Clear Drip Hydration and Wellness

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

Executive Summary

Clear Drip Hydration and Wellness is an IV hydration clinic in Nevada. Licensed registered nurses give IV fluid treatments, in our clinic or at a customer's hotel room or home, under standing orders from a supervising medical director. Our customers are people who feel run down after travel, illness, a long event or intense exercise and want hydration care from a professional.

The problem is simple. Many people feel dehydrated or tired and are not sure where to turn that is not an emergency room. We screen every customer, explain what the treatment is and is not, and refer anyone who needs a doctor to a doctor.

Here is what our numbers show. We expect sales of $347,130 in Year 1, growing to $826,090 by Year 5 as we add nurses, memberships and mobile visits. We expect a loss of about $9,300 in Year 1 while we build our client base, then a profit from Year 2 (about $14,400), growing to about $99,100 by Year 5.

We need $155,000 in total. That covers $95,000 in startup costs (treatment recliners and clinical equipment, supplies, a small build-out, the medical director agreement, the lease deposit, licenses and insurance) and a cash cushion for the first months. I am putting in $40,000 of my own money, and I am asking for a $115,000 SBA loan.

I am Jordan Ellis, the owner. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Clear Drip Hydration and Wellness will be a limited liability company (LLC) in Nevada, owned by Jordan Ellis. An LLC is a business type that generally keeps your home and savings separate from the business's debts and lawsuits, although a lender may still ask for a personal guarantee. A business attorney or the Small Business Development Center (SBDC) can explain how it works in our state.

What we believe. IV therapy is a medical service. We screen every customer, follow written orders, keep a nurse at every treatment and send anyone with a serious problem to a doctor or emergency room.

What we offer:
- In-clinic IV hydration treatments. Hydration and vitamin treatments given by a registered nurse under the medical director's standing orders.
- Mobile visit treatments. The same treatments at a hotel room or home.
- Memberships and event packages. A monthly membership and group packages for events.
- Later, as we grow: a second nurse team and corporate wellness visits. The numbers in this plan do not include these.

What we do not claim. We do not diagnose, treat or cure any disease and we do not claim that IV treatments prevent illness. Results vary.

How the medical side works. States regulate who may order and give IV treatments, who may own a clinic and what a medical director must do. Before I sign a lease I will ask an attorney who knows our state's rules to confirm the ownership structure, the medical director agreement, nurse licensing and pharmacy sourcing, and I will not open until the advice is in writing. I am not a clinician, so every treatment is given by a licensed nurse under a medical director's orders. We budget $27,600 a year for the medical director and malpractice coverage in Year 1.

The space. In Year 1 we will lease about 1,400 square feet with treatment chairs, a consultation room and a small supply room. We budget $30,000 a year ($2,500 a month) for rent and utilities.

Where things stand today. This plan is my starting point. Before I sign a lease or buy equipment, I will talk with at least 20 prospective customers and 5 nurses about what they would pay and need, get the attorney's written advice and line up at least 30 people who say they would book. If the numbers do not match this plan, I will change the plan before I spend money.

Problem & Opportunity

Dehydration and fatigue are common, and the choices are limited.

1. Few non-emergency options. People do not want to go to an emergency room for mild dehydration.
2. Travel and events. Visitors and event guests want help in their hotel.
3. Safety concerns. Customers worry about who is giving treatments and whether they are supervised.
4. Overpromising. Some providers claim benefits that are not proven.
5. Convenience. Many people want a quick appointment.

How we will find out if people want this before we spend money. I will talk with at least 20 prospective customers and 5 nurses, and ask at least 30 people to say in writing that they would book. Our Year 1 plan needs about 1,440 clinic treatments, 335 mobile visits and 345 membership-months.

Products & Services

What we sell. We have three offerings, each priced simply.

1. In-clinic IV hydration treatments. The plan assumes an average of about $165 per treatment in Year 1, rising to about $185 by Year 5. Fluids, supplies and disposables cost about $48 per treatment. We expect about 1,440 treatments in Year 1 (about 28 a week), growing to about 2,820 a year by Year 5.
2. Mobile visit treatments. The plan assumes about $225 per visit in Year 1, rising to about $253, with about $60 per visit in direct costs. We expect about 335 visits in Year 1, growing to about 760.
3. Memberships and event packages. The plan assumes about $99 per member per month in Year 1, rising to about $111, with about $30 per month in direct costs. We expect about 345 member-months in Year 1, growing to about 1,010.

Our prices. A clear price for each treatment, a posted membership price and a written event package quote.

