In episode 306 of Business Insanity Talk Radio, we discuss the importance of lean business plans and how to use them correctly. With 2015 right around the corner, we talk about the hottest trends coming up that small businesses can take advantage of. Next, you'll find out alternative ways to get more capital for your business. Finally, we tell you how to reduce your credit card fees by showing you a better way to handle payments.

Tim Berry is the founder and chairman of Palo Alto Software, and co-founder of Borland International. He is the author of 6 published books and is the best-known business plan expert in the world. www.timberry.com

Steve Strauss is The senior USATODAY small business columnist, author of the best-selling author of 16 books. His latest venture is the tech startup, TheSelfEmployed.com.

Brock Blake is the CEO and Founder of Lendio, which has helped over 500,000 small business owners save time and money in search of the right small business loan. www.lendio.com

Kaz Nejatian is the founder of Kash, a mobile payment company that is on a mission to make payments secure, easy and ethical again. www.withkash.com

Sponsored by Sage and Nextiva.