and professional women. It supports a loan request for $110,000.     Changes in the work force in New City have resulted in a large growth in the number of working women who identify themselves as "professionals." There is currently no store in New City that adequately caters to this groups needs for moderately priced, stylish work clothing. I propose to open Antoinettes Dress Shop to fill this gap. My goal is simple: to sell good quality, moderately priced clothing to the upwardly mobile woman, to provide free alterations and to help my customers dress well for a reasonable cost.     My qualifications include three years, experience as a clothing buyer and assistant merchandise manager for the Rack-a-Frax Department store in New City. During my tenure, the Designer Dress Department, which was my principal area of responsibility, showed a 35% sales increase. I will be assisted by Sally Walters, who has five years experience in the field, the last three being in the dress department at Glendales.     My loan request is based on detailed financial projections, which demonstrate that by combining $50,000 of my savings with $110,000 of borrowed money, I can begin business at a favorable location on the west side of the town mall with a solid inventory. I will consider securing the loan with a second trust deed (mortgage) on my home, which has an equity of $200,000. My detailed financial projections show that I can repay the loan in 60 equal monthly payments at competitive interest rates. At the same time, there will be sufficient profit to meet my twin goals of providing myself with both an adequate living and a return on my investment.     The funds I wish to borrow will be allocated to procure my initial inventory as well as equipment, fixtures, leasehold improvements, advertising and working capital as indicated in this proposal. I hope to open my new store by Labor Day of 1999. I am committed both to serving the professional women of New City and meeting my personal financial and career goals.     3. Personal Goal Statement     You may include a statement of your personal goals. It is a tricky part of your plan, even though its a big help to potential backers who dont know you personally. Your lenders and backers want you to be happy in your new venture, since youll be likely to work hard at it. However, people who back you will also want to be sure that youre truly committed to the financial success of your project. For instance, they wont back a beekeeper who loves bees so much she cant stand to disturb them by removing honey from the hive.     Ideally, your personal goals and commitments will tie into the business goals exactly. In reality, you probably have at least some personal goals that dont have much to do with business profitability.     Example 1 "My reasons for starting this business are to make a good living, prove I can be collection. In addition, I would like to create a business which I can bequeath to my children."     Most people starting small businesses are tied to them full-time (if not more), and its unrealistic to think that there will be a lot of time left to tinker with a car collection. Assuming our budding entrepreneur is willing to postpone most of his tinkering until his business is established, heres how this statement could be rewritten to sound a little better to a potential backer.     Example 2:"My personal and business goals largely coincide. Successful implementation of this