How it works for a customer:
1. The customer books online and fills out a health history.
2. A registered nurse reviews the history and screens for conditions that need a doctor's care. We do not treat anyone who is not suitable.
3. The nurse explains the treatment, gets consent and gives the treatment under the standing orders, watching the customer throughout.
4. The customer leaves with written instructions and a number to call.

Gross margin, explained. "Gross margin" is the share of each sale left after paying for fluids, supplies and disposables. Our plan shows about 71% in Year 1. That money pays the nurses, medical director, rent and other bills. Pay is counted separately, under payroll.

Market Analysis

Who will use us:
- Travelers and event guests who want recovery care.
- Athletes and active people.
- People recovering from a cold or a long day who are otherwise healthy.
- Groups and companies planning wellness events.

Where we will work. The clinic and mobile visits within about 25 minutes.

How we sized the plan. Our Year 1 plan needs about 28 clinic treatments a week plus mobile visits and memberships, which a nurse and a front desk can handle. I will check the real numbers by talking to customers before spending money.

Season. Holidays, summer and conference seasons are busy. The numbers show a yearly average.

Competitive Landscape

Other choices customers have:
1. Other IV clinics and mobile services.
2. Urgent care clinics.
3. Drinking fluids and resting.
4. Oral supplements.

How we will win customers: licensed nurses, a medical director, careful screening and honest claims. These are promises we have to keep, and any competitor could make them too, so we will measure ourselves on them every week.

Marketing & Sales Strategy

How customers will find us.
- A website with clear treatment information, nurse profiles and online booking.
- A free Google business listing with reviews.
- Hotels, event planners and gyms.
- Educational posts on social media that follow advertising rules and do not promise results.
- A referral thank-you within the rules for health advertising.

Marketing budget. About $12,000 a year in Year 1 (about $1,000 a month), growing about 8% a year. The sign, website and photos are paid for from startup costs ($6,000).

Operations Plan

How the business runs day to day.

The clinic. A reception area, treatment chairs, a consultation room and a supply room with a refrigerator.

A normal day:
1. Review bookings, health histories and supplies.
2. Screen each customer, explain the treatment and obtain consent.
3. Give treatments under standing orders with the nurse at the customer's side.
4. Dispose of sharps and waste properly, record each treatment and follow up.

Safety and compliance. A registered nurse is present for every treatment, we follow written protocols, keep emergency equipment and train staff to respond, call 911 for a serious reaction and keep records for every customer. We buy supplies only from licensed sources, keep products stored properly and report problems as the law requires. We follow advertising rules and do not make medical claims.

Equipment. About $35,000 to start: treatment recliners and IV stands, a medical refrigerator and cart, mobile visit kits and computers. We set aside about $5,000 a year after that.

Running costs in Year 1: rent and utilities about $30,000, the medical director and malpractice coverage about $27,600, booking software and card fees about $6,000, marketing about $12,000, insurance about $4,800, and biohazard disposal, accounting, licenses and legal about $7,800. That is $88,200 in all.

Payment. Customers pay by card at the visit, so what is owed to us is small.

Management & Organization

Who runs the business. Jordan Ellis, owner and general manager. As owner I will manage the business and handle the money, and the clinical work is done only by licensed nurses under the medical director. I plan to pay myself $45,000 a year in salary.

The team. Pay figures include payroll taxes and workers' compensation insurance.
- Registered nurse (full-time): one in Years 1 and 2, two in Years 3 and 4 and three in Year 5, at about $82,000 a year each.
- Front desk coordinator (part-time): one in Years 1 to 3 and two in Years 4 and 5, at about $20,000 a year each.

We confirm every license before the first treatment, check references and train everyone on privacy, consent and emergencies.

People who will help us: a bookkeeper or tax preparer, an insurance agent who understands medical practices, a business attorney for a one-time review of the medical director agreement and the lease, and a free mentor from SCORE or the Small Business Development Center (SBDC).

Milestones Narrative

Our goals and when we plan to reach them.
- Before opening (6 to 9 months ahead): get the attorney's written advice on ownership, the medical director, nurse licensing and pharmacy sourcing, talk with at least 20 prospective customers and 5 nurses, line up at least 30 who say they would book, register the LLC and get an EIN, open a business bank account, get insurance quotes, find a space and have the attorney review the lease. Sign the lease only after the legal advice and the interest list are in hand.
- Year 1: open with one nurse and a front desk coordinator, with about 28 clinic treatments a week, $347,130 in sales and a loss of about $9,300.
- Year 2: grow memberships, with about 1,530 clinic treatments a year, $393,650 in sales and a profit of about $14,400.
- Year 3: add a second nurse, with about 2,070 clinic treatments a year, $564,575 in sales and a profit of about $41,600.
- Year 4: grow mobile and event visits, with about 2,270 clinic treatments a year, $643,590 in sales and a profit of about $65,600.
- Year 5: grow to about 2,820 clinic treatments a year with a team of six, $826,090 in sales and a profit of about $99,100.
Growth depends on winning and keeping customers, hiring licensed nurses and following every medical rule, so treat the later years as goals, not promises.

