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.

Business plan with owner

Many people do not know boss business plan. To work for many years. But still never made a business plan before.
Some people have not seen a replay. It is surprising but true that not be possible. But it is already. Overseas General. (Except certain countries), every owner must ทั้งนั้น own business plan. Although not a writer. No claims that the account owner does not own good must be business people who understand themselves as possible. No one will understand what the page better than they have. Can not write to each other instead.

Map of Business Business Plan ....

I am surprised that many people never boss business plan before. The authors claim that many backward. Or no understanding of accounting. Or do not know the plan. But that's not all claims. Because prior to doing business. Everyone must think and think again. And crystallization of ideas to be set forth. Like to sell anything to anyone. When you begin. How many people will be hired. What position do. How much total investment. Made cost-effective or not. If not enough money to make money will come from, etc. That is what good business plan.

But that is not written down in writing it does not mean that doing business without a plan. Many people see a business plan is a tool to borrow money from financial institutions only. That is merely a part. Not a single business plan objectives.

If the bankers own lending money to people they do business must know what he took to be together to do just that confident he will do well. Will have enough money to pay interest or principal when not. In addition to bank said. Who wants to see some ล่ะ business plans. Least business partners. He will not believe the words that explain nothing as constant as the main base. In addition, the owner himself to see the business plan. Will see an overview of business without omissions. Who has another important role that they deserve to see the company's business plan. Are senior executives. The middle of the company. Waterman these people is that the lieutenant business owner to reach the goal. These people must be involved in the business plan. At least they must have realized the details of the plan. To be driving business to the path set to boss.

Business plan must be written down.

I asked what was planned or not. There are many times that has never answered that hardly believe what was not planning to all. Fact, we plan every day. Almost every minute is all that matters. Since plans from home. A rainy day. You would think the car must be certain. They must run away from home early. Will not work to call. Or some people have to call. No appointment and what they might call from home to all. To avoid traffic jam, etc. We plan together, from small to big issues. But seldom written down.

For the business plan. Not not write. Because it involved many people. Also last for long. If no written note is not little. Or climate change. The new mood. They may think it is another to have. Need to write down everyone understands match. They must understand themselves match itself when the same plan. Otherwise work to maintain some of the symptoms was indeed distorted.

Are questions that. If business plans fail in the hands of competitors may be harmful to business. This is not worrisome players. As long as the numbers and important information does not appear in the plan clearly. (Normally would not have written clearly that size) that would not be concerned because. Who know the business best. Is the author who plans to practice only. People often do not understand well the size. In addition. Over the plan to become a letter to hand competitors. Long as it is to be obsolete already. Businesses may already be starting too. Like the white man his. Business plans are obsolete from the printers. What then is to fear.

Economic crisis this business to do what?

I offer thoughts on each topic to the Thai people thought to be very positive.
During this economy. In addition to very positive thinking and to do the same with positive thinking have suggestions following.


1) must be diligent and attentive in the moment, no more than several times the crisis.

2) to decide the issues to be faster and if that is what their decisions would not be required to revise as soon as soon.

3) be close to many different situations and ready to adapt to keep pace with changes of circumstances. As well as changes by competitors.

4) have initiated a new thing. Using much more creative use of investments.

5) must be initiated to monitor the result that much of how to customize and ready to work more.

6) need new ideas. Management during the crisis in the short and medium term. Not a problem, but only just.

7) must charge to make a more concentrated market with Marketing Mix 7 Ps are Product, Price, Place, Promotion, People, Presentation, Pisadarn.

8) provides morale colleagues. Subordinates. And avoid blame each other or bickering.

9) not to threaten employees demoralized. But for cooperation and consultation between the more.

10) reduce wasteful spending, both personal and company.

11) In the event of a loan from financial institutions. Must answer to its resolution. And communications with financial institutions that regularly.

12) What do I do that. To clear and more transparent.

13) to contact customers to visit more.

14) must focus on consumers in the sense of and demand more.

15) focus on negotiating for more. Especially on prices and costs.

16) and must close contact with subordinates and colleagues regularly.

These are things that should be especially noted. I am sure many people would do this already. But try to see a full 10 or above, or do not have sufficient or?

Marketing of a vertical receive

During the stagnant economy. Financial conditions continue. Coupled with the need to address the behavior and. Brand Loyalty of consumers have changed. And biased by economic and social conditions. To find new customers. It is difficult and very expensive budget. It may or may not be worthwhile. Especially its most cut down to a marketing budget to the proportion of revenue expected in the future. Most of the marketing budget is often cut down in the face of the economic slump. It is part of the stress that caused the loss of customers in the long term. Because the economic slump. Price is Btbatmak for consumers. And many customers will turn to cheaper products, such as their House brand marketers, etc. So a good plan should be supported. And initiatives that will find Tools, or new strategies. Used in response to changing market conditions to maintain their market base more. Vertical strategy is summarized from a 5 above. Market Research: Digital media is used in their analysis. And market conditions and to assess the strengths and weaknesses of their competitors. The investment media and marketing budget should be actually measured and Evaluate. To store that information out to the budget that each effect very much less. To get clear information. And to use in the next Budget. (Which some companies turn to market more like playing Online game points in exchange for prizes. Or coupons are. Rather than limit their options based on traditional media buy). Positioning: Studies highlight points of inferior goods and services of the organization and market conditions to adjust the list of goods and services to smaller and Focus on the target more clearly. For example, the budget for marketing and production budget, workforce management (Operation Cost) will be used as intended and clearly cost more. Positioning is not just set clear only specific words or statements in the organization only. Reorganize: reduce costs and unnecessary investment. And reduce the number of staff by using Outsource Part time or more often observed that many companies with financial difficulties and Management often employs many. And where duplicates together too make the coordination or Productive consumption is very low budget, too. Or we often hear that. People filled the overflow instead of the people. Customer Involvement: known to speak less and listen more. And allow consumers involved in product development. And services more than ever. To study the behavior of consumers to clear that. Consumer demand. What love is not like anything. Because no one would understand more than the customers who currently own the majority of companies still want to describe properties of products from the mouth than listen to what consumers want. The ancient Chinese people often say. "Feedback is the voice from heaven for customers". Community and loyalty: but to create interaction. (Relationship) to clients and customers gather. Or disciples who are Loyalty products and services. Including a Customer Relationship Management as well as a Long-Tail marketing and retention to Data base Marketing and market research because of their record, and finding new customers is difficult and expensive than retaining old 5. to 6 times. Results from a vertical market is. Often a good solution for medium to large companies. Start realizing clumsiness. The days will not even allow organizations to tailor conditions to compete with. Executives and some clever marketing. Are often waiting period economic slump. It is believed that. Good times people do not want to change or something new. But the time is not good to be back together new ways. Because some changes may bring to the new opportunities. Better and brighter. Or that some people would call it that. It is sure enough to change crisis into opportunity.