Copyright © 2013 by David Stevens

Additional owners of copyright are named in on-page credits

This is an IndieMosh book

published at Smashwords by MoshPit Publishing

an imprint of Mosher’s Business Support Pty Ltd

Smashwords Edition, License Notes

This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to and purchase your own copy. Thank you for respecting the hard work of this author.


Dedicated to those employees, who shared their ideas with company owners and managers to help turn adversity into prosperity.

Dedicated to all those employers and owners who provided an environment in which employees could participate, make a meaningful commitment and be appropriately rewarded.


Banks are favourably impressed by those companies that are able to put forward a well-documented, comprehensive and articulate business plan. This provides them with a degree of security in knowing that the money they will be lending will be used to implement a business plan based on sound rationale.

This book will provide the blue print for such bank requirements.

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