IN-HOME ELDERLY CARE BUSINESS PLAN

I. Executive Summary

Company Description

The company name is HearthBridge, chosen to signal a trusted connection between a senior’s home (hearth) and their support network (bridge). We operate in the non-medical in-home care sector in the United States and will begin operations for a 2026 launch. Our primary offering is a premium, subscription-based service that delivers customizable care plans through a professional management team and a vetted caregiver workforce. We combine reliable scheduling, documented caregiver vetting, and digital family updates to provide safety, companionship, and consistent daily support. We prioritize transparency and long-term relationships. One clear line: we keep seniors safe and families informed.

Main activities include client intake and assessment, personalized care-plan design, scheduled in-home visits, caregiver supervision, and family-facing technology for real-time updates. What sets us apart is the subscription model that bundles predictability with flexible hours, a management layer that enforces quality standards, and an app-driven communication loop that keeps families connected without extra calls. We target aging adults who prefer to remain at home and their adult children who manage care decisions. Short-term goals are to launch the service in our initial metro area in 2026 and validate retention metrics; long-term goals are to scale regionally and become a leader in non-medical home care. One clear line: we aim for durable client relationships and measurable care quality.

Problem

Millions of U.S. seniors need support to safely age in place but lack reliable daily care, creating safety risks and lower quality of life. Families aged 40–65 carry the emotional and logistical burden while juggling jobs and personal commitments, often forcing unwanted moves into institutional care. Consequence: higher family stress, interrupted careers, and reduced senior independence; the business aims to close a $43,000 EBITDA shortfall in year one.

Existing services leave gaps in consistency, transparency, and flexibility—families lack a dependable, long-term non-medical care option that scales as needs change and keeps relatives connected. A focused, subscription-based in-home care service with vetted caregivers, professional management, and tech-enabled family communication is needed to reduce safety incidents, relieve caregiver time pressure, and lower premature institutionalization rates.

Solution

We deliver professional, compassionate in‑home care that keeps seniors safe and independent while relieving family stress. Services span companionship and meal prep to intensive personal care, all governed by a customized care plan managed by a dedicated Care Coordinator and a vetted caregiver team; a proprietary family‑communication and scheduling platform will launch in 2026 to enable real‑time updates and smoother scheduling.

One line: flexible, scalable in‑home care with vetted caregivers, care coordination, and a 2026 platform—targeting breakeven by August 2026.

Mission Statement

Our mission is to empower seniors to live independently and safely at home by delivering compassionate, personalized, and flexible care that respects dignity and choice. We relieve family caregivers through professional support, transparent communication, rigorous vetting, and continuous training. We exist to provide peace of mind for families and a thriving, respectful environment for every senior we serve.

Key Success Factors

Success depends on maintaining premium caregiver supply, hitting the August 2026 breakeven, shifting service mix to Combined Services, sustaining target returns, and retaining customers with proprietary tech and Care Coordinators.

• Competitive caregiver pool: sustain quality through market wages and a dedicated $70,000 recruiter.
• On-time breakeven: achieve profitability by August 2026 to validate the model.
• Efficient marketing: deploy a $30,000 digital strategy to drive demand and lower CAC.
• Service mix shift: grow to 60% Combined Services by 2030 to maximize margins.
• Financial and retention targets: maintain 13.35% ROE, 12% IRR, and high LTV via proprietary tech and Care Coordinator model.

Financial Summary

Summary of key financial outcomes and timing for the Executive Summary.

Financial requirement: Minimum cash required $784,000 with breakeven in Aug-26 and an 18-month payback; marketing will scale to $200,000/year by 2030; anticipated ROE 13.35% (IRR 12%).

Outlook: the plan moves from a small first-year loss to positive, scalable EBITDA and mid-teens ROE.

Funding Requirements

Total initial funding of $784,000 is required to reach the minimum cash balance in August 2026, support year-one operations and recruitment, and execute a plan that delivers year-one EBITDA of -$43,000, breakeven in Aug-2026, EBITDA of $731,000 in year two and $6,228,000 in year five, a 13.35% Return on Equity, an 18-month payback, and marketing scaled to $200,000 annually by year five.