Evergreen Home Care is requesting an SBA 7(a) loan of $900,000 within a $1.2 million total project to launch and scale a non-medical personal care and private-duty home care agency serving seniors and individuals with disabilities across the Greater Columbus, Ohio market. The agency operates an employer-model workforce with a diversified private-pay, insurance, Medicaid-waiver and VA payer mix, scaling toward $7.27 million of Year-5 revenue at an 18.8% EBITDA margin. Headline revenue and EBITDA are preserved exactly; everything below EBITDA is independently re-derived (component depreciation, full cash interest on the SBA facility, corporate taxation and working capital) with the balance sheet tying to zero every year. This plan sets out the market and industry analysis, the SBA 7(a) financing request, the services, payers and revenue model, unit economics, the operations plan, caregiver recruitment and retention, marketing and referral strategy, competitive positioning, quality, compliance and risk management, technology and electronic visit verification, full financial projections, debt-service coverage and SBA underwriting, break-even and sensitivity analysis, risk analysis and independent findings, the SWOT and strategic analysis, growth strategy and exit, and the key performance indicators lenders will track. Use the contents below to navigate the plan.

Financial snapshot

Two headline charts from the plan. Full projections and all visualisations are in Section 15: Financial Plan & Projections.