What it is: a lender-ready Ambulance & NEMT business plan template in Word plus a 36-month Excel model. Who it’s for: U.S. founders pursuing licensure, Medicaid contracts, and SBA/bank financing who must show clinical operations and payer logic. What’s inside: clear sections (Executive Summary → Financials), startup costs for vehicles/monitors/communications, staffing ratios by unit type, CAD/dispatch notes, QA/credentialing, HIPAA considerations, and cash-flow with sensitivity tests. Why it wins: it uses lender/regulator language—unit economics, use-of-funds, break-even, and repayment comfort—mapped to real workflows (wheelchair, stretcher, BLS/ALS). Delivery: instant digital download—edit and export today.

Industry Snapshot (U.S.)

Demand follows hospital discharges, dialysis schedules, facility referrals, and managed-care routes. Margin drivers include payer mix, on-time performance, loaded miles, and crew utilization. Operators who publish clear inclusion criteria, no-load minimums, and credentialing standards reduce denials and speed contracting.

Classification/licensing: NAICS 621910 — Ambulance Services (Official NAICS page). Industry background (authoritative source): Medicaid — Non-Emergency Medical Transportation (NEMT).

What’s Inside the Plan

1) Executive Summary

Frames the service (NEMT + BLS/ALS) with target facilities, service area, and payer pathways. Shows use-of-funds for vehicles, stretchers/monitors, CAD/dispatch, QA/training, and working capital. Ties fleet hours and loaded miles to revenue so lenders can “see the movie.” Sets break-even horizon and 90-day launch milestones.

2) Market Overview

Quantifies demand from dialysis/clinic volume, hospital discharges, and long-term care facilities. Explains payer mix (Medicaid, Medicare, private) and how prior auth, medical necessity, and documentation affect denials. Maps competitors and the offer structure that wins first routes (on-time KPIs, dedicated windows, bundled pricing).

3) Products & Services

Details wheelchair vans, stretcher transports, interfacility transfers, event standby, and BLS/ALS coverage. Lists inclusions/exclusions and clinical/operational SLAs (response windows, loaded-mile billing, wait-time policies). Aligns order minimums and add-ons to route density and crew utilization.

4) Operations Plan

Outlines fleet specs, ePCR workflow, CAD/dispatch, and post-trip QA. Defines crew composition and staffing ratios by unit type, credentialing (CPR/EMT/paramedic), and incident reporting. Adds HIPAA handling, radio/cellular redundancy, maintenance intervals, and supply management to protect uptime and margin.

5) Marketing & Contracts

Covers facility outreach to case managers and schedulers, broker relationships, and geo-targeted search. Shows proof assets—on-time KPIs, complaint ratios, and credential rosters—that remove friction in RFPs. Explains rate cards (base, loaded mile, wait time) and how negotiated bundles improve predictability for facilities.

6) Management & Staffing

Defines owner roles, medical oversight, QA/training, and a hiring ladder that scales with booked routes. Documents background checks, drug screens, and driver/EMT competencies. Stages headcount to cash-flow to signal control and repayment comfort to lenders.

7) Financial Forecast (36 Months)

Builds revenue from trips × loaded miles × payer rates, with seasonality. Models COGS (fuel, maintenance, medical supplies), labor, and overhead; then rolls to margins, cash flow, and break-even. Sensitivity tabs (utilization/rates/denials) show repayment comfort even if routes shift.

Proof & Outcomes

Prompts on-time KPIs, complaint ratios, credential rosters, and ePCR compliance—proof points that reduce facility friction and support rate integrity.

How It Works

Download instantly, open the Word file, customize service lines, fleet, and staffing. Update the Excel assumptions (rates, loaded miles, utilization, labor) and export a clean PDF for lenders, facilities, or licensing packets.

Lender Checklist

Use-of-funds table, insurance/licensure, realistic assumptions with route density and staffing ratios, and a clear break-even horizon—so underwriters can move your file forward.