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Pizzeria Business Plan Template

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Pizza Shop Business Plan

Executive summary image

Starting a pizza shop is rewarding & daunting at the same time, because of the fierce competition and oversaturation.

Worry not, with proper planning & unique pizza styles, you can ace up your pizza shop.

Need help writing a business plan for your pizza shop? You’re at the right place. Our pizza shop business plan template will help you get started.

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Download our free business plan template now and pave the way to success. Let’s turn your vision into an actionable strategy!

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How to Write A Pizza Shop Business Plan?

Writing a pizza shop business plan is a crucial step toward the success of your business. Here are the key steps to consider when writing a business plan:

1. Executive Summary

An executive summary is the first section planned to offer an overview of the entire business plan. However, it is written after the entire business plan is ready and summarizes each section of your plan.

Here are a few key components to include in your executive summary:

Introduce your Business:

Start your executive summary by briefly introducing your business to your readers.

Market Opportunity:

Highlight the pizzas you offer your clients. The USPs and differentiators you offer are always a plus.

Marketing & Sales Strategies:

Financial highlights:, call to action:.

Ensure your executive summary is clear, concise, easy to understand, and jargon-free.

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2. Business Overview

The business overview section of your business plan offers detailed information about your business. The details you add will depend on how important they are to your business. Yet, business name, location, business history, and future goals are some of the foundational elements you must consider adding to this section:

Business Description:

Describe your business in this section by providing all the basic information:

Describe what kind of pizza shop you run and the name of it. You may specialize in one of the following pizza businesses:

  • Traditional Pizzeria
  • New York Style Pizzeria
  • Neapolitan Pizzeria
  • Gourmet Pizzeria
  • Fast-Casual Pizza Chain
  • Take-and-Bake Pizza Shop
  • Vegan or Plant-Based Pizza Shop
  • Mobile Pizza Truck
  • Gluten-Free Pizza Shop
  • Describe the legal structure of your pizza shop, whether it is a sole proprietorship, LLC, partnership, or others.
  • Explain where your business is located and why you selected the place.

Mission Statement:

Business history:.

If you’re an established pizza shop, briefly describe your business history, like—when it was founded, how it evolved over time, etc.

Future Goals:

This section should provide a thorough understanding of your business, its history, and its future plans. Keep this section engaging, precise, and to the point.

3. Market Analysis

The market analysis section of your business plan should offer a thorough understanding of the industry with the target market, competitors, and growth opportunities. You should include the following components in this section.

Target market:

Start this section by describing your target market. Define your ideal customer and explain what types of services they prefer. Creating a buyer persona will help you easily define your target market to your readers.

Market size and growth potential:

Describe your market size and growth potential and whether you will target a niche or a much broader market.

Competitive Analysis:

Market trends:.

Analyze emerging trends in the industry, such as technology disruptions, changes in customer behavior or preferences, etc. Explain how your business will cope with all the trends.

Regulatory Environment:

Here are a few tips for writing the market analysis section of your pizza shop business plan:

  • Conduct market research, industry reports, and surveys to gather data.
  • Provide specific and detailed information whenever possible.
  • Illustrate your points with charts and graphs.
  • Write your business plan keeping your target audience in mind.

4. Products And Services

The product and services section should describe the specific services and products that will be offered to customers. To write this section should include the following:

Mention your menu:

Mention the pizza shop menu your business will offer. This list may include:

  • Classic pizzas
  • Specialty pizzas
  • Pizza customization options
  • Sauces & sides

Pizza offerings:

Quality measures:.

This section should explain how you maintain quality standards and consistently provide the highest quality.

Additional Services:

In short, this section of your pizza shop plan must be informative, precise, and client-focused. By providing a clear and compelling description of your offerings, you can help potential investors and readers understand the value of your business.

5. Sales And Marketing Strategies

Writing the sales and marketing strategies section means a list of strategies you will use to attract and retain your clients. Here are some key elements to include in your sales & marketing plan:

Unique Selling Proposition (USP):

Define your business’s USPs depending on the market you serve, the equipment you use, and the unique services you provide. Identifying USPs will help you plan your marketing strategies.

Pricing Strategy:

Marketing strategies:, sales strategies:, customer retention:.

Overall, this section of your pizza restaurant business plan should focus on customer acquisition and retention.

Have a specific, realistic, and data-driven approach while planning sales and marketing strategies for your pizza shop, and be prepared to adapt or make strategic changes in your strategies based on feedback and results.

6. Operations Plan

The operations plan section of your business plan should outline the processes and procedures involved in your business operations, such as staffing requirements and operational processes. Here are a few components to add to your operations plan:

Staffing & Training:

Operational process:, equipment & machinery:.

Include the list of equipment and machinery required for a pizza shop, such as an oven, dough mixer, refrigerators, pizza press, food prep tools, etc.

Adding these components to your operations plan will help you lay out your business operations, which will eventually help you manage your business effectively.

7. Management Team

The management team section provides an overview of your pizza shop’s management team. This section should provide a detailed description of each manager’s experience and qualifications, as well as their responsibilities and roles.

Founders/CEO:

Key managers:.

Introduce your management and key members of your team, and explain their roles and responsibilities.

Organizational structure:

Compensation plan:, advisors/consultants:.

Mentioning advisors or consultants in your business plans adds credibility to your business idea.

This section should describe the key personnel for your pizza shop, highlighting how you have the perfect team to succeed.

8. Financial Plan

Your financial plan section should provide a summary of your business’s financial projections for the first few years. Here are some key elements to include in your financial plan:

Profit & loss statement:

Cash flow statement:, balance sheet:, break-even point:.

Determine and mention your business’s break-even point—the point at which your business costs and revenue will be equal.

Financing Needs:

Be realistic with your financial projections, and make sure you offer relevant information and evidence to support your estimates.

9. Appendix

The appendix section of your plan should include any additional information supporting your business plan’s main content, such as market research, legal documentation, financial statements, and other relevant information.

  • Add a table of contents for the appendix section to help readers easily find specific information or sections.
  • In addition to your financial statements, provide additional financial documents like tax returns, a list of assets within the business, credit history, and more. These statements must be the latest and offer financial projections for at least the first three or five years of business operations.
  • Provide data derived from market research, including stats about the industry, user demographics, and industry trends.
  • Include any legal documents such as permits, licenses, and contracts.
  • Include any additional documentation related to your business plan, such as product brochures, marketing materials, operational procedures, etc.

Use clear headings and labels for each section of the appendix so that readers can easily find the necessary information.

Remember, the appendix section of your pizzeria business plan should only include relevant and important information supporting your plan’s main content.

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This sample pizza shop business plan will provide an idea for writing a successful pizza shop plan, including all the essential components of your business.

After this, if you still need clarification about writing an investment-ready business plan to impress your audience, download our pizza shop business plan pdf .

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Frequently asked questions, why do you need a pizza shop business plan.

A business plan is an essential tool for anyone looking to start or run a successful pizza shop. It helps to get clarity in your business, secures funding, and identifies potential challenges while starting and growing your business.

Overall, a well-written plan can help you make informed decisions, which can contribute to the long-term success of your pizza shop.

How to get funding for your pizza shop?

There are several ways to get funding for your pizza shop, but self-funding is one of the most efficient and speedy funding options. Other options for funding are:

Small Business Administration (SBA) loan

Crowdfunding, angel investors.

Apart from all these options, there are small business grants available, check for the same in your location and you can apply for it.

Where to find business plan writers for your pizza shop?

There are many business plan writers available, but no one knows your business and ideas better than you, so we recommend you write your pizza shop business plan and outline your vision as you have in your mind.

What is the easiest way to write your pizza shop business plan?

A lot of research is necessary for writing a business plan, but you can write your plan most efficiently with the help of any pizza shop business plan example and edit it as per your need. You can also quickly finish your plan in just a few hours or less with the help of our business plan software .

About the Author

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Upmetrics Team

Upmetrics is the #1 business planning software that helps entrepreneurs and business owners create investment-ready business plans using AI. We regularly share business planning insights on our blog. Check out the Upmetrics blog for such interesting reads. Read more

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Download Pizza Shop Business Plan

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Pizza Business Plan Template

Written by Dave Lavinsky

Pizza Business Plan

You’ve come to the right place to create your Pizza business plan.

We have helped over 5,000 entrepreneurs and business owners create business plans and many have used them to start or grow their Pizza businesses.

Below is a template to help you create each section of your Pizza business plan.

Executive Summary

Business overview.

Papa Jack’s is a new pizza restaurant in the Cincinnati, Ohio area that will serve residents, businesses and local schools. The restaurant will primarily be a dine-in establishment, but will also offer delivery and pick-up. The pizzeria offers an extensive menu that includes pizza, sandwiches, pasta, salads, desserts, and drinks. All of our food is made from unique and authentic Italian recipes created by the founder himself.

Papa Jack’s is founded and run by Jack Russo. Jack has spent the past 15 years in the restaurant industry, working as a waiter, chef, and restaurant manager. His experience in the industry has given him the knowledge and skills needed to run all aspects of a pizza restaurant.

Product Offering

Papa Jack’s will offer a full menu of pizzas, salads, sandwiches, and desserts. Pizza selections include thin crust, pan and stuffed, while pasta options include all traditional Italian specialties like spaghetti and meatballs, fettuccine alfredo and lasagna. Sandwiches include Italian Beef, Sausage and Chicken Parmesan.

The restaurant is also available for private events and catering.

Customer Focus

Papa Jack’s will serve the residents and workers of Cincinnati, Ohio and the immediately surrounding areas. The area is home to thousands of families and students who are always looking for high-quality pizza restaurants. Cincinnati is also full of hard-working laborers who need high-quality dine-in and takeout options after a hard day of work.

Management Team

Papa Jack’s is founded and run by Jack Russo. Jack has worked in the restaurant industry for 15 years and is knowledgeable of the operations and standard procedures of running a restaurant. Jack is also a well-respected chef who has made thousands of pizzas and other Italian dishes throughout his career. After spending years working at other restaurants, Jack has decided to run his own pizza restaurant where he can sell pizzas made from his own unique and authentic recipes. Though Jack has experience managing a restaurant, he will hire other management staff to help him run Papa Jack’s.

Success Factors

Papa Jack’s will be able to achieve success by offering the following competitive advantages:

  • Location: Papa Jack’s location is near the center of town, giving us access to commuters going and leaving, local office workers, students and passersby. We also offer adequate parking making it easy for customers to patronize us.
  • Great pizza and service at an affordable price: The pizza restaurant will offer dine-in, home delivery and carry-out services, providing convenience to our customers and further extending our market reach.
  • Management: Our management team has years of business and marketing experience that allows us to market to and serve customers in a much more sophisticated manner than our competitors.
  • Relationships: Having lived in the community for 25 years, Jack Russo knows all of the local leaders, newspapers and other influencers. As such, it will be relatively easy for us to build branding and awareness of our restaurant.

Financial Highlights

Papa Jack’s is seeking a total funding of $400,000 to launch its pizza restaurant. The capital will be used for funding capital expenditures, salaries, marketing expenses, and working capital.

Specifically, these funds will be used as follows:

  • Restaurant design/build: $200,000
  • Equipment, supplies, and inventory: $50,000
  • Three months of overhead expenses (payroll, rent, utilities): $100,000
  • Marketing costs: $30,000
  • Working capital: $20,000

The following graph below outlines the pro forma financial projections for Papa Jack’s.

Papa Jack's Financial Projections

Company Overview

Who is papa jack’s, papa jack’s history.

Papa Jack’s was founded by Jack Russo. Jack has worked in the restaurant industry for 15 years and is ready to apply his experience and skills in his own pizza restaurant. His experience as a chef has helped him create an extensive menu made from his own unique and authentic recipes.

Jack incorporated Papa Jack’s on February 1st, 2023 and was able to achieve the following milestones since then:

  • Developed the company’s name, logo and website
  • Created the menu
  • Determined equipment and inventory requirements
  • Began recruiting key employees with experience in the restaurant industry

Papa Jack’s Services

Industry analysis.

The pizza industry has grown over the past five years due to rising consumer spending and changing preferences. Consumer spending is expected to increase an annualized 3.0%, as unemployment declines and economic conditions improve. As a result, the pizza industry has benefitted.

Changing consumer preferences have altered the industry over the past five years. Americans have become more concerned about their health and the food they eat, moving away from food high in fat, salt and sugar. Organic, locally grown and gourmet food has become more popular, and pizzerias are offering a greater array of flatbreads and whole-wheat and gluten-free crusts as a result. Consumers have also been indicating a preference for quick-service pizza shops, where pizza can be ordered online, rather than traditional, sit-down pizza restaurants.

The way operators use technology will also become increasingly important to the industry’s performance as consumers increasingly use their smartphones or tablets to order, expecting seamless internet interfaces that make it easy to customize pizza preferences.

Customer Analysis

Demographic profile of target market.

The following are the precise demographics of the Cincinnati area:

Customer Segmentation

Papa Jack’s will primarily target the following customer profiles:

  • Local workers

Competitive Analysis

Direct and indirect competitors.

Papa Jack’s will face competition from other companies with similar business profiles. A description of each competitor company is below.

Pizza Garden

Pizza Garden was founded in 1988 and opened its first franchise a year later. Pizza Garden has nearly 14,000 restaurants, about 60% of which are in the United States. Similar to its competitors, the company focuses on a franchise model, with over 90.0% of Pizza Garden restaurants operating under franchise or license agreements.

Pizza Garden’s menu features a range of pizzas, offering a variety of toppings suited to local preferences and tastes. Many Pizza Garden locations also offer pasta and chicken wings. Pizza Garden offers casual dine-in, delivery and carryout.

City Pizzeria

Founded in 1985, City Pizzeria is one of the largest pizza restaurant chains in the United States. The company operates and franchises pizza delivery and carryout. The company operates in all 50 states and in 34 countries.

City Pizzeria’s menu includes pizza, and other side items such as breadsticks, cheese sticks, chicken wings and desserts, all made of quality ingredients on a consistent basis. The company’s quality control center system takes advantage of volume purchasing of food and supplies and provides consistency in fresh dough production. The company’s marketing strategy has increasingly been focused towards online and digital marketing in response to increasing consumer use of online and mobile technology.

Checkers Pizza

Checkers Pizza has grown to over 14,800 company-owned and franchised locations worldwide since its founding in 1960. Checkers Pizza operates in all 50 states and has locations in more than 70 countries. Furthermore, it is the second-largest pizza company in the world. Checkers Pizza sales are primarily generated through its pizza delivery business. As a result, the company focuses on securing its position within the industry by providing convenient store locations and an efficient supply chain.

Checkers Pizza’s menu varies regionally, but is primarily focused on Italian-American entrees and side dishes. They recently added artisan-style pizzas and added handmade pan pizza to their menu. They also have pasta, chicken, bread bowls, desserts and oven-baked sandwiches.

Competitive Advantage

Papa Jack’s will be able to offer the following advantages over their competition:

Marketing Plan

Brand & value proposition.

Papa Jack’s will offer the unique value proposition to its clientele:

  • Moderate price point
  • Offering a convenient location that offers dine-in, delivery and carry-out options
  • Family-friendly environment
  • Providing excellent customer service

Promotions Strategy

The promotions strategy for Papa Jack’s is as follows:

Papa Jack’s will initially give free pizza samples to passersby to enable them to taste the quality of our products and learn about us.

Website/SEO

Papa Jack’s will develop a professional website that showcases pictures of our pizzas, drinks, and other food offerings. It will also invest in SEO so that the company’s website will appear at the top of search engine results.

Social Media

Jack Russo will create the company’s social media accounts and invest in ads on all social media platforms. These accounts will showcase pictures of the restaurant and popular items on the menu. The company will use targeted marketing to appeal to our target demographics.

Word of Mouth & Referrals

Papa Jack’s is confident that its existing loyal clients will spread the word and refer the pizzeria to residents who may not be familiar with it. The pizzas speak for themselves and word will quickly spread around town of the delicious pizza and food that Papa Jack’s has to offer.

The pricing of Papa Jack’s will be moderate and on par with competitors so customers feel they receive value when purchasing our pizzas and other food items.

Operations Plan

The operations plan for Papa Jack’s is relatively simple as its overhead and cost is small. The functional roles for its employees are as follows:

Operation Functions:

  • Jack Russo will be the Owner and Restaurant Manager of Papa Jack’s. He will oversee the general operations of the restaurant, help out with customer service, and help out in the kitchen.
  • Jack will hire an Assistant Manager to help him manage the staff and run the general operations of the restaurant.
  • Jack will also hire an Administrative Assistant to help out with the administrative and executive functions of the company.
  • As the restaurant grows, Jack will hire several waiters, chefs, and other staff to run the service functions of the pizzeria.

Milestones:

Papa Jack’s aims to open in the next six months. The following are the milestones needed in order to obtain this goal.

  • 3/202X – Finalize lease agreement
  • 4/202X – Begin interior design and construction
  • 5/202X – Social media and advertising campaign begins
  • 6/202X – Final walk-through of construction and build-out
  • 7/202X – Order and pre-stock inventory; hire key employees
  • 8/202X – Grand opening of Papa Jack’s

Financial Plan

Key revenue & costs.

Papa Jack’s revenues will come primarily from selling pizza, sandwiches, pasta, drinks, and other food items.

The major costs for the company will be food costs and salaries. In the initial years, the company’s marketing cost is expected to be high, as it establishes itself in the market.

Funding Requirements and Use of Funds

Key assumptions.

The following outlines the key assumptions required in order to achieve the revenue and cost numbers in the financials and pay off the startup business loan.

  • Year 5 : 110
  • Annual lease: $100,000
  • Average order value: $25

Financial Projections

Income statement, balance sheet, cash flow statement, pizza business plan faqs, what is a pizza business plan.

A pizza business plan is a plan to start and/or grow your pizza business. Among other things, it outlines your business concept, identifies your target customers, presents your marketing plan and details your financial projections.

You can easily complete your Pizza business plan using our Pizza Business Plan Template here .

What are the Main Types of Pizza Businesses?

There are a number of different kinds of pizza businesses , some examples include: Franchise Pizza Shop, Full Service Pizza Shop, and Quick Service Pizza Shop.

How Do You Get Funding for Your Pizza Business Plan?

Pizza businesses are often funded through small business loans. Personal savings, credit card financing and angel investors are also popular forms of funding.

What are the Steps To Start a Pizza Business?

Starting a pizza business can be an exciting endeavor. Having a clear roadmap of the steps to start a business will help you stay focused on your goals and get started faster.

1. Develop A Pizza Business Plan - The first step in starting a business is to create a detailed pizza business plan that outlines all aspects of the venture. This should include potential market size and target customers, the services or products you will offer, pricing strategies and a detailed financial forecast. 

2. Choose Your Legal Structure - It's important to select an appropriate legal entity for your pizza business. This could be a limited liability company (LLC), corporation, partnership, or sole proprietorship. Each type has its own benefits and drawbacks so it’s important to do research and choose wisely so that your pizza business is in compliance with local laws.

3. Register Your Pizza Business - Once you have chosen a legal structure, the next step is to register your pizza business with the government or state where you’re operating from. This includes obtaining licenses and permits as required by federal, state, and local laws.

4. Identify Financing Options - It’s likely that you’ll need some capital to start your pizza business, so take some time to identify what financing options are available such as bank loans, investor funding, grants, or crowdfunding platforms.

5. Choose a Location - Whether you plan on operating out of a physical location or not, you should always have an idea of where you’ll be based should it become necessary in the future as well as what kind of space would be suitable for your operations.

6. Hire Employees - There are several ways to find qualified employees including job boards like LinkedIn or Indeed as well as hiring agencies if needed – depending on what type of employees you need it might also be more effective to reach out directly through networking events.

7. Acquire Necessary Pizza Equipment & Supplies - In order to start your pizza business, you'll need to purchase all of the necessary equipment and supplies to run a successful operation. 

8. Market & Promote Your Business - Once you have all the necessary pieces in place, it’s time to start promoting and marketing your pizza business. This includes creating a website, utilizing social media platforms like Facebook or Twitter, and having an effective Search Engine Optimization (SEO) strategy. You should also consider traditional marketing techniques such as radio or print advertising.

Other Helpful Business Plan Templates

Franchise Business Plan Template Restaurant Business Plan Template Fast Food Business Plan Template

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Pizza Shop Business Plan Template

Pizza shop business plan.

If you want to start a pizza shop business or expand your current one, you need a business plan.

Over the past 20+ years, we have helped over 5,000 entrepreneurs and business owners create business plans to start and grow their pizza shops.

Below are links to each section of your pizza shop business plan template:

Next Section: Executive Summary >

Pizza Shop Business Plan FAQs

What is a pizza shop business plan.

A pizza shop business plan is a plan to start and/or grow your pizza shop business. A business plan provides details about your business concept, competition, target customers, presents your marketing plan and details your financial projections.

What Is the Easiest Way to Complete My Pizza Shop Business Plan?

Growthink's Ultimate Business Plan Template  allows you to quickly and easily complete your Pizza Shop Business Plan.

Why Do You Need a Business Plan for a Pizza Shop?

If you’re looking to start a pizza shop business, or grow your existing pizza shop business, you need a business plan. A business plan will illustrate your business goals and your strategy for reaching them. Your Pizza Shop Business Plan should be updated as your company grows and changes.

What Are the Sources of Funding for Pizzerias?

Pizza Shop businesses are usually funded through small business loans, personal savings, credit card financing and/or angel investors.

PIZZA SHOP BUSINESS PLAN OUTLINE

  • Pizza Shop Business Plan Home
  • 1. Executive Summary
  • 2. Company Overview
  • 3. Industry Analysis
  • 4. Customer Analysis
  • 5. Competitive Analysis
  • 6. Marketing Plan
  • 7. Operations Plan
  • 8. Management Team
  • 9. Financial Plan
  • 10. Appendix
  • Pizza Shop Business Plan Summary

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Pizzeria Business Plan Sample

Published Oct.04, 2013

Updated Apr.23, 2024

By: Brandi Marcene

Average rating 5 / 5. Vote count: 5

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Pizzeria Business Plan Sample

Table of Content

Introduction

Everyone loves pizza, but as with any business plans for pizzeria , passion alone will not make it a success. Starting a restaurant business is a high cost proposition, so the pizzeria business plan will need an in-depth financial section. The financial plan includes detailed information on the projected revenues and expenses, hourly labor costs, start-up capital expenses, equipment investments, and much more. A detailed personnel plan is required because a staff shortage can quickly hurt a pizzeria’s ability to provide quality and timely customer service. Many restaurants do fail, unfortunately, so banks and private investors will carefully analyze sales projections and break-even analysis in relationship to the targeted market and competition. As experienced investors, they can spot overly ambitious projections, so ensure your financial statements are well researched and realistic.

Executive Summary

Your executive summary is a broad overview of the business plan for a pizzeria  and should give the reader just enough information to make them want to read more.

For this reason, it is normally written last, using one or two lines from each of the other sections of the business plan for a pizzeria .

It’s important to grab the reader’s attention, so show your passion for the business plans for pizzeria and the market sector knowledge you have that will make it a success.

Company Overview and Description

Setting up your company correctly from the very beginning will pay dividends in the long run. This section is often the shortest in your business plan for a pizzeria , but very important.

Provide a brief summary of the whole company, and a short history for an existing company or the reason for forming the company if new business plans  for pizzeria .

Explain the type of business structure, such as a partnership or limited company, and who owns the company. Your pizza place business plan should also describe the physical location of your business plans for pizzeria and whether the premises are rented or bought.

The services section of your pizza parlor business plan should describe what you are offering your customers. Will the business plans for pizzeria be a restaurant only, takeout only or a combination of the two? Will you offer food delivery services ? Do you intend to expand the range of services in the future? Perhaps an online ordering system will make you stand out from the competitors?

Market Analysis

Knowing the local market is essential to your success and a business plan for a pizzeria  establishment must include detailed information on this.

What is your local competition and how will your business plans for pizzeria stand out from the crowd? Will your business have a unique selling point missed by the others?

Is the business plans for pizzeria restaurants in your area growing or shrinking? What is driving the market and how can you make sure your business thrives against the competition?

This section of your pizza takeaway business plan should describe the management structure within the company and give more information on the people holding important roles.

Describe who is in charge of marketing, sales, administration and other areas that require management. For the critical roles, give details of the persons experience in the business plans for pizzeria area, their qualifications and why they are suitable for the job. A copy of their CV can also be included along with details of their remuneration package.

This may seem excessive, but if your business plan for a pizzeria is being written to interest investors then a qualified management team is essential to your success.

Provide an organizational chart, showing top management right down to the staff making and selling the pizza.

Marketing plan

Information in this section should cover the 4 Ps of marketing: product, price, place and promotion. The 4 Ps cover what you are selling, the pricing structure, where you will sell your products from and how you contact your target market.

A business plan for a pizzeria will need to cover each of these aspects in detail to convince the reader that you know your target market and have a solid plan to make sure your customers find your business plans for pizzeria .

business plan for a pizzeria

Financial plan

If you need investors to provide start-up funding, then your pizzeria business plan must include key accounting reports showing the business viability.

The income statement or P&L gives an overview of your company’s income and expenses, showing the net income. For a new business plans for pizzeria , an estimation will need to be generated for the coming year.

The balance sheet is a snapshot of the financial position at a specific time and shows what you own, what is owed to you and what you owe to others.

Last, the cash flow statement covers a specific time period, such as a quarter, and your income and expenses during that period.

Taken together, the reports should persuade your investors that the company will make a profit.

Pizzeria Franchise Business Plan

Do you want to start a business that can take care of your passion for food as well? Well, if you are a baking enthusiast and possess a desire to build wealth and empire, launching pizzeria franchise can be the best startup choice for you.

Established in 1960, Pizzeria has been earning fame for its Italian foods, brick oven pizzas, and fresh, diced toppings. The restaurant holds millions of the market share and enjoys a good reputation among consumers from all walks of life. At present, pizzeria franchises are running in a few U.S. states. So, it has immense opportunities to explore in other parts of the U.S.

To enter this venture, first thing that you need to do is making a pizzeria franchise business plan. Like all other food franchise business plans, it should describe the executive and company summary, menu, operational plan to link with stakeholders, personnel plan, marketing plan and a detailed financial plan.

To assist you in making a business plan, this pizzeria franchise business plan sample will shed light on all these components by providing segments from original business plan for Pizzeria franchise startup in Atlanta.

This sample business plan pizzeria franchise will specifically outline the segments that were developed by professional business consultants. And that helped the franchise generate $30k per month in profits by the end of just first year of the launch.

In case you want to have an even deeper insight, you may visit restaurant franchise business plan sample for straw hat pizza franchise or dominos pizza franchise.

How to order writing business plan for a pizzeria

OGS Capital consultants are experts in the development of a variety of business plans for restaurant start-ups and expansions. If you are ready to prepare a business plan for a pizzeria  restaurant , simply complete the online contact form to get the process started.

Frequently asked questions of pizzeria

  • Are business plans for pizzeria for a start-up, franchise or expansion of existing business?
  • Does the pizzeria follow a dine-in, takeout, or delivery model or any combination of the three types of services?
  • How will the pizzeria brand itself to differentiate the business plans for pizzeria from the competition, i.e. upscale, local and friendly, family-oriented, healthy or organic ingredients, etc?
  • Who are the direct competitors? Are grocery stores indirect competitors?
  • What are the menu options and pricing? Will more than pizza be offered?
  • What suppliers will provide recipe ingredients and restaurant supplies‘? How will rising commodity prices be managed and controlled over the long-term?
  • Where will the pizzeria be located, and will the space be leased or the building purchased? ls there a floorpan?
  • Does the local market analysis show projected population growth providing the business new opportunities for future growth?
  • Does your pizza shop business plan should clearly indicate how much money is needed for start-up and pre-opening costs?
  • ls the specific target market segment identified, and what are the demographics of those who will be likely customers‘?
  • How much money will be invested in equipment, including ovens, stoves, drink machines, dining area furniture, etc.?
  • How will the pizzeria be marketed and advertised, and what promotions are planned to attract customers, i.e. special events, meal coupons and discounts, rotating menu, frequent buyer cards, etc?

Download example pizzeria business plan pdf

Professional writers OGS capital specialized also on theme such as business plan for a seafood restaurant , starting coffee roasting business , start a barbecue business , restaurant business plan , Indian restaurant business plan , food business plan and many other business plans.

OGSCapital’s team has assisted thousands of entrepreneurs with top-rate business plan development, consultancy and analysis. They’ve helped thousands of SME owners secure more than $1.5 billion in funding, and they can do the same for you.

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Executive Summary of a Pizzeria: Template & Example

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  • December 29, 2023
  • Business Plan , Executive Summary

the business plan template of a pizzeria

The executive summary is the most important section in a pizzeria business plan. It serves as a concise overview of the pizzeria’s concept, location, menu offerings, and service model, emphasizing its potential in a robust and evolving pizza market.

For the executive summary, we recommend using a 2-slide PowerPoint format. The first slide should detail the pizzeria’s strategic location, inviting facility, diverse menu, and its unique approach to service and customer experience. The second slide should focus on the expertise of the management team and the financial objectives of the business, presenting a comprehensive view of the pizzeria’s potential for success in the dynamic pizza industry.

the business plan template for a pizzeria

Pizzeria Business Plan

business plan template pizzeria

Fully editable 30+ slides Powerpoint presentation business plan template.

Download an expert-built 30+ slides Powerpoint business plan template

Executive Summary: Page 1

the executive summary slide of the business plan of a pizzeria (page 1)

Business Overview

The business overview should highlight the pizzeria’s concept and branding, focusing on how it combines authentic Italian dining with modern twists. Emphasize the strategic location, facility design, menu selection, and the service model that caters to both dine-in and online orders.

Example: “PizzaVivo,” located in the bustling Smithtown neighborhood, offers an authentic Italian dining experience. The pizzeria, with seating for 40 and an outdoor patio, features an open kitchen design for an interactive culinary experience. Its menu includes classic and innovative pizzas made with locally-sourced ingredients, along with appetizers and desserts, tailored to a range of dietary preferences.

Market Overview

This section should analyze the pizza industry’s size, growth, consumer trends, and the competitive landscape . It positions the pizzeria in the context of the market’s shift towards gourmet offerings, online convenience, and sustainability.

Example: PizzaVivo enters a U.S. pizza market valued at over $46 billion. The trend towards artisanal pizzas and dietary variety, coupled with the rise in online ordering, positions PizzaVivo well in a market dominated by carry-out and delivery sales. Despite competition from various pizzerias, PizzaVivo’s unique dining experience and high-quality food set it apart.

Executive Summary: Page 2

the executive summary slide of the business plan of a pizzeria (page 2)

Management Team

Detailing the management team’s experience and roles is crucial. This section should highlight how their background in culinary arts and restaurant management contributes to the pizzeria’s success.

Example: The Executive Chef and Co-Founder of PizzaVivo, with extensive experience in Italian cuisine, leads the culinary direction. The General Manager, also a Co-Founder, brings years of experience in restaurant management and operations, ensuring excellent customer service and business growth.

Financial Plan

This section outlines the pizzeria’s financial goals and projections, including revenue targets and profit margins, offering insight into its financial aspirations and health.

Example: PizzaVivo aims to achieve $1.5 million in annual revenue with an 18% EBITDA margin by 2028. This financial goal is underpinned by a focus on quality dining experiences, strategic marketing, and operational efficiency, positioning PizzaVivo for growth in the competitive pizza market.

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Pizza Business Plan Template [Updated 2024]

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Pizza Business Plan Template

If you want to start a Pizza business or expand your current pizza restaurant, you need a business plan.

The following Pizza business plan template gives you the key elements to include in a winning Pizza business plan.

You can download our Business Plan Template (including a full, customizable financial model) to your computer here.

Below are links to each of the key sections of a successful pizza business plan. Once you create your plan, download it to PDF to show banks and investors.

Pizzeria Business Plan Home I. Executive Summary II. Company Overview III. Industry Analysis IV. Customer Analysis V. Competitive Analysis VI. Marketing Plan VII. Operations Plan VIII. Management Team IX. Financial Plan

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Pizza Restaurant Business Plan Home I. Executive Summary II. Company Overview III. Industry Analysis IV. Customer Analysis V. Competitive Analysis VI. Marketing Plan VII. Operations Plan VIII. Management Team IX. Financial Plan

pizza business plan template

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Pizzeria Business Plan Template

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What You Get in Your Pizzeria Business Plan Package

  • A compelling & detailed pre-written Pizzeria business plan template in WORD
  • A full and automatic Pizzeria financial plan model in EXCEL you can easily customize
  • Text tailored to the Pizzeria business
  • The ability to paste advanced charts and tables within a click
  • No accounting or specialized financial knowledge needed
  • A truly cost-effective solution saving you time and money

Pizzeria Business Plan Package Description

business plan template pizzeria

Our Pizzeria business plan package includes a pre-written business plan in Word and an automatic financial plan in Excel tailored to the Pizzeria business. Spend only a few hours customizing the templates to exactly suit your project’s needs. With our ready-made Pizzeria business plan template and financials, you not only save tons of time and money but you also end up with an investor-grade, detailed and solid business plan that you can proudly share with investors and other potential partners and stakeholders.

Pizzeria Business Plan Document in Word

Our ready-made Pizzeria business plan template is in Word format and includes 24 pages. The document is divided into multiple sections. Each section contains the essential points that are necessary to effectively present your Pizzeria project. Each section and sub-section offer you a sample text that you can easily customize to make your business plan unique. Below is a small extract from your ready-made Pizzeria business plan in Word.

Pizzeria business plan sample in Word

Automatic Pizzeria Financial Plan in Excel

Our pre-populated financial model is in Excel format and includes multiples worksheets. You can easily edit the model’s inputs including changing costs and revenue assumptions to generate pro-forma financial forecasts including P&L, Cash flows and Balance Sheets. Below is a small extract from your automatic Pizzeria financial plan in Excel.

Pizzeria financial plan in Excel

This Ready-Made Pizzeria Business Plan is For

  • Entrepreneurs wishing to start a Pizzeria business
  • Aspiring Pizzeria owners who want to create a business plan fast and easy
  • F&B entrepreneurs who wish to pitch their project to investors
  • F&B professionals who wish to better understand the potential of the opportunity

Pizzeria business plan template

Immediate Delivery by Email

  • Once you complete the order, you will receive an email with links to download your documents
  • Your order will contain the full pre-written business plan in Word
  • Your order will contain the full customizable financial model in Excel

Your Pizzeria Business Plan Content

Executive Summary:  Our Pizzeria business plan template starts with a compelling Executive Summary. This key section is very important as it summarizes in 1 page your Pizzeria concept. It will introduce your business model, the key people behind the project as well as the unique selling proposition offered by your Pizzeria concept. This section will also mention how market conditions and consumer trends are favorable for launching your project.

The Problem Opportunity:  Next, your ready-made Pizzeria business plan will list a number of problems experienced by your prospects in your target market and will show how this presents a unique opportunity for your Pizzeria business. These can include issues such as lack of quality pizzerias in a certain location, low quality of pizzas offered by existing players, undifferentiated offering by current actors in the market…etc.

The Solution:  This section explains how your Pizzeria will take advantage of the current problems in the market and will detail your innovative solutions.

Mission & Vision:  Your mission will explain in a couple of sentences your Pizzeria’s business ethos. In other words, it will summarize your unique value proposition and will explain how you are different than the competition. Your vision will explain the long-term plans for your Pizzeria concept. Are you planning to start with one branch today and expand to a multi-branch business model? Are you looking to transform your Pizzeria business into a franchise model?…etc.

Business Model:  This section details your Pizzeria concept using the business model canvas method. In a visually appealing table, we will detail your Pizzeria’s key partners, activities, resources, value proposition, customer segments, customer relationship plan, marketing channels, cost structure and revenue streams.

Products & Services:  Next, we will talk in detail about your various products and services. We will describe your various menu items and pizza offering, starters…etc. We will also provide information about your pricing by menu item.

Market Analysis:  This important section describes the various market statistics and consumer trends in the pizza industry and explains how they support your own Pizzeria concept. The purpose of this section is to show that the market conditions are favorable for launching your new Pizzeria concept.

General Market Trends:  In this sub-section of the market analysis, we will discuss the latest general market trends in the pizza industry. We will look at the global industry size, growth rate, growth diving factors and consumer trends.

Local Market Trends:  This sub-section explains the local market trends that are relevant to your specific Pizzeria business.

Target Customers:  In this section, we will describe your various customer profiles by providing information about their demographics, behavior and purchasing habits.

Competitive Analysis:  We will analyze key competitors active in your target market and provide insights about their strengths and weaknesses.

Competitive Advantages:  After looking at the competitive landscape, we will then show how your pizza business is differentiating itself from the competition through a number of key advantages.

SWOT Analysis:  This section features a 4-quadrant table with explanations about how your Pizzeria intends to leverage its key strengths, mitigate weaknesses, capture opportunities and thwart any future threats.

Marketing Plan : This chapter provides detailed information about your go-to-market strategy. It includes a detailed action plan to help you build brand awareness and generate sales.

Branding & Awareness:  We will describe in this sub-section your choice of key marketing channels to build branding and awareness.

Customer Acquisition:  We will describe in this sub-section your choice of key marketing channels to acquire customers and increase sales.

Operating Plan:  This chapter provides information about your Pizzeria’s opening hours, internal processes and describes the interactions between various key departments and teams.

Management Team:  It is very important to present the key people behind your Pizzeria project and thus we have dedicated a section for this very purpose. It is also important to talk here about the founder’s vision, his past education and professional experience.

Hiring Plan:  No business can succeed without having on board the right team. This section lists all the key positions you plan to hire with information about their salaries and expected start dates.

Key Milestones:  To be able to launch and execute your Pizzeria project, you need to follow a set of actionable tasks with target deadlines. This section serves this purpose.

Financial Plan:  Without a robust financial plan, your Pizzeria business plan would be an incomplete document. This important section provides crucial information about your pro-forma financial projections and shows that you have really done your homework. The data mentioned in this and the following sections will be provided by the dynamic Excel financial model accompanying your Pizzeria business plan.

Projected Revenue:  This module shows your Pizzeria’s revenue projections over the next three years.

Projected Profit and Loss:  This module shows your Pizzeria’s income statement (also called profit and loss statement) over the next three years. Your income statement includes detailed projections about your sales and expenses and shows how your Pizzeria’s revenue is converted into a net profit.

Projected Cash Flows:  This module shows your Pizzeria’s cash flow projections over the next three years. The first year of operation is even detailed on a monthly basis. Your cash flow statement will detail the various cash inflows your Pizzeria will generate from its day to day operations and from funding sources, as well as the various cash outflows required to pay for operating expenses and business investments.

Projected Balance Sheet : This module shows your Pizzeria’s balance sheet projections over the next three years. The balance sheet will provide a summary of your Pizzeria’s short term and long term assets in addition to your short term and long term liabilities and capital.

Profitability Analysis:  In this section, we will provide information about your gross margin, net margin and discuss the profitability of your Pizzeria business.

Funding Requirement:  This module states the amount of funding your need to be able to comfortably launch your Pizzeria business. It also describes the planned allocation of the funds between Opex and Capex.

Conclusion : Finally, we will conclude your business plan by recapitulating the key points that make your Pizzeria project compelling and reiterate the rationale behind your business opportunity.

Why Use our Ready-Made Pizzeria Business Plan?

  • Speed & Convenience:  Once you complete your order, you will receive the Pizzeria business plan directly in your mailbox. Since it is already pre-written with fully customizable financials, you will only need to spend a couple of hours to edit it and adapt it to your own Pizzeria project.
  • High Quality:  Your Pizzeria business plan has been written by our professional team of business plan writers and experts from the F&B industry. You will receive a professional Pizzeria business plan template ideal for presenting to potential investors or banks.
  • Low-Cost:  Our pre-written Pizzeria business plan template is the most cost-effective solution in case you need to build a solid and professional Pizzeria business plan. We are confident you will save hundreds if not thousands of dollars by ordering our premium business plan compared to hiring a consultant or subscribing to complicated and expensive software.

If you have any question regarding our ready-made Pizzeria business plan package,  do not hesitate to contact us , we are here to help.

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Two Things to Include in Your Business Plan That Your Template Doesn't Have

E ach year literally hundreds of thousands of entrepreneurs and business owners will develop a business plan. Most will incorporate the 10 key sections most business plan templates include. But even then, most miss two ingredients that are crucial, particularly if you are seeking outside funding for your plan.

Let's go through these two items so you don’t fall victim to this mistake.

1. Be sure to cite past accomplishments in your business plan

Lenders and investors are making a bet when they fund your company. They are betting you will have future success. And if they are correct, they will earn a healthy return. So, what is the best indicator to someone you will have future success? The answer is past success.

Past successes are so powerful that many multimillion dollar checks have been written to Silicon Valley entrepreneurs who don’t even have a firm idea. That’s because if you’re an entrepreneur who has sold or taken multiple companies public, investors know the chances are high you’ll do it again; they will fund whatever venture you conceive.

Because past successes are the best indicators of future successes, be sure to document all past successes in your business plan . For established companies, think about the difference between your company when it started and where it stands now. Then document all the positive changes that have occurred such as:

  • Sales milestones you’ve reached
  • Hiring milestones (e.g., hiring your first, fifth, twentieth or even hundredth employee)
  • Partnership agreements you’ve signed
  • Customer relationships you’ve secured
  • Products you’ve developed or patented
  • Marketing campaigns you’ve launched

Importantly, even if you’re a startup, you’ve accomplished goals both in your career and in your new business. With regards to the new business, maybe you’ve:

  • Signed a lease
  • Secured a partnership
  • Forged an agreement with a customer
  • Hired an employee
  • Built an advisory board or found a mentor
  • Conceived a unique business name
  • Built a website

Essentially, every key goal you’ve accomplished should be listed in your business plan as each will lend credibility that you’ll be successful going forward.

2. Document why you’re uniquely qualified to succeed

Many entrepreneurs get hung up on not telling their business ideas to others since they think doing so will ruin the success of their business opportunity. Rarely is this the case, and if it is, it’s only when the idea is a completely new concept for which you can be the first mover.

But, if you’re not the first mover on a new concept, you’re only going to be successful if your company has unique qualifications. For example, let’s say you have an idea to open a pizza shop in your town. The question to ask then is why are you uniquely qualified to run a successful pizza shop. Here are some potential answers:

  • You have 15 years experience running a pizza shop.
  • You have relationships with equipment suppliers who can get you great equipment at below market prices.
  • You have secret recipes that allow you to make high-quality pizza.
  • You have relationships with product suppliers that your competitors don’t, allowing you to offer products competitors can’t.
  • You have 10 years of social media marketing experience that will allow you to effectively promote your pizza shop.
  • You have 12 years experience managing a team of retail employees and maximizing their productivity.

A good way to think about your unique qualifications is to ask yourself what would happen if someone launched a pizza shop next to yours. Would you or your new competitor win the battle? The winner would depend on the unique qualifications of you and your competitor.

If you don’t have unique qualifications now, use this exercise to figure out what you must do to gain them. For example, maybe you need to hire a new employee or consultant to give you unique qualifications. Or maybe you need to create and sign exclusive agreements with vendors, partners, or customers so once you secure them your competitors can’t.

Citing your past accomplishments and making sure your company is uniquely qualified to succeed are sure to vastly improve the chances your business plan successfully raises outside funding. And the process of identifying accomplishments and unique qualifications will get you thinking about how you can build the company of your dreams.

So start doing this today.

RELATED: Write a Winning Business Plan

Two Things to Include in Your Business Plan That Your Template Doesn't Have

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MOBI Business Plan Template

The primary value of your business plan is to create a written resource that evaluates most aspects of your new business including a description of your target customers and markets, profitability, organization, operations and more. The very process of writing your business plan helps you put your ideas on paper so you can evaluate what resources you have and what you need to be successful.

Your business plan is your blueprint for starting your business, your script to tell the story of your business to others, and your comprehensive analysis of the opportunity for your business. Business plans help you plan your roadmap, state your goals, share your vision, and analyze your strategy. A business plan is an important and valuable tool for new as well as existing businesses.

This MOBI Business Plan Template consists of sections that relate to the content included in the MOBI Starting a Business course . You can also use this template as a guide independently. We have created this template with the input of key stakeholders such as economic development agencies, lenders, mentors and successful entrepreneurs. You can complete sections of the business plan as you go through the course, to apply what you are learning along the way, or you can wait until you have completed the course. This business plan template is a universal model suitable for most types of business, which you can customize to fit your circumstances. MOBI provides leading topics, questions, and suggestions in each section to guide you. Here are some instructions to help you get started:

  • On the cover page replace the MOBI spark with your own logo and provide your business name, personal name, contact information, and date.
  • Complete each section leaving the main title, such as “Executive Summary,” and using the subtitles and questions as a guideline. Replace those subtitles and questions with the needed and relevant information. If some of the subtitles work with your format, you can keep them. You can type directly over the provided content or delete it as you complete it.
  • You might want to start each section on a new page, which can also be helpful if you decide to include a Table of Contents.

Once you complete your business plan, be sure that key stakeholders review it. Business plans are not static; they will change as your business and the business environment change around you. It’s important to continually review and update your business plan to adjust for these changes.

BUSINESS PLAN

Enter Your Business Name

Enter Your Name

 Enter Date

Contact Information

Executive Summary Provide a summary of your business by addressing these key areas.

Name and Description of Business State the name of your business and describe your product or service.

Targeted Market and Customers Describe your target markets and customers and why they want or need your product or service.    

Trends in this Industry What are the current trends in the industry that make this a good time for your product or service? For example, is the market for your product growing, and why? Have others failed to address a particular need that your product or service will address?  

Value Proposition Provide a brief statement of the unique benefits and value your business will deliver to your customers. Describe the unique qualities of your product or service that will enable you to be profitable.

The Vision  Describe the vision of your business and why you are committed to pursuing this vision and making it successful. 

Founder Background: Work/life experience related to the intended business Describe your work/life experience, educational credentials, and how they are related to the business you plan to start. Include a list of your skills and knowledge, which will be required in your business. 

Your Team If you plan to hire full- or part-time employees or seek business partners, describe your plan for engaging with these other members of your team. If you already have employees or partners, describe key personnel and their roles here. 

Goals for business: Outline your key goals for your business. (Explain your plans for growing the business and what you can realistically accomplish in a defined period of time.)

Financing and Financial Projections ( Many business owners require the assistance of a bookkeeper or accountant when completing this section.)

Startup Capital Provide a table or spreadsheet showing the sources of your startup capital including what you or other investors will contribute and what you intend to borrow.  Create a list of what the startup capital will be used for and how much will be left over for working capital ( SCORE Startup Expenses Template ).

Accounting Statements Prepare your starting balance sheet and projected profit and loss (income) statements for the first three years. (By month for the first year and then by year for years two and three.) Forecast your month-to-month cash flow requirements for the first year.  

Analysis of Costs List and explain the key costs and profit margins that are important for your business.  Classify your costs as fixed, variable, product, delivery, etc. 

Break-Even Analysis Based on your costs and pricing strategy, prepare a break-even analysis.

Internal Controls Explain your internal and cash controls. For instance, check signing policy, strategy for controlling shrinkage, and control of incoming merchandise or supplies.

Business Organization

Business Organization Explain the form of business organization you intend to use and why it is best for your business (sole proprietorship, partnership, LLC, etc.).

Professional Consultants List the names of your key advisors: bookkeeper/accountant, consultants, lawyer, insurance agent, and any other professionals.   

Business Location

If you need a physical location other than your home to operate your business, identify your business space needs considering all phases of your workflow (production, storage, shipping, potential employees, customer meetings, and future requirements). Explain why the location you picked meets your workflow needs.

Marketing and Sales

Market Research: Your Customers and Competition Describe your ideal customer (who will be purchasing your product/service, key characteristics).

