Personal Training Business

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Executive Summary

Steady Strength Training is a personal training business serving adults in our city and the nearby suburbs. We help clients get stronger, move better and build healthy habits, through one-on-one sessions and small-group training. Many people want to get fit but do not know where to start, get hurt or quit after a few weeks. Gyms can be intimidating, and many trainers are expensive or do not follow up. We will win clients by building a safe, simple plan for each person, keeping sessions friendly and tracking progress so clients see results. Here is what our numbers show. We expect sales of about $92,700 in Year 1, growing to about $370,800 by Year 5 as we add certified trainers and small-group clients. We expect a profit of about $14,600 in Year 1, growing to about $132,200 by Year 5. We need $24,000 in total. That covers $8,500 in startup costs (portable training equipment, a certification and CPR course, liability insurance, client waivers and advertising) and a cash cushion of about three months of bills. I am putting in $8,000 of my own money, and I am asking for $16,000. I will use my own car to travel to clients, and equipment fits in my car. I am Priya Rodriguez, the owner. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Steady Strength Training will be a limited liability company (LLC) in Alabama, owned by Priya Rodriguez. We will work from my home, with portable equipment stored in my garage and carried in my car. What we believe. Keep clients safe, keep it simple, show up prepared and celebrate every step forward. What we offer:
- One-on-one personal training. - Small-group training for friends and neighbors. - Fitness assessments and personalized plans. - Training for older adults, beginners and people returning to exercise after a break. - Corporate and community fitness sessions. Licenses and insurance. Personal trainers are usually not licensed by the state, but clients and insurers expect a certification from a nationally recognized program, such as one accredited by the NCCA, plus CPR and AED training. I will complete an NCCA-accredited certification and CPR/AED training and buy professional liability insurance before my first paid client. We will carry professional liability insurance, use a written waiver and health screening for every client, and stay within our scope: we do not diagnose, treat injuries or prescribe diets for medical conditions, and we refer clients to a doctor or dietitian when needed. Where things stand today. I am preparing for my personal trainer certification and CPR certificate, I have trained five friends and family members, and I have priced liability insurance.

Problem & Opportunity

Adults near us want to get healthier, and many do not know how to start. 1. Intimidating gyms. Many people feel lost or judged. 2. No plan. Without guidance, people repeat the same routine or get hurt. 3. Cost. Many trainers charge more than people can pay. 4. No accountability. Without someone expecting them, many people quit. How we know people want this. Five friends paid me to train them last year, and a physical therapist said she would refer clients who finish therapy.

Products & Services

What we sell. 1. One-on-one training sessions. A private session with a trainer, usually 45 to 60 minutes. Our plan assumes an average of about $75 per session in Year 1, rising to about $84 by Year 5. Direct costs run about $8 per session. We expect about 900 sessions in Year 1 (about 18 a week), growing to about 3,200 a year by Year 5. 2. Small-group training packages. Group sessions of three to six people, which cost each person less. Our plan assumes an average of about $42 per person per session in Year 1, rising to about $47. Direct costs run about $5 per person. We expect about 600 person-sessions in Year 1, growing to about 2,171. Our prices. One-on-one session $75. Group session $40 per person. Monthly package of eight sessions $560. How it works for the customer:
1. A free intro call and a short health screening. 2. A fitness assessment and a simple written plan with clear goals. 3. Regular sessions, with notes after each one. 4. A progress check every month and a plan for the next step. Gross margin, explained. "Gross margin" is the share of each sale left after paying for materials and direct job costs. Our plan shows about 89% in Year 1. That money pays the owner and crew, vehicle costs, insurance and other bills.

Market Analysis

Who will hire us:
- Busy adults who want a plan and accountability. - Beginners and people returning to exercise after a long break. - Older adults who want to stay strong and independent. - Friends, neighbors and coworkers who want to train together. Where we will work. Training at a partner gym, in clients' homes and at local parks, starting with my neighborhood gym partner and clients' homes within 15 minutes of my home. Season. Demand is highest in January and spring, and before summer. We plan group programs and challenges to keep clients engaged all year. Our plan is careful on purpose. About 18 one-on-one sessions a week in Year 1 is a pace one owner can handle well, alongside group classes.

Competitive Landscape

Other choices customers have:
1. Gyms and fitness studios with trainers. Peak Fitness (a made-up name) charges about $70 a session; known for experienced trainers, but sessions are at a busy gym. 2. Online fitness programs and apps. Cheap, but they lack personal attention. 3. Doing it yourself. Free, but many people struggle without a plan or someone to answer to. How we will win customers: personal attention, simple plans, flexible places and times, honest pricing and a safe approach.

