Pebble Plan is an entrepreneur education and self-evaluation platform that uses the business planning process as a teaching tool. As we walk small business owners through the process of creating a business plan, we also teach them about their operating processes, and their financials so when they are done, they can defend their plan to a banker. Our system helps small business owners identify the gaps in their understanding, unrealistic expectations, and problems with their processes; we then give them to tools to fix those problems. When banks and EDCs use Pebble Plan to create their clients’ business plans, we help uncovers risks that FICO can show and we speed up the financing process by eliminating ‘check-in’ meetings and reducing the plan evaluation time to 1-2 hours.