SBA Loan · Publication directory

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30 business packages, planning tools and the supporting publication pages.

General auto repair shop

1. General auto repair shop business guide
2. General auto repair shop startup costs
3. General auto repair shop profitability and payback
4. General auto repair shop unit economics and KPIs
5. General auto repair shop financing options

Bookkeeping service

1. Bookkeeping service
2. What does a remote bookkeeping service cost to open?
3. Can a small bookkeeping team earn a profit?
4. What does each bookkeeping client contribute?
5. How should a bookkeeping startup fund its ramp?

Catering company

1. Catering company: plan the kitchen, calendar and cash
2. What does it cost to start an off-premise catering company?
3. Can a small catering company earn a profit?
4. Catering unit economics: contribution per event and paid capacity
5. How should a small catering company finance its opening?

Child care center

1. Child care center business guide
2. Child care center startup costs
3. Child care center profitability and payback
4. Child care center unit economics and KPIs
5. Child care center financing options

Coffee shop

1. Coffee shop
2. Coffee shop startup costs: a scoped budget and the prices behind it
3. Coffee shop profitability and payback
4. Coffee shop unit economics and KPIs
5. Coffee shop financing options
6. Coffee shop business plan example

Commercial cleaning company

1. What does it take to start a commercial cleaning company?
2. How much does an office-cleaning company cost to start?
3. Can a commercial office-cleaning company be profitable?
4. How do office-cleaning contract hours turn into contribution?
5. What should an office-cleaning company finance?

Commercial print shop

1. Commercial print shop: the jobs behind the numbers
2. What does opening a commercial print shop cost?
3. Can a small commercial print shop earn enough?
4. What does one print job contribute?
5. How should a commercial print shop prepare its funding request?

Counter-service restaurant

1. Counter-service restaurant: the kitchen sets the sales limit
2. What does a counter-service restaurant cost to open?
3. Can a counter-service restaurant earn enough to repay its funding?
4. What does one counter-service order contribute?
5. How should a counter-service restaurant fund its opening?

CPA practice

1. Plan a small CPA practice
2. How much does a CPA practice cost to start?
3. Can a small CPA practice be profitable?
4. What is the right unit for CPA-practice economics?
5. How can an owner finance a CPA practice?

General dental practice

1. General dental practice: chairs, collections and opening decisions
2. What does a three-room dental practice cost to open?
3. Can this dental practice pay its owner and its debt?
4. What is a dental chair hour worth after supplies and lab work?
5. How should an owner-dentist prepare a practice funding request?

Electrical contractor

1. Can a small electrical crew support a viable business?
2. What does it cost to start this electrical crew?
3. When does an electrical crew turn work into profit and cash?
4. How much does one paid electrical crew-hour contribute?
5. What funding structure fits this electrical contractor?

Food truck

1. Can a food truck support a paid owner and a loan?
2. How much funding does this food truck need to open?
3. Is this food truck profitable after paying its owner?
4. What does one food-truck order contribute?
5. What must this food truck prove before seeking financing?

Full-service restaurant

1. Full-service restaurant business guide
2. Full-service restaurant startup costs
3. Full-service restaurant profitability and payback
4. Full-service restaurant unit economics and KPIs
5. Full-service restaurant financing options

Hair salon

1. Hair salon business guide
2. Hair salon startup costs
3. Hair salon profitability and payback
4. Hair salon unit economics and KPIs
5. Hair salon financing options

HVAC service and installation

1. HVAC service and installation business guide
2. HVAC service and installation startup costs
3. HVAC service and installation profitability and payback
4. HVAC service and installation unit economics and KPIs
5. HVAC service and installation financing options

Independent insurance agency

1. Independent insurance agency: commissions, book growth and cash
2. What does opening an independent insurance agency cost?
3. Can an independent insurance agency become profitable?
4. What drives insurance agency unit economics?
5. How can an independent insurance agency finance its launch?

Residential landscaping service

1. Residential landscaping service business guide
2. Residential landscaping service startup costs
3. Residential landscaping service profitability and payback
4. Residential landscaping service unit economics and KPIs
5. Residential landscaping service financing options

Self-service laundromat

1. Plan a self-service laundromat around the site and machine mix
2. What does opening this laundromat cost?
3. Can this laundromat support its costs and financing?
4. What does each paid wash contribute?
5. How should this laundromat’s funding request be prepared?

Local freight trucking company

1. Local freight trucking
2. Local freight trucking startup costs: price the fleet and the cash cycle
3. Local freight trucking profitability: connect paid days to collected cash
4. Local freight trucking unit economics: a paid route-day and its constraints
5. Financing a local freight trucking company: assets, working capital and evidence

Employee-operated nail salon

1. How does a staffed nail salon make money?
2. How much does it cost to open this staffed nail salon?
3. Can this nail salon earn a profit after paying the owner?
4. What does one completed nail appointment contribute?
5. What would a lender need to assess this nail salon?

Neighborhood grocery store

1. Neighborhood grocery store: assortment, inventory and cash
2. Neighborhood grocery store startup costs: stock and installed scope
3. Neighborhood grocery store profitability: margin, stock and cash
4. Neighborhood grocery unit economics: a basket through the paid roster
5. Financing a neighborhood grocery store: assets and stock timing

Neighborhood gym

1. Neighborhood gym business guide
2. Neighborhood gym startup costs
3. Neighborhood gym profitability and payback
4. Neighborhood gym unit economics and KPIs
5. Neighborhood gym financing options

Painting contractor

1. Painting contractor business planning
2. How much does a painting contractor cost to start?
3. Can a residential painting crew be profitable?
4. What drives a repaint job’s contribution?
5. How should a painting contractor prepare for financing?

Pet grooming salon

1. What does a pet grooming salon need to work?
2. How much does opening a pet grooming salon cost?
3. Can this pet grooming salon earn enough to repay its opening cost?
4. What does one grooming appointment contribute?
5. What should a pet grooming salon financing request include?

Physical therapy clinic

1. What does it take to open a physical therapy clinic?
2. What does opening a physical therapy clinic cost?
3. Can a physical therapy clinic earn enough to fund its cash cycle?
4. What drives contribution per physical therapy visit?
5. How should a physical therapy clinic prepare its financing request?

Residential remodeling contractor

1. Residential remodeling contractor business guide
2. Residential remodeling contractor startup costs
3. Residential remodeling contractor profitability and payback
4. Residential remodeling contractor unit economics and KPIs
5. Residential remodeling contractor financing options

Retail bakery

1. Can an on-site retail bakery support its production team?
2. What does opening a retail bakery cost?
3. Can retail bakery sales cover wages, waste and debt?
4. What does a bakery batch contribute before paid shift costs?
5. Which funding structure fits a retail bakery opening?

Roofing contractor

1. A small residential roofing contractor
2. What does opening a roofing contractor cost?
3. What can a small roofing contractor earn?
4. What does one roof contribute—and can the crew deliver it?
5. How should a roofing contractor’s funding be structured?

Self-service car wash

1. Self-service car wash
2. Self-service car wash startup costs
3. Self-service car wash profitability and payback
4. Self-service car wash unit economics and KPIs
5. Self-service car wash financing options
6. Self-service car wash business plan example

General veterinary clinic

1. Can a small outpatient veterinary clinic support its owner and debt?
2. What does it cost to open this outpatient veterinary clinic?
3. When does this outpatient veterinary clinic become profitable?
4. What does one completed veterinary visit contribute?
5. How could this small veterinary clinic be funded?

Counter-service restaurant operating articles

1. Delivery platforms or direct pickup: compare contribution per order
2. How to design a counter-service menu that fits kitchen capacity

Electrical contractor operating articles

1. How to price electrical jobs when travel and materials vary
2. Service calls or installation projects: choosing an electrical work mix

Commercial cleaning company operating articles

1. Building a cleaning route: account density, travel and staffing
2. How to bid an office-cleaning contract from measured labor hours

Pet grooming salon operating articles

1. Appointment scheduling for a pet groomer: coat type, drying and no-shows
2. Mobile grooming or a fixed salon: what changes in the operating model

Self-service laundromat operating articles

1. Choosing a washer-size mix: cycles, customer demand and installed costs
2. How to inspect laundromat utilities before signing a lease

Painting contractor operating articles

1. Estimating repaint jobs: surface preparation, materials and crew time
2. Interior or exterior painting: seasonality and scheduling tradeoffs

Roofing contractor operating articles

1. How supplier deposits and weather affect a roofing project's cash
2. Replacement roofs or repair calls: choosing a roofing work mix

Employee-operated nail salon operating articles

1. Employee pay or booth rental: two different nail-salon economics
2. How nail service duration changes appointment capacity

Food truck operating articles

1. Food-truck menu design: prep capacity, service speed and food waste
2. How to evaluate a food-truck service location before booking

Retail bakery operating articles

1. How to measure bakery waste by product batch
2. A bakery production schedule: oven time, labor and peak demand

Local freight trucking company operating articles

1. Leasing or buying a local delivery truck: comparing cash commitments
2. Pricing local freight when loading time is the bottleneck

Independent insurance agency operating articles

1. Building an insurance renewal book: retention and commission timing
2. Producer compensation and acquisition cost in an insurance agency

General dental practice operating articles

1. Dental collections and billed production: reconciling the cash gap
2. How chair time and treatment mix shape a dental schedule

Neighborhood grocery store operating articles

1. Planning a grocery assortment around inventory turns
2. How shrinkage and refrigeration affect grocery department contribution

Physical therapy clinic operating articles

1. Managing a physical therapy schedule: cancellations and therapist capacity
2. Cash-pay or insured visits: modeling collections without a universal rate

CPA practice operating articles

1. Balancing recurring accounting work and seasonal tax deadlines
2. Fixed fees or hourly billing in a small CPA practice

Bookkeeping service operating articles

1. How to scope a bookkeeping retainer by workload
2. Client onboarding and cleanup work: protecting bookkeeping capacity

