ShinePro Mobile Detailing

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

Executive Summary

ShinePro Mobile Detailing is a mobile car detailing business in Georgia. We drive a self-contained van to the customer's home, office or apartment and wash, detail, polish and protect their vehicle, including ceramic coating, without the customer losing an afternoon. Our customers are busy people, families and small fleets who want a clean car and no trip to a shop.

The problem is simple. Taking a car to be detailed means dropping it off, finding a ride and picking it up later, and quality varies. We come to the customer, show the price before we start and finish on time.

Here is what our numbers show. We expect sales of $108,425 in Year 1, growing to $311,225 by Year 5 as we add vans, detailers and maintenance plan customers. We expect a profit of about $2,700 in Year 1 while we build our customer list, then a larger profit of about $10,000 in Year 2, growing to about $36,300 by Year 5.

We need $63,000 in total. That covers $43,400 in startup costs (a used van, a water tank and power setup, polishers and steamers, opening supplies, insurance and branding) and a cash cushion for the first months. I am putting in $18,000 of my own money, and I am asking for a $40,000 SBA loan plus $5,000 from an investor or partner.

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

Company Description

ShinePro Mobile Detailing will be a limited liability company (LLC) in Georgia, owned by Jamal Hicks. 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. Treat every car like our own. We protect paint, never cut corners on prep and never promise what a product cannot do.

What we offer:
- Full detail and ceramic coating jobs. Interior and exterior details, paint correction, and ceramic or sealant protection.
- Monthly maintenance plans. Regular washes and interior cleaning on a schedule, priced per month.
- Basic washes. Waterless or rinseless washes for quick cleaning.
- Later, as we grow: fleet contracts and a second van. The numbers in this plan do not include these.

The space. We work from the van and park it at home or a small lot. We budget $2,400 a year for parking or storage in Year 1.

Licenses and insurance. We will register the LLC with the state, get a business license and an EIN (the business tax number from the IRS, free at irs.gov), and ask the city whether mobile service businesses need a permit and whether there are rules on where wash water may go. We will carry general liability insurance, garage liability insurance that covers customers' vehicles in our care, commercial auto insurance for the van and workers' compensation once we hire.

Where things stand today. This plan is my starting point. Before I sign a lease or buy equipment, I will ask at least 30 car owners what they pay for detailing, visit at least 5 competitors, confirm the permit and wash water rules and line up at least 15 customers who say they would book. If the numbers do not match this plan, I will change the plan before I spend money.

Problem & Opportunity

Keeping a car clean is harder than it looks.

1. No time. Dropping off a car costs half a day.
2. Uneven quality. Some shops rush or leave swirls and missed spots.
3. Unclear prices. Add-ons and size surcharges are often a surprise.
4. Paint protection is confusing. Customers do not know what ceramic coating or sealants can and cannot do.
5. Apartment living. Many people cannot wash a car at home.

How we will find out if people want this before we spend money. I will ask at least 30 car owners what they pay and want and line up at least 15 customers. Our Year 1 plan needs about 290 detail jobs, 255 maintenance client-months and 160 basic washes.

Products & Services

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

1. Full detail and ceramic coating jobs. The plan assumes an average of about $260 per job in Year 1, rising to about $292 by Year 5. Chemicals, pads, towels and supplies cost about $42 per job. We expect about 290 jobs in Year 1 (about 6 a week), growing to about 630 a year by Year 5.
2. Monthly maintenance plans. The plan assumes about $95 per client per month in Year 1, rising to about $107, with about $14 per month in supplies. We expect about 255 client-months in Year 1, growing to about 895.
3. Basic washes. The plan assumes about $55 per wash in Year 1, rising to about $63, with about $7 per wash in supplies. We expect about 160 washes in Year 1, growing to about 500.

Our prices. A posted price by vehicle size and service level, a written quote for paint correction and coatings and a monthly price for plans.

How it works for a customer:
1. The customer books online, shares photos and picks a time.
2. We inspect the car with the customer, note any existing damage and confirm the price.
3. We work at the customer's location using our own water and power.
4. We walk the customer around the finished car, take payment and book the next visit.

Gross margin, explained. "Gross margin" is the share of each sale left after paying for chemicals, pads and towels. Our plan shows about 84% in Year 1. That money pays the detailers, van costs, insurance and other bills. Pay is counted separately, under payroll. We do not promise that a coating will make paint scratch-proof.

Market Analysis

Who will use us:
- Busy professionals and families.
- People in apartments and offices without a place to wash a car.
- Car enthusiasts who want paint correction or coatings.
- Small businesses with a few vehicles.

Where we will work. Within about 20 to 25 miles of home.

How we sized the plan. Our Year 1 plan needs about 6 detail jobs a week, plus plans and washes, which one detailer can do. I will check the real numbers by talking to customers before spending money.

Season. Spring and fall are busy. The numbers show a yearly average.

Competitive Landscape

Other choices customers have:
1. Car wash and detail shops, which are convenient but require a drop-off.
2. Other mobile detailers, some of whom are very good.
3. Dealership detailing.
4. Doing it themselves.

How we will win customers: we come to you, a written price, careful work and a walk-around at the end. 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.
- Instagram and TikTok before-and-after photos and videos, posted with the customer's permission.
- A free Google business listing with reviews and online booking.
- Neighborhood and apartment partnerships and a first-wash discount.
- Local partners such as car dealers, tint shops and real estate offices.
- A referral thank-you for customers who refer a friend.

Marketing budget. About $4,800 a year in Year 1 (about $400 a month), growing about 8% a year. The van lettering, website and photos are paid for from startup costs ($3,300).

Operations Plan

How the business runs day to day.

The van. A used cargo van with racks, a clean water tank, a pump, a power inverter or generator, and storage for chemicals.

A normal day:
1. Check the van and supplies and review the day's jobs.
2. Arrive on time, inspect the vehicle with the customer and set up.
3. Work in a set order: wheels, exterior, interior, finish and protection.
4. Walk the customer through the finished car, take payment and clean up.

Environment and safety. We use water carefully, avoid letting chemicals run into storm drains where local rules forbid it, store and label chemicals, wear gloves and eye protection, and follow product directions. We use soft pads, avoid damaging paint and do not detail a car that is unsafe to work on. We tell customers what ceramic coatings can and cannot do.

Equipment. About $34,000 to start: a used van, a water tank and power setup, and polishers, steamers and vacuums. We set aside about $4,000 a year after that, and the plan adds a second van in Year 3.

Running costs in Year 1: van fuel and maintenance about $6,000, business and garage liability insurance about $4,200, marketing about $4,800, booking software and card fees about $2,400, parking or storage about $2,400, and accounting, licenses and legal about $2,400. That is $22,200 in all.

Payment. Customers pay by card at the end of the job. Monthly plans are billed in advance.

Management & Organization

Who runs the business. Jamal Hicks, owner and lead detailer. As owner I will detail, book customers, buy supplies and handle the money. I plan to pay myself $36,000 a year in salary.

The team. Pay figures include payroll taxes and workers' compensation insurance.
- Detailer (full-time): none in Year 1, one in Years 2 and 3, two in Year 4 and three in Year 5, at about $31,000 a year each.
- Detailer (part-time): one in Years 1 and 2 and two from Year 3, at about $18,000 a year each.

We hire people who are careful and reliable, train everyone on the same process and chemical safety, check driving records and run background checks (with the person's permission and following the law) on anyone who works at customers' homes.

People who will help us: a bookkeeper or tax preparer, an insurance agent who understands mobile service businesses, a business attorney for a one-time review of the customer agreement, 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 (3 to 5 months ahead): ask at least 30 car owners what they pay and line up at least 15 customers, confirm permit and wash water rules, register the LLC and get an EIN, open a business bank account, get insurance quotes, buy the van and equipment, and practice on friends' cars to build a photo portfolio. Buy the van only after the customer list is in hand.
- Year 1: open with the owner and one part-time detailer, with about 6 detail jobs a week, $108,425 in sales and a profit of about $2,700.
- Year 2: add our first full-time detailer, with about 380 detail jobs a year, $158,960 in sales and a profit of about $10,000.
- Year 3: add a second van, with about 440 detail jobs a year, $196,545 in sales and a profit of about $13,900.
- Year 4: add a second full-time detailer, with about 535 detail jobs a year, $252,745 in sales and a profit of about $24,500.
- Year 5: grow to about 630 detail jobs a year with a team of six, $311,225 in sales and a profit of about $36,300.
Growth depends on booking and keeping customers, growing maintenance plans and keeping quality high, so treat the later years as goals, not promises.

What we check every week: jobs completed, average ticket, plan customers, repeat bookings, supplies cost per job, reviews and cash in the bank.

Funding Request

How much we need and how we will use it. Total we are raising: $63,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $43,400, listed item by item in the Startup Costs section: $18,000 for used cargo van with racks, $6,500 for water tank, pump, power inverter and generator, $9,500 for polishers, steamers, vacuums and ceramic tools, $2,500 for opening chemicals, towels and pads, $600 for business license and local permits, $1,500 for legal and accounting setup, $3,300 for van lettering, website and photos, and $1,500 for first insurance payment.
- A cash cushion of about $19,100: about 3 months of running costs. Our cash stays above zero in every year of the plan, but lenders still want a cushion in the bank for slow weeks and surprises. They call this "working capital."
- Together that comes to about $62,500, rounded up to the nearest $500: $62,500.
We are raising $500 more than that, $63,000 in all, to leave extra room for loan payments in the first years and for van repairs.

Where the money comes from:
- My own money: $18,000.
- Amount requested as a loan: $40,000.
- From an investor or partner: $5,000.

Kind of funding we are looking for. An SBA 7(a) small loan through a local bank or community lender, plus investor or partner money. SBA Microloans, which go up to $50,000 through nonprofit lenders, are another place to ask; their repayment times are usually shorter, so the monthly payment would be higher. Investor or partner money is not paid back with interest, but the person gets a share of the business. A family member, a friend, a local investor or a business partner could fill this part. Put any agreement in writing.

How we will pay it back. We expect a profit of about $2,700 in Year 1 while we build our customer list, then a larger profit of about $10,000 in Year 2, growing to about $36,300 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 $33,200, at the end of Year 1. The loan is planned at 12.75% interest over 10 years, so payments of about $591 a month (about $7,096 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 a smaller kit and a vehicle you already own (check your insurance), detailing on weekends while keeping your current job. Startup can be roughly $4,000 to $7,000 for supplies, a polisher, insurance and a booking page. Get your own quotes.
- Phase 2: once you are booked weeks ahead, buy a van and water system 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 price list and customer agreement.
- Before-and-after photos.
- Proof of insurance, or quotes.
- Quotes for the van and 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):
- Full Detail and Ceramic Coating Jobs: about $260 per job in Year 1, rising to $292; about $42 per job in direct costs, rising to $46; about 290 jobs in Year 1, growing to 630.
- Monthly Maintenance Plans: about $95 per client-month in Year 1, rising to $107; about $14 per client-month in direct costs, rising to $16; about 255 client-months in Year 1, growing to 895.
- Basic Washes: about $55 per wash in Year 1, rising to $63; about $7 per wash in direct costs, rising to $7.80; about 160 washes in Year 1, growing to 500.
- Pay: Owner / Lead Detailer $36,000 (1/1/1/1/1); Detailer (full-time) $31,000 (0/1/1/2/3); Detailer (part-time) $18,000 (1/1/2/2/2). 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: van fuel and maintenance $6,000, business and garage liability insurance $4,200, marketing $4,800, booking software and card fees $2,400, parking or storage $2,400, and accounting, licenses & legal $2,400. These grow between 5% and 15% a year as the business grows.
- Customers pay by card at the end of the job. At the end of Year 1 about $3,253 (3% of Year 1 sales) is card payments or plan billing still to come.
- Tax rate: 21%.
- Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs