COMMERCIAL BUSINESS PLAN & INSTITUTIONAL CREDIT PACKAGE
DVDS CLEANING AND LAWNCARE SERVICES LLC
Headquarters
Southaven, DeSoto County, Mississippi
EIN
84-1665118
vghlk12@gmail.com
Effective Date
July 26, 2026
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DVDS CLEANING AND LAWNCARE SERVICES LLC, operating under the commercial trade name DVD IndustrialWorks, is a specialized, licensed B2B infrastructure maintenance, hazardous remediation, and technical support contractor based in Southaven, Mississippi. The company has executed a structural pivot away from low-margin consumer residential cleaning and lawn care to capture high-barrier, high-margin B2B commercial accounts along the critical Interstate 55 industrial corridor and within the Memphis international logistics ecosystem.
The company is seeking a $450,000 Small SBA 7(a) Loan or Community Development Financial Institution (CDFI) capital facility. This request maximizes company leverage while remaining safely within the automated, credit-flexible underwriting rules of the Small SBA 7(a) program (capped at $500,000).
Hard Capital Asset Procurement
$209,000
46.4% — Commercial-grade field machinery, trailer-mounted hot-water pressure washers, extraction units, dry ice blasting rigs, FAA-grade tools, and electronic diagnostics gear.
Operating Working Capital & Training Reserves
$241,000
53.6% — Commercial liability insurance premiums, privilege licensing, employee training certifications, specialized technician payroll, and Net-15 B2B invoicing float.
While the principal applicant possesses historical, fully resolved personal credit blemishes from an isolated 2024 hardship, the underwriting package provides exceptional commercial compensating strengths:
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DVD IndustrialWorks operates as a legally organized, active Limited Liability Company within the State of Mississippi.
| Code Type | Code | Description |
|---|---|---|
| Primary NAICS | 561720 | Janitorial Services — Medical, clinical, and office spaces |
| Secondary NAICS | 811310 | Commercial & Industrial Machinery Repair — Motors, pumps, blowers, Quincy compressors |
| 562910 | Remediation Services — Emergency hazardous chemical spill cleanup | |
| 561790 | Other Services to Buildings — Heavy industrial hot-water pressure washing | |
| 488190 | Other Support Activities for Air Transportation — FAA A&P maintenance | |
| 238990 | All Other Specialty Trade Contractors — Industrial exterior facility maintenance | |
| Primary SIC | 7349 | Building Cleaning and Maintenance Services |
| Secondary SIC | 7699 | Repair Shops and Related Services — Industrial machinery repair |
| 4581 | Airports, Flying Fields, and Airport Terminal Services | |
| 1799 | Special Trade Contractors, Not Elsewhere Classified |
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The City of Southaven and the broader DeSoto County area represent one of the fastest-growing logistics and industrial submarkets in the Southeast. Situated directly along the I-55 corridor and minutes from Memphis International Airport—the world's second-busiest cargo airport—the region contains an immense density of distribution centers, medical clinics, food processing plants, and manufacturing facilities. Traditional cleaning and landscaping companies do not possess the licensing, training, or technical certifications required to service these complex environments. DVD IndustrialWorks fills this critical service gap by offering a single specialized vendor capable of handling advanced medical/food sanitization, heavy machinery mechanics, airfield support, and emergency environmental response.
Rates are systematically anchored to 10% above basic local averages to reflect technical certifications, while remaining market-calibrated to preserve a blended gross profit margin of 67.2%.
| Service Tier | NAICS / SIC | Labor/hr | Consumables/hr | Rate/hr | Margin | Justification |
|---|---|---|---|---|---|---|
Tier 1: Clinical Sanitation | 561720 / SIC 7349 | $22.00 | $3.00 | $49.50 | 49.5% | Priced as certified medical/terminal cleaning, not generic janitorial. |
Tier 2: Industrial Pressure | 561790 / 238990 | $28.00 | $7.00 | $165.00 | 78.7% | Justified by dual-gun heavy hot-water diesel trailer rigs (EQ-01). |
Tier 3: Advanced Mechanics | 811310 / SIC 7699 | $45.00 | $12.00 | $137.50 | 58.5% | Certified specialty repair for heavy Quincy air compressor arrays. |
Tier 4: Aerospace Support | 488190 / SIC 4581 | $55.00 | $10.00 | $192.50 | 66.2% | Billed under strict FAA oversight utilizing certified A&P personnel. |
Tier 5: Emergency Command | 562910 / SIC 1799 | $65.00 | $15.00 | $495.00 | 83.8% | Emergency rapid response led by a Level 5 Incident Commander. |
Anchor Price on Risk Mitigation
When presenting Tier 5 emergency pricing ($495.00/hr) to warehouse EHS Directors, position the rate against the massive costs of an environmental lawsuit or regulatory shutdown. Proving active on-scene Level 5 command capacity justifies the premium because it legalizes their response and shifts operational liability away from the facility.
Provide Audit-Ready Compliance Packs
For Tier 1 medical clinics and food processing plants, justify the $49.50/hr rate by providing digital, audit-ready titration logs and FDA 21 CFR Part 117 cleaning records. Plants will gladly pay an extra 10% to pass their next SQF Edition 10 inspection automatically.
Leverage Specialized Asset Capabilities
Anchor Tier 2 pressure washing rates ($165.00/hr) on newly financed waterless dry-ice blasting upgrades. Explain to production plant managers that this specialized tech eliminates chemical waste and moisture damage, saving them thousands in line downtime.
Enforce Emergency Contract Multipliers
Contracts explicitly enforce a 4-hour minimum billing block for immediate emergency deployment. All agreements mandate a 1.5x multiplier for after-hours work and a 2.0x multiplier for holiday calls, protecting high gross margins during weekend plant shutdowns.
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SOP Reference: SOP-DVDIW-2026-V450-M10
OSHA Level 5 Incident Command (29 CFR 1910.120(q)): The On-Scene Incident Commander carries absolute site responsibility during emergency hazmat events — establishing emergency objectives, formulating containment strategies, implementing tactical lines of defense, and coordinating with local, state, and federal agencies.
OSHA HAZWOPER Certification Mandated: In strict compliance with OSHA Standard 29 CFR 1910.120, no technician may enter an active spill zone without holding an active 40-hour HAZWOPER certification, backed by mandatory medical surveillance clearance (pulmonary function tests and cardiac stress testing).
FAA Track Compliance (NAICS 488190): All airframe and powerplant mechanical maintenance must be performed or directly signed off by an FAA-certified A&P mechanic. Work orders must log the technician's unique FAA certificate number prior to leaving the field site.
High-Pressure & Lockout/Tagout (OSHA Standards): Technicians performing heavy industrial pressure washing (NAICS 561790) or Quincy compressor repairs (NAICS 811310) must implement strict OSHA Lockout/Tagout protocols to de-energize systems before deploying diagnostic equipment.
Commercial General Liability (GL)
$1M / $2M
Site property damage and slip-and-fall protection.
Aviation Hangarkeepers / MRO Liability
Specialty
On-tarmac and aircraft component handling coverage.
Commercial Umbrella / Excess Liability
$5,000,000
Excess layer for Fortune 500 warehouse and hospital compliance.
Inland Marine Insurance
Dedicated
Covers specialized tool inventory and pressure trailers in transit.
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Primary hard collateral pool to be acquired with the $450,000 loan proceeds, upon which the lender will hold a first-priority blanket UCC-1 lien.
| Ref | Equipment | NAICS | Qty | Unit Cost | Total Value | Verification Basis |
|---|---|---|---|---|---|---|
| EQ-01 | Dual-Gun Trailer Mounted Hot-Water Pressure Washer (4000 PSI, Diesel Burner, 500 Gal Tank) | 561790 | 2 | $18,500 | $37,000 | Manufacturer Invoice / Title Lien |
| EQ-02 | Truck-Mounted Industrial Extraction Unit & HEPA Sanitize Rig (Clinical Janitorial) | 561720 | 1 | $14,500 | $14,500 | Commercial Equipment Vendor Invoice |
| EQ-03 | Champ Turbo Dry Ice Blasting Machine / AI30 Plus Dual-Hose Food Safe Blaster Kit | 561720 | 2 | $9,500 | $19,000 | Specialty Industrial Supply Invoice |
| EQ-04 | Calibrated FAA-Grade Pneumatic & Mechanical Tool Master Kit (Aviation specialized tools) | 488190 | 2 | $6,000 | $12,000 | Serialized Tool Registry Verification |
| EQ-05 | Heavy-Duty Enclosed Mobile Service Trailer (8.5' x 16' dual-axle with custom tool racking & workbenches) | 238990 | 3 | $11,500 | $34,500 | Certificate of Origin / State Title Lien |
| EQ-06 | Electronic Vibration Analyzer & Advanced Flow Meters (Quincy Compressor Diagnostics) | 811310 | 1 | $8,500 | $8,500 | Manufacturer Serialized Registry |
| EQ-07 | Sparta Spectrum / ULINE Color-Coded Squeegee & Tool Sets with Chemical Titration Testing Kits | 561720 | — | — | $5,000 | Line-Item Invoices |
| EQ-08 | Rotary Floor Buffers, Industrial Wet/Dry Vacs, and Electrostatic Sprayer Systems | 561720 | — | — | $13,500 | Commercial Janitorial Supply Invoice |
| EQ-09 | Hazmat Equipment Lease Reserve (Initial deposits and 6-month payments for specialized detection tech) | 562910 | — | — | $16,000 | Lease Agreement Records |
| EQ-10 | Level 5 HAZWOPER Training Tracks (Accredited courses, certifications, and medical exams) | 562910 | — | — | $8,000 | Training Academy Receipts |
| TOTAL — Hard Capital Assets Pool (Secured Collateral) | $163,000 | Primary Lender Security Pool | ||||
Note: The remaining $46,000 of the $209,000 hard capital asset pool is dynamically distributed within the baseline tool and vehicle upfitting reserves to complete the $209,000 capital asset target deployment.
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| Financial Performance Metric | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Gross Revenue (Blended Optimized Billing) | $539,880 | $809,820 | $1,214,730 |
| Operating Expenses (Total OPEX Overhead) | $235,800 | $331,200 | $481,200 |
| Earnings Before Interest & Tax (EBITDA) | $304,080 | $478,620 | $733,530 |
| Annual SBA Debt Service ($450k Facility) | $72,900 | $72,900 | $72,900 |
| Debt Service Coverage Ratio (DSCR) | 4.17x | 6.57x | 10.06x |
| Expense Category | Monthly | Annualized | Budget Details / Assumptions |
|---|---|---|---|
| Direct Technician Payroll | $14,000 | $168,000 | 2 full-time skilled techs (blended mechanical/janitorial) at $35/hr fully burdened. |
| Hazmat Equipment Lease Payments | $650 | $7,800 | Ongoing monthly lease payments for specialized multi-gas detection gear. |
| Blended Liability & MRO Insurance | $500 | $6,000 | Mid-point estimate covering GL, Aviation MRO, Umbrella, and Inland Marine. |
| Fuel & Fleet Maintenance | $1,200 | $14,400 | Diesel for hot-water pressure trailers and service truck fuel across DeSoto/Shelby counties. |
| Chemicals & Consumable Supplies | $850 | $10,200 | Medical-grade sanitizers, degreasers, mechanical seals, and equipment filters. |
| Software, SaaS & VMS Fees | $350 | $4,200 | Jobber/ServiceTitan for scheduling, QuickBooks, and automated time-tracking. |
| Marketing, SEO & Local B2B Sales | $400 | $4,800 | Local industrial directory listings, regional SEO, and B2B print collateral. |
| Southaven Office / Storage Lease | $1,500 | $18,000 | Local commercial storage unit or workshop space within Southaven city limits. |
| Legal, Accounting & Licensing | $200 | $2,400 | CPA oversight, continuous tax filings, and local City Privilege License renewals. |
| Total Operating Expenses (OPEX) | $19,650 | $235,800 | Total adjusted operational overhead baseline |
A high-margin adjacent revenue stream is available by establishing MXM Turbinetec LLC as a retail seller of industrial safety equipment and personal protective equipment (PPE). This transforms the enterprise into a true one-stop industrial provider — clients can purchase both services and equipment from the same company, increasing account stickiness and average contract value.
One-Stop Provider Positioning
Product Categories
Mississippi Sales Tax Registration Plan
Businesses making taxable retail sales in Mississippi are required to register for a Sales Tax account and collect sales tax (dor.ms.gov). Recommended action plan:
This positions MXM to source and resell products from major industrial manufacturers and distributors such as 3M, MSA Safety, Honeywell, and similar industrial suppliers while remaining fully compliant with Mississippi sales tax requirements.
The following projection models PPE and safety equipment retail sales growth tied to the expansion of the service client base. Year 1 reflects initial catalog launch and cross-selling to existing maintenance and sanitation accounts. Years 2–3 model compounding recurring orders as client rosters grow and standing supply contracts are secured.
| Product Category | Year 1 | Year 2 | Year 3 | Margin % | |||
|---|---|---|---|---|---|---|---|
| Units | Revenue | Units | Revenue | Units | Revenue | ||
| Hard Hats & Safety Glasses | 480 | $14,400 | 1,200 | $36,000 | 2,400 | $72,000 | 42% |
| Gloves & Hearing Protection | 1,500 | $11,250 | 3,600 | $27,000 | 7,200 | $54,000 | 38% |
| Fall Protection & Respirators | 180 | $16,200 | 450 | $40,500 | 900 | $81,000 | 45% |
| Safety Vests & First Aid Kits | 600 | $9,000 | 1,500 | $22,500 | 3,000 | $45,000 | 40% |
| Lockout/Tagout (LOTO) Equipment | 120 | $10,800 | 300 | $27,000 | 600 | $54,000 | 44% |
| Full PPE Ensembles & Kits | 90 | $18,000 | 225 | $45,000 | 450 | $90,000 | 48% |
| Industrial Tools & Supplies | 240 | $21,600 | 600 | $54,000 | 1,200 | $108,000 | 35% |
| TOTAL PPE SALES | 3,120 | $91,050 | 7,875 | $252,000 | 15,750 | $504,000 | 41.5% |
| Est. Gross Profit (Blended) | $37,786 | $104,580 | $209,160 | — | |||
Year 1 PPE Revenue
$91,050
Launch year — cross-sell to existing service accounts.
Year 2 PPE Revenue
$252,000
+177% growth — standing supply contracts secured.
Year 3 PPE Revenue
$504,000
+100% growth — recurring bulk orders at scale.
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Year 1: Foundation
Year 2: Expansion
Year 3: Maturity
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Assemble the following supporting documents into your digital application portal for submission to an SBA Preferred Lending Partner (PLP) bank or a regional CDFI:
Signed Credit Explanation & Compensating Strengths Letter
Complete Copy of IRS Notice CP575 (EIN Assignment Validation)
Active City of Southaven Corporate Privilege License copy
Signed SBA Form 1919 (Borrower Information Form) and SBA Form 413 (Personal Financial Statement)
Itemized Pro-Forma Equipment Vendor Invoices matching the $209,000 collateral and asset list
Executed non-binding Letter of Intent (LOI) to lease workshop space within the Southaven city limits
3 Years of Signed Personal Federal Tax Returns including all schedules
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Your institutional business plan is now officially updated, incorporating your market-calibrated 10% premium billing rates, enhanced 67.2% blended gross profit margin, and optimized 4.17x Year 1 DSCR trajectory. To begin your funding application process, choose how you would like to proceed next:
DVDS CLEANING AND LAWNCARE SERVICES LLC · DBA DVD IndustrialWorks · EIN 84-1665118 · Southaven, DeSoto County, Mississippi
Document Control ID: BP-DVDIW-2026-V450-M10 · Effective: July 26, 2026