Confidentiality & Disclaimer

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• Overview & contents
• Confidentiality & Disclaimer
• Executive Summary
• Company Overview
• Market & Industry Analysis
• The SBA 7(a) Financing Request
• Services, Payers & Revenue Model
• Unit Economics
• Operations Plan
• Caregiver Recruitment & Retention
• Marketing & Referral Strategy
• Competitive Positioning
• Management & Organization
• Quality, Compliance & Risk Management
• Technology & Electronic Visit Verification
• Implementation Roadmap
• Financial Plan & Projections
• Debt Service Coverage & SBA Underwriting
• Break-Even, Census & Sensitivity
• Risk Analysis & Independent Findings
• SWOT & Strategic Analysis
• Growth Strategy & Exit Considerations
• Key Performance Indicators
• Conclusion & The Financing Ask
• Annexure A: Detailed Financial Statements
• Annexure B: Assumptions Book
• Annexure C: Scenario & Sensitivity Analysis
• Annexure D: SBA Loan Summary & Repayment
• Annexure E: Licensing, Bonding & Compliance
• Annexure F: Payer & Reimbursement Detail
• Annexure G: Detailed Risk Register
• Annexure H: SBA Application Checklist
• Annexure I: Glossary & Lender FAQ

This business plan (the “Plan”) has been prepared by Evergreen Home Care, LLC (“Evergreen” or the “Company”) to support an application for financing under the U.S. Small Business Administration (SBA) 7(a) loan program and to provide prospective lenders and investors with information about the Company. It does not constitute an offer to sell securities.

The Company’s billable hours, revenue, cost of care, operating expenses, EBITDA, depreciation, interest and balance sheet are preserved as prepared by the members. The debt schedule, debt-service coverage, per-hour unit economics, break-even analysis, recruiting adequacy, balance-sheet reconciliation and investor returns beneath those figures have been independently re-derived by the analyst on a stated set of assumptions and are presented in Sections 15 through 19.

The financial projections are forward-looking statements based on assumptions the members consider reasonable at the date of preparation. Actual results may differ materially. Reimbursement rates, wage benchmarks, licensing requirements and market data are drawn from public sources and industry benchmarks current to July 2026 and must be independently verified. This Plan is not a guarantee of loan approval; SBA lending decisions rest with the participating lender and the SBA.

This analysis identifies several matters bearing directly on the credit decision, most importantly the basis on which Year-1 debt-service coverage is stated, the absence of rate and wage escalation in the projections, the level at which caregiver recruiting is funded relative to industry turnover, and the reconciliation of the opening balance sheet. These are set out plainly rather than smoothed, because an SBA credit committee will test each of them.

Confidentiality: this document is provided on a confidential basis and may not be reproduced or distributed without the Company’s prior written consent.