Peak Ridge Roofing

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

Executive Summary

Peak Ridge Roofing is a residential and light commercial roofing company in Columbus, Ohio, owned by Kevin and Angela Davis. We install and replace asphalt shingle, metal and flat roofs for homeowners, property managers and light commercial owners and help homeowners through insurance claims after storms.

Why this fits. Columbus has aging roofs and storms every year, and many homeowners have been burned by contractors who disappear. A local, licensed crew with clear estimates and cleanup standards can win steady work.

Here is what our numbers show. In Year 1 we plan about 20 insurance roof replacements, 16 retail replacements, 4 metal and flat roofs and 100 repairs. That brings in sales of $563,400, growing to $2,257,920 by Year 5. We expect a loss of about $17,100 in Year 1, a profit of about $102,400 in Year 2, a profit of about $207,400 in Year 3 and a profit of about $444,300 by Year 5. Crew pay, fuel and insurance, and the truck and equipment paid for before the first job, are our largest costs, and the plan counts all of them.

We need $155,000 in total. Of that, $65,500 is startup costs (a used truck and trailer, ladders and safety gear, air tools, licensing and insurance, signs and marketing and supplier deposits), and the rest is cash for the first months. We are putting in $30,000 of our own savings and asking for a $125,000 SBA 7(a) loan.

We are Kevin and Angela Davis, owners of Peak Ridge Roofing. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Peak Ridge Roofing will be a limited liability company (LLC) in Columbus, Ohio, owned and run by Kevin and Angela Davis. Kevin is a licensed contractor who has roofed homes and light commercial buildings for years. Angela runs the office, insurance paperwork and customer service.

What we do:
- Asphalt shingle roof replacement.
- Insurance restoration after hail and wind damage.
- Metal and flat roofing for light commercial buildings.
- Roof repairs and leak detection.
- Gutters and flashing.

Who we serve: Homeowners, property managers and light commercial building owners in the Columbus area.

Licensing and insurance. We will register the LLC, carry general liability and workers compensation insurance, hold the contractor registrations Ohio and local governments require and become certified installers for the shingle manufacturers we use so we can offer manufacturer warranties.

Our promise. A roof that does not leak, a price that does not change and a crew that cleans up.

Where things stand today. The business plan, pricing and equipment list are written. The next steps are the license and insurance, the truck and equipment and the first customers.

Problem & Opportunity

Columbus has aging housing, severe storms and many roofing companies that disappear after the check clears.

What customers run into:
1. Storm chasers who take a deposit and leave.
2. Insurance claims that are confusing and slow.
3. Prices that grow after the tear-off.
4. Roofers who damage landscaping and leave nails in the yard.

Why it matters. A roof protects everything under it. A poor installation can lead to leaks, mold and a claim that is denied.

Products & Services

Peak Ridge Roofing will be the dependable choice in Columbus for this work.

What makes us different:
1. A local licensed contractor who stays after the job.
2. Help with insurance paperwork from start to finish.
3. Written estimates with the work and materials listed.
4. Careful cleanup with magnets and tarps.
5. Manufacturer and workmanship warranties.

How a job works:
1. We inspect the roof, take photos and review the damage with the homeowner.
2. We prepare the estimate and help with the insurance claim when one applies.
3. We schedule the work, protect landscaping, tear off and install the new roof.
4. We clean the site, inspect with the homeowner and send the invoice.

Why customers stay. Homeowners refer neighbors, and property managers call us first for repairs.

Market Analysis

Who we serve:
- Homeowners with aging or storm-damaged roofs.
- Property managers with multiple buildings.
- Light commercial owners with flat or metal roofs.
- Insurance adjusters and agents who need a trusted contractor.

How we sized the market. Our Year 1 plan is about 20 insurance roof replacements, 16 retail replacements, 4 metal and flat roofs and 100 repairs, a small share of the roofing done in a metro area this size. Replace this estimate with your own count of storms and permits near you.

Why now. Storms and aging roofs keep demand steady, and trust in storm chasers is low. A local crew with a good reputation can win steady work.

Competitive Landscape

What customers can do today:

1. Storm-chasing contractors. Fast and gone.
2. Large roofing companies. Skilled and booked.
3. Small local crews. Cheap and variable in quality.
4. General contractors who subcontract roofing. Convenient and costly.
5. Home service chains. Convenient and less personal.

Where we fit. Peak Ridge will be local, licensed and clear about the work, with the paperwork help homeowners need.

Marketing & Sales Strategy

How customers will find us.

Before opening:
- Introduce ourselves to insurance agents and adjusters.
- Meet property managers and HOAs.
- Set up a website, Google Business Profile and a gallery of finished roofs.
- Offer free inspections with honest reports.

After opening:
- Ask every customer for a review.
- Place yard signs with the owner's permission.
- Send a thank-you and referral offer after each job.
- Follow up after storms with neighborhood outreach.
- Share before-and-after photos.

What we will measure. How customers heard about us, how many estimates become jobs and how many customers call us back.

Operations Plan

How the business will run.

Season and schedule. Roofing runs most of the year, with the busiest months in spring through fall and a surge after storms. We schedule around dry weather and keep tarps and repair kits on hand.

Crew. Kevin leads the installation crew. Three crew members handle tear-off, installation and cleanup in Year 1. We add crews as bookings grow.

Quality and safety. Every crew member wears fall protection, follows ladder and harness rules and attends safety meetings. We inspect equipment before each job.

Equipment. We will buy a used work truck, a trailer, ladders and safety gear, a nail gun and air compressor set and a tear-off kit. Shingles and materials are bought on account.

Paperwork and money. Every job starts with a written estimate, and we collect a deposit when the work needs materials. We invoice the day the work is finished and follow up on anything unpaid after two weeks. 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 Ridge Roofing.

Kevin Davis, licensed contractor and owner. He inspects roofs, prepares estimates and supervises installations. Angela Davis, owner and office manager. She handles insurance paperwork, scheduling and the books. (Replace this paragraph with your own background.)

Crew. Three crew members in Year 1, growing to ten, each trained on fall protection and installation.

Office. An office manager joins in Year 1 and a second joins in Year 4.

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 / Lead Roofer $62,000; roofing Crew Member $42,000; office Manager $38,000. Replace them with the pay you can offer where you live.

Milestones Narrative

Our goals and when we plan to reach them.
- Before opening (3 months ahead): register the LLC, buy the truck and equipment, set up insurance and meet the first agents and property managers.
- Year 1: about 140 jobs with one crew of three; $563,400 in sales and a loss of about $17,100.
- Year 2: about 214 jobs and a fourth crew member; $913,432 in sales and a profit of about $102,400.
- Year 3: about 290 jobs and a second crew; $1,319,688 in sales and a profit of about $207,400.
- Year 4: about 368 jobs and a third crew; $1,759,700 in sales and a profit of about $298,600.
- Year 5: about 465 jobs and a plan for a second truck; $2,257,920 in sales and a profit of about $444,300.
Growth depends on winning and keeping customers, so treat the later years as goals, not promises.

What we check every week: jobs booked and finished, estimates sent and won, crew hours, materials cost per job, unpaid invoices and cash in the bank.

Funding Request

How much we need and how we will use it. Total we are raising: $155,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $65,500, listed item by item in the Startup Costs section: $22,000 for used work truck, $7,000 for equipment trailer, $6,000 for ladders, harnesses and safety gear, $6,000 for air compressor, nail guns and hand tools, $4,000 for tear-off kit and magnet sweeper, $3,500 for LLC filing, registrations and attorney review of contracts, $7,000 for general liability and workers compensation insurance, first payment, $4,500 for truck lettering, yard signs and website, $3,000 for supplier account deposits, $2,500 for manufacturer certification and safety training.
- The cash the business uses before it breaks even, about $8,600. Jobs are won over the first months, so the business pays for crew, fuel and insurance before sales catch up.
- A cash cushion of about $77,000: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $85,600, and the three pieces add up to about $151,100, rounded up to the nearest $500: $151,500.
We are raising $3,500 more than that, $155,000 in all, to cover a slower first season than planned. With this funding, the lowest year-end cash balance is about $81,700, at the end of Year 1.

Where the money comes from:
- Our own money: $30,000.
- SBA 7(a) loan: $125,000.

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

How we will pay it back. We expect a loss of about $17,100 in Year 1, a profit of about $102,400 in Year 2, a profit of about $207,400 in Year 3, a profit of about $298,600 in Year 4 and a profit of about $444,300 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, $1,687 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 truck, the core equipment and one crew, which lowers the startup costs and the loan.
- Phase 2: once the first jobs are steady, add the second crew and the next piece of 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 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 contractor registration and proof of insurance.
- Sample estimates and references.
- Quotes for the truck and equipment.
- Photos of past roofs with the owners' permission.
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):
- Insurance Restoration Roof Replacements: about $12,500 in Year 1, rising to $14,069; about $6,200 in direct costs, rising to $6,978; about 20 in Year 1, growing to 72.
- Retail Roof Replacements: about $8,400 in Year 1, rising to $9,454; about $3,900 in direct costs, rising to $4,389; about 16 in Year 1, growing to 58.
- Metal and Flat Roofing: about $21,000 in Year 1, rising to $23,636; about $11,000 in direct costs, rising to $12,381; about 4 in Year 1, growing to 15.
- Roof Repairs: about $950 in Year 1, rising to $1,069; about $200 in direct costs, rising to $225; about 100 in Year 1, growing to 320.
- Insurance replacements average about $12,500, retail replacements about $8,400 and metal and flat roofs about $21,000. Repairs average about $950.
- Prices rise about 3% a year.
- Equipment ($45,000 in Year 1) covers a used work truck, a trailer, ladders and safety gear, air tools and a tear-off kit, and later years ($5,000, $8,000, $8,000 and $10,000) replace and add equipment.
- Pay (a full year, per person): owner / Lead Roofer $62,000; roofing Crew Member $42,000; office Manager $38,000.
- Other yearly costs in Year 1: insurance and Bonding $30,000, vehicles and Fuel $20,000, marketing and Lead Costs $22,000, permits, Software and Admin $10,000. These grow between 4% and 5% a year.
- Customers and payers pay about 15 days after service, so at the end of Year 1 about $22,536 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