Velocity Wraps

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Executive Summary

Velocity Wraps is a vehicle wrap and graphics installation business in the greater Nashville, Tennessee metro area offering full vehicle wraps, partial wraps, fleet graphics, color change wraps, paint protection film and custom decals for personal vehicles, commercial fleets and marketing vehicles. The business is founded by a certified wrap installer with 8 years of experience who is leaving a dealership detail and accessories department to operate independently.

Vehicle wraps are one of the highest-ROI forms of advertising available to small businesses. A wrapped van or truck puts a business's name in front of thousands of people every day in urban markets. Commercial fleet wraps are a recurring revenue channel - fleets rotate vehicles, add new ones and refresh graphics every 3 to 5 years. The personal vehicle market (color change wraps, chrome delete, accent wraps) is growing rapidly as vinyl technology improves and more consumers discover wraps as a less permanent, more affordable alternative to paint. Nashville's growing small business base, strong construction and trades sector (van-heavy fleets) and car culture create strong demand across all three market segments. Year 1 revenue is projected at about $176,700, growing to about $399,000 by Year 3. Startup costs are about $64,000.

Company Description

Velocity Wraps will operate from a leased bay in a commercial auto services complex in Nashville, Tennessee.

Ownership. LLC, owned by founder Marcus Reed. Marcus holds a 3M Preferred Installer certification and a Avery Dennison Certified Installer credential, with 8 years of wrap installation experience.

Services and pricing:
- Full vehicle wrap (standard car/SUV): $2,800 to $4,200
- Full vehicle wrap (van/truck): $3,500 to $5,500
- Partial wrap (hood, roof, rear panel): $650 to $1,400
- Color change wrap (full vehicle): $3,200 to $5,800
- Chrome delete (trim and accents): $350 to $750
- Paint protection film (PPF, full front end): $1,200 to $1,800
- Fleet graphics package (per vehicle, 3+ vehicles): $850 to $2,200 per unit
- Custom decals and lettering: $85 to $450
- Window perf (one-way vision rear window): $250 to $500

Turnaround: 1 to 3 days for most full wraps; fleet projects scheduled in batches.

Problem & Opportunity

Nashville's commercial fleet operators - HVAC companies, plumbers, electricians, landscapers, food service businesses - need vehicle graphics but are served by a fragmented market of installers with inconsistent quality and long lead times. Businesses with 10 to 30 vans cannot afford to have vehicles off the road for 5 days each while a one-person shop works around a backlog. Marcus's speed, quality consistency and fleet scheduling system are the answer.

Products & Services

A dedicated wrap bay with controlled climate (critical for vinyl adhesion), a plotter/printer capable of handling 60-inch rolls in-house and a fleet scheduling system that batches fleet work on weekdays while personal vehicle and color-change wraps fill weekend slots. Marcus designs or preps files in-house for simple graphics and uses a Nashville print house for complex full-color prints.

Market Analysis

Nashville is a large metro area with one of the fastest-growing small business economies in the southeast. The trades sector - HVAC, plumbing, electrical, lawn care - is large and fleet-dependent. The car modification culture is strong, driven by the city's music and entertainment industry and a young, affluent professional population.

Target clients: commercial fleet operators with 3 to 30 vehicles (primary, highest revenue), marketing agencies that brand client vehicles, individual vehicle owners for color change and accent wraps.

Competitive Landscape

A number of wrap shops operate in the Nashville metro. Most are generalists who also do tinting, PPF and accessories. Marcus's differentiation: 3M and Avery Dennison dual certification (rare in the Nashville market), an in-house plotter for fast-turn graphics and a fleet scheduling model that minimizes client vehicle downtime.

Our strengths and weak points. Strengths: Dual 3M and Avery Dennison certification is held by only a minority of Nashville installers and is the first credential commercial fleet managers check; Fleet batch scheduling model minimizes vehicle downtime - the #1 concern of commercial clients - differentiating from solo installers with ad hoc availability. Weak points we plan for: Single installer caps daily output at 2 full wraps; illness or injury stops all revenue immediately; Vinyl material cost at 28% of revenue is a significant margin pressure point if material prices rise.

Marketing & Sales Strategy

Pre-opening: register with 3M and Avery Dennison certified installer directories. Build a portfolio Instagram with before/after content from prior work (with employer permission). Cold outreach to 30 Nashville HVAC, plumbing and landscaping companies with a fleet wrap proposal. Online: Google Business Profile, Yelp and a simple website with a quote request form. Ongoing: referral program for individual clients ($100 credit per referral), partnerships with Nashville auto dealerships for PPF upsells and wrap referrals.

The first 90 days. Days 1 to 30: set up the bay, finish the plotter install, list the shop in the 3M and Avery Dennison installer directories and post before-and-after photos. Days 31 to 60: send the fleet proposal to 30 Nashville HVAC, plumbing and landscaping companies and book the first fleet account. Days 61 to 90: settle into a weekly schedule, fleet batches on weekdays and personal wraps on weekends, and ask every finished customer for a review.

Operations Plan

Marcus installs all wraps himself in Year 1. A temperature-controlled bay is essential: vinyl adhesion and air bubble prevention require 65 to 75°F. Each installation: surface prep (clay bar, isopropyl wipe-down), panel heating, vinyl application, heat gun finishing and edge sealing. Fleet projects: 2 vehicles per day maximum for quality control. All installs carry a 3-year installation warranty (material warranty is the manufacturer's).

Equipment: a 64-inch Roland or Graphtec vinyl cutter/plotter for in-house cutting, a heat gun and torch, an infrared thermometer, squeegees and application tools and a surface prep station.

Risks and how we plan for them:
- One installer, one bay. If Marcus is sick or hurt, work stops. We keep a short list of certified installers who can fill in on fleet batch days, and we book fleet work in batches so a missed day can be made up.
- Vinyl prices move. Material is the biggest direct cost, so we quote each job with current prices, order for confirmed jobs only and keep a written price list we review every quarter.
- A bad wrap hurts the brand. Every job follows the same prep, heating and finishing steps, gets a photo check before the customer picks up, and carries a written installation warranty.
- Slow weeks in winter. Fleet refreshes and paint protection film fill the cold months, and we spend slow days on in-house graphics for fleet clients.
- Late-paying fleet clients. We take a deposit on every job, and larger fleet orders are invoiced in stages.

Management & Organization

Marcus Reed, Owner and Lead Installer. 3M Preferred Installer, Avery Dennison Certified Installer, 8 years of wrap and vehicle graphics installation. Outside bookkeeper for monthly reconciliation and quarterly taxes.

Hiring plan. Marcus does every install in Year 1. A part-time installer is added in Year 2 for fleet batch days, and a second installer joins as the second bay is planned.

Milestones Narrative

Year 1: bay operational by month 2, first fleet account by month 3, average 6 installs per week by month 5, revenue about $176,700. Year 2: hire a part-time installer for fleet batch days, revenue about $290,700. Year 3: add a second bay or expand to a larger space, revenue about $399,000.

What the plan's numbers say. Year 1: sales about $176,700, loss about $5,800; Year 2: sales about $290,700, profit about $38,300; Year 3: sales about $399,000, profit about $98,200; Year 4: sales about $446,800, profit about $123,900; Year 5: sales about $491,600, profit about $127,300. The lowest year-end cash is about $67,600.

How we will keep score. Every month we compare real sales to the plan, check the cash in the bank, review the direct cost of each job or product, and look at what customers say. If sales are behind plan for two months in a row, we slow spending and delay hiring until the numbers catch up.

Funding Request

How much we need and how we will use it. Total needed: $103,000. This number comes from the Funding Need Calculator in this plan. It adds up:
- Startup costs of $64,000, listed item by item in the Startup Costs section (the largest are Working capital reserve $21,500; 64-inch Roland vinyl cutter/plotter $12,400; Opening vinyl inventory $8,600).
- A cash cushion of about $39,000. That is the deepest cash dip in the early months plus about three months of bills, so slow weeks do not put the business at risk. Lenders call this "working capital."
- Together that comes to about $103,000 (rounded up to the nearest $500), which is the total we are planning for.
Where the money comes from:
- Owner money: $34,000.
- Equipment financing (plotter): $12,400.
- Small business loan: $56,600.
Kind of funding we are looking for: Equipment financing (plotter): $12,400 at 9.0% interest over 5 years, about $257 a month; Small business loan: $56,600 at 12.75% interest over 10 years, about $837 a month. A loan is money we pay back with interest, and the monthly payments are already included in our cash flow.
How we will pay it back. We expect sales of about $176,700 in Year 1, growing to about $491,600 by Year 5. We expect a loss of about $5,800 in Year 1, a profit of about $38,300 in Year 2, a profit of about $98,200 in Year 3, a profit of about $123,900 in Year 4 and a profit of about $127,300 in Year 5. Year 1 is lower than a full year because the business needs time to open and build customers. The lowest year-end cash balance is about $67,600 (Year 1), so with this funding the business has money in the bank every year of the plan.
What we are offering the lender: the equipment we buy as collateral and a personal guarantee from the owner.
A smaller first step, if needed. If we cannot raise the full amount right away, we can start smaller: rent time in an existing wrap shop, skip the in-house plotter at first by using a local print house, and take only fleet decals and partial wraps until we can afford the full bay. Duplicate this plan and lower the equipment costs to match.
What if sales are slower? We also tested a cautious case where sales come in 20 percent lower every year. In that case the plan shows a loss of about $33,200 in Year 1, a profit of about $52,200 in Year 3 and the lowest year-end cash is about $67,600, so the business still has money in the bank every year.
All numbers in this plan are estimates. We will update them as real results come in.

Appendix Notes

Documents to attach before you send this plan:

- LLC operating agreement.
- Tennessee business license.
- Commercial general liability and inland marine insurance.
- Bay lease agreement.
- 3M Preferred Installer and Avery Dennison Certified Installer certificates.
- Roland equipment financing agreement.
- Client vehicle release and liability waiver.
- Fleet graphics contract template.
If you don't have any of this yet, no worries - let's continue.

The assumptions behind our numbers (change them in the Financials section to match your own):
- Fleet Graphics and Commercial Wraps: about 149 units in Year 1 at about $688 each, costing about $192.50 each to deliver.
- Personal Vehicle and Color Change Wraps: about 99 units in Year 1 at about $750 each, costing about $210.00 each to deliver.
- Pay: owner / lead installer $72,000 a year (the same number all five years); part-time installer $26,000 a year (people in Years 1 to 5: 0, 1, 1, 1, 2).
- Other yearly costs in Year 1: bay rent about $24,000, insurance about $3,800, marketing about $6,000, admin and other about $16,000.
- Tax rate: 21%.
- Every dollar amount is an estimate. Replace them with your own quotes and research.

Plain words used in this plan:
- Wrap: vinyl film applied over a vehicle's paint to change its color or carry a message.
- Fleet: a group of vehicles owned by one business, such as ten plumbing vans.
- PPF (paint protection film): clear film that protects paint from chips and scratches.
- Plotter: a machine that prints or cuts the vinyl to shape.
- Color change wrap: a full wrap used instead of a repaint.

Startup Costs