Credit Repair Business Plan Example

Credit Repair
Business Plan
BUSINESS PLAN
2023
 John Doe
 10200 Bolsa Ave, Westminster, CA, 92683
 (650) 359-3153
 [email protected]
 http://www.example.com
Information provided in this business plan is unique to this business and confidential; therefore, anyone reading this plan
agrees not to disclose any of the information in this business plan without prior written permission of the company.
Table of Contents
Executive Summary 6
Market opportunity 7
Services Offered 7
Marketing & sales strategies 8
Financial Highlights 8
Units Sold v/s Revenue 9
Company Overview 10
Ownership 11
Mission statement 12
Business history 12
Future goals 13
Market Analysis 14
Target Market 15
Market size and growth potential 15

Market Size 16
Competitive analysis 16
Lexington Law 16
CreditRepair.com 17
Sky Blue Credit 17
Market trends 17
Regulatory environment 18
Products and Services 19
Credit Repairing Services 20

Credit Report Analysis 20
Dispute Resolution 21
Debt Management 21
Credit Counseling 22
Additional Services 22
Credit Repair Business Plan | Business Plan 2023 2/50

Sales And Marketing Strategies 23
Unique Selling Proposition (USP) 24
Pricing Strategy 24
Marketing strategies 25
Online 25
Sales strategies 26
Customer retention 26
Operations Plan 27
Staffing & Training 28
Operational Process 28
Technology 29
Management Team 30
Key managers 31
John Doe 31
Jane Doe 32
Alice Brown 32
Robert Brown 33
Organizational structure 33
Organization chart 34
Compensation plan 34
Advisors/Consultants 35
Dr. Emma White 35
Mr. Tom Gray 35
Financial Plan 36
Profit & loss statement 37
Cash flow statement 40
Balance sheet 42
Break-even Analysis 44
Financing needs 46

Appendix 48

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1.
Executive Summary

An executive summary is the first section of the business plan intended to
provide an overview of the whole business plan.
To unlock help try Upmetrics! 

Generally, it is written after the entire business plan is ready. Here are some
components to add to your summary.
 Help tip  • Introduction

Credit of your
Repair Business Planbusiness idea.
• A brief explanation of market opportunity.

Start your executive summary by briefly introducing your business to your readers.
• An overview of your products and services.
This section may include • Brief about of
the name your core
your team.
credit repairing business, its location, when it was
founded, the type of credit repairing
• Financial business (E.g., credit repair services,Tocredit
highlights.
unlock help try Upmetrics! 
counseling
services, credit repair affiliate), etc.
• Call to action.
Start writing here..
Market opportunity
 Help tip  Credit Repair Business Plan
summarize your market research, including market size, growth potential, and marketing
trends. Highlight the opportunities in the market and how your business will fit in to fill the gap.
Services Offered
Highlight the credit repair services you offer your clients. The USPs and differentiators you offer
are always a plus.
For instance, you may include credit counseling, credit repair, etc as yourTo unlock help try Upmetrics! 
services.

Marketing & sales strategies
Outline your sales and marketing strategies—what marketing platforms you use, how you plan
on acquiring customers, etc.
Financial Highlights
Briefly summarize your financial projections for the initial years of business operations. Include
capital or investment requirements, associated startup costs, projected revenues, and profit
forecasts.

Units Sold v/s Revenue
Units Sold Revenue
15.00k
10.00k
5.00k
0
Year 1 Year 2 Year 3
End of interactive chart.

Financial Year Units Sold Revenue
Year 1 1,550 $10,000
Year 2 1,800 $12,000
Year 3 2,050 $14,000
Summarize your executive summary section with a clear CTA, inviting angel investors to
discuss the potential business investment.
Write a call to action for your business plan.

2.
Company Overview

Depending on what details of your business are essential, you’ll need
different elements in your business overview.

Still, there are some foundational elements like business name, legal
structure, location, history, and mission statement that every business
overview should include.
Describe your business in this section by providing all the basic information:
Describe what kind of credit repair company you run and the name of it. You may specialize in
one of the following credit repairing businesses:
• Credit Repair Services: These services could involve negotiating with creditors,
challenging mistakes on credit reports, and giving guidance on raising credit ratings.
• Credit Counselling Services: A credit counseling business offers advice to clients on how
Ownership
to better manage their money and credit scores.
• Credit Education Services: A credit education service gives customers knowledge and
tools on how to raise their credit scores and take control of their money.
Describe the legal structure of your credit repair business, whether it is a sole proprietorship,
LLC, partnership,
List the names ofor others.
your credit repair company’s founders or owners. Describe what shares they
own and their responsibilities for efficiently managing the business.
Explain where your business is located and why you selected the place.

Mission statement
Summarize your business’ objective, core principles, and values in your mission statement. This
statement needs to be memorable, clear, and brief.
❛ Our mission at [Credit Repair Solutions] is to empower our clients

with the knowledge and tools they need to improve their credit
scores and achieve financial freedom.
We are committed to providing personalized and results-driven

services that are tailored to the unique needs of each client,
guided by our core principles of integrity, transparency, and
customer satisfaction.
❜
Business history
If you’re an established credit repair service provider, briefly describe your business history, like
—when it was founded, how it evolved over time, etc.
Additionally, If you have received any awards or recognition for excellentTo unlock help try Upmetrics! 
work, describe them.

Future goals
It’s crucial to convey your aspirations and vision. Mention your short-term and long-term goals;
they can be specific targets for revenue, market share, or expanding your services.

3.
Market Analysis

Market analysis provides a clear understanding of the market in which your
printing business will run along with the target market, competitors, and
growth opportunities.
Your market analysis should contain the following essential components:
 Help tip  • Target

Credit market.
Repair Business Plan
• Market size and growth potential.

To write the introduction section of your market analysis, start by clearly identifying your
• Competitive analysis.
primary target market.
• Market trends.
Mention specific industries or sectors
• Regulatory that your business aims to serve. Next,
environment. define your ideal
customer by listing the attributes they value most, such as quality, affordability, or
convenience.
Finally, discuss the insights gained from your market research. Highlight the needs and
preferences of your potential clients, and explain how your products or services meet those
Target Market
specific demands.
This will set a strong foundation for the rest of your market analysis, demonstrating that you
 Help tip  Credit Repair
have a clear understanding
Business Plan
of your target audience and their needs.
Start this section by describing your target market. Define your ideal customer and explain what
types of services they prefer. Creating a buyer persona will help you easily define your target
market to your readers.
For instance, individuals with poor credit, business owners, etc, would be an ideal target
audience
Start for a credit repair business.
writing here..
Market size and growth potential
Describe your market size and growth potential and whether you will target a niche or a much
broader market.

Market Size
Available Market
Total potential individuals seeking
credit repair in the U.S.
100M
Served Market
Individuals actively seeking credit
repair services.
30M
Target Market
Individuals with poor credit scores
aged 25-45.
5M
Identify and analyze your direct and indirect competitors. Identify their strengths and
weaknesses, and describe what differentiates your credit repairing services from them.

Point out how you have a competitive edge in the market.
Competitive analysis
Lexington Law
Founded in 2004, Lexington Law is one of the oldest and most respected firms in the credit repair
industry. They combine legal expertise with credit repair services, leveraging a team of lawyers and
paralegals to challenge negative report items.
Features Strengths Weaknesses

Personalized credit repair plans Legal expertise and credibility Higher pricing compared to some
due to their team of lawyers. competitors
Legal consultation and
intervention Long-standing reputation and Services might be overwhelming
extensive industry experience for those seeking simple credit
Credit score analysis
repair solutions
Technological tools allowing
Online dashboard & mobile app
clients to monitor their credit
for real-time tracking
repair progress

CreditRepair.com
CreditRepair.com focuses on a technology-driven approach to credit repair. Established in 1997, they
offer tools and solutions aimed at not only improving credit scores but also educating clients.

Customized credit repair game User-friendly interface and Lack of legal consultation
plan easy-to-use digital tools services
Mobile app for tracking & alerts Strong emphasis on customer Pricing might be on the higher
education side for some of the services
Credit report analysis
offered
Transparent process with
Monthly credit score updates
monthly progress reports
Sky Blue Credit

Sky Blue Credit offers a straightforward and user-friendly approach to credit repair. Founded in 1989,
their no-nonsense methodology appeals to individuals seeking transparent and easy-to-understand
services.

Customized dispute letters to Simplified, transparent pricing Limited digital tools for tracking
credit bureaus model and reporting
Debt validation and negotiation Flexibility in choosing and Absence of specialized legal
services pausing services consultation services
Pause your service feature, Extensive industry experience

offering flexibility in the credit with a clean track record
repair journey
Market trends
Analyse emerging trends in the industry, such as technology disruptions, changes in customer
behavior or preferences, etc. Explain how your business will cope with all the trends.

For instance, alternative credit scoring models are getting popular; explain how you plan on
dealing with this potential growth opportunity.

Regulatory environment
List regulations and licensing requirements that may affect your credit repair company, such as
the Consumer Financial Protection Bureau (CFPB), Fair Credit Reporting Act (FCRA), state laws,
etc.

4.
Products and Services

The product and services section of a credit repair business plan should
describe the specific services and products that will be offered to customers.
To write this section should include the following:
• Introduce what you are gonna offer.

• List products/services with detailed descriptions.
• Pricing structure.
• Product/service
To craft the introduction lifecycle.
for your "Products and Services" chapter, begin by positioning your
business within its industry, emphasizing
• Safety and qualityits unique strengths or value proposition.
assurance.
• Support and warranty.
Highlight not only the tangible products or services you offer but also theTooverarching
benefits
or solutions they provide to customers. Mention any key resources or expertise that elevate
your
Start offerings,
writing here.. such as advanced technology or a dedicated team.
Conclude the introduction by signposting readers to the deeper exploration of your offerings in
the following sections. This approach ensures that readers understand the context,
 Help tip
significance, and scope of what your business brings to the table.
Mention the credit repair services your business will offer. This list may include services like,
• Credit report analysis

• Dispute resolution
• Debt management
Credit• Credit
Repairing Services
counseling
Credit
Provide a detailed description of each service you Report Analysis
provide, including the process involved, any
specific tool you use, and the time required.
Price: [$99.99] per analysis

A thorough examination of a client's credit report to
pinpoint inaccuracies and areas for improvement.
Specifications
• Comprehensive review of all three major credit bureau

reports.
• Identification of errors, discrepancies, and potential

fraud.
• Detailed report highlighting areas of concern and

recommended actions.

Dispute Resolution
Price: [$149.99] per disputed item

A professional engagement with credit bureaus and
creditors to challenge inaccuracies and advocate for the
removal of erroneous entries.
Specifications
•
• Drafting of legally compliant dispute letters.
• Persistent follow-ups with credit bureaus until the

resolution is achieved.
• Client updates at every stage of the process.
Debt Management
Price: [$299.99] setup fee + $49.99/month

A structured program designed to help clients manage,
reduce, and ultimately eliminate their debts.
Specifications
• Customized debt reduction plan based on client's

financial situation.
• Negotiations with creditors for reduced interest rates

or payment terms.
• Periodic reviews and adjustments to ensure optimal

progress.

Credit Counseling
Price: [$79.99] per session

Personalized sessions aimed at educating clients about
credit management, improving credit scores, and
maintaining good financial health.
Specifications
• One-on-one sessions with certified credit counselors.
• Comprehensive assessment of client's financial

situation.
• Education on credit principles, best practices, and

future strategies.
Additional Services
Mention if your credit repair company offers any additional services. You may include services
like credit monitoring, financial education, debt settlement, etc.

5.
Sales And Marketing
Strategies

Writing the sales and marketing strategies section means a list of strategies
you will use to attract and retain your clients.
Here are some key points to include in your marketing To unlock help try Upmetrics! 
plan:
• Define a unique selling proposition (USP).

 Help Tip  Credit Repairpricing
• Explain Business Plan
strategy.
• Marketing strategies.
To create an effective introduction for your "Sales and Marketing Strategies" chapter, start by
setting the stage within• your
Salesspecific
strategies.
industry or market.
• Customer retention.
Emphasize the competitive nature of your field and the importance of both quality services and
strategic marketing in this context.
Clearly state the objectives of your sales and marketing strategies, which should include
maximizing outreach, fostering engagement, and achieving sustained growth.
Unique Selling
Additionally, Proposition
mention (USP)or approaches you will employ, whether traditional
the specific techniques
or modern, to establish your brand as the preferred choice for your target audience. This
introduction provides a clear overview and prepares readers for the detailed strategies that
 Help tip
follow.  Credit Repair Business Plan
Define your business’s USPs depending on the market you serve, the equipment you use, and
the unique services you provide. Identifying USPs will help you plan your marketing strategies.

For example, fast results, customized services, or transparent pricing could be some of the
great USPs for a credit repair company.
Pricing Strategy
Describe your pricing strategy—how you plan to price your services and stay competitive in the
local market. You can mention any discounts you plan on offering to attract new customers.

Discuss your marketing strategies to market your services. You may include some of these
marketing strategies in your business plan—blog posts, creating educational content,
whitepapers, or other forms of content.
Marketing strategies
Online
Blog Posts Educational Content
 Regular blog posts on topics

related to credit repair, finance
 Offering free webinars, eBooks,
and video content that positions
management, and industry trends, [Credit Repair Solutions] as an
driving organic traffic to our authority in the credit repair niche.
website.
Whitepapers
 Publishing detailed whitepapers

highlighting industry research, case
studies, and client success stories.

Outline the strategies you’ll implement to maximize your sales. Your sales strategies may
include partnering with other businesses, consultations, etc.
Sales strategies
Partnerships Consultations
 Collaborating with local

businesses, especially those in the
 Offering free initial consultations,
where potential clients can get a
finance sector, to offer bundled glimpse of our service quality and
services or exclusive discounts. the tangible results they can
expect.
Describe your customer retention strategies and how you plan to execute them. For instance,
introducing personalized service, offering discounts, etc.
Customer retention
Personalized Service Loyalty Discounts
 Regular follow-ups post-service to

address any concerns and ensure
 Offering special discounts or
complementary services for
clients' credit health remains returning clients, further solidifying
optimal. our long-term relationships.

6.
Operations Plan

When writing the operations plan section, it’s important to consider the
various aspects of your business operations.

Here are the components to include in an operations plan:
• Describe the operational process.

 Help tip  Credit Repair Business
• Describe Plan chain.
your supply
• Customer satisfaction.
To create an effective introduction for your "Operational Plan" chapter, start by emphasizing the
pivotal role of efficient •operations
Equipmentin&the
Machinery.
success of your business, underscoring how they
directly impact the quality of services delivered.
Make it clear that operational excellence is crucial for fulfilling your commitments to customers
and
Start ensuring
writing optimal outcomes.
here..
Then, briefly outline what readers can expect in this chapter, mentioning key areas you'll cover
such as staffing, operational processes, and facilities.
Staffing & Training
This introduction sets the stage by highlighting the significance of operational planning and
piques the reader's interest in the detailed insights to come.
Mention your business’s staffing requirements, including the number of employees or customer
service representatives needed. Include their qualifications, the training required, and the duties
they will perform.
Operational Process
Outline the procedure the business will use to provide its clients with credit repair services.
It could involve an initial consultation, a review of your credit report, resolving any disputes, and
continuous credit monitoring.

Technology
Describe the technologies that the business will employ to efficiently provide its services.
It might include customer relationship management (CRM) programs, credit monitoring

software, and other tech solutions that facilitate operations and enhanceToservice
delivery.

7.
Management Team

The management team section provides an overview of the individuals
responsible for running your business plan.

This section should provide a detailed description of the experience and
qualifications of each manager, as well as their responsibilities and roles.
 Help tip  • Describe

Credit the role Plan
Repair Business and responsibilities of the Founders/CEO.
• List the core team.
To craft an introduction for your "Management Team" chapter, begin by emphasizing the crucial
• Describe organizational structure.
role of leadership in the success of any business.
• Compensation plan.
Highlight your company's commitment
• List to having a strong and dedicatedTo
Advisors/Consultants.
management team.
Showcase the diversity and expertise of your team members, illustrating how their varied
backgrounds
Start writing here..contribute to the overall strength of your organization.
Conclude by emphasizing the team's experience and how it positions your program as a leader
in your industry.
Key managers
This introduction will set the stage for readers to understand the significance and capabilities
of your management team, creating a positive impression as they delve into the details of each
 Help tip  and
team member's role
Credit Repair Business Plan
contributions in the subsequent sections.
Introduce your management and key members of your team, and explain their roles and
responsibilities.

It should include, key executives(e.g. COO, CMO.), senior management, and other department
managers (e.g. customer support manager.) involved in the credit repair business operations,
including
Start their education, professional background, and any relevant experience in the industry.
writing here..
JOHN DOE
Founder and CEO - [email protected]
John Doe is the visionary founder and CEO of [Credit Repair Solutions]. With a
strong background in financial services and credit repair, John has guided the
company from a start-up to a leading player in the industry.
His strategic foresight and unwavering commitment to customer satisfaction

are the driving forces behind the company's success.
• Education: John holds a Bachelor's degree in Finance from [University

Name].
• Professional Background: John has over 15 years of experience in the

credit repair industry, having worked with leading firms and amassed a
wealth of knowledge and expertise in the field.

JANE DOE
Chief Operating Officer (COO) - [email protected]
Jane Doe is the Chief Operating Officer at [Credit Repair Solutions]. Her role
involves overseeing the day-to-day operations, ensuring optimal performance
and customer satisfaction.
Jane brings a strategic perspective to the operational challenges and is

committed to driving the company towards its objectives.
• Education: Jane has a Bachelor's degree in Business Administration from

[University Name].
• Professional Background: With over 10 years of experience in operations

management, Jane has a proven track record of enhancing operational
efficiency and fostering a positive work environment.
ALICE BROWN
Chief Marketing Officer (CMO) - [email protected]
Alice Brown, the Chief Marketing Officer at [Credit Repair Solutions], is

responsible for steering the company's marketing strategies and brand
positioning.
Her innovative approach to marketing and deep understanding of customer

needs have significantly contributed to the company's market presence.
• Education: Alice holds a Master's degree in Marketing from [University

Name].
• Professional Background: With over 8 years of experience in marketing,

especially in the credit repair industry, Alice has a rich experience in
developing effective marketing campaigns that resonate with the target
audience.

ROBERT BROWN
Customer Support Manager - [email protected]
Robert Brown is the Customer Support Manager at [Credit Repair Solutions]. His
main role is to ensure that customers receive the highest level of service and
support.
Robert is dedicated to fostering a customer-centric culture within the team and

is always looking for ways to improve customer satisfaction.
• Education: Robert has a Bachelor's degree in Customer Relationship

Management from [University Name].
• Professional Background: With over 6 years of experience in customer

support and relationship management, Robert has developed strong
problem-solving skills and an empathetic approach to customer
interactions.
Organizational structure
Explain the organizational structure of your management team. Include the reporting line and
decision-making hierarchy.

Organization chart
John Doe
(Founder and
CEO)
Robert Brown James Smith

Jane Doe Alice Brown (Customer Support (CFO)
(COO) (CMO) Manager)
Mary Clark
(Operations
Assistant)
End of interactive chart.
Compensation plan
Describe your compensation plan for the management and staff. Include their salaries,
incentives, and other benefits.

Mentioning advisors or consultants in your business plans adds credibility to your business
idea.

So, if you have any advisors or consultants, include them with their names and brief information
consisting of roles and years of experience.
Advisors/Consultants
DR. EMMA WHITE

Financial Advisory Consultant
Dr. White, with her [20+] years of experience in finance and credit repair,
provides invaluable insights into financial planning and strategic growth.
MR. TOM GRAY

Regulatory and Compliance Consultant
With [15+] years under his belt, Mr. Gray advises on adherence to industry
regulations, ensuring [Credit Repair Solutions] always remains compliant.

8.
Financial Plan

When writing the financial plan section of a business plan, it’s important to provide a comprehensive overview of your financial
projections for the first few years of your business, You may provide the following:

• Introduction.
• Add startup costs (for new businesses).
• Profit & loss statement.
• Cash Flow Statement.
To create an effective introduction for your "Financial Plan" chapter, begin by stressing the critical role of a well-structured financial plan in the
• Balance sheet.
success of your venture.
• Break-even analysis.
• Sales
Emphasize how this plan as the foundation for sustainability and profitability while keeping your services affordableToand
forecast.
serves unlock help try Upmetrics! 
accessible.
• Financing needs.
Mention that the upcoming section will provide detailed insights into your projected financial statements, outlining revenue streams, expenses,
and the strategic path to financial stability.
This introduction will help your readers understand the significance of the financial plan and its alignment with your mission and goals, setting

theHelp tip
stage  Credit
for a deeper Repair Business Plan
exploration of your financial strategy.
Describe details such as projected revenue, operational costs, and service costs in your projected profit and loss statement. Make sure to include
your business’s expected net profit or loss.
Profit & loss statement
2023-24 2024-25 2025-26 2026-27 2027-28
Revenue $0 $0 $0 $0 $0

2023-24 2024-25 2025-26 2026-27 2027-28
Cost Of Sales $0 $0 $0 $0 $0
General Costs $0 $0 $0 $0 $0
Revenue Specific Costs $0 $0 $0 $0 $0
Personnel Costs (Direct

$0 $0 $0 $0 $0
Labor)
Gross Margin $0 $0 $0 $0 $0
Gross Margin (%) 0% 0% 0% 0% 0%
Operating Expense $0 $0 $0 $0 $0
Payroll Expense
$0 $0 $0 $0 $0
(Indirect Labor)
General Expense $0 $0 $0 $0 $0
Bad Debt $0 $0 $0 $0 $0
Amortization of Current
$0 $0 $0 $0 $0
Assets
EBITDA $0 $0 $0 $0 $0

2023-24 2024-25 2025-26 2026-27 2027-28
Additional Expense $0 $0 $0 $0 $0
Long Term
$0 $0 $0 $0 $0
Depreciation
Gain or loss from Sale

$0 $0 $0 $0 $0
of Assets
EBIT $0 $0 $0 $0 $0
Interest Expenses $0 $0 $0 $0 $0
EBT $0 $0 $0 $0 $0
Income Tax Expense $0 $0 $0 $0 $0
Total Expense $0 $0 $0 $0 $0
Net Income $0 $0 $0 $0 $0
Net Income (%) 0% 0% 0% 0% 0%
Retained Earning
$0 $0 $0 $0 $0
Opening
Owner's Distribution $0 $0 $0 $0 $0

2023-24 2024-25 2025-26 2026-27 2027-28
Retained Earning
$0 $0 $0 $0 $0
Closing
The cash flow for the first few years of your operation should be estimated and described in this section.
This may include billing invoices, payment receipts, loan payments, and any other cash flow statements.
Cash flow statement
2023-24 2024-25 2025-26 2026-27 2027-28
Cash Received $0 $0 $0 $0 $0
Cash Paid $0 $0 $0 $0 $0
COS & General Expenses $0 $0 $0 $0 $0
Salary & Wages $0 $0 $0 $0 $0
Interest $0 $0 $0 $0 $0
Sales Tax $0 $0 $0 $0 $0
Income Tax $0 $0 $0 $0 $0

2023-24 2024-25 2025-26 2026-27 2027-28
Net Cash From

$0 $0 $0 $0 $0
Operations
Assets Sell $0 $0 $0 $0 $0
Assets Purchase $0 $0 $0 $0 $0
Net Cash From

$0 $0 $0 $0 $0
Investments
Amount Received $0 $0 $0 $0 $0
Loan Received $0 $0 $0 $0 $0
Common Stock
Preferred Stock $0 $0 $0 $0 $0
Owner's Contribution $0 $0 $0 $0 $0
Amount Paid $0 $0 $0 $0 $0
Loan Capital $0 $0 $0 $0 $0
Dividends & Distributions $0 $0 $0 $0 $0
Net Cash From

$0 $0 $0 $0 $0
Financing

2023-24 2024-25 2025-26 2026-27 2027-28
Summary
Starting Cash $0 $0 $0 $0 $0
Cash In $0 $0 $0 $0 $0
Cash Out $0 $0 $0 $0 $0
Change in Cash $0 $0 $0 $0 $0
Ending Cash $0 $0 $0 $0 $0
Create a projected balance sheet documenting your credit repair business’s assets, liabilities, and equity.
Balance sheet
2023-24 2024-25 2025-26 2026-27 2027-28
Assets $0 $0 $0 $0 $0
Current Assets $0 $0 $0 $0 $0

2023-24 2024-25 2025-26 2026-27 2027-28
Cash $0 $0 $0 $0 $0
Accounts Receivable $0 $0 $0 $0 $0
Inventory $0 $0 $0 $0 $0
Other Current Assets $0 $0 $0 $0 $0
Long Term Assets $0 $0 $0 $0 $0
Gross Long Term Assets $0 $0 $0 $0 $0
Accumulated Depreciation $0 $0 $0 $0 $0
Liabilities & Equity $0 $0 $0 $0 $0
Liabilities $0 $0 $0 $0 $0
Current Liabilities $0 $0 $0 $0 $0
Accounts Payable $0 $0 $0 $0 $0
Income Tax Payable $0 $0 $0 $0 $0
Sales Tax Payable $0 $0 $0 $0 $0
Short Term Debt $0 $0 $0 $0 $0
Long Term Liabilities $0 $0 $0 $0 $0
Long Term Debt $0 $0 $0 $0 $0

2023-24 2024-25 2025-26 2026-27 2027-28
Equity $0 $0 $0 $0 $0
Paid-in Capital $0 $0 $0 $0 $0
Common Stock $0 $0 $0 $0 $0
Preferred Stock $0 $0 $0 $0 $0
Owner's Contribution $0 $0 $0 $0 $0
Retained Earnings $0 $0 $0 $0 $0
Check $0 $0 $0 $0 $0
Determine and mention your business’s break-even point—the point at which your business costs and revenue will be equal.
This exercise will help you understand how much revenue you need to generate to sustain or be profitable.
Break-even Analysis
2023-24 2024-25 2025-26 2026-27 2027-28
Starting Revenue $0 $0 $0 $0 $0

2023-24 2024-25 2025-26 2026-27 2027-28
Net Revenue $0 $0 $0 $0 $0
Closing Revenue $0 $0 $0 $0 $0
Starting Expense $0 $0 $0 $0 $0
Net Expense $0 $0 $0 $0 $0
Closing Expense $0 $0 $0 $0 $0
Is Break Even? 0 0 0 0 0
Break Even Month 0 0 0 0 0
Days Required 0 0 0 0 0
Break Even Revenue $0 $0 $0 $0 $0
Break Even Units

Financing needs
Calculate costs associated with starting a credit repair business, and estimate your financing needs and how much capital you need to raise to
operate your business.

Be specific about your short-term and long-term financing requirements, such as investment capital or loans.

9.
Appendix

When writing the appendix section, you should include any additional
information that supports the main content of your plan. This may include
financial statements, market research data, legal documents, and other
relevant information.
• Include a table of contents for the appendix section to make it easy for
readers to find specific information.
• Include financial statements such as income statements, balance
sheets, and cash flow statements. These should be up-to-date and
show your financial projections for at least the first three years of your
business.
• Provide market research data, such as statistics on the size of the
printing industry, consumer demographics, and trends in the industry.
• Include any legal documents such as permits, licenses, and contracts.
• Provide any additional documentation related to your business plans,
such as marketing materials, product brochures, and operational
procedures.
• Use clear headings and labels for each section of the appendix so that
readers can easily find the information they need.
Remember, the appendix section of your business plan should only include
relevant and important information that supports the main content of your
plan.

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Credit Repair

Marketing & sales strategies 8

Market size and growth potential 15

Sky Blue Credit 17

Products and Services 19

Credit Repairing Services 20

Credit Repair Business Plan | Business Plan 2023 2/50

Unique Selling Proposition (USP) 24

Staffing & Training 28

Mr. Tom Gray 35

Profit & loss statement 37

Cash flow statement 40

Credit Repair Business Plan | Business Plan 2023 3/50

Credit Repair Business Plan | Business Plan 2023 4/50

❛ Upmetrics has everything you need to create a

Financial Forecasting Tool

Business Plan Builder

Credit Repair Business Plan | Business Plan 2023 6/50

To unlock help try Upmetrics! 

 Help tip  • Introduction

• A brief explanation of market opportunity.

 Help tip  Credit Repair Business Plan

To unlock help try Upmetrics! 

Start writing here..

 Help tip  Credit Repair Business Plan

Start writing here..

Credit Repair Business Plan | Business Plan 2023 7/50

 Help tip  Credit Repair Business Plan

To unlock help try Upmetrics! 

Start writing here..

 Help tip  Credit Repair Business Plan

Start writing here..

Credit Repair Business Plan | Business Plan 2023 8/50

Units Sold Revenue

End of interactive chart.

Year 1 1,550 $10,000

Year 2 1,800 $12,000

Year 3 2,050 $14,000

 Help tip  Credit Repair Business Plan

To unlock help try Upmetrics! 

Write a call to action for your business plan.

Credit Repair Business Plan | Business Plan 2023 9/50

Credit Repair Business Plan | Business Plan 2023 10/50

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Credit Repair Business Plan | Business Plan 2023 11/50

 Help tip  Credit Repair Business Plan

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❛ Our mission at [Credit Repair Solutions] is to empower our clients

We are committed to providing personalized and results-driven

 Help tip  Credit Repair Business Plan

Start writing here..

Credit Repair Business Plan | Business Plan 2023 12/50

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Credit Repair Business Plan | Business Plan 2023 13/50

Credit Repair Business Plan | Business Plan 2023 14/50

Your market analysis should contain the following essential components:

 Help tip  • Target