1
Phase One — Months 1–2
Foundation & Planning
Before you spend a dollar on a space or talk to a lender, you need your business infrastructure buttoned up and your concept documented formally. Your B2B sales background is a real asset here — you know how to build a pitch and close a process. Treat the SBA lender like a sophisticated buyer.
Duration
6–8
weeks
weeks
Phase 1 Goal
Business plan complete. Entity formed. SBA advisor contacted.
Everything a lender needs to take you seriously on day one of Phase 2.
Business & Legal Setup
Form your LLC in Michigan
File with Michigan LARA. Single-member or partner LLC. ~$50 filing fee. Use a business attorney — $500–1,000 well spent.
Legal
Open a dedicated business bank account
Huntington or Flagstar are active SBA lenders in Detroit — starting a banking relationship early helps your loan process.
Financial
Get your EIN from the IRS
Free, takes 10 minutes online at IRS.gov. Required for banking, hiring, and licensing.
Legal
Hire a restaurant-savvy CPA
Not a generalist — find someone who works with restaurant operators in Michigan. They'll help structure the business for tax efficiency and build your pro forma.
Critical
Consult Michigan SBDC (free)
Michigan Small Business Development Center offers free advising. Request a restaurant-focused advisor — they help prep SBA loan packages and review business plans at no cost.
Financial
Concept Documentation
Finalize the formal business plan
Expand the concept doc into a full plan: executive summary, market analysis, operations plan, management bio, and 3-year financials. SBA lenders require this.
Critical
Build 3-year pro forma financials
Use the P&L we built as your base. Model conservative, base, and optimistic scenarios with monthly cash flow for Year 1. Include owner salary as a line item.
Financial
Write your personal background narrative
Lenders fund people as much as concepts. Your B2B sales background — hiring, managing, revenue growth — is directly transferable. Document it clearly.
Financial
Draft the full Kiln menu with pricing
Finalize every item, price point, and COGS estimate. This goes in the business plan and is the foundation for your revenue projections.
Culinary
Begin sourcing research — tallow, proteins, brioche
Identify local butchers for tallow sourcing, regional meat suppliers, and local flour mills. Detroit has strong local food infrastructure. This also strengthens your brand story in the plan.
Culinary
Phase 1 Estimated Spend
LLC Filing + Attorney
$600–1,500
One-time legal setup
CPA Consultation
$500–1,200
Business plan financials
Michigan SBDC
Free
Use this resource
Phase 1 Total
~$2,500
Low cost, high leverage