Writing a business plan to show a bank and "writing a business plan" are two different things, really. Looking at 37S, my guess is that they're mostly self fun

Writing a business plan to show a bank and "writing a business plan" are two different things, really. Looking at 37S, my guess is that they're mostly self funded, so I don't think they ever went looking for loans. I would say this is the "ideal path", even if it isn't practical. If you do need start up capital, then of course you're going to have to show the bank that you're good for it. You should still cling to the idea however that your ultimate business is about making "something" and not sticking to what you thought you would be making before you started.