Dear KBF 123,
You say you are starting a small business - I'd join with the advice you've already received and say run one up yourself - there are loads of templates on the internet showing the format - so often I've seen glossy presentations, and when the promoter is asked a couple of fairly basic questions they don't know the answer. Give me a well thumbed plan, even with a couple of typo's in it from someone who really knows what they are doing anyday, rather than the glossy with a powerpoint presentation attached, and who's every answer to a question is 'I don't know it was the accontant that came up with that figure.....' (no slight on the accountant he/she is only doing what they are asked).
Best of luck.
BM