Engage OT Pediatric Occupational Therapy

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

Executive Summary

Engage OT Pediatric Occupational Therapy is a private pediatric occupational therapy clinic in Columbus, Ohio, owned by Dr. Rachel Kim, OTD, OTR/L. The clinic helps children with handwriting, sensory processing, feeding and daily living skills through play-based therapy and parent coaching.

Why this fits. Awareness of sensory and developmental needs has grown, and families wait months for appointments. A small, sensory-friendly practice with short waits and clear goals can fill quickly and build strong referrals.

Here is what our numbers show. In Year 1 we plan about 2,000 therapy sessions, 100 evaluations and 60 school and group sessions. That brings in sales of $288,800, growing to $1,032,750 by Year 5. We expect a profit of about $50,400 in Year 1, a profit of about $85,100 in Year 2, a profit of about $166,100 in Year 3 and a profit of about $222,500 by Year 5. Clinician and staff pay, the clinic lease and the equipment are our largest costs, and the plan counts all of them. Insurance payments arrive weeks after each session, which the plan also counts.

We need $140,000 in total. Of that, $94,000 is startup costs (sensory gym equipment, assessment kits, computers and furniture, licensing and insurance, a lease deposit, credentialing and working capital), and the rest is cash for the first months. I am putting in $25,000 of my own savings and asking for a $115,000 SBA 7(a) loan.

I am Dr. Rachel Kim, OTD, OTR/L, owner of Engage OT Pediatric Occupational Therapy. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Engage OT Pediatric Occupational Therapy will be a limited liability company (LLC) in Columbus, Ohio, owned and run by Dr. Rachel Kim, OTD, OTR/L. Dr. Kim is a licensed occupational therapist who has worked with children in hospitals, schools and clinics and wants to run a sensory-friendly clinic where families feel heard.

What we do:
- Pediatric occupational therapy evaluations and treatment.
- Fine motor and handwriting support.
- Sensory processing and self-regulation therapy.
- Feeding and daily living skills.
- Parent coaching and school consultation.

Who we serve: Children from birth to age fourteen and their families in the Columbus area, referred by pediatricians, schools and early intervention programs.

Licensing and insurance. I hold an Ohio occupational therapy license and will register the practice, obtain the clinic's National Provider Identifier and enroll with the insurance plans and Medicaid programs we accept. We carry malpractice and general liability insurance, follow the state practice act and payer rules and bill only for services provided and documented. We follow HIPAA privacy and security rules, keep records in a secure electronic health record, use business associate agreements with vendors and tell every patient how their information is used. Staff pass background checks.

Our promise. Play-based therapy, family coaching and clear goals for every child.

Where things stand today. The business plan, treatment approach and referral plan are written. The next steps are the lease, the payer credentialing, the equipment and the first families.

Problem & Opportunity

Many children struggle with handwriting, sensory sensitivity or daily skills, and families wait months for appointments with therapists.

What customers run into:
1. Long waitlists for evaluations.
2. Clinics that feel loud or clinical to sensitive children.
3. Little coaching for parents.
4. Limited coordination with schools.

Why it matters. Early support helps children participate at school, at home and with friends, and families need practical strategies they can use every day.

Products & Services

Engage will be the Columbus clinic where children play, grow and gain skills with a team that coaches the whole family.

What makes us different:
1. A sensory-friendly space with play-based therapy.
2. Short waits for evaluations.
3. Parent coaching in every plan.
4. Coordination with teachers and doctors.
5. Clear goals and progress reports.

How a child's therapy works:
1. The family contacts us and we verify insurance and schedule an evaluation.
2. The therapist evaluates the child and shares findings and goals.
3. The child attends regular sessions while parents learn home strategies.
4. We reassess, update goals and coordinate with the school and doctor.

Why customers stay. Families stay until goals are met and refer other parents.

Market Analysis

Who we serve:
- Children with fine motor and handwriting needs.
- Children with sensory processing differences.
- Children with feeding or daily living challenges.
- Schools and early intervention programs.

How we sized the market. Our Year 1 plan is about 2,000 therapy sessions, 100 evaluations and 60 school and group sessions, a small share of pediatric therapy demand in a metro area this size. Replace this estimate with your own count of pediatricians and schools near you.

Why now. Awareness of sensory and developmental needs has grown, and families wait for care. A new clinic with short waits can fill quickly.

Competitive Landscape

What customers can do today:

1. Hospital outpatient clinics. Strong and often with long waits.
2. Large pediatric therapy chains. Convenient and high volume.
3. School-based therapy. Free and limited to educational needs.
4. Other private clinics. Personal and varied.
5. Home programs. Free and unguided.

Where we fit. Engage will be a small, sensory-friendly practice with short waits and strong family coaching.

Marketing & Sales Strategy

How customers will find us.

Before opening:
- Meet pediatricians, schools and early intervention programs.
- Credential with insurers and Medicaid plans.
- Set up a website with online inquiry and a Google Business Profile.
- Host parent workshops on sensory strategies.

After opening:
- Send reports to referring doctors and schools.
- Ask families for reviews.
- Host parent groups.
- Offer school consultations.
- Share therapy tips on social media.

What we will measure. How families heard about us, how many evaluations become treatment plans and how many children reach their goals.

Operations Plan

How the business will run.

Season and schedule. Clinic hours run after school and on some mornings and Saturdays, with higher demand in the fall and spring. Evaluations are scheduled within two weeks.

Team. Dr. Kim treats children in Year 1. An OT assistant and a second therapist join as sessions grow, and an administrator and billing coordinator supports the clinic from opening.

Quality and safety. The clinic is cleaned between sessions, equipment is checked daily and therapists follow infection control and child safety procedures. Visitors sign in, and every adult working with children passes a background check.

Equipment. We will buy sensory gym equipment, assessment kits, computers and a waiting room and therapy room furniture.

Paperwork and money. Families pay copays at the session and insurers and Medicaid pay claims weeks later. We submit claims within two days of each session, follow up on denials weekly and bill families clearly for any balance. We keep the books in simple accounting software and set aside money for taxes and insurance every month.

Management & Organization

The people who will run Engage OT Pediatric Occupational Therapy.

Dr. Rachel Kim, OTD, OTR/L, owner and lead therapist. She evaluates and treats children, trains staff and builds referral relationships. (Replace this paragraph with your own background.)

Team. An OT assistant and a second therapist from Year 2, growing to six clinicians, each licensed and trained in the clinic's protocols.

Office. An administrator and billing coordinator works from opening.

Outside advisors. An accountant, an insurance broker, an attorney who reviews contracts and a free mentor from SCORE or the Small Business Development Center.

Staff pay in this plan is a full year per person: owner / Occupational Therapist $85,000; occupational Therapist $78,000; occupational Therapy Assistant $52,000; administrator and Billing Coordinator $34,000. Replace them with the pay you can offer where you live.

Milestones Narrative

Our goals and when we plan to reach them.
- Before opening (4 months ahead): register the practice, sign the lease, credential with insurers, buy the equipment and meet the first pediatricians and schools.
- Year 1: about 2,160 sessions and evaluations with Dr. Kim treating children; $288,800 in sales and a profit of about $50,400.
- Year 2: about 3,480 and an OT assistant; $481,080 in sales and a profit of about $85,100.
- Year 3: about 4,800 and a second therapist; $684,920 in sales and a profit of about $166,100.
- Year 4: about 5,910 and a larger gym; $869,700 in sales and a profit of about $195,200.
- Year 5: about 6,810 and a fifth clinician; $1,032,750 in sales and a profit of about $222,500.
Growth depends on winning and keeping customers, so treat the later years as goals, not promises.

What we check every week: sessions completed, claims submitted and paid, denials, cancellations, referrals and cash in the bank.

Funding Request

How much we need and how we will use it. Total we are raising: $140,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $94,000, listed item by item in the Startup Costs section: $28,000 for sensory gym equipment, $7,000 for assessment kits, $6,000 for computers and tablets, $4,000 for waiting room and therapy room furniture, $3,000 for entity registration and attorney review of contracts, $4,500 for malpractice and general liability insurance, first payment, $8,000 for security deposit and first month's rent, $4,500 for signs, branding and website, $4,000 for launch marketing, $5,000 for electronic health record setup and payer credentialing, $20,000 for working capital for slow insurance payments.
- The cash the business uses before it breaks even, about $0. Sales cover the daily costs once the doors open, so the cash we need up front goes mostly to startup costs.
- A cash cushion of about $45,300: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $45,300, and the three pieces add up to about $139,300, rounded up to the nearest $500: $139,500.
We are raising $500 more than that, $140,000 in all, to cover a slower first season than planned. With this funding, the lowest year-end cash balance is about $105,000, at the end of Year 1.

Where the money comes from:
- My own money: $25,000.
- SBA 7(a) loan: $115,000.

Kind of funding we are looking for. An SBA 7(a) loan from a lender that finances healthcare practices, backed by our savings and the equipment as collateral.

How we will pay it back. We expect a profit of about $50,400 in Year 1, a profit of about $85,100 in Year 2, a profit of about $166,100 in Year 3, a profit of about $195,200 in Year 4 and a profit of about $222,500 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 10.5% over 10 years, $1,552 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: the equipment and a 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: open with one treatment room and a small schedule, which lowers the startup costs and the loan.
- Phase 2: once sessions are steady, add a room and a second therapist 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 occupational therapy license, NPI and proof of insurance.
- Payer and Medicaid credentialing applications.
- Your lease or letter of intent.
- Quotes for sensory equipment and assessments.
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):
- Therapy Sessions: about $125 in Year 1, rising to $141; about $10 in direct costs, rising to $11; about 2,000 in Year 1, growing to 6,200.
- Evaluations and Reports: about $280 in Year 1, rising to $315; about $20 in direct costs, rising to $23; about 100 in Year 1, growing to 310.
- School and Group Sessions: about $180 in Year 1, rising to $203; about $15 in direct costs, rising to $17; about 60 in Year 1, growing to 300.
- A therapy session averages about $125 collected, an evaluation about $280 and a school or group session about $180.
- Prices rise about 3% a year.
- Equipment ($45,000 in Year 1) covers sensory gym equipment, assessment kits, computers and waiting room and therapy room furniture, and later years ($5,000, $7,000, $6,000 and $8,000) replace and add equipment.
- Pay (a full year, per person): owner / Occupational Therapist $85,000; occupational Therapist $78,000; occupational Therapy Assistant $52,000; administrator and Billing Coordinator $34,000.
- Other yearly costs in Year 1: clinic Lease and Utilities $30,000, malpractice and General Liability Insurance $5,000, software and Billing $9,000, marketing $8,000, supplies $6,000, admin $4,000. These grow between 4% and 8% a year.
- Customers and payers pay about 55 days after service, so at the end of Year 1 about $43,320 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