LOYALTY PROGRAM MANAGEMENT BUSINESS PLAN

I. Executive Summary

Company Description

Circuit Loyalty takes its name from the idea of a closed customer journey—every visit, reward, and message completes the circuit back to the business. Based in Austin, Texas and launching in 2026, we operate in the loyalty and customer-retention sector, providing managed loyalty programs for small and medium-sized businesses across the U.S. Our core offering combines proprietary software with expert human management to deliver a done-for-you solution that increases repeat visits and customer lifetime value. We design programs, integrate with point-of-sale systems, run data-driven campaigns, and handle ongoing optimization and reporting. One-liner: a full-service loyalty partner that turns casual buyers into regulars.

What sets us apart is the operational layer: we don’t just license software, we run the program for the client—strategy, execution, and continuous improvement. That operational commitment allows SMBs to compete with large chains without hiring in-house analytics or marketing teams. We target local restaurants, retail shops, personal services, and similarly sized businesses that lack marketing bandwidth but have stable transaction volume. Short-term goals are a successful 2026 launch and a tested, repeatable onboarding playbook; long-term goals are nationwide scale as the preferred outsourced loyalty operator and measurable increases in client customer lifetime value. One-liner: focused on outcomes, not dashboards.

Problem

Small and medium-sized businesses in the U.S. lack the technical expertise and time to run effective customer retention programs and therefore lose repeat customers to larger competitors with dedicated analytics teams and bigger budgets.

Current market options are mainly do-it-yourself software that requires owners to design strategy, implement campaigns, and interpret data; these tools are often underused and deliver poor return on investment.

There is a clear need for a managed, end-to-end loyalty service that combines technology and hands-on program management so SMBs can capture predictable repeat revenue without building in-house capabilities.

Solution

Small businesses in high-repeat-purchase sectors lack time, technical skills, and strategic expertise to run loyalty programs; DIY software often goes unused and fails to deliver measurable ROI, creating a "loyalty gap" that raises acquisition costs and lowers retention. One-liner: Turn one-time shoppers into a loyal community.

We provide a done-for-you loyalty program management service that combines a scalable software platform with hands-on expert support: integration with major POS and e-commerce platforms, branded member UX, data migration, personalized offers and automations, ongoing optimization, and KPI reporting. Financial target: achieve an EBITDA of $2,088,000 by 2028. One-liner: Increase repeat revenue without adding owner workload.

Mission Statement

We empower small and medium-sized businesses with the expertise and technology to build lasting customer relationships and compete with national chains through managed loyalty solutions that drive measurable growth and exceptional service. We make world-class loyalty programs accessible to every local entrepreneur by combining simple, proven tools with hands-on support and clear performance metrics. Every small business deserves a loyal community.

Key Success Factors

These are the primary drivers that will determine our ability to scale nationally and hit financial targets.

• Done-for-you service model that differentiates us from DIY software competitors.
• Seamless integrations with major POS and e-commerce platforms to minimize onboarding friction.
• Dedicated loyalty experts on the team to design, launch, and optimize programs.
• Disciplined financial plan targeting breakeven in May 2027 and a 32-month payback period.
• Scalable marketing engine able to grow spend from $150,000 to $1,200,000 while reducing CAC and focusing on high-repeat-purchase sectors.

Financial Summary

Snapshot: the plan targets scale through tiered subscriptions and heavy early R&D and marketing investment to reach positive operating cash by May 2027.

Financial requirements: initial capex and runway cover core platform R&D and marketing; minimum cash reserve required is $34,000 and payback is expected in 32 months with an IRR of 6% and breakeven in May 2027.

Conclusion: strong scalability drives a target 2030 EBITDA of $7,402,000 and a 14.41% ROE.

Funding Requirements

We require $1,015,000 to cover startup CapEx, the 2026 operating deficit, and a minimum cash buffer to fund platform development, initial marketing, and reach break-even in May 2027.