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My understanding is business plans are for venture capitalists (if you are small) and the capital markets (if you are Vodafone). Banks are interested in collateral - either a house or a guarantor. They don't take risks (or 40% of the net income) and thus are not bothered about the viability of your business plan. They'll maybe show some interest in it, as they will in what car you drive and what you think Veron's best role should be.
I'd be very interested to hear from others if that is not entirely correct.