The to this question is A
When using Debt financing, the company incurs a legal obligation to repay the amount borrowed. Retained earnings assign to the percentage of net acquiring not to paid out as dividends, but retained by the company to be reinvested in its core business, or to pay a debt.
A business plan would help small business owners to know how to operate the business, achieve goals and what activities need to be conducted in case they missed anything out. It helps a business to plan out and conduct business operations.