Just getting started?
I admire your enthusiasm, and your understanding that you get nowhere alone in any business. I don't like that you are planning to start at the top (leased location, loaned money, employees w/ no stable revenue). Think about what I'm about to list for you; you may not like it, but if you are going to make a living at this and expect to have an immediate income, forget an exotic business plan. Business plans are not for your loan so much as to get you to come to the stark realization your idea is a bad one financially. Banks are not in the restaurant business or the boat business or the car business. They are in the money business and unless you can show them through a workable plan, and more importantly, your overall attitude that you WILL make this work and have a schedule of advancement/commitment to show how you intend to do that, you will be denied the loan. More restaurants fail than any other business; some 500 a day. It isn't that they are bad restaurants, although some are, it is that they are bad businesses. You may love to cook and have a great dish, but unless you can manage the revenue, you will fail.
Here's a workable plan:
Develope your menu
Set up in the cheapest venue in town on the back of a 16 foot flatbed trailer
Develope a crowd
Refine your menu
Get local permits for permanent place
Look for the cheapest ex restaurant location in town
Get all your friends over for the weekend clean up
Get all the free tables and chairs you can
Open up with your crack dishes served perfectly
NEVER FORGET you are a customer service outfit that just happens to sell food.....
and you'll be on your way, and in a minimum of debt and outlay.
All the best
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