General veterinary clinic operating articles

1. Building a veterinary appointment roster around case complexity
2. In-house diagnostics or referral: comparing a small clinic’s equipment scope

Catering company operating articles

1. How event deposits and supplier payments shape catering cash
2. Designing a catering menu for preparation and delivery capacity

Commercial print shop operating articles

1. Short runs or longer batches: allocating print setup costs
2. Outsource finishing or bring it in-house: comparing workload and cash

Coffee shop operating articles

1. How to test a coffee-shop lease before committing
2. Planning a coffee-shop menu around morning service capacity

Self-service car wash operating articles

1. How wash-bay downtime changes the operating schedule
2. Inspecting an existing self-service wash: drainage, utilities and equipment

Full-service restaurant operating articles

1. How to build a restaurant shift roster by meal period
2. Restaurant supplier payments and the opening cash calendar

Residential remodeling contractor operating articles

1. Deposits, progress payments and change orders in remodeling
2. How to estimate a remodeling crew's billable time

Neighborhood gym operating articles

1. Choosing gym space around peak-hour equipment use
2. Membership cohorts: tracking gym sign-ups, retention and cancellations

HVAC service and installation operating articles

1. Dispatch, travel and seasonal workload for a small HVAC team
2. Service agreements or installation work: choosing an HVAC job mix

Residential landscaping service operating articles

1. Recurring maintenance or seasonal projects: organizing a landscaping calendar
2. Route density and travel time in residential lawn maintenance

Child care center operating articles

1. California preschool room capacity: space, staff and enrollment
2. Preschool opening schedule: licensing evidence, hiring and enrollment

General auto repair shop operating articles

1. How to measure billed technician hours and bay occupancy
2. Parts procurement, returns and warranty rework in an auto shop

Hair salon operating articles

1. Designing a salon appointment roster by service duration
2. Repeat bookings, no-shows and product usage in a small salon

Operating articles

1. Operating decisions by business

Observed SBA lending data

1. SBA lending data: 152 industry categories
2. Coffee shops and snack bars: SBA loan data, lenders and historical outcomes
3. Car washes: SBA loan data, lenders and historical outcomes
4. Full-service restaurants: SBA loan data, lenders and historical outcomes
5. Residential remodelers: SBA loan data, lenders and historical outcomes
6. Fitness and recreational sports centers: SBA loan data, lenders and historical outcomes
7. Plumbing, heating and air-conditioning contractors: SBA loan data, lenders and historical outcomes
8. Landscaping services: SBA loan data, lenders and historical outcomes
9. Child day care services: SBA loan data, lenders and historical outcomes
10. General automotive repair shops: SBA loan data, lenders and historical outcomes
11. Beauty salons: SBA loan data, lenders and historical outcomes
12. Limited-service restaurants: SBA loan data, lenders and historical outcomes
13. Electrical contractors: SBA loan data, lenders and historical outcomes
14. Janitorial and cleaning services: SBA loan data, lenders and historical outcomes
15. Pet grooming and boarding: SBA loan data, lenders and historical outcomes
16. Coin-operated laundromats: SBA loan data, lenders and historical outcomes
17. Painting contractors: SBA loan data, lenders and historical outcomes
18. Roofing contractors: SBA loan data, lenders and historical outcomes
19. Nail salons: SBA loan data, lenders and historical outcomes
20. Food trucks and mobile food: SBA loan data, lenders and historical outcomes
21. Retail bakeries: SBA loan data, lenders and historical outcomes
22. Local general freight trucking: SBA loan data, lenders and historical outcomes
23. Insurance agencies and brokerages: SBA loan data, lenders and historical outcomes
24. Offices of Dentists: SBA loan data, lenders and historical outcomes
25. Grocery retailers: SBA loan data, lenders and historical outcomes
26. Therapy and audiology offices: SBA loan data, lenders and historical outcomes
27. CPA-office SBA lending data: SBA loan data, lenders and historical outcomes
28. Bookkeeping and other accounting services: SBA loan data, lenders and historical outcomes
29. Veterinary Services: SBA loan data, lenders and historical outcomes
30. Caterers: SBA loan data, lenders and historical outcomes
31. Commercial printing: SBA loan data, lenders and historical outcomes

Library & information

1. Build the plan. Understand the numbers.
2. Business ideas and planning cases
3. Startup costs by business
4. Business profitability and cash flow
5. Business plan examples with linked financials
6. Financial models behind the business cases
7. Business planning calculators
8. Break-even calculator
9. Monthly loan payment calculator
10. Business planning guides
11. Loan-planning document checklist
12. How to prepare financial projections for a business plan
13. Business plan and financial model package
14. About SBA Loan
15. Authors and editorial responsibility
16. Editorial policy
17. Contact
18. Privacy Policy
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20. Refund and Cancellation Policy
21. Food and drink business formats: service, production and cash
22. Home and trade services: crews, job mix and collection timing
23. Personal and pet services: appointments, staffing and memberships
24. Planning-case methodology

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