  • Include any research that has helped you identify and characterize your target customer.

Describe your position in the market, your strongest competitors, and how you intend to compete. 

  

Marketing Strategy and Tools Describe your overall marketing strategy, how you will find, engage, and build customers, including:

  • Traditional marketing tools (signage, storefront, collateral, advertising, promotion, uniforms,  mail, etc.).
  • Online marketing (website, social media, email marketing, text marketing, others).
  • Ecommerce (if applicable).
  • Describe in detail how you plan to sell your products or services online.
  • Describe how your best competitors utilize ecommerce and your strategy to improve on their practices.
  • Research and identify the different channels where you will sell your product or services. What is your expectation of sales?
  • Detail how will you take orders, process payments, and fulfill requests? 
  • Provide a detailed breakdown of the costs involved in creating, operating, and maintaining your ecommerce activities.

Sales Strategy Describe your sales process, activities you will conduct, obstacles you expect, how you will overcome them, and any customer service strategies to retain and expand your customer base.

Include k ey details about how you will operate your business.

  • Outline the workflow of your business and the processes and procedures you will put into place.
  • If applicable, provide details about how you will procure supplies, manufacture your product, and deliver your product or service to your customer. Include any equipment and facilities that you need.
  • Describe how you will measure the success of your operations for quality, efficiency, cost control, or other measures of performance. Include any testing.
  • Order fulfillment: describe your order fulfillment process, software to be used, and quality control methods.
  • Supply chain: describe products/materials you need to purchase in order to make your product, include primary and secondary sources for these. products/materials, lead times, purchasing methods, and tools.
  • Staffing: skill requirements, training program, supervision, outsourced functions, and hiring timeline.

Addendum: Licenses and Permits   *Addendums can include but are not limited to License and Permits*

Make a comprehensive list of all licenses and permits you will need to do business in your area.   

Your list should include the following: (For US-based businesses; requirements differ by country and region.)

  • Name under which you intend to do business
  • Permissions and/or limitations on the use of your property or facilities
  • Federal, state, and local licenses (city/county), permits, and certifications needed to do business in your area (e.g. business tax license, seller's permit, safety certifications, employer identification number, etc.)
  • Industry licenses needed for your particular area of business (contractor, electrician, daycare, beauty, etc.)
  • International and national intellectual property protection through trademarks, copyright, and patents.

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An ALICE has $250,000 in student loan debt and left teaching for a stable job: 'There are many teaching college who are hungry and can't go to the doctor'

  • Murphy Pizza, burdened by $250,000 in student loans, left academia due to low and inconsistent pay.
  • Pizza is an ALICE — asset-limited, income-constrained, and employed.
  • She now pays $40 monthly under Biden's repayment plan but still faces financial hardship.

Insider Today

Murphy Pizza has accepted that she may never pay off her student loans . But she's anxious about her other expenses, like credit card bills and rent.

The 51-year-old has about $250,000 in student loan debt. She completed her doctorate degree in 2009 and worked for over a decade as an adjunct professor at various colleges in the Twin Cities, where she lives. The cost of her education is something she has "learned to live with," she said.

"That's the least of my worries, the student loan debt," she said. "It's the other stuff from day to day that I have to negotiate: credit card debt, medical expenses, or just rent bills."

She is what economists call an ALICE — asset-limited, income-constrained, and employed. Like 29% of US households, Pizza lives paycheck to paycheck, but her income is too high for most government assistance, per Census Bureau data and cost-of-living estimates analyzed by the nonprofit United Way. This compares to 13% of Americans who live at or below the federal poverty line , which is $15,060 for an individual.

Teachers and adjunct professors are especially vulnerable to being ALICEs. Sixty percent of adjunct professors make less than $50,000 a year, despite most of them holding at least a master's degree, according to a 2022 report by The American Federation of Teachers that surveyed 1,900 adjunct professors across the US.

"There are many teaching college who are hungry and can't go to the doctor," Pizza said in an email to Business Insider.

Pizza could make about $45,000 a year when she taught classes, but she had no steady income over the summer or winter breaks. She also didn't have health insurance and "never went to the doctor," she said.

If there weren't enough students enrolled in her courses — which focused on history, anthropology, and religion — Pizza was often dropped from her fall or spring position with minimal notice. She had to work side hustles to support herself: teaching at three schools simultaneously, scoring exams online, and more. At one point, she was working five jobs to afford housing , food, healthcare , and her student loan payments. She once had to declare bankruptcy because she couldn't take on a sixth job.

Adjunct professors often feel like "over-educated gig workers," she said.

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And, after thirteen years, she quit teaching because it was unsustainable for her finances.

Pizza left her adjunct role for less pay, but it's worth the stability

When Pizza left academia, she took a customer service job at a tech nonprofit making $30,467 a year, according to documents reviewed by BI. She still lives on a tight budget, but she is grateful for the security of a 9-to-5.

Early in her academic career, she thought she could get her degrees, earn a full-time professor salary, and maybe join the steady tenure track. She's been trying to get a better-paying job for 15 years, but she said the positions aren't available — even with a Ph.D.

Her nonprofit job has offered some relief.

"I'm making less money, but I know when I show up at work now, five days a week, there will be a paycheck," she said. "That's done a lot for my own sense of self."

Shortly after starting the job, she needed surgery. She was relieved to have consistent health insurance for the first time in her adult life, but couldn't afford out-of-pocket medical expenses. Her best friend set up a GoFundMe to help with the costs not covered by insurance.

Pizza also lives alone in her St. Paul apartment and gets discounted rent because she's been in the building for about 20 years. She said her income is currently too high for SNAP , and her friends will help cover her groceries to make sure she eats.

She's still paying off her student loans, but has been able to enroll in SAVE , President Joe Biden's income-based repayment plan. Pizza pays around $40 a month right now. Still, because of interest, she said her debt total isn't getting any smaller.

Although Pizza is used to transitions, she's not sure what will happen next. Lately, she's been working on some grant-funded anthropological research and archiving, which allows her to continue dissertation work and earn some extra income.

The dream, she said, would be to make all the money she needs from just one job. She also wishes she could build savings.

Pizza said many people living paycheck to paycheck feel lonely and isolated. She is especially grateful for her friends, who have always made sure she has food in her fridge and is able to visit the doctor when she's sick.

Community is "gold," she said.

"If somebody's out there in the same situation that doesn't have friends or community, just figure out a way to reach out," Pizza said. "Because there will be people that will care about you."

Do you live paycheck to paycheck? Are you open to sharing how you afford food, housing, and other expenses? If so, reach out to this reporter at [email protected] .

Watch: Supreme Court strikes down Biden's student-debt relief plan

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  3. How to Write a Pizzeria Business Plan in 2024 (Free Template)

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  15. Pizzeria Business Plan Sample [Update 2024]

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  16. Executive Summary of a Pizzeria: Template & Example

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  17. Pizza Business Plan Template [Updated 2024]

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  28. College Adjunct Professor Salary Not Enough for ALICE to Live on

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