What we check every week: treatments, mobile visits, memberships, repeat rate, adverse events (aim for none), supply cost per treatment, reviews and cash in the bank.

Funding Request

How much we need and how we will use it. Total we are raising: $155,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $95,000, listed item by item in the Startup Costs section: $16,000 for treatment recliners, IV stands and clinical equipment, $9,000 for medical refrigerator, cart, sharps and safety equipment, $6,000 for mobile visit kits, coolers and travel supplies, $4,000 for computers, tablets and card readers, $14,000 for opening supplies and inventory, $20,000 for treatment area build-out and finishes, $5,500 for lease deposit and first month of rent, $1,500 for business and facility licenses and permits, $9,000 for legal setup, medical director agreement and accounting, $6,000 for sign, website and photos, and $4,000 for first insurance payment.
- A cash cushion of about $59,400: the deepest hole our cash falls into while we build our client base and cover rent, pay and the medical director (about $600) plus about 3 months of running costs (about $58,800). Lenders call this "working capital."
- Together that comes to about $154,400, rounded up to the nearest $500: $154,500.
We are raising $500 more than that, $155,000 in all, to leave extra room for loan payments in the first years and for rent and pay before the schedule is full.

Where the money comes from:
- My own money: $40,000.
- Amount requested as a loan: $115,000.

Kind of funding we are looking for. An SBA 7(a) small loan through a local bank or community lender. Put any agreement with a lender, family member or friend in writing.

How we will pay it back. We expect a loss of about $9,300 in Year 1 while we build our client base, then a profit from Year 2 (about $14,400), growing to about $99,100 by Year 5. With this funding, the business has money in the bank at the end of every year of the plan, and the lowest year-end balance is about $101,000, at the end of Year 1. The loan is planned at 12.75% interest over 10 years, so payments of about $1,700 a month (about $20,402 a year) are already included in our cash flow. We chose 12.75% as a cautious planning rate. Ask the lender for the real rate, which may be lower or higher.

What we are offering the lender: our equipment as collateral (something the lender can claim if the loan is not repaid) and my personal guarantee (my promise to repay from my own money if the business cannot).

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 mobile visits only, with a licensed nurse and medical director in place and no clinic lease (check the rules). Startup can be roughly $15,000 to $25,000 for supplies, insurance and a website. Get your own quotes.
- Phase 2: once mobile visits book steadily, lease a small clinic 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 training 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.
- Your attorney's written advice on ownership, supervision and licensing.
- The signed medical director agreement, standing orders and emergency plan.
- Consent forms and a health history form.
- A letter or quote for the space and quotes for equipment.
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):
- In-Clinic IV Hydration Treatments: about $165 per treatment in Year 1, rising to $185; about $48 per treatment in direct costs, rising to $52; about 1,440 treatments in Year 1, growing to 2,820.
- Mobile Visit Treatments: about $225 per visit in Year 1, rising to $253; about $60 per visit in direct costs, rising to $68; about 335 visits in Year 1, growing to 760.
- Memberships and Event Packages: about $99 per member-month in Year 1, rising to $111; about $30 per member-month in direct costs, rising to $34; about 345 member-months in Year 1, growing to 1,010.
- Pay: Owner / General Manager $45,000 (1/1/1/1/1); Registered Nurse (full-time) $82,000 (1/1/2/2/3); Front Desk Coordinator (part-time) $20,000 (1/1/1/2/2). The numbers in parentheses are how many people we plan to have in Years 1 through 5. Pay figures are yearly and include payroll taxes and workers' compensation.
- Other yearly costs in Year 1: clinic rent & utilities $30,000, medical director and malpractice coverage $27,600, booking software & card fees $6,000, marketing $12,000, business insurance $4,800, and biohazard disposal, accounting, licenses & legal $7,800. These grow between 6% and 12% a year as the business grows.
- Customers pay by card at the visit. At the end of Year 1 about $10,414 (3% of Year 1 sales) is card payments or membership billing still to come.
- Tax rate: 21%.
- Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs