“I was working on a loan for a client of ours and he had just completed a business plan with Devoted Enterprises.  I have been in commercial banking for more than 25 years and I can honestly say that I have never seen a business plan like they created for him.  It covered so much more that just the information that I need to grant them an SBA loan.   It was so good that I plan to send every client that I get who has not completed a business plan to Vernon and his team.  If more business owners completed these I have to think that the default rate of 30% on SBA loans would drop dramatically. “