SUPPLIER in the IT industry, which are usually difficult and one that is not very convincing is the proposed amount of any purchases from abroad without any collateral. It can be a six-month term credit by 5% charge.


A cost limit. That while the economy is not good business is all very limit. Leave any unused space. There is no income. And someone recommended the draft to make known the owner said limit. When adults talk with the owner set limits on the draft said. For a way of doing business. Detailed vision. After that, the adults who would entertain a visionary character, as mentioned above is significant. And he approved the amount of 50,000,000 baht, he immediately was like that word "barbarian has my gun," said lead draft changes to business immediately with a larger capital in the business than the other 50,000,000 baht. No money is all his own.


After the "draft form limited companies" representing IT products from abroad. Expand sales and increase sales of over 20,000,000 baht per month very successful business making Mr. creating a draft plan to set up manufacturing facilities in Thailand to secure. Reduce product cost. For competitive advantage. When ideas like this are said to make the draft more money immediately. Because the business less than two years, net profit is not much because they have more money for staff development. Established products. The reputation of the company. When the idea to plant a permanent property. Requires the purchase of machinery. Need to buy technology from abroad. Must be added the cost issues and more, he must miss the final sales due to increased sales of IT products in many countries do not have enough capacity to produce the minimum required to have months. months. He will do good for all other factors mentioned above.


With the personality of people with vision. See the world in terms of good. Seeking solutions to problems they do very well as he began traveling exhibition abroad. Look for new products that will be sold For a business alliance. Machinery manufacturers are looking for until one day find eager young entrepreneurs of Hong Kong, which has similar characteristics to make the draft said. Is thought to shift production to developing countries because of special international trade. And Thailand is to have special rules of the fit. When he met with enthusiastic young entrepreneurs as much. Vision goes far different. Problems of technology. Problem finding machines. Problems for international markets. Problems for these material things can be edited. In addition, earnings from exports. Business stability and reduce the cost of importing goods from. When he brought these issues to explain to senior business people listen to all IT business has heard enough export earnings management has a good reliability. You believe or not many people scramble for the investors. We are pleased to partner even add any amount of foreign bankers are proposed to limit collateral over several times.


Not bad for you all to think about the amount of business with no capital myself no. Is possible at that time. There is the actual and the author believes that many business people have this same experience. To extend this is also done and chances are, you just have to be at the right time to do what is legally required to make reliable and not attack others. Opportunities remain for people to see the talent is available and the nouveau riche still occur frequently.