Radiance Med Spa

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

Executive Summary

Radiance Med Spa is a medical spa in Arizona. We offer aesthetic and laser treatments performed by licensed clinicians under a supervising medical director, plus facials, peels and a skincare retail line. Our clients are adults who want a skin or appearance treatment from a professional setting where safety comes first.

The problem is simple. Aesthetic treatments are medical procedures, but some providers are not properly supervised or explain too little about risks. We start with a consultation, explain what a treatment can and cannot do, and keep a licensed clinician and a medical director involved.

Here is what our numbers show. We expect sales of $334,000 in Year 1, growing to $1,086,950 by Year 5 as we add clinicians, estheticians and repeat clients. We expect a loss of about $74,900 in Year 1 while we build our client base, then a profit from Year 2 (about $18,400), growing to about $102,600 by Year 5.

We need $275,000 in total. That covers $173,800 in startup costs (treatment devices and rooms, supplies, the 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 $235,000 SBA loan.

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

Company Description

Radiance Med Spa will be a limited liability company (LLC) in Arizona, owned by Natalie Cruz. 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. Safety and honesty come first. We never promise a result, we say no when a treatment is not right for someone, and we follow the law on who may perform each service.

What we offer:
- Aesthetic and laser treatments. Treatments performed by licensed clinicians under written protocols from the medical director, after a consultation.
- Facials, peels and skin treatments. Services by licensed estheticians.
- Skincare retail products. Medical-grade and everyday skincare.
- Later, as we grow: body treatments and a membership plan. The numbers in this plan do not include these.

How the medical side works. Many states regulate who may own a medical practice, who may perform injectable and laser treatments and how a medical director must supervise. 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 and the licenses needed, and I will not open until that advice is in writing. I am not a clinician, so treatments will be performed only by clinicians licensed to perform them. We budget $27,600 a year for the medical director and malpractice coverage in Year 1.

The space. In Year 1 we will lease a suite of about 1,800 square feet with treatment rooms, a consultation room and a small retail area. We budget $36,000 a year ($3,000 a month) for rent and utilities, and the plan assumes this grows about 6% a year.

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 clients and 5 licensed clinicians about what they would pay and what they need, get the attorney's written advice and line up at least 40 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

Choosing an aesthetic provider is a serious decision.

1. Unclear supervision. Clients cannot always tell who is performing a treatment or who is responsible.
2. Overpromising. Some providers promise results that no treatment can guarantee.
3. Unclear prices. Package pricing and add-ons are not always explained.
4. Safety. Clients worry about infection, burns and poorly trained staff.
5. Hard to compare. Reviews and photos do not show how a clinic handles problems.

How we will find out if people want this before we spend money. I will talk with at least 20 prospective clients and 5 clinicians. Our Year 1 plan needs about 700 treatments, 600 facial and skin visits and 500 retail items.

Products & Services

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

1. Aesthetic and laser treatments. The plan assumes an average of about $320 per treatment in Year 1, rising to about $360 by Year 5. Products, disposables and device costs cost about $105 per treatment. We expect about 700 treatments in Year 1 (about 13 a week), growing to about 2,000 a year by Year 5.
2. Facials, peels and skin treatments. The plan assumes about $135 per visit in Year 1, rising to about $155, with about $28 per visit in supplies. We expect about 600 visits in Year 1, growing to about 1,750.
3. Skincare retail products. The plan assumes about $58 per item in Year 1, rising to about $66, with about $30 per item in cost. We expect about 500 items in Year 1, growing to about 1,450.

Our prices. A clear price list for each treatment, with any package terms in writing.

How it works for a client:
1. The client books a consultation and completes a medical history.
2. A licensed clinician reviews the history, explains the treatment, risks and aftercare and the client signs consent.
3. We perform the treatment following the medical director's protocol and record it.
4. The client leaves with written aftercare and a number to call, and we follow up.

Gross margin, explained. "Gross margin" is the share of each sale left after paying for products, disposables and device costs. Our plan shows about 68% in Year 1. That money pays the clinicians, medical director, rent and other bills. Pay is counted separately, under payroll. Results vary from person to person and we make no guarantees.

Market Analysis

Who will use us:
- Adults who want skincare and aesthetic treatments from a professional setting.
- People who are preparing for events or who want regular maintenance treatments.
- Clients who want a safe place for their first aesthetic treatment.

Where we will work. Clients within about 25 minutes of the clinic.

How we sized the plan. Our Year 1 plan needs about 13 treatments a week plus facial visits and retail, which a clinician and an esthetician can deliver. I will check the real numbers by talking to prospective clients before spending money.

Season. Fall and winter are popular for treatments that need downtime from the sun. The numbers show a yearly average.

Competitive Landscape

Other choices clients have:
1. Dermatology practices, which are trusted but may have long waits.
2. Other med spas, some of which are very good.
3. Salons and spas that offer non-medical treatments.
4. Chain clinics with set prices.

How we will win clients: a real consultation, licensed clinicians, a visible medical director and honest advice about what treatments can do. 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 clients will find us.
- A website with treatment information, clinician profiles and online booking.
- A free Google business listing with reviews.
- Educational posts on social media that follow advertising rules and do not promise results.
- Partnerships with hair salons, gyms and wellness practices.
- 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 ($7,500).

Operations Plan

How the business runs day to day.

The space. A reception and retail area, a consultation room, treatment rooms and a sterilization and supply room.

A normal day:
1. Review bookings, medical histories and supply levels.
2. Perform consultations and treatments by licensed clinicians under written protocols.
3. Clean and disinfect each room and dispose of sharps and waste as the law requires.
4. Record treatments, follow up and restock.

Safety and compliance. We keep an emergency plan with equipment and staff trained to respond, call 911 for any serious reaction, keep records of every treatment, store and handle medical products as required and have a plan for adverse events. We do not diagnose or treat disease, and we refer clients to a doctor when needed. We follow the rules on advertising and on before-and-after photos.

Equipment. About $90,000 to start: treatment devices, beds, carts and sterilization equipment, computers and reception equipment, and a medical-grade refrigerator. We set aside about $6,000 a year after that, and the plan adds devices in Year 3.

Running costs in Year 1: rent and utilities about $36,000, the medical director and malpractice coverage about $27,600, booking software and card fees about $8,400, marketing about $12,000, insurance about $4,800, and accounting, licenses and legal about $4,800. That is $93,600 in all.

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

Management & Organization

Who runs the business. Natalie Cruz, owner and general manager. As owner I will manage the business, hire and supervise staff, and handle the money, and the clinical work is done only by licensed clinicians. I plan to pay myself $45,000 a year in salary.

The team. Pay figures include payroll taxes and workers' compensation insurance.
- Licensed clinician: one in Years 1 and 2, two in Years 3 and 4 and three in Year 5, at about $85,000 a year each.
- Esthetician (full-time): none in Year 1, one in Years 2 and 3 and two in Years 4 and 5, at about $40,000 a year each.
- Front desk coordinator: one in Years 1 to 3 and two in Years 4 and 5, at about $32,000 a year each.

We confirm every license before the first client, 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, medical director and licensing, talk with at least 20 prospective clients and 5 clinicians, line up at least 40 who say they would book, register the LLC and get an EIN, open a business bank account, get insurance and equipment quotes, find a suite 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 licensed clinician and a front desk coordinator, with about 13 treatments a week, $334,000 in sales and a loss of about $74,900.
- Year 2: add our first esthetician, with about 1,100 treatments a year, $544,000 in sales and a profit of about $18,400.
- Year 3: add a second clinician and add devices, with about 1,450 treatments a year, $739,350 in sales and a profit of about $47,200.
- Year 4: add a second esthetician and a second front desk coordinator, with about 1,750 treatments a year, $917,500 in sales and a profit of about $82,300.
- Year 5: grow to about 2,000 treatments a year with a team of eight, $1,086,950 in sales and a profit of about $102,600.
Growth depends on winning and keeping clients, hiring licensed clinicians and following every medical rule, so treat the later years as goals, not promises.

What we check every week: treatments, consultations booked, 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: $275,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $173,800, listed item by item in the Startup Costs section: $58,000 for laser and skin treatment devices, $14,000 for treatment beds, chairs, carts and sterilization equipment, $9,000 for computers, tablets, reception desk and card readers, $9,000 for medical-grade refrigerator, supplies cabinets and safety equipment, $16,000 for opening treatment supplies and retail products, $38,000 for treatment rooms, plumbing, lighting and finishes, $6,500 for lease deposit and first month of rent, $1,800 for business and facility licenses and permits, $9,000 for legal setup, medical director agreement and accounting, $7,500 for sign, website and photos, and $5,000 for first insurance payment.
- A cash cushion of about $100,600: the deepest hole our cash falls into while we build our client base and cover rent, pay and the medical director (about $36,700) plus about 3 months of running costs (about $63,900). Lenders call this "working capital."
- Together that comes to about $274,400, rounded up to the nearest $500: $274,500.
We are raising $500 more than that, $275,000 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: $235,000.

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 $74,900 in Year 1 while we build our client base, then a profit from Year 2 (about $18,400), growing to about $102,600 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 $105,400, at the end of Year 1. The loan is planned at 12.75% interest over 10 years, so payments of about $3,474 a month (about $41,691 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 non-medical services such as facials and skincare in a rented room (check the rules) while the legal setup is finished. Startup can be roughly $15,000 to $25,000 for a treatment room, supplies, insurance and a website. Get your own quotes.
- Phase 2: once the legal and medical director setup is complete, add clinician-led treatments 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 licenses.
- The signed medical director agreement and treatment protocols.
- Consent forms and an emergency plan.
- Quotes for devices and a letter or quote for the space.
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):
- Aesthetic and Laser Treatments: about $320 per treatment in Year 1, rising to $360; about $105 per treatment in direct costs, rising to $117; about 700 treatments in Year 1, growing to 2,000.
- Facials, Peels and Skin Treatments: about $135 per visit in Year 1, rising to $155; about $28 per visit in direct costs, rising to $32; about 600 visits in Year 1, growing to 1,750.
- Skincare Retail Products: about $58 per item in Year 1, rising to $66; about $30 per item in direct costs, rising to $34; about 500 items in Year 1, growing to 1,450.
- Pay: Owner / General Manager $45,000 (1/1/1/1/1); Licensed Clinician (nurse practitioner or registered nurse) $85,000 (1/1/2/2/3); Esthetician (full-time) $40,000 (0/1/1/2/2); Front Desk Coordinator $32,000 (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: suite rent & utilities $36,000, medical director and malpractice coverage $27,600, booking software & card fees $8,400, marketing $12,000, business insurance $4,800, and accounting, licenses & legal $4,800. These grow between 5% and 12% a year as the business grows.
- Clients pay by card at the visit. At the end of Year 1 about $6,680 (2% of Year 1 sales) is card payments or package sales still to come.
- Tax rate: 21%.
- Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs