Peak Performance Physical Therapy

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

Executive Summary

Peak Performance Physical Therapy is an outpatient orthopedic physical therapy clinic in Colorado Springs, Colorado, owned by Dr. Elena Vasquez, DPT. The clinic provides one-on-one care for sports injuries, post-surgical rehabilitation and back and neck pain, plus balance programs and performance sessions.

Why this fits. An active, aging population and many surgeries keep demand steady, and patients want more individual attention than busy chains give. A clinic that uses a full hour with a licensed therapist and reports to referring physicians can build strong referrals.

Here is what our numbers show. In Year 1 we plan about 2,400 insured treatment visits and 300 cash-based performance sessions. That brings in sales of $279,000, growing to $1,024,700 by Year 5. We expect a profit of about $19,000 in Year 1, a profit of about $41,400 in Year 2, a profit of about $79,100 in Year 3 and a profit of about $215,800 by Year 5. Clinician pay, the clinic lease and the equipment are our largest costs, and the plan counts all of them. Insurance payments arrive weeks after each visit, which the plan also counts.

We need $170,000 in total. Of that, $119,000 is startup costs (treatment tables and equipment, modalities, front desk and computers, performance gym equipment, licensing and insurance, a lease deposit, credentialing and working capital), and the rest is cash for the first months. I am putting in $30,000 of my own savings and asking for a $140,000 SBA 7(a) loan.

I am Dr. Elena Vasquez, DPT, owner of Peak Performance Physical Therapy. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Peak Performance Physical Therapy will be a limited liability company (LLC) in Colorado Springs, Colorado, owned and run by Dr. Elena Vasquez, DPT. Dr. Vasquez is a doctor of physical therapy who has treated orthopedic and sports injuries in hospital and clinic settings and now wants to run her own outpatient clinic with longer, more personal visits.

What we do:
- Orthopedic and sports injury rehabilitation.
- Post-surgical rehabilitation.
- Back and neck pain treatment.
- Balance and fall prevention for older adults.
- Performance and injury prevention sessions for athletes.

Who we serve: Patients with orthopedic and sports injuries, post-surgical patients and active adults in the Colorado Springs area.

Licensing and insurance. I hold a Colorado physical therapist license and will register the practice, obtain the clinic's National Provider Identifier and enroll with the insurance plans we accept. We carry malpractice and general liability insurance, follow the state practice act and Medicare and payer billing 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.

Our promise. One-on-one care with a doctor of physical therapy, a clear plan and honest progress updates.

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

Problem & Opportunity

Many patients leave physical therapy visits feeling rushed, treated by an assistant or handed a list of exercises with little guidance.

What customers run into:
1. Short visits with several patients at once.
2. Long waits to get an appointment.
3. Unclear plans and goals.
4. Little coaching on returning to sport or work.

Why it matters. Good rehabilitation depends on a skilled clinician, a clear plan and enough time with the patient to get movement right.

Products & Services

Peak Performance will be the clinic in Colorado Springs where patients get real time with their therapist.

What makes us different:
1. Every visit is with a licensed physical therapist.
2. One-on-one sessions of a full hour.
3. Clear goals and progress measures.
4. Prompt appointments and flexible hours.
5. Coordination with physicians and surgeons.

How a patient visit works:
1. The patient calls, and we verify insurance and schedule an evaluation.
2. The therapist evaluates, explains findings and sets goals.
3. The patient attends treatment visits and follows a home program.
4. We reassess regularly, report to the referring physician and discharge with a plan.

Why customers stay. Patients return for new injuries and refer family, coworkers and teammates.

Market Analysis

Who we serve:
- Patients referred by orthopedic and primary care physicians.
- Athletes and active adults.
- Post-surgical patients.
- Older adults who want balance and strength training.

How we sized the market. Our Year 1 plan is about 2,400 insured treatment visits and 300 cash-based performance sessions, a small share of the outpatient therapy visits in a metro area this size. Replace this estimate with your own count of physicians and clinics near you.

Why now. An active population, many surgeries and an aging community keep demand for physical therapy steady, and patients want more individual attention.

Competitive Landscape

What customers can do today:

1. Large therapy chains. Convenient and high volume.
2. Hospital outpatient clinics. Integrated and often busy.
3. Small independent clinics. Personal and varied.
4. Chiropractors. Different approach and often overlapping.
5. Home exercise programs. Cheap and unguided.

Where we fit. Peak Performance will be the independent clinic with longer visits and more time with the therapist.

Marketing & Sales Strategy

How customers will find us.

Before opening:
- Meet orthopedic surgeons, primary care physicians and athletic trainers.
- Credential with insurance plans.
- Set up a website with online scheduling and a Google Business Profile.
- Offer free injury screens at gyms and events.

After opening:
- Send progress reports to every referring physician.
- Ask patients for reviews.
- Host community injury prevention talks.
- Partner with local teams and gyms.
- Share patient stories with permission.

What we will measure. How patients heard about us, how many evaluations become treatment plans and how many patients finish their plan.

Operations Plan

How the business will run.

Season and schedule. Clinic hours run on weekdays and some evenings, with higher demand after sports seasons and in the winter. We schedule evaluations within a few days.

Team. Dr. Vasquez treats patients in Year 1. A physical therapist assistant and a second therapist join as visits grow, and a front desk and billing coordinator supports the clinic from opening.

Quality and safety. Treatment areas are cleaned between patients, equipment is checked regularly and therapists follow infection control and emergency procedures. The clinic has an emergency plan, a defibrillator and staff trained in CPR.

Equipment. We will buy treatment tables, exercise and rehabilitation equipment, modalities, front desk and computer equipment and gym equipment for performance training.

Paperwork and money. Patients pay copays at the visit and insurers pay claims weeks later. We submit claims within two days of each visit, follow up on denials weekly and bill patients 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 Peak Performance Physical Therapy.

Dr. Elena Vasquez, DPT, owner and lead therapist. She treats patients, leads the clinic and builds referral relationships. (Replace this paragraph with your own background.)

Team. A physical therapist assistant and a second therapist from Year 2, growing to five clinicians, each licensed and trained in the clinic's protocols.

Office. A front desk and billing coordinator works from opening, with a second added as visits grow.

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 / Physical Therapist $92,000; physical Therapist $85,000; physical Therapist Assistant $50,000; front Desk 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 referring physicians.
- Year 1: about 2,700 visits and sessions with Dr. Vasquez treating patients; $279,000 in sales and a profit of about $19,000.
- Year 2: about 4,400 and a physical therapist assistant; $466,200 in sales and a profit of about $41,400.
- Year 3: about 6,100 and a second therapist; $662,700 in sales and a profit of about $79,100.
- Year 4: about 7,600 and a larger gym; $853,600 in sales and a profit of about $170,900.
- Year 5: about 8,900 and a fifth clinician; $1,024,700 in sales and a profit of about $215,800.
Growth depends on winning and keeping customers, so treat the later years as goals, not promises.

What we check every week: visits completed, claims submitted and paid, denials, cancellation rate, referrals and cash in the bank.

Funding Request

How much we need and how we will use it. Total we are raising: $170,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $119,000, listed item by item in the Startup Costs section: $35,000 for treatment tables and rehabilitation equipment, $12,000 for modalities and clinical equipment, $8,000 for front desk, computers and furniture, $5,000 for performance gym equipment, $3,000 for entity registration and attorney review of contracts, $5,000 for malpractice and general liability insurance, first payment, $10,000 for security deposit and first month's rent, $5,000 for signs, branding and website, $5,000 for launch marketing, $6,000 for electronic health record setup and payer credentialing, $25,000 for working capital for slow insurance payments.
- The cash the business uses before it breaks even, about $500. Patients build over the first months and insurance pays weeks after each visit, so the clinic pays rent and staff before payments arrive.
- A cash cushion of about $49,300: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $49,700, and the three pieces add up to about $168,700, rounded up to the nearest $500: $169,000.
We are raising $1,000 more than that, $170,000 in all, to cover a slower first season than planned. With this funding, the lowest year-end cash balance is about $91,900, at the end of Year 1.

Where the money comes from:
- My own money: $30,000.
- SBA 7(a) loan: $140,000.

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 $19,000 in Year 1, a profit of about $41,400 in Year 2, a profit of about $79,100 in Year 3, a profit of about $170,900 in Year 4 and a profit of about $215,800 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, $1,889 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 the first treatment area and a small team, which lowers the startup costs and the loan.
- Phase 2: once visits are steady, add treatment space, a second therapist and performance programs 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 physical therapist license, NPI and proof of insurance.
- Payer credentialing applications.
- Your lease or letter of intent.
- Quotes for treatment 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):
- Insured Treatment Visits: about $105 in Year 1, rising to $118; about $12 in direct costs, rising to $14; about 2,400 in Year 1, growing to 7,400.
- Cash-Based Performance Sessions: about $90 in Year 1, rising to $101; about $8 in direct costs, rising to $9; about 300 in Year 1, growing to 1,500.
- An insured visit averages about $105 collected and a cash-based performance session about $90.
- Prices rise about 3% a year.
- Equipment ($60,000 in Year 1) covers treatment tables, rehabilitation and exercise equipment, modalities, front desk and computers and gym equipment, and later years ($6,000, $8,000, $8,000 and $10,000) replace and add equipment.
- Pay (a full year, per person): owner / Physical Therapist $92,000; physical Therapist $85,000; physical Therapist Assistant $50,000; front Desk and Billing Coordinator $34,000.
- Other yearly costs in Year 1: clinic Lease and Utilities $36,000, malpractice and General Liability Insurance $6,000, software and Billing $9,000, marketing $10,000, 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 $41,850 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