Massage & Spa Studio

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Executive Summary

Still Water Massage is a massage studio in our city offering therapeutic and relaxation massage by licensed therapists, with monthly memberships and single sessions at fair prices. Many people want regular massage for stress, pain and recovery, but spas can be expensive and hard to book. A membership at a fair price makes care regular instead of a rare treat. We will win clients by being skilled, professional and welcoming, keeping prices fair and making booking easy. Here is what our numbers show. We expect sales of about $114,300 in Year 1, growing to about $453,700 by Year 5 as we add licensed therapists and more members. We expect losses of about $21,500 in Year 1 and $14,400 in Year 2 while we build our customer base, then a profit from Year 3 (about $3,800), growing to about $40,600 by Year 5. We need $85,000 in total. That covers $55,200 in startup costs (massage tables and treatment room equipment, a small build-out, opening supplies, license fees, insurance, a sign and a lease deposit) 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 $69,000. The startup costs include a small studio build-out and a lease deposit. I am Daniel Ramirez, the owner. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Still Water Massage will be a limited liability company (LLC) in Mississippi, owned by Daniel Ramirez. We will work from a leased studio with two treatment rooms, a reception area and a small laundry area. What we believe. Provide skilled, professional care, respect every client's boundaries, keep the space clean and calm and keep prices fair. What we offer:
- Therapeutic massage for pain, tension and recovery. - Relaxation massage. - Monthly memberships with a set number of sessions. - Hot stone, prenatal and sports massage, as trained. - Gift certificates and couples sessions. Licenses and insurance. Massage therapy is licensed in nearly every state. Therapists must complete approved training, pass an exam and renew their license, and the business needs a business license, a health and sanitation compliance plan and liability insurance. Our state requires a massage therapist license, which I hold, and our city requires a massage establishment permit. We keep a professional environment: every session starts with an intake and consent, clients are always properly draped and our advertising and conduct follow the law. We make no medical claims. Where things stand today. I have been a licensed massage therapist for six years, I have a client base of 40 people at a spa and I have looked at three small spaces.

Problem & Opportunity

People near us want massage that is skilled, professional and affordable. 1. High prices. Many spas charge a lot for a single session. 2. Hard to book. Good therapists are often fully booked. 3. No regular care. People only go when pain gets bad. 4. Uneven professionalism. Some places do not feel safe or clean. How we know people want this. Twenty clients said they would follow me, and a physical therapist said she would refer clients.

Products & Services

What we sell. 1. Monthly memberships. A monthly fee for a set number of sessions or a discounted session. Our plan assumes an average of about $72 per member per month in Year 1, rising to about $80 by Year 5. Linens, oils and direct costs run about $20 per member per month. We expect about 900 member months in Year 1 (about 75 members on average), growing to about 3,517 a year by Year 5. 2. Single-session bookings. One-time massage sessions. Our plan assumes an average of about $99 per session in Year 1, rising to about $110. Direct costs run about $28 per session. We expect about 500 sessions in Year 1, growing to about 1,567. Our prices. 60-minute massage $95. Membership with one monthly session $72. 90-minute massage $135. How it works for the customer:
1. An easy online booking and a short intake form. 2. A warm welcome, a conversation about goals and a private, comfortable room. 3. A professional session, with clear communication about pressure and comfort. 4. A follow-up, a plan for regular care and easy rebooking. Gross margin, explained. "Gross margin" is the share of each sale left after paying for materials and direct job costs. Our plan shows about 72% in Year 1. That money pays the owner and crew, vehicle costs, insurance and other bills.

Market Analysis

Who will hire us:
- Desk workers with neck and back tension. - Athletes and active people who want recovery. - People managing stress and chronic pain. - Gift buyers and couples. Where we will work. A studio in a convenient location on the west side, near an office park and two neighborhoods, with parking. Season. Massage is steady all year, with extra demand before the holidays and after hard training seasons. Memberships give steady income. Our plan is careful on purpose. About 75 members and 500 single sessions in Year 1 is a schedule the owner can handle well, with extra therapists added later.

Competitive Landscape

Other choices customers have:
1. Spas and chains. Serene Spa (a made-up name) charges about $110 for a 60-minute massage; known for ambiance, but pricey. 2. Independent therapists. We compare their prices and availability. 3. Chiropractors and physical therapists. They offer hands-on care, but it is usually more medical and more costly. How we will win customers: skilled therapists, a professional and calm space, fair memberships and easy booking.

