JHS
Jorissen Health Services
JFC Business Plan — Mobile Health ServicesExecutive Summary
Entity Type
LLC / PLLC
Florida Dept of State
Service Area
SW Florida
Lee & Collier Counties
Market CAGR
9.8%
2025–2030 Projected
Gross Margins
60–85%
Industry Average
Startup Capital
$85–175K
Vehicle + Equip + Working Capital
Break-Even
12–18 mo
Conservative Estimate
Business Overview
Mission & VisionJorissen Health Services (JHS) is a mobile healthcare company under the JFC umbrella providing on-demand nursing and nurse practitioner services throughout Southwest Florida. JHS delivers IV hydration therapy, wellness infusions, primary care screenings, chronic disease management, and concierge health services directly to clients at their homes, offices, hotels, and events. Operating with a Registered Nurse (RN) and an Autonomous Advanced Practice Registered Nurse (APRN/NP), JHS leverages Florida's autonomous NP practice law (HB 607) to deliver physician-independent primary care and wellness services to the rapidly growing SW Florida market.
Target Market
SW Florida Demographics- High-net-worth retirees & seasonal residents (Naples/Bonita Springs/Estero)
- Tourists & hospitality guests — hotels, resorts, vacation rentals
- Corporate wellness programs — Arthrex, Gartner, Hertz HQ campuses
- Athletes, fitness enthusiasts, and sports teams (FGCU, spring training)
- Homebound/mobility-limited patients needing in-home clinical services
- Event-based services — golf tournaments, marathons, festivals
Competitive Advantages
Market Differentiation- Autonomous NP enabling independent prescribing, diagnosing, and treatment without physician oversight protocols
- JFC technology infrastructure — online booking, EHR integration, automated scheduling via existing Firebase/Google platform
- Local owner-operator model with JFC umbrella credibility vs. franchise competitors
- Dual-provider model (RN + NP) enables both wellness and medical-grade services under one brand
- Cross-selling opportunities with existing JFC client base and JVS location relationships
Market Opportunity
Industry Data- Global mobile IV hydration market: $1.3B (2024) → $2.1B (2030), 9.8% CAGR
- North America commands ~$1B of global market — highest disposable income segment
- Florida has 66,600+ APRNs with 13,470+ registered for autonomous practice
- Average IV treatment pricing: $150–$300 per session; NAD+/specialty: $400–$800+
- SW Florida: median age 50+, high seasonal population influx Nov–Apr (peak demand)
Services & Scope of Practice
Florida Scope of Practice: Under HB 607 (eff. 7/1/2020), autonomous APRNs may independently practice primary care including family medicine, general pediatrics, general internal medicine, and related health services — without a physician supervisory protocol. RNs may administer IV therapy, perform assessments, wound care, injections, and other services within their scope under standing orders or NP/physician protocols.
🩺 Services Performable by RN (Under Standing Orders/Protocol)
IV Hydration & Wellness
- Normal saline hydration drips
- Vitamin B12 / B-Complex infusions
- Vitamin C high-dose infusions
- Glutathione pushes
- Myers' Cocktail (multivitamin IV)
- Electrolyte replenishment
- Athletic recovery / hangover relief drips
- Immune boost infusions (Zinc, Vitamin D)
Clinical Nursing Services
- Vital signs assessment (BP, HR, SpO2, temp)
- Blood glucose monitoring
- Wound care & dressing changes
- IM/SubQ injections (B12, testosterone per Rx)
- Medication administration per protocol
- Phlebotomy / blood draws for labs
- Patient health education & counseling
- Post-surgical wound monitoring
Wellness & Preventive
- Health screenings (cholesterol, glucose, A1C)
- Flu / COVID / travel vaccination administration
- Allergy injections (per physician order)
- Weight management support injections (e.g. semaglutide per Rx)
- Corporate wellness health fairs
- Event medical standby services
👨⚕️ Additional Services Performable by Autonomous NP
Primary Care (Autonomous)
- Comprehensive health assessments & physicals
- Diagnosis & treatment of acute illnesses (URI, UTI, sinusitis, bronchitis)
- Chronic disease management (HTN, diabetes, COPD, asthma)
- Prescribe medications (including controlled substances with DEA)
- Order & interpret diagnostic labs and imaging
- Sports / pre-employment / DOT physicals
- Telehealth consultations (follow-up, medication management)
Specialty & Concierge
- NAD+ infusion therapy (anti-aging, cognitive support)
- Ketamine-assisted therapy (if psychiatrically certified)
- Hormone replacement therapy (HRT) management
- Medical weight management programs
- Pre/post-operative evaluations
- Travel medicine consultations & immunizations
- Executive concierge health memberships
Administrative Authority
- Sign and certify death certificates (per HB 647, eff. 7/1/2025, hospice context)
- Do-Not-Resuscitate Order (DNRO) authority
- Serve as Medical Director for JHS clinical operations
- Establish standing orders and clinical protocols for RN staff
- Credential with Medicare, Medicaid, and commercial payers
- Supervise & delegate to RN, LPN, and MA staff
⚠️ Important Scope Limitations: Autonomous NP practice in Florida is currently limited to primary care (family medicine, general pediatrics, general internal medicine). Specialty services (dermatology, cardiology, etc.) still require physician collaborative agreements. CRNAs and specialty APRNs are not included in autonomous practice provisions. If the NP holds psychiatric certification, HB 883/HB 301 (2025–2026 session) may expand autonomous psychiatric practice — monitor legislative progress.
Licensing, Credentials & Compliance
NP Credentialing Requirements
Florida Autonomous APRN- Active FL APRN License: Unencumbered, no disciplinary action within prior 5 years (per §456.072 / §464.018 F.S.)
- 3,000 Clinical Hours: Under physician protocol within the past 5 years (FL or out-of-state with protocol)
- 45 CE Hours: In pharmacology AND 45 CE hours in differential diagnosis within past 5 years (or equivalent graduate coursework)
- National Certification: AANP, ANCC, or other recognized certifying body — must be current
- DEA Registration: Required for prescribing controlled substances (Schedule II–V)
- NPI Numbers: Type 1 (individual) and Type 2 (organizational) — required for insurance billing
- Biennial Renewal: Autonomous registration renews with APRN license cycle
RN Requirements
Florida Board of Nursing- Active FL RN License: Via NCLEX-RN examination or endorsement (MOBILE Act: 2 years active practice)
- IV Therapy Certification: INS (Infusion Nurses Society) CRNI preferred; or documented IV competency training
- BLS/ACLS Certification: Current American Heart Association certifications
- Standing Orders: Must operate under written protocols/standing orders from the NP (or collaborating physician)
- CE Requirements: Florida requires 24 CE hours per biennium for RN renewal
- No Special Mobile Credential: Standard FL RN license is sufficient — no separate "mobile nursing" license exists
Business & Entity Licensing
State & Local Requirements- Florida LLC/PLLC Registration: Sunbiz.org — Professional LLC if NP-owned practice
- AHCA Health Care Clinic License: Required for mobile clinical operations (Agency for Health Care Administration)
- CLIA Waiver Certificate: Required if performing any CLIA-waived testing (rapid strep, glucose, flu, COVID, urinalysis)
- Lee County Local Business Tax Receipt: Required occupational license for Bonita Springs base
- EIN (Federal Tax ID): IRS — required for business banking, payroll, insurance billing
- HIPAA Compliance Program: Written policies, BAAs, encrypted EHR, staff training documentation
- Biomedical Waste Registration: FL DEP — required for sharps, blood-contaminated waste disposal
- Pharmacy Relationship: Compounding pharmacy agreement for custom IV formulations (503B pharmacy)
Insurance Credentialing
Payer Enrollment (Phase 2+)- CAQH ProView: Universal credentialing application — required by virtually all payers
- Medicare PECOS Enrollment: NP enrolls as rendering/billing provider — required for any Medicare patients
- Medicaid Provider Enrollment: Florida Medicaid (AHCA) — optional based on target demographics
- Commercial Payers: BCBS, Aetna, UHC, Cigna, Humana — individual credentialing per plan
- Note: Most mobile IV/wellness services are self-pay; insurance credentialing is primarily for NP primary care services
- Taxonomy Codes: NP: 363L00000X (Family) or 363LP0200X (Pediatrics); RN: 163W00000X
Reality Check: The majority of mobile IV therapy patients are self-pay. Medicare/Medicaid and most commercial insurers do not cover wellness IV infusions. Insurance credentialing is strategic for primary care/sick visit services to expand revenue beyond cash-pay wellness.
📋 Compliance Documentation Checklist
| Document / Requirement | Authority | Frequency | Status |
|---|---|---|---|
| APRN Autonomous Registration | FL Board of Nursing | Biennial | Pending |
| RN License Verification | FL Board of Nursing | Biennial | Pending |
| DEA Registration | DEA / DOJ | Triennial | Pending |
| AHCA Clinic License | AHCA | Biennial | Pending |
| CLIA Waiver | CMS / CDC | Biennial | Pending |
| NPI Type 1 & 2 | CMS NPPES | One-time | Pending |
| HIPAA Policies & Training | HHS OCR | Annual | Pending |
| Biomedical Waste Permit | FL DEP | Annual | Pending |
| Professional Liability Insurance | FL BON | Annual | Pending |
| Business Tax Receipt (Lee Co) | Lee County Tax Collector | Annual | Pending |
| LLC/PLLC Annual Report | FL Dept of State | Annual | Pending |
| Standing Orders / Protocols | Internal (NP signs) | Annual Review | Pending |
| Informed Consent Forms | Internal / Legal | Per Treatment | Pending |
| Controlled Substance Logs | DEA / FL DOH | Continuous | Pending |
Insurance & Risk Management
Florida Requirement (APRN): Professional liability coverage of at least $100,000 per claim / $300,000 aggregate — OR an irrevocable letter of credit / certificate of deposit in the same amounts. This is mandatory for autonomous APRN practice and must be maintained continuously.
Required Insurance Policies
Minimum Coverage| Policy Type | Coverage | Est. Annual Cost |
|---|---|---|
| Professional Liability / Malpractice (NP) | $1M per claim / $3M aggregate | $1,800–$3,600 |
| Professional Liability / Malpractice (RN) | $1M per claim / $3M aggregate | $540–$960 |
| General Liability (BOP) | $1M per occurrence / $2M aggregate | $800–$1,500 |
| Commercial Auto Insurance | $1M combined single limit | $2,400–$4,800 |
| Workers' Compensation | FL statutory minimum (4+ employees) | $1,200–$2,400 |
| Cyber / HIPAA Breach Insurance | $1M per incident | $600–$1,200 |
| Commercial Property (Equipment) | Replacement value of mobile equipment | $400–$800 |
Total estimated annual insurance: $7,740–$15,260
Risk Mitigation Strategies
Operational Safeguards- Written Protocols: All IV formulations, medication administration, and emergency procedures documented with NP-signed standing orders
- Informed Consent: Patient completes medical history screening, acknowledges risks, signs consent before every treatment
- Adverse Reaction Kit: Epinephrine, Benadryl (diphenhydramine), albuterol, glucose, IV access supplies — carried on every visit
- HIPAA Security: Encrypted EHR (e.g. Jane App, SimplePractice), encrypted devices, BAAs with all vendors
- Incident Reporting: Standardized adverse event documentation with 24-hour internal reporting protocol
- Sharps & Biohazard: Contracted biomedical waste disposal (Stericycle or similar); sharps containers on every mobile unit
- Staff Competency: Annual competency assessments, IV certification renewal, BLS/ACLS current status verification
- Tail Coverage: Claims-made policy — ensure tail coverage when switching carriers or closing practice
Recommended Insurance Providers
Nurse-Focused Carriers- CM&F Group: USA's first nursing liability provider (since 1947) — specific IV hydration & mobile nursing endorsements, from ~$9/mo for RN
- NSO (Nurses Service Organization): Largest nursing malpractice provider, ANA-endorsed, $1M/$6M options
- HPSO (Healthcare Providers Service Org): NP-specific policies with autonomous practice coverage
- Insureon: Business policy aggregator — BOP, general liability, workers' comp comparison shopping
- The Hartford / Hiscox: Small business commercial auto and BOP packages
- Berxi (Berkshire Hathaway): NP malpractice with quick online quoting
HIPAA Compliance Checklist
Data Security Requirements- Written HIPAA Privacy & Security Policies
- Designated HIPAA Privacy Officer (NP or designated staff)
- Encrypted EHR system with role-based access controls
- Business Associate Agreements (BAAs) with all vendors handling PHI
- Annual staff HIPAA training with documented completion
- Device encryption (laptops, tablets, phones) — MDM solution recommended
- Secure messaging platform for patient communications (no standard SMS for PHI)
- Data breach notification procedures (60-day HHS notification, patient notification)
- Physical safeguards: locked cabinets in vehicle, secure document disposal
Operations — Vehicle, Equipment & Supplies
🚐 Mobile Unit — Vehicle Options
Option A: Personal Vehicle + Kit
Lowest Startup CostSUV/crossover with organized medical supply cases. Treatments performed at client's location (home, office, hotel room).
- Cost: $0–$5,000 (supply cases & organization only)
- Best for: Phase 1 launch, house-call model
- Pros: Zero vehicle capex, fast launch, easy parking
- Cons: Less professional image, no treatment in vehicle, limited supply storage
Option B: Branded Sprinter Van
Recommended — Best ROIMercedes Sprinter 170 WB High Roof with medical-grade conversion — self-contained mobile clinic.
- Base vehicle: $55,000–$65,000 (new) / $35,000–$45,000 (used/CPO)
- Medical conversion: $40,000–$80,000 (exam area, sink, HVAC, power, storage)
- Total: $95,000–$145,000 (new build) / $75,000–$115,000 (used + conversion)
- Upfitters: La Boit Specialty Vehicles, Vanna Mobile Medical, Next Gen Vans, Odulair
- Includes: Shore power + battery bank, HVAC, exam table/recliner, sink w/ hot water, cabinetry, refrigeration for meds, exterior branding wrap
- No CDL required — standard Class C driver's license
Option C: Class-C Mobile Clinic
Premium / Phase 3Ford E-350 / E-450 Class-C chassis with full medical build — walk-in clinic on wheels.
- Total cost: $170,000–$380,000 depending on build complexity
- Best for: Phase 3 expansion, multi-provider operations, event/corporate contracts
- Pros: Full exam room, waiting area, ADA accessibility options
- Cons: Higher cost, more complex parking/logistics, higher fuel & insurance costs
- Specialty Vehicle Exchange, Farber Specialty Vehicles for used units
💊 Medical Supplies & Equipment
Startup Equipment List
Essential Medical Equipment| Item | Est. Cost | Source |
|---|---|---|
| Infusion recliner chairs (2) | $800–$1,600 | Henry Schein / McKesson |
| IV poles, portable (4) | $200–$400 | McKesson / Amazon Medical |
| Vital signs monitor (portable) | $800–$2,500 | Henry Schein / Welch Allyn |
| Pulse oximeter (handheld, 2) | $60–$200 | McKesson |
| Blood pressure cuffs (set of 3 sizes) | $100–$250 | Henry Schein |
| Medical-grade refrigerator (compact) | $500–$1,200 | Henry Schein / Helmer Scientific |
| Sharps containers (variety) | $50–$100 | McKesson |
| Emergency kit (Epi, Benadryl, etc.) | $200–$500 | Cardinal Health / Henry Schein |
| Point-of-care testing device (i-STAT or similar) | $3,000–$8,000 | Abbott / Henry Schein |
| AED (Automated External Defibrillator) | $1,200–$2,500 | ZOLL / Philips via Henry Schein |
| Tablet/laptop for EHR (2) | $1,000–$2,000 | Apple / Lenovo |
| Mobile hotspot / cellular booster | $100–$400 | T-Mobile / Starlink |
Estimated startup equipment: $8,010–$19,650
Supply Distributors
Wholesale Medical Supply Sources- McKesson Medical-Surgical: Full IV therapy catalog (900+ IV sets), infusion pumps, disposables, pharmaceuticals. Largest US distributor — mckesson.com
- Henry Schein Medical: 190,000+ SKUs, vaccines, surgical supplies, private-label brands. Global leader in office-based practice supplies — henryschein.com
- Cardinal Health: Manufacturer + distributor, supplies 75% of US hospitals. Custom procedure trays, IV solutions — cardinalhealth.com
- Medline Industries: Direct-to-provider, competitive pricing on high-volume consumables (gloves, gauze, tubing)
- 503B Compounding Pharmacies: Custom IV formulations (Myers' Cocktail, NAD+, glutathione blends) — must use FDA-registered 503B outsourcing facility
- Amazon Business / Medical: Supplemental sourcing for non-critical supplies, office supplies, organizational equipment
- Pipeline Medical: Newer GPO-style purchasing for small practices — volume pricing without hospital-scale commitments
📊 Per-Treatment Cost Breakdown
| Service | Supply Cost | Labor (30–60 min) | Total COGS | Price to Client | Gross Margin |
|---|---|---|---|---|---|
| Basic Hydration (NS 1L) | $15–$25 | $25–$35 | $40–$60 | $149–$199 | 65–70% |
| Myers' Cocktail | $30–$50 | $30–$40 | $60–$90 | $199–$279 | 60–70% |
| Immune Boost (Vit C + Zinc) | $25–$40 | $30–$40 | $55–$80 | $179–$249 | 65–70% |
| NAD+ Infusion (250mg) | $80–$150 | $50–$75 | $130–$225 | $400–$699 | 55–70% |
| Glutathione Push | $20–$35 | $20–$30 | $40–$65 | $149–$199 | 65–70% |
| B12 / Vitamin Injection (IM) | $5–$12 | $15–$20 | $20–$32 | $49–$79 | 55–75% |
| NP Sick Visit / Primary Care | $10–$25 | $60–$80 | $70–$105 | $175–$300 | 55–65% |
| Executive Health Assessment | $50–$100 | $100–$150 | $150–$250 | $500–$1,000 | 65–75% |
| Corporate Wellness Event (per hour) | $75–$150 | $100–$150 | $175–$300 | $500–$1,500 | 50–70% |
Marketing & Growth Strategy
Web & Digital Presence
Online Marketing Channels- JHS Website (Firebase-hosted): Public-facing booking site at jorissenconsult.com/health or dedicated jhs domain — service menu, online booking (Calendly/Jane App), pricing transparency, provider bios
- Google Business Profile: Claim and optimize for "mobile IV therapy near me," "concierge nurse Bonita Springs" — critical for local SEO and Google Maps visibility
- SEO Content Strategy: Blog posts targeting "IV therapy Naples FL," "mobile nurse practitioner Bonita Springs," "hangover IV drip Fort Myers" — long-tail local keywords
- Online Booking Integration: Jane App, SimplePractice, or Acuity — allow same-day/next-day booking with prepayment, integrated intake forms
- Review Management: Actively solicit Google, Yelp, and Healthgrades reviews — aim for 50+ reviews within Year 1; respond to all reviews within 24 hours
Social Media Strategy
Platform-Specific Tactics- Instagram: Primary visual platform — before/after wellness content, IV setup photos, provider stories, Reels showing mobile service in action, client testimonials (with consent). Target: 3–5 posts/week
- Facebook: Community groups (Bonita Springs Living, Naples Locals), event promotion, corporate wellness posts, Facebook Marketplace for service awareness. Run targeted ads to 35–65 demographic within 25mi radius
- TikTok: Educational content — "What's in a Myers' Cocktail?", "Day in the life of a mobile NP," wellness tips. Target younger demographic & tourist visitors
- LinkedIn: B2B corporate wellness outreach, connect with HR directors at target companies (Arthrex, Gartner, Lee Health), publish thought leadership on mobile health
- Google Ads (PPC): Target "IV therapy near me," "mobile nurse practitioner Naples" — budget $500–$1,500/mo initially, scale based on CAC
- Email Marketing: Mailchimp/Klaviyo drip campaigns — post-treatment follow-up, monthly wellness tips, seasonal promotions (flu season, spring break)
Partnership & B2B Channels
Strategic Alliances- Hotel & Resort Partnerships: Hyatt Regency, Ritz-Carlton, JW Marriott (Naples/Bonita) — in-room IV therapy as concierge service with revenue share
- Corporate Wellness: Pitch to Arthrex, Gartner, Hertz HQ, Lee Health admin — on-site flu clinics, executive health days, wellness fairs (leverage JVS relationships)
- Med Spas & Aesthetics: Referral partnerships with existing med spas that don't offer IV therapy or need NP support
- Real Estate / Property Management: Partner with luxury condo HOAs, retirement communities for resident wellness programs
- Event Organizers: Medical standby for golf tournaments (TPC Treviso Bay), marathons, festivals — revenue + brand exposure
- Gyms & Fitness: CrossFit boxes, boutique fitness studios — recovery IV specials, membership tie-ins
- Travel & Tourism: Airport shuttle partnerships, vacation rental management companies (VRBO/Airbnb hosts)
Growth Levers
Revenue Expansion Strategies- Membership / Subscription Model: Monthly wellness membership ($199–$499/mo) — 1–2 IV treatments/mo, priority booking, discounted add-ons. Target: 20% of client base by Year 2
- Group/Party Packages: "Drip Party" — 4+ people at one location, discounted per-person rate, bachelorette/birthday/pre-event packages
- Seasonal Campaigns: Tourist season push (Nov–Apr), flu season clinics (Oct–Feb), spring break recovery (Mar), hurricane season prep (Jun–Nov)
- Referral Program: $25 credit per referred client who books — word-of-mouth is #1 driver in mobile wellness
- Telehealth Expansion: NP follow-ups, chronic care management, prescription management via telehealth — extends revenue without travel time
- Employer Direct Contracting: Annual wellness contracts with local employers — predictable recurring revenue
Marketing Budget Guidance (Year 1): Allocate 10–15% of projected revenue to marketing. For a projected $180K Year 1 revenue, budget $18K–$27K across digital ads ($6K–$10K), social media management ($3K–$6K), website/booking platform ($2K–$4K), print/vehicle branding ($3K–$5K), and event sponsorships ($2K–$4K). Reduce to 7–10% in Years 2–3 as organic/referral channels mature.
Financial Projections — 1, 3 & 5 Year (Low / Medium / High)
Assumptions: SW Florida market (Lee + Collier Counties). Staffing: 1 NP + 1 RN at launch. Average treatment price $200 (blended across service mix). Seasonal multiplier: 1.3x Nov–Apr, 0.8x May–Oct. Operating 5 days/week. Treatments per provider per day: 3–5 (RN), 3–6 (NP, including sick visits). Vehicle: branded Sprinter van (Option B). All figures in USD. Projections exclude insurance reimbursement revenue (conservative, self-pay model).
📅 Year 1 Projection (Months 1–12)
Launch & Build PhaseRamp-up period. Months 1–3: setup, licensing, vehicle prep, soft launch. Months 4–12: active operations with growing client base. 2 providers, 5 days/week.
Low
$132K
~660 treatments @ $200 avg
2.5 treatments/day/provider
Medium
$216K
~1,080 treatments @ $200 avg
4 treatments/day/provider
High
$324K
~1,620 treatments @ $200 avg
6 treatments/day/provider
| Category | Low | Medium | High |
|---|---|---|---|
| Gross Revenue | $132,000 | $216,000 | $324,000 |
| COGS (supplies, lab, pharmacy) | ($39,600) | ($54,000) | ($81,000) |
| Gross Profit | $92,400 | $162,000 | $243,000 |
| Payroll (NP + RN) | ($165,000) | ($165,000) | ($165,000) |
| Insurance (all policies) | ($12,000) | ($12,000) | ($12,000) |
| Vehicle (payment, fuel, maint) | ($18,000) | ($18,000) | ($18,000) |
| Marketing | ($15,000) | ($22,000) | ($30,000) |
| Technology (EHR, booking, phones) | ($6,000) | ($6,000) | ($6,000) |
| Admin / Office / Misc | ($8,000) | ($8,000) | ($8,000) |
| Net Income (Loss) | ($131,600) | ($69,000) | $4,000 |
Year 1 is expected to operate at a loss under L/M scenarios — standard for healthcare startup ramp-up. Working capital reserve of $50K–$80K recommended.
📅 Year 3 Projection (Month 25–36)
Growth & Scaling PhaseEstablished client base. Membership revenue active. Add 1 additional RN (3 providers total). Corporate contracts in place. May add second vehicle. Insurance credentialing generating additional revenue stream.
Low
$360K
~1,800 treatments @ $200 avg
+ $36K membership revenue
Medium
$540K
~2,500 treatments @ $210 avg
+ $60K membership revenue
High
$780K
~3,400 treatments @ $220 avg
+ $96K membership + corporate
| Category | Low | Medium | High |
|---|---|---|---|
| Gross Revenue | $360,000 | $540,000 | $780,000 |
| COGS | ($90,000) | ($124,000) | ($172,000) |
| Gross Profit | $270,000 | $416,000 | $608,000 |
| Payroll (NP + 2 RN + PT admin) | ($220,000) | ($230,000) | ($250,000) |
| Insurance | ($16,000) | ($18,000) | ($20,000) |
| Vehicle(s) | ($22,000) | ($30,000) | ($36,000) |
| Marketing | ($25,000) | ($40,000) | ($55,000) |
| Technology | ($8,000) | ($10,000) | ($12,000) |
| Admin / Office / Misc | ($12,000) | ($14,000) | ($16,000) |
| Net Income | ($33,000) | $74,000 | $219,000 |
Medium scenario achieves profitability by Year 3. High scenario reflects strong corporate contract wins and membership adoption.
📅 Year 5 Projection (Month 49–60)
Maturity & Optimization PhaseMature operations. 2 NPs + 3 RNs (5 providers). 2–3 vehicles. Established brand recognition. Insurance credentialing active. Telehealth supplement revenue. Possible brick-and-mortar wellness lounge as hybrid model.
Low
$680K
~3,000 treatments @ $220 avg
+ $80K memberships & contracts
Medium
$1.08M
~4,500 treatments @ $230 avg
+ $144K memberships & contracts
High
$1.65M
~6,500 treatments @ $240 avg
+ $240K memberships & contracts
| Category | Low | Medium | High |
|---|---|---|---|
| Gross Revenue | $680,000 | $1,080,000 | $1,650,000 |
| COGS | ($156,000) | ($227,000) | ($330,000) |
| Gross Profit | $524,000 | $853,000 | $1,320,000 |
| Payroll (2 NP + 3 RN + admin) | ($380,000) | ($420,000) | ($480,000) |
| Insurance | ($24,000) | ($28,000) | ($32,000) |
| Vehicle(s) | ($36,000) | ($48,000) | ($60,000) |
| Marketing | ($35,000) | ($65,000) | ($100,000) |
| Technology | ($12,000) | ($18,000) | ($24,000) |
| Facility (if hybrid model) | $0 | ($36,000) | ($48,000) |
| Admin / Office / Misc | ($18,000) | ($24,000) | ($30,000) |
| Net Income | $19,000 | $214,000 | $546,000 |
| Net Margin | 2.8% | 19.8% | 33.1% |
📊 5-Year Revenue Trajectory
Low Scenario
Yr 1
$132K
Yr 3
$360K
Yr 5
$680K
5-Year Cumulative: ~$2.1M
Medium Scenario
Yr 1
$216K
Yr 3
$540K
Yr 5
$1.08M
5-Year Cumulative: ~$3.8M
High Scenario
Yr 1
$324K
Yr 3
$780K
Yr 5
$1.65M
5-Year Cumulative: ~$5.9M
💰 Startup Capital Requirements
| Category | Option A (Lean) | Option B (Recommended) | Option C (Premium) |
|---|---|---|---|
| Vehicle (purchase or down payment) | $0 | $25,000–$40,000 | $50,000–$75,000 |
| Vehicle Conversion / Build-out | $2,000 | $40,000–$80,000 | $80,000–$150,000 |
| Medical Equipment | $8,000 | $15,000 | $20,000 |
| Initial Supply Inventory | $3,000 | $5,000 | $8,000 |
| Licensing & Legal | $3,000 | $5,000 | $8,000 |
| Insurance (first year prepaid) | $8,000 | $12,000 | $15,000 |
| Marketing (launch campaign) | $3,000 | $8,000 | $15,000 |
| Technology (EHR, booking, site) | $2,000 | $4,000 | $6,000 |
| Working Capital Reserve (3 months payroll) | $40,000 | $50,000 | $60,000 |
| Total Startup Capital | $69,000 | $164,000–$219,000 | $262,000–$357,000 |
Key Financial Milestones: Break-even at 12–18 months (Medium scenario). Positive monthly cash flow by Month 10–14 (Medium). Cumulative investment recovery by Month 24–30. Year 5 net margin target: 20–33%. Consider SBA 7(a) loan or USDA Rural Business Development Grant for initial capital. JFC internal funding may bootstrap lean launch under Option A.