Business Plan
Apotentia LLC - Disabled-Veteran-Owned Software Company
Prepared for SBA/VA Business Loan Review
Executive Summary
Legal Name: Apotentia LLC
DBA Names: Apotentia, Apotentia LLC
Legal Structure: Limited Liability Company (LLC)
State of Incorporation: Virginia (formed through ZenBusiness)
Owner: Eric Santiago (100% ownership, sole member)
Industry: Software Development & Digital Wellness Technology
Founded: 2024
Tax ID: On file (available upon request)
Veteran Status: Disabled-Veteran-Owned Business (DVOB)
Loan Purpose
Seeking SBA/VA business loan to accelerate development of flagship products (APO Recruit job board system, APO Thematic theme marketplace, and Gecker social platform), expand infrastructure, and position for sustainable growth while maintaining independence and user-first philosophy.
Company Overview
Apotentia LLC is a software development company building digital wellness tools and applications that prioritize mental health, user empowerment, and ethical software practices. The name "apotentia" (Latin: "without power") reflects our core philosophy of building software that serves users rather than exercising power over them.
Mission Statement
To develop innovative software solutions that empower individuals, promote healthier digital lives, and counter harmful online content—while maintaining complete independence from venture capital and investor influence.
Core Products in Development
- Gecker: Comprehensive social platform combining the best features of Reddit, Twitter, and Facebook into one unified experience with community-driven wellness tools. 100% free platform sustained by voluntary donations. Web platform (Laravel) in active development, iOS and Android apps planned for post-launch expansion.
- APO Recruit: Job board and applicant tracking system for Joomla, WordPress, and Laravel—managing hiring end-to-end from company websites
- APO Proposer: Modern proposal management platform built with Laravel and Vue.js—enabling teams to create, collaborate on, and win contracts with AI-powered proposals, e-signatures, real-time collaboration, and comprehensive analytics
- APO Thematic: Professional theme engine and marketplace for Joomla, WordPress, and Drupal—enabling users to browse, purchase, and install premium themes directly from their CMS admin panel
Market Position
We operate at the intersection of social media innovation, enterprise business software, and web development tools. Our product portfolio addresses four distinct markets: community-driven social networking (Gecker), job board and applicant tracking systems (APO Recruit), proposal and document management (APO Proposer), and premium CMS theming solutions (APO Thematic). Our veteran-owned status provides credibility with military recruitment offices while our 20 years of experience positions us to serve corporate, SMB, and consumer markets effectively.
Owner Qualifications
Technical Experience
20+ years in web development and software engineering
Veteran Status
U.S. Military Veteran - DD214 available upon request
Service-Connected Disability
70% disability rating - qualifies for DVOB programs
Domain Portfolio
61 registered domains with established online presence
Eric Santiago brings two decades of professional web development experience, including expertise in:
- Full-stack web development (PHP, JavaScript, modern frameworks)
- Database design and architecture
- Cloud infrastructure and deployment
- User experience and interface design
- Digital marketing and SEO
- Project management and technical leadership
Licensing & Certifications
No formal industry certifications are required for software development. Qualifications are demonstrated through 20 years of professional experience, deployed applications, and a portfolio of 61 active domain properties across 5 brand families (Apotentia, Gecker, Gekker, APO Recruit, APO Thematic).
Current Financial Position
Banking Information
Primary Business Account: Grasshopper Bank
- Innovator Business Checking: 1.00% APY (under $25K), 1.35% APY ($25K-$250K) — holds ~20% of cash reserves for operating expenses
- Innovator Money Market Savings: 1.55% APY (under $25K), 3.10% APY ($25K+) — holds ~80% of cash reserves for growth capital
Account Opened: November 15, 2025
Current Balance: $1,000 total (as of December 8, 2025)
- Innovator Business Checking: $500
- Innovator Money Market Savings: $500
Ongoing Capitalization: $400/month recurring contributions from founder ($200 per paycheck, twice monthly)
Projected Balance (6 months): $3,300 - $3,600 (starting balance + contributions + interest + product revenue)
Projected Balance (12 months): $5,700 - $6,600 (starting balance + contributions + interest + product revenue)
Projected Balance (24 months @ $25K threshold): Higher tier APY unlocks (3.10% savings, 1.35% checking)
Interest projections use current tier rates (1.55% savings, 1.00% checking, weighted average ~1.44% APY based on 80/20 split). Rates increase significantly at $25K+ balance threshold.
Assets
| Asset Category | Details | Estimated Value |
|---|---|---|
| Domain Portfolio | 61 registered domains across 5 brand families, various TLDs (.com, .org, .design, etc.) | $6,100 - $18,300 ($100-$300 per domain avg) |
| Intellectual Property | Source code: Gecker, APO Recruit, APO Proposer (~75% complete, 806 tests), APO Thematic (in development) | $160,000 - $525,000 (APO Proposer: $150K-500K valuation + others: $10K-25K) |
| Business Infrastructure | Hosting accounts, development tools, SSL certificates, business website | $2,000 - $5,000 |
| Bank Account Balances | Grasshopper Bank accounts ($500 checking + $500 savings) | $1,000 |
| Total Estimated Assets | $169,100 - $549,300 | |
Note on Domain Portfolio: The 61-domain portfolio includes premium names in software, wellness, and technology sectors, distributed across 5 brand families (Apotentia: 9 domains, Gecker: 22 domains, Gekker: 17 domains, APO Recruit: 6 domains, APO Thematic: 7 domains). Domains can be liquidated for working capital if needed, though holding them provides long-term strategic value for product launches and brand protection.
Liabilities
Currently debt-free. No outstanding business loans, liens, or obligations.
Credit Status: No bankruptcies or foreclosures. Not delinquent on any government debts.
Operating Expenses
| Expense Category | Details | Cost | Year 1 Cost |
|---|---|---|---|
| Gecker.com Hosting | 3-year hosting ($899.64) + backups ($90.00) Paid through 11/20/2027 |
$989.64 / 3 years | $329.88 |
| Apotentia.com Hosting | 3-year hosting plan Paid through 02/26/2027 |
$863.64 / 3 years | $287.88 |
| Claude Code (AI Development) | AI-assisted development tooling $200/month per user |
$200/user/month | $2,400.00 |
| GitHub (Code Repository) | Version control and code hosting Free tier |
$0 | $0.00 |
| Year 1 Total Operating Expenses | $3,017.76 | ||
5-Year Expense Projections (Two Funding Scenarios)
Founder salary: $7,500/month ($90,000/year). Base operating costs: $3,018/year. Sales tax: ~5% on taxable products (plugins/themes).
Path A: Self-Funded (Salary Starts Year 3)
Bootstrap years 1-2, take salary once revenue supports it.
| Year | Fixed | Sales Tax* | Total |
|---|---|---|---|
| Year 1 | $3,018 | $428 | $3,446 |
| Year 2 | $3,018 | $1,013 | $4,031 |
| Year 3 | $93,018 | $2,323 | $95,341 |
| Year 4 | $93,018 | $3,883 | $96,901 |
| Year 5 | $93,018 | $4,879 | $97,897 |
| 5-Year Total | $285,090 | $12,526 | $297,616 |
Path B: Loan-Funded (Salary from Year 1)
Loan covers salary from day one, enabling full-time focus.
| Year | Fixed | Sales Tax* | Total |
|---|---|---|---|
| Year 1 | $93,018 | $428 | $93,446 |
| Year 2 | $93,018 | $1,013 | $94,031 |
| Year 3 | $93,018 | $2,323 | $95,341 |
| Year 4 | $93,018 | $3,883 | $96,901 |
| Year 5 | $93,018 | $4,879 | $97,897 |
| 5-Year Total | $465,090 | $12,526 | $477,616 |
*Sales tax estimated at 5% on taxable products (APO Recruit plugins, APO Thematic themes). SaaS (APO Proposer) and donations (Gecker) exempt. Tax decreases as % of revenue as non-taxable SaaS grows.
Note: Fixed costs include hosting ($618) + Claude Code ($2,400) + salary when applicable ($90,000). Loan-funded path requires ~$180,000 loan to cover first 2 years of salary shortfall while revenue builds.
Revenue Projections & Cash Flow
12-Month Revenue Forecast (Conservative, Limited Marketing)
Assumptions: Organic growth only, 2-5% conversion rates (industry standard for freemium SaaS), minimal paid advertising, reliance on WordPress/Joomla marketplaces, direct sales, and SaaS platform growth.
| Quarter | Revenue Streams | Projected Revenue |
|---|---|---|
| Q1 2025 | Domain sales, consulting work, interest earnings (~$10) | $1,210 - $2,510 |
| Q2 2025 | APO Recruit initial sales (5-10 customers), consulting, interest (~$20) | $820 - $1,520 |
| Q3 2025 | APO Recruit growth (15-25 customers), initial Thematic sales, APO Proposer beta launch (3-5 customers), interest (~$30) | $2,370 - $4,130 |
| Q4 2025 | Gecker beta launch, continued plugin sales, APO Proposer growth (8-12 customers), interest (~$35) | $3,619 - $6,619 |
| Total Year 1 Revenue (including ~$95 interest) | $8,019 - $14,779 | |
Note: WordPress plugin marketplace is highly competitive (59,000+ free plugins). APO Proposer SaaS model provides more predictable recurring revenue than one-time plugin sales. Conservative estimates reflect typical new product performance without major marketing budget. Year 2-3 projections assume increased marketplace visibility, word-of-mouth growth, and SaaS customer retention rates of 80-90%.
Cash Flow & Interest Earnings Projections
Recurring Founder Contributions + Interest Earnings
Monthly Contributions: $400 ($200 per paycheck, twice monthly)
Account Strategy: 80% in Innovator Money Market Savings, 20% in Innovator Business Checking for operational liquidity
Tiered Interest Rates:
- Under $25K: 1.55% APY (savings), 1.00% APY (checking) — Weighted average: ~1.44% APY
- $25K+ balance: 3.10% APY (savings), 1.35% APY (checking) — Weighted average: ~2.75% APY
Note: Interest earnings accelerate significantly once balance crosses $25K threshold (estimated 18-24 months with conservative product revenue).
| Timeframe | Contributions | Interest Earned | Product Revenue | Total Balance |
|---|---|---|---|---|
| Starting Balance | — | — | — | $1,000 |
| Month 6 | $2,400 | ~$25 @ 1.44% APY | $400 - $800 | $3,825 - $4,225 |
| Year 1 | $4,800 | ~$60 @ 1.44% APY | $8,000 - $14,700 | $13,860 - $20,560 |
| Year 2 | $9,600 | ~$420 @ 1.44% APY (crosses $25K→2.75%) | $21,800 - $45,700 | $32,820 - $56,720 |
| Year 3 | $14,400 | ~$1,550 @ 2.75% APY | $61,600 - $124,200 | $78,550 - $141,150 |
| Year 4 | $19,200 | ~$3,400 @ 2.75% APY | $127,400 - $260,940 | $151,000 - $284,540 |
| Year 5 | $24,000 | ~$6,600 @ 2.75% APY | $226,000 - $424,480 | $257,600 - $456,080 |
Interest calculations use Grasshopper Bank Innovator account tiered rate structure: 1.44% weighted APY (under $25K), 2.75% weighted APY ($25K+), with 80/20 savings/checking allocation. Crossing the $25K threshold in Year 2 significantly increases interest earnings in Years 3-5. Actual interest compounds monthly.
Compare gross revenue against net after expenses for both funding paths.
Quarter-by-quarter account balance including contributions, interest, and net income/loss.
Self-Funded Year-End Balances
Start: $1,000 + $400/mo contributions + 1.44-2.75% APY (80/20 split)
| Year 1 | $10,420 - $17,207 |
| Year 2 | $33,327 - $64,497 |
| Year 3 | $4,862 - $100,150 |
| Year 4 | $40,469 - $273,340 |
| Year 5 | $175,794 - $615,604 |
Loan-Funded Year-End Balances
Start: $350,000 loan + 3% APY interest earnings
| Year 1 | $274,191 - $281,003 |
| Year 2 | $209,419 - $240,565 |
| Year 3 | $181,573 - $276,889 |
| Year 4 | $217,831 - $450,988 |
| Year 5 | $353,906 - $794,785 |
Self-funded uses Grasshopper Bank rates (1.44% under $25K, 2.75% at $25K+) with 80/20 savings/checking split. Loan-funded assumes 3% APY on $350K loan balance. Conservative shows slower revenue growth; Optimistic shows faster product adoption.
Revenue Model Breakdown
APO Recruit (Job Board & Applicant Tracking System) - Flagship Product
Product Type: Job board and applicant tracking system for Joomla, WordPress, and Laravel
Primary Market: Small to medium businesses, corporate HR departments, staffing agencies, nonprofit organizations
Total Addressable Market: 30+ million small businesses using WordPress/Joomla, thousands of staffing agencies, nonprofits, and corporate HR teams seeking self-hosted applicant tracking solutions
Pricing Model (Volume-based by annual applications)
- Starter: $59/year (1 site, <100 applications/year)
- Professional: $119/year (up to 5 sites, 100-500 applications/year)
- Business: $349/year (unlimited sites, 500-1,000 applications/year)
- Enterprise: Custom pricing (1,000+ applications/year, custom solutions)
Realistic Sales Projections (24 months, organic growth)
| Period | Customer Mix | Annual Revenue |
|---|---|---|
| Months 1-6 (Launch) | 5 Starter, 3 Professional | $652 |
| Months 7-12 | 12 Starter, 8 Professional, 2 Business | $2,358 |
| Months 13-18 | 25 Starter, 15 Professional, 8 Business, 1 Enterprise ($2K) | $7,052 |
| Months 19-24 | 40 Starter, 25 Professional, 15 Business, 3 Enterprise ($2.5K avg) | $15,335 |
| Year 2 Annual Recurring Revenue | ~$15,300 | |
| Year 3 Projection (With marketplace traction) | $35,000 - $60,000 | |
| Year 5 Target (With marketing investment) | $120,000 - $200,000 | |
Reality Check: WordPress plugin marketplace has 59,000+ free plugins. Most new plugins see slow initial adoption. These projections assume organic growth through WordPress.org/Joomla Extensions Directory listings, minimal marketing, and gradual word-of-mouth. Corporate HR and small business markets require time to penetrate through quality product and reputation building.
Gecker (Social Platform with Community Wellness Tools)
Target Market: Individuals seeking healthier social media experiences with community-driven content curation
Platform Type: Social network with collaborative moderation and wellness features
Platforms: Web (Laravel, Active Development), iOS and Android apps (planned post-web launch)
Revenue Model: 100% free platform, sustained by voluntary monthly donations (suggested minimum: $5/month)
Donation Benchmark: NPR sees 1-10% listener donations (digital: ~1-3%, traditional: ~8-10%). Conservative target: 0.5-2% of user base.
User Growth & Donation Projections
| Period | Total Users | Donors (0.5-2%) | Annual Revenue ($5/mo avg) |
|---|---|---|---|
| Year 1 (web only) | 500-1,000 | 3-20 (0.5-2%) | $180 - $1,200 |
| Year 2-3 (with mobile) | 3,000-8,000 | 15-160 (0.5-2%) | $900 - $9,600 |
| Year 4-5 (mobile established) | 15,000-40,000 | 75-800 (0.5-2%) | $4,500 - $48,000 |
| Conservative 5-Year Target (1% donation rate) | ~$15,000 ARR | ||
| Optimistic 5-Year Target (2% donation rate, larger base) | ~$48,000 ARR | ||
Note: Donation-based model similar to NPR, Wikipedia, public media. Social platforms require critical mass for value—user growth is primary goal, revenue secondary. Web launch validates concept before mobile investment. Donation rates typically lower than subscription conversion (NPR digital: 1-3%) but aligns with mission-driven, community-supported platform philosophy.
APO Thematic (Multi-CMS Theme Engine & Marketplace)
Product Type: Professional theme engine and marketplace for Joomla, WordPress, and Drupal
Target Market: Website owners, web designers, agencies, and developers across three major CMS platforms
Market Size: WordPress (43% of web, 800M sites) + Joomla (2.5%, 40M sites) + Drupal (1.5%, 20M sites) = Combined 860M+ addressable sites
Pricing Model (Revised 2025):
- Single Theme License: $29/year (one theme on one site at a time, switch anytime)
- Multisite Standard: $119/year (unlimited sites, one theme per site)
- Multisite Pro: $599/year (unlimited sites, multiple themes per domain)
- Custom Theme: $1,499/year (fully custom design, updates for 1 year)
- Exclusive Ownership: $4,999 one-time (own custom theme forever, never listed publicly)
Revised Year 1 Goal (Multi-CMS Launch): 15-30 Single + 5-10 Multisite Standard + 2-5 Multisite Pro + 1-2 Custom = $3,500 - $10,000 ARR
Year 2-3 Goal (WordPress Traction): 80-120 Single + 25-40 Multisite Standard + 8-15 Multisite Pro + 4-10 Custom = $15,000 - $35,000 ARR
Theme Library Strategy: Launch with 2 free themes (no credit card required) + 20-30 premium themes (10-15 unique designs with light/dark variants)
Note: WordPress expansion (30x larger market than Joomla) significantly increases revenue potential while maintaining lower development costs through unified theme framework. Drupal targets enterprise niche. Simultaneous three-platform launch leverages development efficiency. Revenue projections increased to reflect WordPress marketplace opportunity.
APO Proposer (Proposal Management SaaS Platform)
Product Type: Cloud-based proposal management platform (Laravel + Vue.js + Tailwind CSS)
Target Market: Freelancers, agencies, consultancies, sales teams, and enterprises managing business proposals and contracts
Market Size: $2.49B (2024) growing to $9.64B by 2034 (14.5% CAGR) - established market with proven demand
Development Status: ~75% complete (806 tests passing, 3,929 assertions) - MVP near production-ready
Competitive Position
Positioned against established players (PandaDoc $19-49/user/mo, Proposify $29-65/user/mo, Better Proposals $13-42/user/mo). APO Proposer offers competitive pricing with modern tech stack and comprehensive feature set.
Pricing Model (Per-user SaaS subscription)
- Starter: $15/user/month ($12 billed annually) - 5 active proposals/month, 10 templates, e-signatures, basic analytics
- Professional: $29/user/month ($24 billed annually) - Unlimited proposals, 50+ templates, real-time collaboration, CRM integrations, API access
- Business: $49/user/month ($39 billed annually) - Custom templates, advanced workflows, team analytics, all integrations, SSO, dedicated support
- Enterprise: Custom pricing - Unlimited everything, custom integrations, SLA, HIPAA compliance, onboarding & training
14-day free trial, no credit card required. 20% discount for annual billing.
Revenue Projections (Conservative SaaS Growth Model)
| Period | Customer Mix (Starter/Pro/Business) | MRR → ARR |
|---|---|---|
| Year 1 (MVP Launch) | 10/5/2 customers (avg 2 users each) | $528/mo → $6,336 ARR |
| Year 2 (Organic Growth) | 30/15/8 customers (avg 2.5 users) | $1,706/mo → $20,472 ARR |
| Year 3 (Traction) | 60/35/18 + 2 Enterprise ($500/mo) customers (avg 3 users) | $4,285/mo → $51,420 ARR |
| Year 4 (Growth) | 120/70/40 + 5 Enterprise ($750/mo avg) customers (avg 3.5 users) | $9,995/mo → $119,940 ARR |
| Year 5 (Established) | 200/120/70 + 10 Enterprise ($1K/mo avg) (avg 4 users) | $19,040/mo → $228,480 ARR |
Valuation Analysis (Pre-Revenue SaaS)
Current Stage: Late-stage MVP (~75% complete, production-ready within 3-6 months)
Estimated Valuation Range: $150,000 - $500,000
- Development Cost Method: ~1,500 hours invested @ $75-100/hr = $112K-150K (replacement cost)
- Discounted Cash Flow (5-year): Projected $228K ARR (Year 5) discounted to present value = $180K-250K
- Comparable SaaS Multiples: Pre-revenue SaaS typically valued at 0.5-2x projected Year 2 ARR = $10K-40K (low due to no revenue)
- Strategic Value Premium: Near-production-ready status, proven market ($2.49B TAM), established competitors validate demand = 2-3x development cost = $220K-450K
Conservative Valuation: $150,000 (reflecting pre-revenue status but recognizing substantial development completion and market validation)
Optimistic Valuation: $500,000 (if product achieves strong early traction in first 12 months post-launch with proven customer acquisition)
Note: Proposal management SaaS is a proven market with established players generating significant revenue. Unlike experimental products, this market has demonstrated customer willingness to pay $15-65/user/month. Key challenges are customer acquisition and competing against established brands. Conservative projections assume slow organic growth with minimal marketing budget. Actual performance could exceed projections with targeted marketing investment.
Additional Revenue Streams
- Domain sales and leasing
- Custom development consulting
- Support donations from mission-aligned individuals
- Custom enterprise solutions and integrations
Future Revenue Streams (Post-Certification)
- Federal government contracts (SDVOSB certification pending—SAM.gov and VETS Index processes require dedicated time)
- State/local government contracts (Virginia SWAM and state certifications pending)
- Grant funding (SBIR/STTR, veteran business grants—application preparation requires focused effort)
Note: Certification processes and grant applications are time-intensive and currently limited by side-business constraints. Loan funding would enable dedicated focus on these high-value opportunities.
