Cornerstone Concrete and Flatwork

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

Executive Summary

Cornerstone Concrete and Flatwork is a residential and commercial concrete contractor in San Antonio, Texas, owned by Miguel and Rosa Estrada. We install driveways, patios, sidewalks, foundations, retaining walls and decorative stamped concrete for homeowners, builders and small commercial owners. Miguel is a licensed contractor who has poured concrete for years.

Why this fits. San Antonio is growing quickly, and good concrete crews are hard to book. Customers want a clear price, a crew that shows up and work that lasts. We will give them a written estimate, careful base work and a one-year workmanship warranty.

Here is what our numbers show. In Year 1 we plan about 32 driveway and flatwork jobs, 10 decorative stamped jobs and 5 foundation and commercial pours. That brings in sales of $315,900, growing to $1,101,573 by Year 5. We expect a loss of about $46,900 in Year 1, a loss of about $26,900 in Year 2, a profit of about $26,900 in Year 3 and a profit of about $137,900 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 $165,000 in total. Of that, $88,500 is startup costs (a work truck, trailer, forms and finishing tools, a concrete saw, a small skid steer, licensing and insurance, signs 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 $145,000 SBA 7(a) loan.

We are Miguel and Rosa Estrada, owners of Cornerstone Concrete and Flatwork. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Cornerstone Concrete and Flatwork will be a limited liability company (LLC) in San Antonio, Texas, owned and run by Miguel and Rosa Estrada. Miguel is a licensed contractor who has poured concrete for builders for years and wants to run his own crews and keep his own standards. Rosa runs the books and the office.

What we do:
- Driveways, patios, sidewalks and walkways for homeowners.
- Stamped and decorative concrete.
- Foundations and slabs for builders and remodelers.
- Retaining walls and small commercial flatwork.
- Repairs, leveling and replacement of cracked concrete.

Who we serve: Homeowners, home builders, remodelers and small commercial property owners within about 40 miles of San Antonio.

Licensing and insurance. We will register the LLC, carry general liability and workers compensation insurance and hold the licenses and permits the city and county require. Every job that needs a permit gets one, and a copy of our insurance goes to every builder who asks.

Our promise. Show up when we say, pour it right the first time and leave the site clean.

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

San Antonio is growing fast, and good concrete work is hard to get on schedule.

What customers run into:
1. Crews that miss start dates and do not return calls.
2. Prices that change after the work begins.
3. Concrete that cracks or pools water because the base or slope was wrong.
4. Messy job sites and leftover debris.

Why it matters. Concrete is poured once. A bad driveway or slab costs thousands to tear out and replace, and builders lose time while they wait.

Products & Services

Cornerstone Concrete and Flatwork will be the dependable choice in San Antonio for this work.

What makes us different:
1. Written estimates with a clear price and schedule.
2. A licensed contractor on every job.
3. Careful base preparation and drainage planning.
4. Clean job sites and a final walk-through with the customer.
5. A one-year workmanship warranty.

How a job works:
1. The customer calls or books online, and we visit the site and measure.
2. We send a written estimate with price, materials and schedule.
3. We prepare the base, set the forms, pour and finish the concrete.
4. We clean the site, walk through the work with the customer and send the invoice.

Why customers stay. Homeowners refer neighbors, and builders keep a crew they can count on.

Market Analysis

Who we serve:
- Homeowners adding or replacing a driveway, patio or walkway.
- Home builders and remodelers who need slabs and flatwork on schedule.
- Small commercial owners with sidewalks, pads and parking areas.
- Property managers who need repairs and replacements.

How we sized the market. We are not counting on every driveway in San Antonio. Our Year 1 plan is about 32 driveway and flatwork jobs, 10 decorative jobs and 5 foundation and commercial pours, a very small share of the concrete work done in a region this size. Replace this estimate with your own count of permits and jobs near you.

Why now. New homes, remodels and aging driveways keep demand steady, and many crews are overbooked. A reliable crew with a clear schedule wins repeat work from builders.

Competitive Landscape

What customers can do today:

1. Large concrete companies. Strong crews, long wait times and higher overhead.
2. Small one-truck crews. Often cheaper, with uneven schedules and no insurance.
3. Builders' in-house crews. Good for their own jobs and not open to the public.
4. Ready-mix suppliers with pour services. Convenient and limited in scope.
5. Do-it-yourself jobs. Cheap up front, and costly when they fail.

Where we fit. Cornerstone will not be the cheapest or the biggest. We will be the crew that is licensed, insured, on time and clear about price.

Marketing & Sales Strategy

How customers will find us.

Before opening:
- Join the local home builders association and introduce ourselves to builders.
- Show finished work with photos from earlier jobs, with the owners' permission.
- Set up a simple website and a Google Business Profile.
- Offer a free estimate and a clear written price.

After opening:
- Ask every customer for a review.
- Leave yard signs at finished jobs with the owner's permission.
- Send a thank-you card and a referral offer after each job.
- Follow up with builders every month.
- Take photos and short videos of 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. Concrete is poured most of the year in San Antonio, with slower days in the hottest summer afternoons and cold snaps. We plan pours in the morning and book estimates two weeks ahead.

Crew. Miguel runs the crew on site. Two crew members handle forms, finishing and cleanup. We add crew as bookings grow.

Quality and safety. Every crew member wears protective gear, handles wet concrete with care and follows safe lifting and equipment rules. We check forms and bases before every pour.

Equipment. We will buy a used work truck, an equipment trailer, a small skid steer, forms and finishing tools and a concrete saw. Ready-mix concrete is bought from local suppliers 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 Cornerstone Concrete and Flatwork.

Miguel Estrada, licensed contractor and foreman. He estimates, supervises every pour and trains the crew. Rosa Estrada, office manager. She handles the books, scheduling, insurance and customer calls. (Replace this paragraph with your own background.)

Crew. Two crew members in Year 1, growing to six, each trained on safety and finishing.

Office. A part-time office manager joins in Year 2 as bookings grow.

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 / Foreman $58,000; concrete Crew Member $40,000; office Manager $36,000. 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 truck and equipment, set up insurance and meet the first builders.
- Year 1: about 47 jobs with one crew of three; $315,900 in sales and a loss of about $46,900.
- Year 2: about 70 jobs and a part-time office manager; $496,048 in sales and a loss of about $26,900.
- Year 3: about 98 jobs with a fourth crew member; $686,732 in sales and a profit of about $26,900.
- Year 4: about 126 jobs and a second pump and finishing crew; $888,378 in sales and a profit of about $80,100.
- Year 5: about 158 jobs and a plan for a second truck; $1,101,573 in sales and a profit of about $137,900.
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: $165,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $88,500, listed item by item in the Startup Costs section: $28,000 for used one-ton work truck, $8,000 for equipment trailer, $12,000 for forms, screeds and finishing tools, $6,000 for concrete saw and vibrators, $16,000 for used small skid steer, $3,500 for LLC filing, license and attorney review of contracts, $6,000 for general liability and workers compensation insurance, first payment, $4,500 for truck wrap, yard signs and website, $3,000 for supplier account deposits, $1,500 for safety gear and training.
- The cash the business uses before it breaks even, about $26,800. Jobs are won over the first months, so the business pays for crew, fuel and insurance before sales catch up.
- A cash cushion of about $47,800: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $74,600, and the three pieces add up to about $163,100, rounded up to the nearest $500: $163,500.
We are raising $1,500 more than that, $165,000 in all, to cover a slower first season than planned. With this funding, the lowest year-end cash balance is about $16,400, at the end of Year 2.

Where the money comes from:
- Our own money: $20,000.
- SBA 7(a) loan: $145,000.

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 loss of about $46,900 in Year 1, a loss of about $26,900 in Year 2, a profit of about $26,900 in Year 3, a profit of about $80,100 in Year 4 and a profit of about $137,900 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, $1,957 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).
- Your contractor license and proof of insurance.
- Two or three written estimates you have prepared.
- Quotes for the truck and equipment.
- Photos of past work with the owners' permission.
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):
- Residential Driveways and Flatwork: about $5,200 in Year 1, rising to $5,853; about $2,300 in direct costs, rising to $2,589; about 32 in Year 1, growing to 96.
- Commercial and Foundation Pours: about $15,500 in Year 1, rising to $17,445; about $7,800 in direct costs, rising to $8,779; about 5 in Year 1, growing to 17.
- Decorative Stamped Concrete: about $7,200 in Year 1, rising to $8,104; about $3,000 in direct costs, rising to $3,377; about 10 in Year 1, growing to 30.
- A job is one driveway, patio or foundation. Residential jobs average about $5,200, and commercial and foundation pours average about $15,500.
- Prices rise about 3% a year.
- Equipment ($70,000 in Year 1) covers a work truck, an equipment trailer, a skid steer, forms and finishing tools and a concrete saw, and later years ($4,000, $8,000, $6,000 and $8,000) replace and add equipment.
- Pay (a full year, per person): owner / Foreman $58,000; concrete Crew Member $40,000; office Manager $36,000.
- Other yearly costs in Year 1: truck and Equipment Fuel and Maintenance $18,000, insurance and Bonding $14,000, marketing $6,000, equipment Rental $8,000, software, Permits and Admin $7,000. 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 $12,636 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