Dr. Paul Borosky, DBA, MBA
Business Plan Writer & Consultant
Delaware Business Plan Writer Above and Below the Canal
Above the Chesapeake and Delaware Canal, Wilmington’s banks, card companies and ChristianaCare keep paychecks steady all year. In Sussex County, the beaches pack most of the sales into the warm months. Dr. Paul’s plan starts with the side of the canal where your customers are and shows a Delaware lender how you get through a weak season.
Planning for the off-season? Call or text (321) 948-9588. Dr. Paul answers personally.
Last Updated: 10/31/2026 · Written by Dr. Paul Borosky, DBA, MBA
How Dr. Paul Helps
Two Seasons, One Delaware Plan
Wilmington paychecks land all year. Beach sales land mostly in summer. A Delaware plan has to show a lender how you cover the stretch in between.
- Demand counted from real employers. The banks, card companies and ChristianaCare above the canal set lunch, service and retail demand. The plan counts the share a business your size can win near Market Street or the Riverfront.
- A year-round crew, not just summer help. From Rehoboth Avenue shops to Dover stores along DuPont Highway, the staffing plan covers the slow months with the people you keep, not only the seasonal hires.
- Loan requests built for the lender you apply to. The Division of Small Business runs Delaware’s part of the State Small Business Credit Initiative (SSBCI), a federal program the state runs through lenders, and the Grow Wilmington Fund covers city locations. Each request is written for how that money gets lent.
- Beach months kept on their own lines. Owners running their own numbers can map a dining room at the beaches in the restaurant template, with summer and off-season months set apart.
- Free sessions for first-time borrowers. The University of Delaware SBDC runs free sessions for owners still learning to read a loan application, and Dr. Paul’s funding request guide shows what the lender expects to see.
Delaware plans most often go wrong by averaging the year. A Rehoboth shop that earns most of its money in summer does not have a normal month; the shop has a busy season and a long wait. Dr. Paul writes the off-season out month by month, because that stretch is what a Delaware lender reads twice.
Real work in Delaware: In 2022, Dr. Paul built an investor-ready business plan for a semi-truck company in Delaware.
Help Built Around the Delaware Season You Keep
A Rehoboth gift shop and a Wilmington office supplier keep different calendars. The help below starts from the one your Delaware customers actually keep.
Business Consulting
Stuck between running the shop and running the business? Consulting covers cash, pricing, staffing and the calls that keep a beach or downtown business steady.
See consulting options →Business Plan Writing
FeaturedA lender-ready plan and monthly projections, written by Dr. Paul around the season your Delaware customers keep, from Wilmington’s year-round office crowd to Rehoboth summers.
Start your plan →Business Plan Templates
Beach dining rooms can map their own numbers in the restaurant template, which splits summer months from the off-season so the winter shows up before a lender spots it.
Browse templates →Small Business Education
Read up on cash, pricing and projections with no-cost lessons and Dr. Paul’s videos. The Fabled Forest books cover the same ground for owners who learn best from a story.
Start learning →Funding and Licensing Snapshot
Who Reads a Plan in the First State
Delaware is small enough that the same few offices see most plans. Know the reader before you write the numbers.
SBA Delaware District Office
The Wilmington office serves all three counties, so SBA lender lists and training come from the same place whether you open in Newark or Lewes.
Division of Small Business
The Division runs Delaware’s state-backed loan programs through participating lenders. The lender files the application, and your forecast is what it underwrites.
Wilmington and Downtown Dover
Wilmington’s fund, run with the National Development Council, makes SBA-backed loans for city businesses. In Dover, the Downtown Dover Partnership’s Retention Expansion Assistance Program (REAP) helps merchants already open downtown.
Delaware SBDC
The University of Delaware hosts the SBDC, which offers free advising and works with the Division of Small Business on state loan support.
Division of Corporations
Delaware LLCs and corporations are formed through the Division of Corporations in the Department of State. A company formed here for a business run in another state still registers back home.
One Stop Portal
Delaware’s One Stop portal handles state business licensing. Check with the town where you open as well before you sign a lease.
City Spotlight
Three Delaware Towns, Three Different Plan Questions
Delaware is small, but a Wilmington lunch spot, a Dover hotel and a Rehoboth gift shop live on different calendars. Your forecast has to follow the one your customers keep.
| City | What Drives Demand | The Plan Question |
|---|---|---|
| Wilmington | Bank and card company offices, ChristianaCare, Riverfront diners | How big a Grow Wilmington Fund loan? |
| Dover | The NASCAR weekend each May, Dover Air Force Base, Bayhealth visitors | Can a single race weekend carry a hotel? |
| Rehoboth Beach | Summer crowds on the Boardwalk, Sea Witch weekend in October | How much cash to hold for winter? |
The Grow Wilmington Fund is a city partnership with the National Development Council. The fund makes SBA-backed loans to Wilmington small businesses, from Market Street down to the Riverfront.
“How does a Wilmington owner qualify for a Grow Wilmington Fund loan?”
The Plan FixTie Riverfront and Trolley Square sales to the bank, card company and ChristianaCare workers nearby, show the loan fits the SBA guaranty, and size the ask to what the National Development Council will underwrite.
The NASCAR weekend each May at Dover Motor Speedway fills hotel rooms along Route 13. Dover Air Force Base and Bayhealth keep weekday travel steady the rest of the year.
“Can a Dover hotel lean on the NASCAR weekend at the speedway?”
The Plan FixPrice the NASCAR weekend at race rates, but underwrite the loan on weekday guests visiting Dover Air Force Base and Bayhealth. Race schedules change, so the hotel has to cover its payment on ordinary weeks along Route 13.
The Sea Witch Festival stretches the season into late October on Rehoboth Avenue and the Boardwalk.
“How much cash should a Rehoboth Beach shop hold after Sea Witch weekend?”
The Plan FixBank summer and Sea Witch weekend receipts into a reserve that covers rent on the Avenue from November through April. Then price your slow-month margins against the outlet stores on Route 1.
Many owners here also serve nearby markets. Dr. Paul covers neighboring Maryland, New Jersey, and Pennsylvania as well.
Learn It Yourself
Get Ready for a Delaware Lender, One Lesson at a Time
Choose a lesson by the problem in front of you, whether that is a slow winter at the beaches or a loan request in Wilmington.
From Dr. Paul’s Fabled Forest
A Marketing Book for Both Sides of the Canal
Dr. Paul’s Fabled Forest Business School · Book 4
Marketing for Small Businesses
A Wilmington office worker and a Rehoboth day-tripper buy for different reasons. Picking which one to chase is the first marketing call a Delaware owner makes. The book covers choosing a target customer, setting a price and getting the word out, taught through the owners of the Fabled Forest.
The summer crowd fills the till. The neighbor who stays through the long winter decides whether the door stays open.
Doctor Owl, Dr. Paul’s Fabled Forest Business SchoolWatch
Two Videos Before You Open the Spreadsheet
Start with the full structure of a business plan, then see what goes into the projections a Delaware lender will test.
How to Write a Business PlanDr. Paul walks through every section of a plan, step by step, from the summary to the financials.
What Goes in the Financial ProjectionsThe forecasts, statements and assumptions a lender expects to find in the numbers section.
FAQ
Questions Delaware Owners Ask About Their Plans
Does a Delaware LLC formed for a business in Maryland or Pennsylvania still need a home-state plan?
What should a Lewes or Rehoboth landlord see before signing a year-round lease with a summer business?
How does a shop near Dover Air Force Base plan for the months when crews deploy?
Dr. Paul Borosky, DBA, MBA
Business Plan Writer, Consultant & Author | 14+ Years | 1,000+ Clients Served
Dr. Paul Borosky, DBA, MBA is the founder of Quality Business Plan. He writes business plans and financial projections for owners across the United States and Canada, works remotely with clients in every state, and has written plans behind more than $100M in funded projects. He is the author of the Dr. Paul’s Fabled Forest Business School series and has published over 1,000 business videos on YouTube. He has taught as an adjunct college instructor and teaches in Florida public schools.
This page is for general educational purposes only. It is not legal, lending, or financial advice. Program rules, loan sizes and local requirements change, so confirm them with the program or agency before you apply. The Fabled Forest and its characters are fictional.