Stacking Capital | SBA Business Plan

Stacking Capital

SBA-Ready Business Plan | Prepared for Funding

1. Executive Summary

Stacking Capital, founded by CEO Patrick Pychynski, operates as a high-performance investment and capital management firm. The company has been active since 2021, formalized as a legal entity in August 2024 to reflect strategic partnerships. With consistent revenues of $50,000–$70,000 per month, Stacking Capital is targeting rapid expansion to $500,000/month within the next 24 months. The requested SBA-backed loan will provide working capital to scale operations, expand marketing, and strengthen infrastructure.

2. Company Description

Legal Entity: LLC (Formed August 2024)
Headquarters: [Insert City], [Insert State]
Website: www.stacking-capital.com
CEO: Patrick Pychynski

Stacking Capital specializes in providing modern investment solutions, capital stacking strategies, and funding pathways for growth-oriented clients. The firm combines financial expertise with a technology-driven approach to maximize investor ROI and business funding efficiency.

3. Market Analysis

Industry: Financial Services (NAICS 523930 – Investment Advice)
Target Market: Growth-stage entrepreneurs, small-to-mid sized businesses seeking capital, and accredited investors nationwide.

Demand for innovative funding solutions is rising, particularly among startups and SMEs facing tighter credit conditions. Stacking Capital fills this gap by offering structured investment strategies tailored to both businesses and investors.

4. Organization & Management

CEO: Patrick Pychynski – Over 10 years of entrepreneurial and financial experience. Leads strategic partnerships, growth, and investment strategy.

Future hires will include senior advisors, financial analysts, and compliance specialists as operations scale toward $500K/month targets.

5. Service or Product Line

Stacking Capital provides structured investment opportunities, advisory services, and capital management solutions. Unique value lies in blending high-yield investment vehicles with risk-managed capital stacking strategies, ensuring accessibility and scalability for clients.

6. Marketing & Sales Strategy

Channels: Digital campaigns, affiliate partnerships, direct investor relations, industry events.

Customer Acquisition: CAC is managed via digital funnels, educational webinars, and high-trust branding.

Retention: Transparent reporting, performance-based structures, and long-term client relationships.

7. Capitalization Requirements (Use of Funds)

Stacking Capital seeks an SBA-backed loan to scale to $500,000/month revenues.

CategoryAllocation
Marketing & Client Acquisition40%
Technology & Platform Development25%
Team Expansion (Analysts, Advisors)20%
Working Capital & Compliance15%
Marketing
Tech
Team
Working Capital

8. Financial Projections

YearRevenueGross MarginOperating ExpensesNet Profit
2024 (Actual)$720,00060%$350,000$82,000
2025$3,000,00062%$1,500,000$360,000
2026$6,000,00063%$2,800,000$980,000
Break-even: Month 11, Year 1
Sensitivity: Growth ±20%, Margin ±5pp

Appendices

Risk Factors & Mitigations

  • Market Volatility: Mitigated through diversification of capital strategies.
  • Regulatory Compliance: Mitigated via legal advisors and compliance officers.
  • Scaling Risk: Addressed through phased hiring and structured operational growth.

Assumptions

  • Revenue ramp assumes successful deployment of SBA loan funds.
  • Gross margin estimated at 60–63% based on service model.
  • Opex includes scaled staffing and compliance costs.

Document Checklist

  • Entity formation docs & EIN
  • Owner ID (Patrick Pychynski)
  • Business tax returns (if any)
  • Bank statements (3–6 months)
  • YTD P&L and Balance Sheet
  • Prior year financials
  • AR/AP aging (if applicable)
  • Lease/license copies
  • Insurance certificates
  • Cap table & org chart