Home care business plan template with a fill-in financial section

By Scott McKenzie, founder of Home Care Agency Blueprint · Updated October 25, 2026

Write each section of your plan against prompts written for a home care agency, then enter your own costs, funding sources and hourly numbers in the financial section. The template adds up what you enter and shows the break-even hours your numbers imply. It has no sample figures and gives no score; it is a drafting tool, not a prediction.

Free. No signup. Runs in your browser; nothing you type is sent to us.

The template works on paper without JavaScript. Print this page and write your answers on the lines. With JavaScript on, you can type into each section, see your totals added up, and keep your draft in this browser.

Type into any section, in any order. Blank prompts stay blank in your printout and CSV.

1. Executive summary

A short overview a reader can absorb first. Many writers draft it last.

Business name and service area Legal or working name, and the city, county or area you will serve.

Your own planning

Your draft for Business name and service area

Mission One or two sentences on who you serve and why.

Source: SBA, Write your business plan

Your draft for Mission

What you offer, and to whom The home care services you will provide and the clients you plan to serve.

Source: SBA, Write your business plan

Your draft for What you offer, and to whom

Who runs it Owners and key people, and what each brings.

Source: SBA, Write your business plan

Your draft for Who runs it

Funding summary If you are asking for financing: how much, and what it will pay for. Use the totals from your financial section.

Source: SBA, Write your business plan

Your draft for Funding summary

2. Company description

What the agency is, the need it meets, and why it can compete.

Legal structure Sole proprietorship, LLC, partnership or corporation, as decided with your accountant or attorney.

Source: SBA, Choose a business structure

Your draft for Legal structure

The need you meet What families in your area struggle with that your agency solves.

Source: SBA, Write your business plan

Your draft for The need you meet

What sets you apart Your strengths: experience, relationships, a service niche, languages, location.

Source: SBA, Write your business plan

Your draft for What sets you apart

3. Market analysis

Evidence that clients exist where you plan to work, and what they already have to choose from.

Target clients Who needs care in your service area, and who usually pays for it.

Source: SBA, Market research and competitive analysis

Your draft for Target clients

Service area The cities, ZIP codes or counties you will cover, and why you chose them.

Source: SBA, Market research and competitive analysis

Your draft for Service area

Competitors Other agencies serving the same clients: their strengths, gaps and prices, from your own research.

Source: SBA, Market research and competitive analysis

Your draft for Competitors

Referral sources Hospitals, case managers, senior communities, elder law attorneys and others who could refer clients.

Your own planning

Your draft for Referral sources

4. Organization and management

Who owns the agency, who runs each part of it, and who advises you.

Owners and roles Each owner, their ownership share and their role.

Source: SBA, Write your business plan

Your draft for Owners and roles

Key staff at opening Administrator, care manager, scheduler: who fills each role, including you.

Source: SBA, Write your business plan

Your draft for Key staff at opening

Advisors Accountant, attorney, insurance agent, mentor.

Source: SBA, Local assistance

Your draft for Advisors

5. Services and licensing

What you will provide, what your state requires before you provide it, and who pays.

Services Each service you will offer, within what your license allows.

Your own planning

Your draft for Services

License or registration The license or registration, if any, your state requires for those services, and where you are in getting it. Check with your state licensing agency.

Your own planning

Your draft for License or registration

Who pays Private pay, long-term care insurance, Medicaid or other programs, and which you will accept at opening.

Your own planning

Your draft for Who pays

6. Marketing and sales

How clients will find you and how an inquiry becomes a client.

How clients find you The channels you will use: referral partners, search, community outreach, word of mouth.

Source: SBA, Write your business plan

Your draft for How clients find you

From first call to first visit Your intake steps: inquiry, assessment, care plan, agreement, first visit.

Source: SBA, Write your business plan

Your draft for From first call to first visit

Pricing approach How you will set rates from your market research and your costs. Enter the rate itself in the financial section.

Source: SBA, Market research and competitive analysis

Your draft for Pricing approach

7. Operations

How the work gets done safely and consistently once clients start.

Hiring and training caregivers Where you will recruit, how you will screen, and the training you will provide.

Your own planning

Your draft for Hiring and training caregivers

Scheduling, visit records and software How visits are scheduled, recorded and billed.

Your own planning

Your draft for Scheduling, visit records and software

Quality and compliance How you will supervise care, handle complaints and keep the records your state requires.

Your own planning

Your draft for Quality and compliance

8. Funding request

Only if you are asking for money: how much, what kind, and what it is for.

Amount and type How much you are requesting, and whether it is a loan (debt) or an investment (equity).

Source: SBA, Write your business plan

Your draft for Amount and type

Use of funds What the money will pay for, line by line, matching your financial section.

Source: SBA, Write your business plan

Your draft for Use of funds

Repayment or exit plan How you expect to repay the loan or return the investment, based on your projections.

Source: SBA, Write your business plan

Your draft for Repayment or exit plan

9. Financial assumptions

The story behind your numbers. Enter the numbers themselves in the financial section below.

Key assumptions Where each number comes from: written quotes, the startup cost calculator, your own research.

Source: SBA, Calculate your startup costs

Your draft for Key assumptions

Projections you will attach Which forecasts you attach (income statement, balance sheet, cash flow statement) and who prepared them.

Source: SBA, Write your business plan

Your draft for Projections you will attach

10. Appendix

Documents that back up what the plan says.

Supporting documents Resumes, license documents, quotes, leases, credit reports, letters of support.

Source: SBA, Write your business plan

Your draft for Supporting documents

11. Financial section: your numbers

Every amount starts blank. Enter your own figures from written quotes, the startup cost calculator and the cash-flow reserve calculator on homecarestartupcost.com, which is also published by Home Care Agency Blueprint. The template only adds up what you enter.

One-time startup costs

Source: SBA, Calculate your startup costs

Item	Amount	Where this number comes from
Licenses, permits and registration fees	Amount for Licenses, permits and registration fees	Where the amount for Licenses, permits and registration fees comes from
Insurance and bonding, first payments	Amount for Insurance and bonding, first payments	Where the amount for Insurance and bonding, first payments comes from
Legal and accounting setup	Amount for Legal and accounting setup	Where the amount for Legal and accounting setup comes from
Office deposit and setup	Amount for Office deposit and setup	Where the amount for Office deposit and setup comes from
Equipment, computers and supplies	Amount for Equipment, computers and supplies	Where the amount for Equipment, computers and supplies comes from
Software setup	Amount for Software setup	Where the amount for Software setup comes from
Website and opening marketing	Amount for Website and opening marketing	Where the amount for Website and opening marketing comes from
Hiring, background checks and training before opening	Amount for Hiring, background checks and training before opening	Where the amount for Hiring, background checks and training before opening comes from
Other one-time costs	Amount for Other one-time costs	Where the amount for Other one-time costs comes from
Total, one-time startup costs	—

Operating reserve

Your own planning

Item	Amount	Where this number comes from
Reserve you plan to hold until revenue covers costs (from your cash-flow plan)	Amount for Reserve you plan to hold until revenue covers costs (from your cash-flow plan)	Where the amount for Reserve you plan to hold until revenue covers costs (from your cash-flow plan) comes from
Total, operating reserve	—

Monthly fixed costs

Source: SBA, Calculate your startup costs

Item	Amount	Where this number comes from
Office rent and utilities	Amount for Office rent and utilities	Where the amount for Office rent and utilities comes from
Office and admin pay, including any owner pay	Amount for Office and admin pay, including any owner pay	Where the amount for Office and admin pay, including any owner pay comes from
Insurance, monthly share	Amount for Insurance, monthly share	Where the amount for Insurance, monthly share comes from
Software and phones	Amount for Software and phones	Where the amount for Software and phones comes from
Marketing	Amount for Marketing	Where the amount for Marketing comes from
Accounting, payroll service and legal	Amount for Accounting, payroll service and legal	Where the amount for Accounting, payroll service and legal comes from
Other fixed monthly costs	Amount for Other fixed monthly costs	Where the amount for Other fixed monthly costs comes from
Total, monthly fixed costs	—

Funding sources

Source: SBA, Fund your business

Item	Amount	Where this number comes from
Owner cash	Amount for Owner cash	Where the amount for Owner cash comes from
Loan requested	Amount for Loan requested	Where the amount for Loan requested comes from
Partner or investor money	Amount for Partner or investor money	Where the amount for Partner or investor money comes from
Other sources	Amount for Other sources	Where the amount for Other sources comes from
Total, funding sources	—

Per hour of care

Source: SBA, Calculate your startup costs

Item	Amount	Where this number comes from
Your hourly rate to clients	Amount for Your hourly rate to clients	Where the amount for Your hourly rate to clients comes from
Caregiver pay per hour, plus payroll taxes and workers’ compensation	Amount for Caregiver pay per hour, plus payroll taxes and workers’ compensation	Where the amount for Caregiver pay per hour, plus payroll taxes and workers’ compensation comes from
Other cost per hour of care, such as mileage or supplies	Amount for Other cost per hour of care, such as mileage or supplies	Where the amount for Other cost per hour of care, such as mileage or supplies comes from

How to use the template

Work in any order. Many people draft the market analysis and the numbers first and write the executive summary last, once they know what it should summarize. Leave a prompt blank rather than filling it with something you cannot back up.

Answer the prompts in each section in your own words, in any order.
Enter your own amounts in the financial section, with a note on where each one comes from.
Use the startup cost and cash-flow reserve calculators on homecarestartupcost.com for the cost and reserve figures.
Check that your funding request matches the totals in your financial section.
Print the plan or download a CSV, and attach the documents listed in your appendix.

How the totals work

The template adds the amounts you type in each group. Total funds needed is your one-time startup costs plus the operating reserve you plan to hold. It compares that with your funding sources. Break-even uses the SBA’s formula: fixed costs divided by the price per unit minus the variable cost per unit. Here the unit is one billed hour of care, so it is your monthly fixed costs divided by your hourly rate minus your cost per hour of care. It shows a dash until it has the numbers it needs, and it never fills in a number for you.

What the template does not do

It does not tell you what your agency will cost, what to charge, or whether a lender will approve you. Those depend on your state, your market, your choices and the lender. For cost figures, use the calculators on homecarestartupcost.com, which is also published by Home Care Agency Blueprint, and your own quotes.

Where your entries are stored

Your draft is saved only in this browser on this device so you can come back to it. It is never sent to us. Printing and CSV download happen on your device, CSV cells are protected against spreadsheet formulas, and Reset erases only this template’s saved draft.

Your lender sets the details. Each lender and loan program decides what it asks for and how it decides. The SBA says the lender will give you the full list of eligibility requirements for your loan. Ask each lender for its list before you finalize your plan, and confirm licensing questions with your state agency.

Frequently asked questions

Does the template include sample numbers?

No. Every amount starts blank, because sample numbers get copied into real plans. Use your own quotes and the startup cost calculator on homecarestartupcost.com, which is also published by Home Care Agency Blueprint.

Why is there no score?

A score would suggest a prediction we cannot make. The template shows how many sections and amounts you have filled in, and the totals of your own numbers.

Can I use the template for a home health agency?

The structure works for any business plan, but the prompts are written for non-medical home care. Home health agencies have different licensing and payer rules, so adapt the services, licensing and payer sections.

Want to talk through your options?

A free 15-minute clarity call with Home Care Agency Blueprint. It helps people start home care agencies, so expect that perspective. You do not need a finished plan first.

Book a free 15-minute clarity call