InReach Solutions is planning for some significant growth to their business, and the financial team at the company has determined that they need to secure some bank financing to fund ongoing operations. Mandeep is a high$-$level manager and has been tasked with preparing a business plan to present to the bank, in order to persuade it to extend credit to InReach Solutions. Which of the following would not belong in an effective business plan aimed at securing bank financing?

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a

The reasons for borrowing

b

How the business intends to use the money

c

A description of the sources and types of collateral available

d

The banking history of the business$$s key employees.