Marketing & Sales Strategy

How people will find us. - A free Google business listing with reviews, and a simple website with online booking. - Asking every happy client for a review and a referral. - Free community workouts in a local park, which introduce people to us. - Relationships with physical therapists, doctors, employers and apartment communities. - Social media with short tips and client wins, with permission. Marketing budget. About $5,000 a year. Business cards, photos and the website are paid for from startup costs.

Operations Plan

How the business runs day to day. Clients and sessions. The owner books sessions by day and place, and keeps a short note on each client. In Year 1 the owner trains alone. We add one certified trainer in Year 2 and grow to three by Year 5. Each session has a warm-up, a plan, a cool-down and a note. Equipment. About $5,000 to start: adjustable dumbbell set; kettlebells and medicine balls; resistance bands and suspension trainers; bench, plyo box and exercise mats; heart rate monitors and tablet; portable speaker, timers and equipment bags; body composition scale. We set aside about $1,000 to $1,500 a year for repairs and replacements. Upkeep. Equipment cleaned after every session, waivers and records kept up to date and certifications renewed on schedule. Safety. Health screening and a waiver for every client, careful progression of exercises, attention to form, and a plan for emergencies, including CPR and AED training. We stay within our scope and refer to medical professionals when needed. Running costs in Year 1: certifications and liability insurance about $4,000, gym space and partner fees about $6,000, marketing about $5,000. Scheduling and billing. A simple booking and invoicing app on my phone, with clients paying monthly by card.

Management & Organization

Who runs the business. Priya Rodriguez, owner. As owner I will train clients, assess and plan, book sessions, market the business and handle the money side of the business. I plan to pay myself $46,000 a year in salary in Year 1. Crew. Certified trainers at about $32,000 a year each (or part-time pay): none in Year 1, one in Year 2, one in Year 3, two in Year 4 and three 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). Linda Okafor serves as a key volunteer advisor.

Milestones Narrative

Our goals and when we plan to reach them. - Before starting: complete the certification and CPR courses, register the business, get insurance, buy portable equipment and set up booking. Target start: January 2027. - First year: complete about 900 one-on-one sessions and 600 group person-sessions, for about $92,700 in sales. - Year 2: add our first certified trainer, about $147,400 in sales, and a profit of about $27,500. - Years 3 to 5: grow to three certified trainers and about $370,800 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 done, new clients, cancellations, referrals, and cash in the bank.

Funding Request

How much we need and how we will use it. Total needed: $24,000. This number comes from the Funding Need Calculator in this plan. It adds up: - Startup costs of $8,500, listed item by item in the Startup Costs section (about $5,000 for portable weights, bands, a bench, mats and a tablet, $300 for opening supplies and printed materials, $900 for certification and CPR courses, $700 for the first insurance payment, $600 for business setup, waivers and bookkeeping software, and $1,000 for business cards, photos and a website). - A cash cushion of about $15,500: 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 $24,000 (rounded up to the nearest $500), which is the total we are planning for. Where the money comes from: - My own money: $8,000. - Amount requested: $16,000. Kind of funding we are looking for: an SBA microloan through a local community lender. How we will pay it back. We expect a profit of about $14,600 in Year 1, growing to about $132,200 by Year 5. With this funding, the business has money in the bank every year of the plan. The loan is planned at 13% interest over 6 years, the top of the usual range for SBA microloans, so payments of about $321 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 with a few clients on evenings and weekends using basic equipment, while keeping your current job. Startup can be under $1,000. - Phase 2: once you have more clients than you can handle part-time, add group classes and portable equipment 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. - Quotes for the equipment and vehicle. - Your price list and a sample written estimate. - Photos of past work and references, if you have them. 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):
- 1-on-1 Training Sessions: about $75 per session in Year 1, rising to $84; about $8 per session in direct costs; about 900 sessions in Year 1, growing to 3,200. - Small-Group Training Packages: about $42 per person per session in Year 1, rising to $47; about $5 per person per session in direct costs; about 600 person-sessions in Year 1, growing to 2,171. - Owner salary: $46,000 a year. Crew: $32,000 a year each, from none in Year 1 to three in Year 5. - Other yearly costs in Year 1: certifications and liability insurance about $4,000, gym space and partner fees about $6,000, marketing about $5,000. - Tax rate: 21%. - Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs