A contractor business plan needs seven sections: an executive summary, your services and trade, the local market, a marketing plan, operations and equipment, your crew, and the financials. A lender reads the money section first — startup costs, overhead, average job size, and a break-even point — so make that part real and keep the rest tight.
We run our own home-service companies, so this template is built for an operator who wants to win jobs, not impress a committee. Below is what to write in each section, the numbers that matter, and when a one-page plan does the job.
One page: your trade, who you serve, the gap you fill, and how much money you need. Write it last so it reflects the rest.
Remodels, repairs, new builds, a specialty like kitchens or decks. List your minimum job and typical project value — a focused trade is easier to market than "general everything."
Who else does this within your service area, their reviews, and your edge — faster bids, cleaner job sites, a niche they ignore. Name real competitors.
Profile, reviews, a site that ranks for "[trade] contractor [city]," and a referral system. The section most plans skip — make it concrete and budgeted.
Tools, vehicles, subcontractors, suppliers, and how you estimate and schedule. Note how many jobs you can run at once — that caps your revenue.
Employees vs. subs, who runs the office, and who answers the phone. Labor and the person catching leads are the two limits on growth.
Startup costs, monthly overhead, average job profit, jobs per month to break even, and a 12-month projection. The number a lender trusts most.
License, bond, insurance, tools you do not own, and a simple site. If you already have your trade tools and a truck, the low end is realistic.
Monthly overhead divided by average profit per job. Know this and you know whether you are building a business or buying yourself a job.
A site with AI lead capture is $249/mo and you own it. A real marketing line is the difference between a full schedule and a slow one.
The long version is for borrowing money. Otherwise keep it short:
Write what the lender needs or the one page that keeps you honest — nothing in between for its own sake.
The marketing section is ours to handle. A hand-built contractor site with AI lead capture is $249/mo; add the SEO content engine and attribution at $597/mo to rank for local searches. Free working demo in 48 hours, month-to-month, and you own the site and domain.
Related: how to start a contractor business, contractor website design, SEO for contractors, license requirements, and how to get clients.
We don't post stock testimonials. On a 15-minute call we screen-share the real dashboards behind our own businesses — live leads, rankings, and the exact page that produced each one. See the proof →
Summary, services, local market, marketing, operations, crew, and financials with a break-even point.
Often $2,000–$15,000 with license, bond, insurance, tools, and a site. Owning your tools and truck keeps it low.
For a bank or SBA loan, yes. Self-funding small, a one-page plan is usually enough.
Referrals first, then a profile, reviews, and a site that ranks for "[trade] contractor [city]."
Send your company name, trade, and metro — we will build a working demo within 48 hours. Free, no card, no commitment.
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