Clearwater Sober Living

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

Executive Summary

Clearwater Sober Living is a structured sober living residence in Kansas City, Missouri, owned by David and Kenya Thomas. Sober living homes are substance-free transitional housing for people in recovery. We offer safe, supervised homes with clear rules, peer support and connections to treatment and employment.

Why this fits. Demand for recovery housing is high, and residents benefit from operators who follow the rules, keep homes safe and never take referral payments. Leaders with lived recovery experience can build trust with residents and treatment providers.

Here is what our numbers show. In Year 1 we plan about 240 bed-months of housing and 60 months of recovery coaching. That brings in sales of $223,200, growing to $526,740 by Year 5. We expect a loss of about $48,700 in Year 1, a loss of about $41,000 in Year 2, a profit of about $24,400 in Year 3 and a profit of about $20,300 by Year 5. House leases, house manager pay and insurance are our largest costs, and the plan counts all of them.

We need $170,000 in total. Of that, $57,000 is startup costs (beds and furniture, fire and safety equipment, kitchen and laundry equipment, licensing and insurance, house deposits and launch marketing), and the rest is cash for the first months. We are putting in $30,000 of our own savings and asking for a $140,000 SBA 7(a) loan.

We are David and Kenya Thomas, owners of Clearwater Sober Living. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Clearwater Sober Living will be a limited liability company (LLC) in Kansas City, Missouri, owned and run by David and Kenya Thomas. David is in long-term recovery and has worked as a peer support specialist, and Kenya has managed housing and operations. They want to offer a safe, structured home for people in early recovery.

What we do:
- Substance-free, structured housing in shared homes.
- House rules, accountability and drug and alcohol testing.
- Peer support and recovery coaching.
- Connections to treatment, employment and community supports.
- Alumni programs and family support.

Who we serve: Adults in early recovery in the Kansas City area who want a stable, substance-free home while they rebuild their lives.

Licensing and insurance. We will register the LLC, follow Missouri law and local zoning and housing rules for group homes, meet fire, health and occupancy codes, follow fair housing rules and carry property, general liability and workers compensation insurance. We do not provide medical treatment or claim to treat addiction, and we do not pay or accept any fee for referring residents or accepting referrals, as the law prohibits. We refer residents to licensed treatment providers of their choice, keep naloxone on hand, explain house rules in writing and keep resident information confidential. We call 911 in an emergency and share the 988 Suicide and Crisis Lifeline.

Our promise. A safe, structured, substance-free home where people can rebuild their lives with dignity.

Where things stand today. The business plan, house rules and ethics policy are written. The next steps are the leases, the inspections and the first residents.

Problem & Opportunity

After treatment, many people return to the same environment that made recovery hard, and few safe housing options exist.

What customers run into:
1. Unstable housing that leads to relapse.
2. Homes with no structure or accountability.
3. Unsafe or exploitative operators.
4. No bridge between treatment and independent living.

Why it matters. A stable home and a peer community greatly support recovery, and operators who follow the rules protect residents.

Products & Services

Clearwater will be the Kansas City home where people in recovery are safe and supported.

What makes us different:
1. Clean, safe homes with clear written rules.
2. Experienced house managers in recovery.
3. Peer support and recovery coaching.
4. Ethical practices with no referral payments.
5. Help with jobs, benefits and next-step housing.

How a move-in works:
1. The applicant visits, learns the rules and signs a residency agreement.
2. The resident moves in and meets the house manager and peers.
3. The resident follows the house program, works or seeks work and attends recovery meetings.
4. The resident plans their next step and may join our alumni group.

Why customers stay. Residents stay for several months and become part of the alumni community.

Market Analysis

Who we serve:
- Adults leaving treatment programs.
- Adults in outpatient recovery who need a stable home.
- Adults leaving jail or prison who are in recovery.
- Families seeking safe housing for a loved one.

How we sized the market. Our Year 1 plan is about 240 bed-months across two homes, an average of 20 residents, plus 60 recovery coaching months, a small share of the recovery housing in a large metro area. Replace this estimate with your own count of treatment providers and recovery homes near you.

Why now. Demand for recovery housing is high, and residents benefit from operators who follow the rules and keep homes safe.

Competitive Landscape

What customers can do today:

1. Other sober living homes. Varied in quality and ethics.
2. Treatment programs with housing. Clinical and costly.
3. Transitional housing programs. Limited in beds.
4. Shelters. Short-term and not recovery-focused.
5. Family homes. Supportive and not always substance-free.

Where we fit. Clearwater will be a well-run, ethical, structured home that residents and families can trust.

Marketing & Sales Strategy

How customers will find us.

Before opening:
- Meet treatment providers, courts and recovery groups, without paying or taking referral fees.
- Prepare house rules, a resident handbook and an admission process.
- Set up a website and a Google Business Profile.
- Pass fire and zoning inspections.

After opening:
- Ask residents and alumni for feedback.
- Host alumni gatherings.
- Meet treatment providers and recovery community regularly.
- Share recovery community events.
- Keep houses clean and safe.

What we will measure. How residents heard about us, how many applicants move in and how long residents stay.

Operations Plan

How the business will run.

Season and schedule. The homes operate every day of the year. House managers live or work on site, and we keep a waitlist for open beds.

Team. David directs the program and Kenya manages the homes. House managers live in the homes, and a peer support specialist joins in Year 2.

Quality and safety. Houses meet fire and occupancy codes and have smoke and carbon monoxide detectors, locked storage for medications and naloxone on hand. Residents sign written rules, take part in drug and alcohol testing and know how to call for help. Staff call 911 in an emergency and refer residents in crisis to the 988 Suicide and Crisis Lifeline.

Equipment. We will buy beds and furniture for two homes, fire and safety equipment and cameras for common areas and basic kitchen and laundry equipment.

Paperwork and money. Residents pay weekly or monthly in advance and sign a written agreement that explains fees, rules and what happens if they leave. We follow up on unpaid fees after one week and offer payment plans when it helps. 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 Clearwater Sober Living.

David Thomas, owner and program director. He leads the recovery program. Kenya Thomas, owner and operations lead. She manages the homes, finances and the books. (Replace this paragraph with your own background.)

Team. Two house managers in Year 1, growing to four, each in recovery for at least two years and trained in peer support and crisis response.

Office. Kenya handles the office with part-time help.

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 / Program Director $48,000; house Manager $34,000; peer Support Specialist $36,000. 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): sign the leases, pass the inspections, furnish the homes, hire and train house managers and open admissions.
- Year 1: about 300 bed-months and coaching months with two homes; $223,200 in sales and a loss of about $48,700.
- Year 2: about 456 and a peer support specialist; $326,352 in sales and a loss of about $41,000.
- Year 3: about 600 and a third house; $423,960 in sales and a profit of about $24,400.
- Year 4: about 696 and a fourth house manager; $479,688 in sales and a profit of about $26,300.
- Year 5: about 780 and a fourth home; $526,740 in sales and a profit of about $20,300.
Growth depends on winning and keeping customers, so treat the later years as goals, not promises.

What we check every week: beds filled, new move-ins and move-outs, incidents, house inspections, unpaid fees 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 $57,000, listed item by item in the Startup Costs section: $14,000 for beds and furniture for two homes, $8,000 for fire and safety equipment and cameras, $5,000 for kitchen and laundry equipment, $3,000 for LLC filing and attorney review of agreements, $5,000 for property, general and workers compensation insurance, first payment, $12,000 for security deposits and first month's rent for two homes, $3,000 for signs, branding and website, $2,000 for launch marketing, $3,000 for staff training in peer support and crisis response, $2,000 for opening supplies.
- The cash the business uses before it breaks even, about $57,400. Beds fill over the first months, so the homes pay rent and managers before they are full.
- A cash cushion of about $53,500: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $110,900, and the three pieces add up to about $167,900, rounded up to the nearest $500: $168,000.
We are raising $2,000 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 $36,100, at the end of Year 2.

Where the money comes from:
- Our 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 small businesses and healthcare providers, backed by our savings and the equipment as collateral.

How we will pay it back. We expect a loss of about $48,700 in Year 1, a loss of about $41,000 in Year 2, a profit of about $24,400 in Year 3, a profit of about $26,300 in Year 4 and a profit of about $20,300 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, $1,889 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 one home first and add the second when beds fill, which lowers the startup costs and the loan.
- Phase 2: once the first home is steady, open more beds 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 business license and proof of insurance.
- Your residency agreement, house rules and handbook.
- Your leases and zoning and fire inspection records.
- Your ethics policy on referrals.
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):
- Resident Bed Fees (per bed month): about $900 in Year 1, rising to $1,013; about $150 in direct costs, rising to $169; about 240 in Year 1, growing to 480.
- Recovery Coaching (per month): about $120 in Year 1, rising to $135; about $30 in direct costs, rising to $34; about 60 in Year 1, growing to 300.
- A bed-month averages about $900 including utilities and house supplies, and a recovery coaching month about $120.
- Prices rise about 3% a year.
- Equipment ($27,000 in Year 1) covers beds and furniture for two homes, fire and safety equipment and cameras and kitchen and laundry equipment, and later years ($3,000, $4,000, $3,000 and $4,000) replace and add equipment.
- Pay (a full year, per person): owner / Program Director $48,000; house Manager $34,000; peer Support Specialist $36,000.
- Other yearly costs in Year 1: house Leases and Utilities $66,000, insurance $10,000, food and House Supplies $8,000, testing Supplies $4,000, marketing and Outreach $6,000, admin $4,000. These grow between 4% and 10% a year.
- Customers and payers pay about 11 days after service, so at the end of Year 1 about $6,696 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