Use of Loan Funds
SBA/VA loan funds will be allocated strategically to accelerate product development and establish sustainable operations:
| Category | Purpose | Allocation |
|---|---|---|
| Product Development | Complete APO Recruit & Gecker web MVPs, begin APO Thematic, plan mobile apps (iOS/Android for Gecker) | 40% |
| Infrastructure | Hosting, cloud services, development tools, security | 20% |
| Marketing & Sales | Website optimization, outreach, demo accounts | 15% |
| Legal & Compliance | Terms of service, privacy policies, contracts | 10% |
| Operating Capital | Working capital, emergency reserves | 15% |
Timeline to Profitability & Loan Repayment
Revenue Ramp-Up Period: 18-24 months (typical for SaaS with limited marketing)
Break-even target: 24-36 months post-launch (covering operating expenses + loan payments)
Loan repayment plan: Conservative payment structure to account for organic growth timeline. Early payments supplemented by consulting work and domain sales as needed.
Growth strategy: Bootstrap focus on product quality and marketplace reviews. Reinvest revenue into marketing only after achieving product-market fit. First hire at $50K+ ARR.
Realistic expectation: Most WordPress/Joomla plugins take 2-3 years to gain traction. Loan provides runway to build quality products and establish marketplace presence without rushing to profitability.
Growth Strategy & Market Opportunity
Competitive Advantages
- Veteran-owned status: Eligible for federal contracting preferences (certification process pending—requires dedicated time investment that loan would enable)
- Independent operation: No investor pressure allows focus on product quality and user needs over growth metrics
- Technical expertise: 20 years experience enables rapid, cost-effective development across multiple platforms (Joomla, WordPress, Laravel)
- Mission-driven: Clear values around user empowerment and ethical software attract mission-aligned customers
- Multi-platform capability: APO Recruit supports Joomla, WordPress, and Laravel - most competitors focus on single platform
- Underserved niches: Community-driven social media (Gecker) and Joomla theming (APO Thematic) have less competition than mainstream markets
- Self-hosted solutions: Privacy-focused organizations prefer self-hosted applicant tracking over cloud SaaS with data concerns
Market Validation
- WordPress and Joomla power 40%+ of all websites - massive addressable market for job board and theme products
- Job boards remain essential for hiring across all industries (corporate, nonprofit, small business, staffing agencies)
- Joomla theme market underserved compared to WordPress (opportunity for APO Thematic)
- Growing demand for social media alternatives with healthier community features (Gecker market)
- Self-hosted applicant tracking solutions appeal to privacy-conscious organizations
- SaaS subscription model provides predictable recurring revenue
Future Growth Opportunities (Post-Certification)
- Federal contracting: SDVOSB certification process underway (SAM.gov registration, VETS Index verification pending—requires focused time investment)
- State contracting programs: Virginia SWAM certification and state-specific veteran business programs (application processes require dedicated administrative time)
- Grant opportunities: SBIR/STTR grants, veteran business grants, technology development grants (competitive applications require significant preparation)
- Partnership with VBOCs: Veteran Business Outreach Centers provide certification guidance and contracting mentorship (engagement limited by current time constraints)
How This Loan Enables Growth: While Apotentia is currently operated as a side venture alongside full-time employment, loan funding would enable dedicated time for critical business development activities: completing federal/state certification processes, preparing competitive grant applications, and pursuing government contracting opportunities. These revenue channels could significantly accelerate loan repayment while establishing long-term sustainable income streams beyond commercial product sales.
Risk Mitigation
- Diversified revenue: Multiple products reduce dependency on single income source
- Low overhead: Sole proprietorship keeps operating costs minimal
- Established presence: 54-domain portfolio and apotentia.com provide brand foundation
- Veteran support networks: Access to VBOCs, veteran business resources, and mentorship
- Debt-only financing: No equity dilution means complete operational control
Supporting Documentation
The following documents are available upon request for loan application review:
Tax Documentation
Federal Tax ID (EIN)
Business formation documents
Personal tax returns (if required)
Veteran Status
DD Form 214 (Certificate of Release/Discharge)
VA disability rating documentation
Financial Records
Grasshopper Bank statements
Domain portfolio valuation
Current asset documentation
Business Operations
Domain registration records
Hosting and infrastructure receipts
Vendor contracts
Loan Officer Contact
For additional documentation, questions, or to schedule a meeting to discuss this business plan:
Contact: Contact Apotentia LLC
Website: apotentia.com
This business plan is prepared specifically for SBA/VA business loan review and may be updated as business conditions evolve.
Last updated: December 8, 2025