From Scratch by Gail Anderson-Dargatz

Author:Gail Anderson-Dargatz
Language: eng
Format: epub
ISBN: 9781459815049
Publisher: Orca Book Publishers
Published: 2017-07-01T04:00:00+00:00

When I felt I’d finished my business plan, I showed it to my teacher at the end of a class. Heather was delighted. “You created a business plan? Congratulations! I’m so excited to hear you want to start your own business.”

“It’s not exactly a new business,” I said. “I want to take over Diana’s bakery.”

“Oh?” The excitement on Heather’s face faded as she read through my plan.

“Did I do something wrong?” I asked. “I used the sample business plan from the website address you gave me.”

“Not at all. This is a fine plan. You’ve done a lot of work, and you can use this in the future.”

“In the future?” I asked. “Why not now?”

“When I suggested you start your own business, I was thinking of a home-based bakery.” Heather handed my business plan back to me. “I think your goal of taking over Diana’s bakery may be too ambitious,” she said.

“Ambitious?”

“You may be trying to do too much too soon,” Heather said. “You don’t have enough of a down payment to buy the bakery business or even the equipment. Can you bake at home instead? Maybe you can sell your baked goods at a farmers’ market.”

“But I want to keep Diana’s bakery open. I want to run a bakery-café.”

“I’m sure you could run your own bakery in time. But right now I don’t think you have enough money to take it over. Even if you apply for a loan, you’ll need some of your own money. The lender will also ask if you own something of value to secure the loan. If your business fails, the lender needs to know they can get their money back. Do you own your own home? Or property?”

“No, I rent.”

“I think you may be out of luck then.”

“But I have an appointment with a loan officer in the morning.”

“I’ll look forward to hearing how that goes,” said Heather. “I’m sure your loan officer will give you some good advice. But don’t be discouraged if you don’t get the money. I think you will have to start smaller. Work up to that dream of running a bakery. Over time.”

I felt discouraged already. I must have looked upset too, because Heather put a hand on my shoulder. “There are always setbacks,” she said. “Don’t let them stop you from making your dream happen.”

I felt angry with Heather as I packed my bag to leave. She didn’t think I could get that loan. Well, I thought, I would show her. Then I caught myself. Where had that confidence come from? I realized in that moment just how much I wanted to own my own bakery.

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