Maybe you shouldn't' go into debt over it. Start out small, build up, pay cash as you go.

A business plan is a good idea, as is market research. I would do lots and lots of homework.

You might want to have a cash reserve of 6 months or so to 'just in case'. I'm a big Dave Ramsey fan, and going into debt to start a business is a huge no-no according to him. Even worse, funding your business through credit cards.

If you are buying a franchise or something, look for a proven track record, not just feel good platitudes.