Marketing & Sales Strategy

How people will find us. - A free Google business listing with photos and reviews, and a simple website with online booking. - Referral rewards for members who bring friends. - Relationships with physical therapists, chiropractors, gyms and employers. - Gift certificates for holidays and special occasions. - Social media with relaxation tips, with no medical claims. Marketing budget. About $6,000 a year. The sign, logo and website are paid for from startup costs.

Operations Plan

How the business runs day to day. Sessions and studio. The owner treats clients and manages the studio. In Year 1 the owner works alone. We add one licensed massage therapist in Year 2 and grow to four by Year 5. Each client has a record with intake notes and consent, kept private. Equipment. About $30,000 to start: massage tables and chairs; linens, hot towel cabinet and laundry equipment; sound, aromatherapy and decor; reception desk, furniture, point-of-sale and booking system; hydrocollator, stones and treatment supplies; treatment room cabinetry and storage; water heater and plumbing hookups; retail displays; computer. We set aside about $3,000 to $4,000 a year for repairs and replacements. Upkeep. Tables, linens and rooms cleaned between every client, laundry done daily and equipment inspected regularly. Safety. Strict sanitation and clean linens, safe water temperatures for hot treatments, health intake with referrals to doctors when needed and a professional environment with consent and draping. Running costs in Year 1: studio lease and utilities about $26,000, marketing about $6,000, supplies and admin about $7,000. Scheduling and billing. Online booking and billing software, with members billed monthly by card.

Management & Organization

Who runs the business. Daniel Ramirez, owner. As owner I will treat clients, manage the studio, book appointments, market the business and handle the money side of the business. I plan to pay myself $50,000 a year in salary in Year 1. Crew. Licensed massage therapists at about $42,000 a year each (or part-time pay): none in Year 1, one 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). Diane Carter serves as a key volunteer advisor.

Milestones Narrative

Our goals and when we plan to reach them. - Before starting: sign the lease, get licenses and insurance, build out the rooms, buy equipment and open for bookings. Target start: April 2027. - First year: reach about 900 member months and 500 single sessions, for about $114,300 in sales. - Year 2: add a licensed massage therapist, about $183,100 in sales, and a loss of about $14,400. - Years 3 to 5: grow to four licensed massage therapists and about $453,700 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: sessions booked, members, cancellations, rebooking rate, reviews, and cash in the bank.

Funding Request

How much we need and how we will use it. Total needed: $85,000. This number comes from the Funding Need Calculator in this plan. It adds up: - Startup costs of $55,200, listed item by item in the Startup Costs section (about $30,000 for the tables, linens, laundry, furniture, treatment equipment and booking system, $12,000 for soundproofing, flooring and paint, $2,000 for opening oils, lotions and retail products, $800 for the business license and therapist license fees, $2,000 for the first insurance payment, $900 for entity formation, lease review and bookkeeping, $3,000 for the sign, logo and website, and $4,500 for the lease security deposit). - A cash cushion of about $29,800: 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 "cash cushion." - Together that comes to about $85,000 (rounded up to the nearest $500), which is the total we are planning for. Where the money comes from: - My own money: $16,000. - Amount requested: $69,000. Kind of funding we are looking for: an SBA 7(a) loan through a local bank or community lender. How we will pay it back. We expect losses of about $21,500 in Year 1 and $14,400 in Year 2 while we build our customer base, then a profit from Year 3 (about $3,800), growing to about $40,600 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 $1,020 a month are already included in our cash flow. What we are offering the lender: our equipment 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 renting a treatment room by the day in an existing space, with a portable table, while keeping your current job. Startup can be under $2,500. - Phase 2: once you have regular clients, lease a small studio, buy tables 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. - Your lease or letter of intent, if you have one. - Quotes for the equipment and build-out. - Your menu or price list. - Photos of your product or past work, if you have them. - Your massage therapy license and certificates. 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):
- Monthly Memberships: about $72 per member month in Year 1, rising to $80; about $20 per member month in direct costs; about 900 member months in Year 1, growing to 3,517. - Single-Session Bookings: about $99 per session in Year 1, rising to $110; about $28 per session in direct costs; about 500 sessions in Year 1, growing to 1,567. - Owner salary: $50,000 a year. Crew: $42,000 a year each, from none in Year 1 to four in Year 5. - Other yearly costs in Year 1: studio lease and utilities about $26,000, marketing about $6,000, supplies and admin about $7,000. - Tax rate: 21%. - Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs