Need a faster way to write your business plan? LivePlan is the #1 planning tool for over 500,000 businesses. Tim Berry, president of Palo Alto Software Inc., responds to a reader seeking advice on finding a low-cost writer to help with a business plan. Take control of what content you see. From inspiration on starting a business to learning more about how to find solutions - make our site yours and never miss a beat. Add your favorite articles, videos, podcasts, and more to your Queue so you can enjoy them anytime on any device. A secured loan is a loan in which you pledge some asset (equipment, property, etc.) as collateral. Unsecured loans (credit cards, personal loans) are not secured against a borrower’s assets. You start here, today, with certain resources and abilities. You want to get to a there, a point in the future (usually three to five years out) at which time your business will have a different set of resources and abilities as well as greater profitability and increased assets.