Certify Mobile Notary Services

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

Executive Summary

Certify Mobile Notary Services is a mobile notary and loan signing business in Florida. We drive to the customer, whether that is a kitchen table, a hospital room, a nursing home, an office or a coffee shop, check ID, witness signatures and notarize documents. We also work as notary signing agents, who guide borrowers through the signing of mortgage and refinance documents for title companies and lenders.

Why this fits. Many people need a document notarized at a time or place that a bank or a shipping store cannot serve: a hospital bed, a late evening, a weekend or a home where someone cannot travel. Title companies and lenders need signers they can trust, because a signing that goes wrong can delay a closing. A reliable, careful agent who shows up on time, keeps accurate records and never gives legal advice earns repeat work.

Here is what our numbers show. In Year 1 we plan about 240 loan signing appointments and about 255 general and hospital notary signings. That brings in sales of $51,300, growing to $152,320 by Year 5. We expect a loss of about $2,300 in Year 1, a profit of about $2,200 in Year 2, a profit of about $5,800 in Year 3 and a profit of about $17,600 by Year 5. The owner's own time, fuel and mileage, insurance and a long wait to be paid by title companies are our largest costs, and the plan counts all of them.

We need $24,000 in total. Of that, $7,950 is startup costs (a laptop, a portable printer and scanner, the notary supplies, training and certification, the website, insurance and a small cushion), and the rest is cash for the first months. I am putting in $6,000 of my own savings, $3,000 from family and asking for a $15,000 SBA 7(a) loan.

I am Elena Cruz, the owner and notary signing agent. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Certify Mobile Notary Services will be a limited liability company (LLC) in Florida, owned by Elena Cruz. We work from a home office and the owner's car, with no storefront. We serve customers in our home county and neighboring counties and set a travel fee for longer trips.

What we believe. A notarized document protects people, so every signing should be careful, private and on time.

What we offer:
- Mobile notary service at homes, offices, hospitals, nursing homes and public places.
- Loan signing service for title companies and lenders: delivering, printing, guiding signers through and returning mortgage, refinance and home equity documents.
- General notarizations such as powers of attorney, affidavits, vehicle titles, school forms and travel consent letters.
- After-hours and weekend appointments.
- Clear, posted pricing and a travel fee that is quoted before the appointment.

What we do not do. We are not attorneys and we do not give legal advice. We do not explain what a document means or decide which one a person needs, we do not prepare legal documents, and we do not notarize if the signer is not present, cannot be identified or does not seem to understand and willingly sign. We follow the state's notary rules, keep a journal of every act and confirm every rule, fee limit and requirement with the state before we start.

Where things stand today. The plan, the price list and the checklist are written. The next steps are the commission, the training and the first agreements with title companies.

Problem & Opportunity

Notarizations are needed at awkward times and places. A person in a hospital bed, a parent at home with a newborn, an older adult who cannot drive and a worker who cannot leave a shift all need a notary to come to them. Banks and shipping stores keep set hours and do not travel.

Title companies and lenders have their own problem. A signing that is late, incomplete or mishandled can delay a closing and cost real money. They need agents who arrive prepared, follow the instructions exactly, do not coach the borrower on the terms and return the package on time.

A careful mobile notary and signing agent solves both problems.

Products & Services

Certify Mobile Notary Services will be the careful, reliable notary that comes to you.

What makes us different:
1. We come to the customer. Homes, hospitals, nursing homes, offices and public places, including evenings and weekends.
2. Clear pricing. A posted price for each service and a travel fee quoted before the appointment.
3. Careful handling. We verify ID every time, keep a journal for every act, protect private papers and never leave a document unattended.
4. Reliable for title companies. We confirm each appointment, arrive early, follow the closing instructions exactly and return the package on time.
5. Honest limits. We tell customers plainly what a notary can and cannot do and we never give legal advice.
6. Care for vulnerable signers. Training in how to handle hospital and nursing home signings with patience and with respect for staff, family and the signer.

Why customers come back. A smooth, calm signing with no errors makes title companies send the next job and families call us again.

Market Analysis

Who we serve:
- Title companies, escrow offices and signing services that need reliable agents.
- Home buyers and homeowners with refinances and home equity loans.
- Families and caregivers who need healthcare, financial and legal forms signed at home or in a care facility.
- Small businesses, landlords and property managers.
- Older adults and people with limited mobility.

How we sized the market. Our service area is our home county and the nearby counties. We are not counting on a share of every real estate closing. Year 1 plans about 240 loan signings, which is under five a week, and about 255 general and hospital signings, also under five a week. Replace these estimates with your own count of title companies, care facilities and lawyers' offices within your service area.

Competitive Landscape

What customers can do today:

1. Banks and credit unions. Free for members, but fixed hours, no travel and sometimes no notary on duty.
2. Shipping and office supply stores. Open for walk-ins, but they charge fees, keep limited hours and cannot travel.
3. Other mobile notaries and signing agents. Some are very good, but many do not answer late or on weekends or do not check signing instructions carefully.
4. Online notarization. Convenient for some documents, but not every document or every lender accepts it, and some customers lack the technology.

Where we fit. We win on reliability, care and clear communication, not on being the cheapest. We are not trying to replace banks or online notarization. We serve the people and companies those options leave behind.

Marketing & Sales Strategy

How customers and title companies will find us.

Before opening:
- Complete the notary education, commission, bond and signing agent training.
- Build a simple website with prices, services, service area and an easy way to book.
- Sign up with at least five title companies and signing services in our area.
- Introduce ourselves to hospital social workers, nursing home administrators and elder law attorneys. We do not pay for referrals.

After opening:
- A Google Business Profile with honest reviews from real customers.
- A short list of title companies that get same-day confirmations, early arrivals and clean packages.
- Business cards and a magnetic sign on the car.
- Partnerships with local law offices, real estate agents and care facilities.
- Quick answers on the phone and by text, which matter more than any ad.

What we will measure. Where each customer heard about us, how many title companies send repeat work and how fast we answer.

Operations Plan

How the business will run.

Booking. Customers book by phone, text or the website. Title companies send orders through their usual platform. Every appointment is confirmed with the signer the day before.

A signing, step by step. Review the instructions, print the documents, check the signer's ID, watch each signature, complete the notary certificates, record every act in the journal, scan if asked and return the package on time. We keep every package in a locked bag and delete files after the delivery deadline unless the law requires us to keep them.

Staffing in Year 1. Elena performs nearly all signings and handles the business. A part-time agent joins in Year 2 and a part-time scheduler in Year 4. Pay for each role is listed at the end of this plan.

Rules and safety. We follow the state's notary rules, keep every journal entry complete, carry errors and omissions insurance, and never notarize without the signer present and identified. At hospitals and nursing homes we follow the facility's visitor and health rules, ask staff before entering and respect privacy. We confirm every fee limit, rule and requirement with the state before we start.

Getting paid. Title companies often pay about a month after the signing, so the plan includes the cash to wait. Customers who book general signings pay by card at the appointment.

Management & Organization

The people who will run Certify Mobile Notary Services.

Elena Cruz, owner and notary signing agent. She performs most signings in Year 1, builds the title company and care facility relationships, keeps the journal and the books, and sets the schedule. (Replace this paragraph with your own background.)

Notary signing agent (part time, from Year 2). Performs signings in busy weeks, holds the same commission, training and background screening as the owner and follows the same checklist for every signing.

Scheduler (part time, from Year 4). Takes calls, books appointments and sends invoices so the owner and agents can spend time on signings.

Outside advisors. An attorney who reviews the contract and the privacy policy, an insurance broker, a bookkeeper and a free mentor from SCORE or the Small Business Development Center.

Staff pay in this plan is a full year per person: owner / Notary Signing Agent $30,000; notary Signing Agent (part-time) $20,000; scheduler (part-time) $18,000. Replace them with the pay you can offer where you live.

Milestones Narrative

Our goals and when we plan to reach them.
- Before opening (2 to 3 months ahead): complete the notary education course, get the commission and bond, finish the signing agent training and background screening, buy the equipment, build the website and sign up with at least five title companies and signing services.
- Year 1: about 240 loan signings and 255 general and hospital signings, mostly owner-performed; $51,300 in sales and a loss of about $2,300.
- Year 2: about 375 loan signings and 375 general signings, with a part-time signing agent for busy weeks; $81,375 in sales and a profit of about $2,200.
- Year 3: about 400 loan signings and 380 general signings as repeat title company work grows; $88,320 in sales and a profit of about $5,800.
- Year 4: about 645 loan signings and 590 general signings with two part-time agents and a scheduler; $145,365 in sales and a profit of about $14,100.
- Year 5: about 660 loan signings and 590 general signings and steady relationships with title companies and care facilities; $152,320 in sales and a profit of about $17,600.
Growth depends on winning and keeping customers, so treat the later years as goals, not promises.

What we check every week: appointments booked, appointments completed, miles driven, how long invoices stay unpaid, errors or rescheduled signings, new client leads and cash in the bank.

Funding Request

How much we need and how we will use it. Total we are raising: $24,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $7,950, listed item by item in the Startup Costs section: $1,100 for laptop or tablet for signings, $800 for portable printer and scanner, $350 for notary stamp, seal, journal and supplies, $250 for phone mount, hotspot and car organizer, $500 for backup battery and ID scanner, $200 for notary commission application and bond, $650 for signing agent training, certification and background screening, $600 for LLC filing and operating agreement, $1,500 for website and Google Business Profile setup, $500 for business cards and car magnets, $500 for working capital reserve, $1,000 for contingency.
- The cash the business uses before it breaks even, about $4,800. Title companies often pay about a month after a signing, so the business spends cash on fuel, insurance and supplies before payments arrive.
- A cash cushion of about $11,200: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $16,000, and the three pieces add up to about $23,900, rounded up to the nearest $500: $24,000.
We are raising $24,000 in all, which matches the calculator. With this funding, the lowest year-end cash balance is about $11,600, at the end of Year 2.

Where the money comes from:
- My own money: $6,000.
- Family: $3,000.
- SBA 7(a) loan: $15,000.

Kind of funding we are looking for. A small SBA 7(a) loan or microloan from a lender that finances small service businesses, backed by my own savings.

How we will pay it back. We expect a loss of about $2,300 in Year 1, a profit of about $2,200 in Year 2, a profit of about $5,800 in Year 3, a profit of about $14,100 in Year 4 and a profit of about $17,600 in Year 5. With this funding, the business has money in the bank at the end of every year of the plan. Our loan is the SBA 7(a) loan at 12.75% over 10 years, $222 a month. That payment is already included in our cash flow. We chose these as cautious planning rates; ask the lender for the real rates, which may be lower or higher.

What we are offering the lender: my personal guarantee and my equipment.

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 as a general mobile notary with the supplies I already own, serve nearby customers only and wait on the loan, which lowers startup costs and the loan.
- Phase 2: once signing agent training is complete and title companies are sending work, add loan signings, widen the service area 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 and 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).
- Your notary commission, bond and errors and omissions insurance.
- Proof of notary education and signing agent training and your background screening.
- Letters of interest or a list of title companies and signing services that will send you work.
- Your price list and your sample client agreement and privacy policy.
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):
- Loan Signing Appointments: about $150 in Year 1, rising to $170; about $18 in direct costs, rising to $20; about 240 in Year 1, growing to 660.
- General and Hospital Notary Signings: about $60 in Year 1, rising to $68; about $8 in direct costs, rising to $8.8; about 255 in Year 1, growing to 590.
- A loan signing appointment is the guided signing of a set of mortgage or refinance papers. A general or hospital signing is a notarization of one or a few documents, such as a power of attorney, a healthcare form, a vehicle title or an affidavit.
- Prices rise about 3% a year.
- Equipment ($3,000 in Year 1) covers the laptop, portable printer and scanner, notary stamp and journal, phone and hotspot supplies and the ID scanner, and later years ($1,000, $1,000, $1,000 and $1,000) replace and add equipment.
- Pay (a full year, per person): owner / Notary Signing Agent $30,000; notary Signing Agent (part-time) $20,000; scheduler (part-time) $18,000.
- Other yearly costs in Year 1: notary Bond and Errors and Omissions Insurance $1,500, vehicle Fuel and Mileage $4,800, software, Phone and Scanning $2,400, marketing $3,000, training, Certification and Supplies $1,200, accounting & Legal $1,800. These grow between 5% and 12% a year.
- Customers and payers pay about 36 days after service, so at the end of Year 1 about $5,130 is still owed to us. Income tax at 21%.
- Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs