There is software for this. Infact, it is sitting in the drawer right beside me. And if you want, I'll hook you up. But consider this... Have you read any other business plans? Do you have a clear idea of what a business plan looks like? Where are you on this? Are you totally intimidated like you were the first time you scratched out a resume? If so, then you'd better look at a few business plans before you try to write your own, software or no.
I'll tell you this, the bank has no sympathy. A 'real good effort' is not going to pass when it comes to a business plan presented to a banker. If your idea is legit, your business plan needs to prove it, systematically and succinctly. And the bank may or may not take a chance on you.
But if your idea really is legit, you're probably better off with private investors. A business plan/proforma and a good presentation may land you a good private investor.
And don't forget to also look into grants. There are alot of grants available to alot of people, businesses... If you're really serious about your idea, look into all this stuff before you talk to anyone about money.
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