Glass & Window Company

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Executive Summary

Clearview Glass is a glass and window company serving homeowners, landlords and small businesses in our city and the nearby suburbs. We replace windows and doors, and repair broken glass, storefronts, mirrors and shower doors. A broken window is a safety and security problem and a leak of heat and money. Many glass companies are slow, quote high prices for emergency repairs or only do big jobs. We will win customers by answering quickly, boarding up when needed, giving clear prices and doing neat, safe installations. Here is what our numbers show. We expect sales of about $154,000 in Year 1, growing to about $612,200 by Year 5 as we add glass installers and more window replacement jobs. We expect losses of about $60,500 in Year 1 and $57,000 in Year 2 while we build our customer base, then a profit from Year 3 (about $3,500), growing to about $40,800 by Year 5. We need $177,500 in total. That covers $30,800 in startup costs (a used van with glass racks, cutting and glazing tools, opening glass and hardware, license fees, insurance and advertising) and a cash cushion of about three months of bills. I am putting in $16,000 of my own money, and I am asking for $137,500 as an SBA 7(a) loan, plus $24,000 from an investor or partner. The startup costs include a used service van with racks for carrying glass. I am Sandra Garcia, the owner. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Clearview Glass will be a limited liability company (LLC) in Arizona, owned by Sandra Garcia. We will work from my home, with the van parked in my driveway and glass stored on racks in my garage. What we believe. Show up fast, make the opening safe first, give honest prices and leave a clean job. What we offer:
- Window replacement for homes. - Emergency board-up and glass repair. - Storefront, door and commercial glass. - Mirrors, shower doors and table tops. - Screens, sealant and energy upgrade advice. Licenses and insurance. Glass work needs a business license in most places, and window replacement may need a contractor license and permits, depending on the dollar amount and the type of work. Our state requires a contractor license for jobs over $1,000, so I will get my license before taking larger replacements. On homes built before 1978, we follow lead-safe rules when disturbing painted window frames. We carry general liability and commercial auto insurance, and workers' compensation once we hire. Safety glass and energy ratings follow code. Where things stand today. I have worked for a glass company for five years, I own hand tools and I have repaired windows for friends and neighbors.

Problem & Opportunity

Homeowners and businesses near us need glass repaired quickly and installed well. 1. Slow response. A broken window may sit open for days. 2. High emergency prices. Some companies charge far more for after-hours calls. 3. Poor installs. Badly sealed windows leak air and water. 4. Long lead times. Custom windows can take weeks, and customers are rarely told why. How we know people want this. Six neighbors asked me to replace windows last year, and a property manager said she needs a fast glass repair company.

Products & Services

What we sell. 1. Window replacement jobs. Replacing windows and doors in homes. Our plan assumes an average of about $6,800 per job in Year 1, rising to about $7,653 by Year 5. Windows, materials and direct costs run about $3,400 per job. We expect about 15 jobs in Year 1, growing to about 53 a year by Year 5. 2. Glass repair and storefront jobs. Repairing broken glass, doors, mirrors and storefronts. Our plan assumes an average of about $650 per job in Year 1, rising to about $730. Glass and direct costs run about $250 per job. We expect about 80 jobs in Year 1 (about 2 a week), growing to about 283. Our prices. Window replacement from $450. Storefront glass from $350. Shower door from $600. Emergency board-up from $150. How it works for the customer:
1. A call answered quickly, and a rough price on the phone. 2. An emergency board-up if needed, and a written quote for the repair. 3. A planned install, with the area protected and cleaned. 4. A walk-through, an explanation of the warranty and a clean finish. Gross margin, explained. "Gross margin" is the share of each sale left after paying for materials and direct job costs. Our plan shows about 54% in Year 1. That money pays the owner and crew, vehicle costs, insurance and other bills.

Market Analysis

Who will hire us:
- Homeowners replacing old or broken windows. - Landlords and property managers with many units. - Small businesses with storefronts and doors. - Homeowners who need mirrors, shower doors and table tops. Where we will work. A service area close enough to reach customers fast, starting with five neighborhoods and two nearby towns within 20 minutes of my home. Season. Glass repairs happen all year, with spikes after storms and break-ins. Window replacement is busiest in spring and fall. Our plan is careful on purpose. About 2 repair jobs a week in Year 1 is a pace the owner and one installer can handle well.

Competitive Landscape

Other choices customers have:
1. Larger glass and window companies. Metro Glass (a made-up name) charges about $450 for a standard window replacement; known for selection, but slow. 2. Home improvement stores that sell windows but outsource installs. 3. Handymen. Cheaper, but they may not carry glass or insurance. How we will win customers: fast response, safe board-ups, clear prices, neat installs and a warranty on our work.

Marketing & Sales Strategy

How people will find us. - A free Google business listing with reviews, and a simple website with a phone number that gets answered. - Asking every happy customer for a review and a referral. - Relationships with property managers, insurance agents, contractors and police departments for boarded-up calls. - Door hangers and flyers after storms. - Van lettering. Marketing budget. About $6,000 a year. Van lettering, business cards and the website are paid for from startup costs.

Operations Plan

How the business runs day to day. Calls and jobs. The owner takes calls, quotes jobs and schedules repairs and replacements. In Year 1 the owner works with one glass installer, and we grow to four by Year 5. Each job has a measured quote, a materials order, an install and a final walk-through. Equipment. About $20,000 to start: used service van with glass racks; glass cutting table and tools; suction cups and glazing tools; window installation tools; ladders and lift equipment; cut-resistant gloves, glasses and safety gear; glass racks for the van; tablet and software. We set aside about $2,500 to $3,500 a year for repairs and replacements. Upkeep. Cutting tools and suction cups checked regularly, the van restocked every night and glass handled with racks and padding. Safety. Broken and heavy glass is dangerous. We wear cut-resistant gloves and eye protection, lift with two people when needed, secure glass in racks and clear the area for customers. Running costs in Year 1: glass inventory and equipment about $12,000, marketing about $6,000, admin and insurance about $6,000. Scheduling and billing. A simple scheduling and invoicing app on my phone, with customers billed after each job and larger jobs billed in two parts.

Management & Organization

Who runs the business. Sandra Garcia, owner. As owner I will measure and install glass, quote jobs, schedule, order materials and handle the money side of the business. I plan to pay myself $54,000 a year in salary in Year 1. Crew. Glass installers at about $44,000 a year each (or part-time pay): one in Year 1, two in Year 2, two in Year 3, three in Year 4 and four in Year 5. People who will help us: a bookkeeper or tax preparer, an insurance agent, and a free mentor from SCORE or the Small Business Development Center (SBDC). Elena Flores serves as a key volunteer advisor.

Milestones Narrative

Our goals and when we plan to reach them. - Before starting: register the business, get the license and insurance, buy the van and tools, and set up the phone and website. Target start: March 2027. - First year: complete about 15 window replacements and 80 repair and storefront jobs, for about $154,000 in sales. - Year 2: add a second installer, about $243,500 in sales, and a loss of about $57,000. - Years 3 to 5: grow to four glass installers and about $612,200 in sales by Year 5. Growth depends on hiring good people and winning the work, so treat the later years as goals, not promises. What we check every week: calls answered, jobs finished, remakes, material costs, and cash in the bank.

Funding Request

How much we need and how we will use it. Total needed: $177,500. The Funding Need Calculator in this plan shows a minimum, and we plan to raise a little more than that so the loan payments in the early years are also covered. The calculator's number adds up: - Startup costs of $30,800, listed item by item in the Startup Costs section (about $20,000 for the van, glass racks, cutting and glazing tools and safety gear, $4,000 for opening glass, sealant and hardware, $900 for the contractor and business licenses, $3,200 for the first insurance payments, $700 for business setup and bookkeeping software, and $2,000 for van lettering, business cards and a website). - A cash cushion of about $146,700: 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 $153,500 (rounded up to the nearest $500), which is the minimum the calculator shows. We are planning for $177,500, which adds room for the early loan payments. Where the money comes from: - My own money: $16,000. - Amount requested: $137,500. - From an investor or partner: $24,000. Kind of funding we are looking for: an SBA 7(a) loan through a local bank or community lender, plus investor or partner money, which is not paid back with interest but gives that person a share of the business. How we will pay it back. We expect losses of about $60,500 in Year 1 and $57,000 in Year 2 while we build our customer base, then a profit from Year 3 (about $3,500), growing to about $40,800 by Year 5. With this funding, the business has money in the bank every year of the plan. The loan is planned at 12.75% interest over 10 years, the most the SBA allows for a loan this size, so payments of about $2,033 a month are already included in our cash flow. What we are offering the lender: our van and tools as collateral and my 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: start with small glass repairs and mirror work on evenings and weekends using your own vehicle and tools, while keeping your current job. Startup can be under $2,500. - Phase 2: once you have more jobs than you can handle part-time, buy the van and glass racks 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 (one page is fine) and any licenses or certificates. - 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, or a quote. - Quotes for the van and tools. - Your price list and a sample estimate. - Photos of past work and references, if you have them. 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):
- Window Replacement Jobs: about $6,800 per job in Year 1, rising to $7,653; about $3,400 per job in direct costs; about 15 jobs in Year 1, growing to 53. - Glass Repair & Storefront Jobs: about $650 per job in Year 1, rising to $730; about $250 per job in direct costs; about 80 jobs in Year 1, growing to 283. - Owner salary: $54,000 a year. Crew: $44,000 a year each, from one in Year 1 to four in Year 5. - Other yearly costs in Year 1: glass inventory and equipment about $12,000, marketing about $6,000, admin and insurance about $6,000. - Tax rate: 21%. - Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs