Summit Commercial Painting

Words in [brackets] are blanks you fill in with your own details when you adopt this sample in Supreme Plan AI.

Executive Summary

Summit Commercial Painting is a commercial interior and exterior painting contractor in Denver, Colorado, owned by Eduardo and Lisa Reyes. We paint offices, retail spaces, clinics and multi-family buildings for property managers, HOAs and contractors and offer recurring maintenance plans.

Why this fits. Denver keeps adding buildings, and older ones need repainting. Managers want a painter who prepares surfaces properly, works around tenants and finishes on time.

Here is what our numbers show. In Year 1 we plan about 12 interior projects, 6 exterior projects and 30 months of maintenance contracts. That brings in sales of $372,000, growing to $1,635,336 by Year 5. We expect a profit of about $15,900 in Year 1, a profit of about $80,300 in Year 2, a profit of about $187,100 in Year 3 and a profit of about $439,200 by Year 5. Crew pay, fuel and insurance, and the truck and equipment paid for before the first job, are our largest costs, and the plan counts all of them.

We need $105,000 in total. Of that, $47,500 is startup costs (a used van, airless sprayers, scaffolding and tools, licensing and insurance, uniforms and marketing and supplier deposits), and the rest is cash for the first months. We are putting in $20,000 of our own savings and asking for a $85,000 SBA 7(a) loan.

We are Eduardo and Lisa Reyes, owners of Summit Commercial Painting. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Summit Commercial Painting will be a limited liability company (LLC) in Denver, Colorado, owned and run by Eduardo and Lisa Reyes. Eduardo has painted commercial buildings for years and has run crews on large projects. Lisa handles bids, scheduling and the books.

What we do:
- Commercial interior painting for offices, retail and clinics.
- Exterior painting for commercial and multi-family buildings.
- Recurring maintenance painting for property managers and HOAs.
- Drywall repair and surface preparation.
- Line striping and touch-up work.

Who we serve: Property managers, HOAs, schools, clinics, retail owners and building contractors in the Denver area.

Licensing and insurance. We will register the LLC, carry general liability and workers compensation insurance, follow lead-safe practices on older buildings and hold the contractor registrations the city requires. We provide a certificate of insurance and references with every bid.

Our promise. Clean lines, finished on schedule, with minimal disruption to your business.

Where things stand today. The business plan, pricing and equipment list are written. The next steps are the license and insurance, the truck and equipment and the first customers.

Problem & Opportunity

Commercial buildings need painting on a schedule, and the work has to happen without shutting down tenants.

What customers run into:
1. Crews that miss deadlines and leave work half done.
2. Paint that peels or fades because surfaces were not prepared.
3. Disruption during business hours.
4. Bids that change after the work starts.

Why it matters. Paint protects buildings and keeps them looking professional. A poor job costs tenants and managers time and money.

Products & Services

Summit Commercial Painting will be the dependable choice in Denver for this work.

What makes us different:
1. Careful surface preparation.
2. Night and weekend scheduling.
3. Clear written bids and schedules.
4. Clean, uniformed crews.
5. A written warranty.

How a job works:
1. We walk the site and measure.
2. We send a written bid with color, product and schedule.
3. We prepare the surfaces, protect the space and paint.
4. We inspect with the manager and clean the site.

Why customers stay. Property managers keep a painter they trust for every building in their portfolio.

Market Analysis

Who we serve:
- Property managers and multi-family owners.
- HOAs and condo associations.
- Retail, office and medical building owners.
- General contractors on tenant improvements.

How we sized the market. Our Year 1 plan is about 12 interior projects, 6 exterior projects and 30 maintenance contract months, a small share of commercial painting in a metro area this size. Replace this estimate with your own count of buildings and bids near you.

Why now. Denver keeps adding offices and apartments and older buildings need repainting. Managers want a painter who can work around tenants.

Competitive Landscape

What customers can do today:

1. Large painting contractors. Strong crews and high overhead.
2. Small crews. Cheap and variable.
3. Residential painters who take commercial work. Convenient and less experienced.
4. General contractors' painting subs. Good and booked.
5. In-house maintenance teams. Handy and limited.

Where we fit. Summit will be a commercial painter that is organized, clean and flexible about schedule.

Marketing & Sales Strategy

How customers will find us.

Before opening:
- Meet property managers and general contractors.
- Prepare a bid package with references and insurance.
- Set up a website and Google Business Profile.
- Offer a free walk-through and a sample color plan.

After opening:
- Follow up on every bid.
- Ask each customer for a reference.
- Offer annual maintenance plans.
- Visit property managers monthly.
- Photograph finished work.

What we will measure. How customers heard about us, how many estimates become jobs and how many customers call us back.

Operations Plan

How the business will run.

Season and schedule. Interior work runs all year and exterior work runs from spring to fall in Colorado. We schedule exteriors around weather and interiors around tenant hours.

Crew. Eduardo leads the crews. Three painters handle preparation and painting in Year 1. We add crews as bids are won.

Quality and safety. Painters wear protective gear, follow ladder and lift rules and use lead-safe methods on older buildings. We ventilate indoor work and protect floors and furniture.

Equipment. We will buy a used work van, airless sprayers, scaffolding and ladders and drop cloths and tools. Paint and materials are bought on account.

Paperwork and money. Every job starts with a written estimate, and we collect a deposit when the work needs materials. We invoice the day the work is finished and follow up on anything unpaid after two weeks. We keep the books in simple accounting software and set aside money for taxes and insurance every month.

Management & Organization

The people who will run Summit Commercial Painting.

Eduardo Reyes, owner and lead painter. He estimates, supervises crews and trains painters. Lisa Reyes, owner and office manager. She handles bids, scheduling, insurance and the books. (Replace this paragraph with your own background.)

Crew. Three painters in Year 1, growing to ten, each trained on safety and surface preparation.

Office. A project coordinator joins in Year 2.

Outside advisors. An accountant, an insurance broker, an attorney who reviews contracts and a free mentor from SCORE or the Small Business Development Center.

Staff pay in this plan is a full year per person: owner / Lead Painter $56,000; painter $38,000; project Coordinator $40,000. Replace them with the pay you can offer where you live.

Milestones Narrative

Our goals and when we plan to reach them.
- Before opening (3 months ahead): register the LLC, buy the van and sprayers, set up insurance and meet the first managers.
- Year 1: about 48 projects and contract months with a crew of three; $372,000 in sales and a profit of about $15,900.
- Year 2: about 76 and a project coordinator; $611,820 in sales and a profit of about $80,300.
- Year 3: about 110 and a second crew; $928,802 in sales and a profit of about $187,100.
- Year 4: about 150 and a third crew; $1,264,359 in sales and a profit of about $303,900.
- Year 5: about 190 and a fourth crew; $1,635,336 in sales and a profit of about $439,200.
Growth depends on winning and keeping customers, so treat the later years as goals, not promises.

What we check every week: jobs booked and finished, estimates sent and won, crew hours, materials cost per job, unpaid invoices and cash in the bank.

Funding Request

How much we need and how we will use it. Total we are raising: $105,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $47,500, listed item by item in the Startup Costs section: $14,000 for used work van, $10,000 for airless sprayers, $5,000 for scaffolding and ladders, $3,000 for drop cloths and hand tools, $2,500 for LLC filing, registration and attorney review of contracts, $5,500 for general liability and workers compensation insurance, first payment, $3,500 for van lettering, uniforms and website, $2,500 for supplier account deposits, $1,500 for safety and lead-safe training.
- The cash the business uses before it breaks even, about $0. Sales cover the daily costs once the doors open, so the cash we need up front goes mostly to startup costs.
- A cash cushion of about $53,300: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $53,300, and the three pieces add up to about $100,800, rounded up to the nearest $500: $101,000.
We are raising $4,000 more than that, $105,000 in all, to cover a slower first season than planned. With this funding, the lowest year-end cash balance is about $80,100, at the end of Year 1.

Where the money comes from:
- Our own money: $20,000.
- SBA 7(a) loan: $85,000.

Kind of funding we are looking for. An SBA 7(a) loan from a lender that finances trade and construction businesses, backed by our savings and the equipment as collateral.

How we will pay it back. We expect a profit of about $15,900 in Year 1, a profit of about $80,300 in Year 2, a profit of about $187,100 in Year 3, a profit of about $303,900 in Year 4 and a profit of about $439,200 in Year 5. With this funding, the business has money in the bank at the end of every year of the plan. Our loan is the SBA 7(a) loan at 10.5% over 10 years, $1,147 a month. That payment is already included in our cash flow. We chose these as cautious planning rates; ask the lender for the real rates, which may be lower or higher.

What we are offering the lender: the equipment and a personal guarantee.

A smaller first step, if needed. If we cannot raise the full amount right away, we can start smaller and grow into this plan:
- Phase 1: open with the truck, the core equipment and one crew, which lowers the startup costs and the loan.
- Phase 2: once the first jobs are steady, add the second crew and the next piece of equipment and follow this plan.
To plan the smaller start, make a copy of this plan (use Duplicate) and lower the numbers to match.

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:

- Your resume and a personal financial statement (a list of what you own and what you owe; lenders usually provide a form).
- Business registration papers and your EIN (your business tax number from the IRS, free at irs.gov).
- Proof of insurance and your contractor registration.
- Sample bids and references.
- Quotes for the van and sprayers.
- A list of properties you plan to bid.
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):
- Commercial Interior Painting: about $14,500 in Year 1, rising to $16,320; about $4,800 in direct costs, rising to $5,402; about 12 in Year 1, growing to 40.
- Commercial Exterior Painting: about $21,000 in Year 1, rising to $23,636; about $7,500 in direct costs, rising to $8,441; about 6 in Year 1, growing to 21.
- Recurring Maintenance Contracts: about $2,400 in Year 1, rising to $2,701; about $700 in direct costs, rising to $788; about 30 in Year 1, growing to 180.
- An interior project averages about $14,500 and an exterior project about $21,000. A maintenance contract averages about $2,400 per month.
- Prices rise about 3% a year.
- Equipment ($32,000 in Year 1) covers a used work van, airless sprayers, scaffolding and ladders and tools, and later years ($3,000, $5,000, $5,000 and $6,000) replace and add equipment.
- Pay (a full year, per person): owner / Lead Painter $56,000; painter $38,000; project Coordinator $40,000.
- Other yearly costs in Year 1: vehicle and Equipment Upkeep $14,000, insurance and Bonding $16,000, marketing $7,000, software and Admin $6,000. These grow between 4% and 5% a year.
- Customers and payers pay about 15 days after service, so at the end of Year 1 about $14,880 is still owed to us. Income tax at 21%.
- Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs