Recently a prospective client – a large bar in an Irish town – was looking to raise finance from a bank.   They were planning to structurally change their premises significantly in an effort to make it more appealing to young people.   So they needed to submit a business plan to bolster their application. And they received good advice from someone I know – let’s call him “Joe” – that it would help their application if their numbers were backed up by valid market research.   Joe was spot on – would you lend to someone … Continue reading

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