Stress-test the plan as a credit officer

You need a term loan.

Before you use the output

• Get the milk rate in writing. A verbal tie-up is not evidence, and it is the number the whole plan rests on.
• The supplier payment-terms point is the one most first-time dairy operators miss. Daily payment against monthly retailer credit is a working capital gap that can sink an otherwise sound plan.
• Do the physical retailer survey. Twenty conversations produce better evidence than any report, and you can name them in the plan.
• Note the advice to remove sections. A shorter plan with sourced numbers is stronger than a comprehensive one with invented ones.