IN-HOME SENIOR CARE BUSINESS PLAN

I. Executive Summary

Company Description

Hearthside Care (name chosen to evoke home, warmth, and steady support) launches in January 2026 as a non-medical home care agency serving the growing U.S. senior population. We sell flexible, subscription-based in-home care plans that cover daily activities, safety oversight, and companionship. Operating from a professional office with a $25,000 setup and supported by advanced care management software, we schedule caregivers, manage care plans, and handle billing and family communications to ensure reliable, measurable service delivery.

The company’s core activities are caregiver recruitment and training, individualized care-plan design, shift scheduling, and remote care coordination. What sets us apart is our fully customizable subscription model, integrated software for real-time care updates, and a dignity-first caregiving standard that prioritizes independence. We target seniors age 75+ living at home and their adult children in urban and suburban markets. Short-term goals: reach 50 active subscriptions and break even by month 12. Long-term goals: scale to 500 subscriptions and expand into two adjacent metro areas by year 3.

Problem

Seniors and their families lack a widely available, flexible non-medical option that sits between full independence and institutional care; this gap raises fall risk, medication non-adherence, social isolation, and caregiver burnout.

Households face specific pain points: inconsistent caregiver training, unpredictable scheduling, limited companionship and daily-living assistance, and high family stress—factors that increase emergency care and long-term decline.

Existing solutions are fragmented or institutional; there is clear demand for a professional, customizable service. Our model—professional caregivers, a subscription-based flexible plan, a $25,000 professional office setup, and advanced care-management software—directly addresses these unmet needs by prioritizing safety, dignity, and family peace of mind.

Solution

Seniors and their families face limited, expensive, all-or-nothing care options that raise safety, isolation, and financial strain. Our service fills that gap by delivering a comprehensive suite of non-medical, in-home supports—companionship, personal care, light housekeeping, medication reminders, meal preparation, and initial assessments—to help older adults remain safely independent at home.

Care is provided by vetted professionals, calibrated to changing needs, supported by 24/7 on-call staff, and documented in a secure real-time family portal to preserve consistent caregiver relationships and transparency. One-liner: Professional, adaptive in-home care that preserves senior independence and peace of mind.

Mission Statement

Our mission is to empower seniors to age with dignity, safety, and independence in the comfort of their own homes through compassionate, customizable professional care. We commit to giving families peace of mind by delivering reliable, transparent, and high-quality non-medical support. We aim to be the most trusted partner in the aging-in-place journey and to set the standard for excellence in home care across the United States.

Key Success Factors

Our path to profitable, scalable in-home senior care rests on operational efficiency, low acquisition cost, and workforce stability.

• Low CAC: Customer acquisition cost targeted at $320 by 2030.
• Referral network: Steady, high-quality leads from healthcare professionals.
• Caregiver retention: Competitive wages plus $12,000 in training resources per cycle.
• Operational efficiency: $35,000 care management software for scheduling and client communication.
• Rapid profitability: 3-month break-even driving cash-flow sustainability.

Financial Summary

The financial plan shows rapid profitability and strong returns within the first five years.

Financial requirements: minimum cash cushion of $759,000 (min cash month: Feb-26); breakeven expected Mar-26; payback in 5 months; marketing budget ramps $120k→$240k (2026–2028).

Strong EBITDA growth and a 56.58% ROE imply high investor returns if execution matches projections.

Funding Requirements

Total funding secures launch capex, marketing, payroll, and a Feb‑26 cash cushion.

Projected Year 1 EBITDA $2,313,000, Year 5 EBITDA $20,845,000; ROE 56.58, IRR 0.44, average billable hours/customer rising 45→58/month, caregiver wages falling to 16% of revenue by 2030, and a 5‑month payback.