Before committing to starting a business, review your credit history, cash flow, collateral, and character references as well as your business management experience. The links below are guides to assist you in determining your ability to make a go of your business. The websites contain small business guides which are intended to serve as roadmaps for starting a business. They are both comprehensive and easy to use. They also contain numerous electronic links for additional information. These links contain business plan formats, financial plan formats, and marketing plan formats. (click on templates & tools)

Open Create a Life Plan, review and construct a plan using downloadable templates to include current status, ideal life, your loves, your skills and capabilities, your track record, your ideal lifestyle, and your goals.

This central site allows you to request a free credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian, and TransUnion.

After completing a business plan, go to and follow these 4 steps:

  • Determine your business structure and name.
  • Determine the potential tax responsibilities of the new business – federal, state and local
  • Determine necessary licenses, permits, certifications, registrations and/or authorizations
  • Determine federal and state employer requirements.


Starting a business in Texas requires you begin with a business plan and then follow the four steps outlined in this comprehensive document:

Personal Preparation for Starting a Business