Starting a small business today is a unique experience. If your idea is one that requires little capital, then you may be able to start it simply with a loan from a family member or friend, or by utilizing your own savings and good credit. A larger business—say one that involves manufacturing or overseas travel—will require a bank loan. When you approach the bank for a loan, that is when you will really realize that size does matter.

A loan officer won’t want to see a business plan that is too ambitious. Unless you have extensive business experience already, this will make your application seem unrealistic. At the same time, a loan officer will not be well inclined toward your application if the business seems too small to make a profit. He or she will respond favorably to ambition that is in keeping with your experience, and a business idea that is supported by your education and background.

Can you write a business plan that presents your business idea as not too big, not too small, but just right? That is the challenge of every would-be entrepreneur.