Clear Voice Pediatric Speech Therapy

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

Executive Summary

Clear Voice Pediatric Speech Therapy is a private pediatric speech-language pathology clinic in Savannah, Georgia, owned by Dr. Lisa Okonkwo, CCC-SLP. The clinic helps children with speech sounds, language, late talking and social communication through play-based therapy and parent coaching.

Why this fits. Awareness of speech and language needs has grown and many areas lack providers, leaving families waiting months. A small practice with short waits and clear coaching can fill quickly and build strong referrals.

Here is what our numbers show. In Year 1 we plan about 2,200 therapy sessions, 100 evaluations and 300 group sessions. That brings in sales of $303,500, growing to $892,300 by Year 5. We expect a profit of about $68,500 in Year 1, a profit of about $128,400 in Year 2, a profit of about $170,700 in Year 3 and a profit of about $214,500 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 $122,000 in total. Of that, $73,500 is startup costs (therapy materials, 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 $22,000 of my own savings and asking for a $100,000 SBA 7(a) loan.

I am Dr. Lisa Okonkwo, CCC-SLP, owner of Clear Voice Pediatric Speech Therapy. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Clear Voice Pediatric Speech Therapy will be a limited liability company (LLC) in Savannah, Georgia, owned and run by Dr. Lisa Okonkwo, CCC-SLP. Dr. Okonkwo is a certified speech-language pathologist who has worked in schools and clinics and wants to run a practice that gives each child time and families clear guidance.

What we do:
- Speech and articulation therapy.
- Language and communication therapy.
- Early intervention for late talkers.
- Social communication groups.
- Parent coaching and school collaboration.

Who we serve: Children from toddlers through age fourteen and their families in the Savannah area, referred by pediatricians, schools and early intervention programs.

Licensing and insurance. I hold a Georgia speech-language pathology license and ASHA certification 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. Friendly, play-based therapy and clear steps families can follow at home.

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

Problem & Opportunity

Many children have trouble speaking clearly or communicating, and families face long waits for evaluations and therapy.

What customers run into:
1. Waitlists of many months.
2. Short sessions with little feedback.
3. Little coaching for parents.
4. Limited help for late talkers and social communication.

Why it matters. Communication supports learning, friendships and confidence, and earlier support often leads to better outcomes.

Products & Services

Clear Voice will be the Savannah practice where children find their voices and families find answers.

What makes us different:
1. Short waits for evaluations.
2. Play-based sessions that children enjoy.
3. Parent coaching in every plan.
4. Group programs for social skills.
5. Regular progress reports and school coordination.

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

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

Market Analysis

Who we serve:
- Children with speech sound difficulties.
- Late talkers and children with language delays.
- Children who need social communication support.
- Schools and early intervention programs.

How we sized the market. Our Year 1 plan is about 2,200 therapy sessions, 100 evaluations and 300 group sessions, a small share of pediatric speech therapy in a metro area this size. Replace this estimate with your own count of pediatricians and schools near you.

Why now. Awareness of speech and language needs has grown and many areas lack providers. A new clinic can fill quickly.

Competitive Landscape

What customers can do today:

1. Hospital outpatient clinics. Strong and often with long waits.
2. Large therapy chains. Convenient and high volume.
3. School speech services. Free and limited to educational needs.
4. Other private practices. Personal and varied.
5. Apps and home programs. Cheap and unguided.

Where we fit. Clear Voice will be a small practice with short waits, warm sessions and clear coaching for parents.

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 free parent workshops on language development.

After opening:
- Send reports to referring doctors and schools.
- Ask families for reviews.
- Host social skills groups.
- Offer school consultations.
- Share language 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. Okonkwo treats children in Year 1. A second speech-language pathologist and an assistant join as sessions grow, and an administrator and billing coordinator supports the clinic from opening.

Quality and safety. The clinic is cleaned between sessions and toys are sanitized. 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 therapy materials and games, assessment kits, computers and tablets and 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 Clear Voice Pediatric Speech Therapy.

Dr. Lisa Okonkwo, CCC-SLP, owner and lead therapist. She evaluates and treats children, trains staff and builds referral relationships. (Replace this paragraph with your own background.)

Team. A second speech-language pathologist from Year 2, growing to five, each licensed and trained.

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 / Speech-Language Pathologist $82,000; speech-Language Pathologist $76,000; 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 materials and meet the first pediatricians and schools.
- Year 1: about 2,600 sessions, evaluations and groups with Dr. Okonkwo treating children; $303,500 in sales and a profit of about $68,500.
- Year 2: about 3,950 and a second speech-language pathologist; $472,150 in sales and a profit of about $128,400.
- Year 3: about 5,100 and a third clinician; $621,200 in sales and a profit of about $170,700.
- Year 4: about 6,140 and a fourth clinician; $766,600 in sales and a profit of about $213,600.
- Year 5: about 6,980 and a larger clinic; $892,300 in sales and a profit of about $214,500.
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: $122,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $73,500, listed item by item in the Startup Costs section: $10,000 for therapy materials and games, $8,000 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, $4,000 for malpractice and general liability insurance, first payment, $6,500 for security deposit and first month's rent, $4,000 for signs, branding and website, $3,500 for launch marketing, $4,500 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 $43,900: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $43,900, and the three pieces add up to about $117,400, rounded up to the nearest $500: $117,500.
We are raising $4,500 more than that, $122,000 in all, to cover a slower first season than planned. With this funding, the lowest year-end cash balance is about $117,500, at the end of Year 1.

Where the money comes from:
- My own money: $22,000.
- SBA 7(a) loan: $100,000.

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 $68,500 in Year 1, a profit of about $128,400 in Year 2, a profit of about $170,700 in Year 3, a profit of about $213,600 in Year 4 and a profit of about $214,500 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, $1,349 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 therapy 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 speech-language pathology license, ASHA certification, NPI and proof of insurance.
- Payer and Medicaid credentialing applications.
- Your lease or letter of intent.
- Quotes for therapy materials 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 $120 in Year 1, rising to $135; about $10 in direct costs, rising to $11; about 2,200 in Year 1, growing to 5,600.
- Evaluations: about $275 in Year 1, rising to $310; about $20 in direct costs, rising to $23; about 100 in Year 1, growing to 280.
- Group Sessions (per participant): about $40 in Year 1, rising to $45; about $4 in direct costs, rising to $5; about 300 in Year 1, growing to 1,100.
- A therapy session averages about $120 collected, an evaluation about $275 and a group participant about $40 per session.
- Prices rise about 3% a year.
- Equipment ($28,000 in Year 1) covers therapy materials and games, assessment kits, computers and tablets and waiting room and therapy room furniture, and later years ($4,000, $6,000, $5,000 and $6,000) replace and add equipment.
- Pay (a full year, per person): owner / Speech-Language Pathologist $82,000; speech-Language Pathologist $76,000; administrator and Billing Coordinator $34,000.
- Other yearly costs in Year 1: clinic Lease and Utilities $30,000, malpractice and General Liability Insurance $4,500, software and Billing $9,000, marketing $7,000, supplies $5,000, 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 $45,525 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