$10,000
loan we are asking forproposal · not approvedWorking plan · for Tj, Breanna and Pat · reviewed 2026-09-06
One company. One loan.
One step at a time.
This page is the working plan for Tomasetti Tech. It is not a pitch. It is the loan numbers, the 35% Tj / 35% Breanna / 30% Pat ownership proposal, and the risks written down so we can decide together with our eyes open. Pat's grant is intended to be immediate at formation/signing, but nothing is final until all three members and the required professionals review and sign.
How to read this page
Eight sections, one question each. Read them top to bottom, jump to one question, or hit Present (bottom-right) and walk through it screen by screen.
01 / The short version
The plan in four numbers
Read this first. It is everything in a few lines.
$250/mo
AI costs built into the ask$200–300 range · keeps the lights on35 / 35 / 30
Tj / Breanna / Pat working ownershipWorking proposal · not signed$0
outside money so farwe built everything ourselvesWhat Tomasetti Tech is
A Colorado LLC we are thinking about forming. It would own the software, the websites, the domains, the servers, and the repair work we already run from home. The working cap table is Tj 35% / Breanna 35% / Pat 30%; Pat is both a member and CFO. Her immediate grant, consideration/relationship to money Tj owes her, tax treatment, and any cash or credit support require separate written review. The company does not exist legally yet.
Homelab already paid forWorking software todayLLC not filed yet
What the money would actually pay for
Not ideas. Real stuff that turns the work we already do into cash: repair parts and tools, a couple more cheap servers or older computers so we are not running everything on one box, and a monthly budget for AI costs of roughly $200–300 instead of squeezing by. Then a small cushion for the slow months.
Parts + toolsAI budget $200–300/moMore cheap hardware
Important: the $10,000 target, the 35% / 35% / 30% ownership percentages, the payment estimate, and the ownership terms are all proposals. They are not agreed, not quoted by a lender, and not signed. That is the whole point of this page, to turn "we should talk about this" into a real document.
02 / The ask
The loan in plain numbers
It is a small ask on purpose. A lender sets the real terms. This is the planning version so we can decide whether the idea is worth one phone call.
Use of funds (working sketch)
Tools and bench supplies$800
Repair parts and inventory$2,500
AI and API costs$250/mo
A couple more cheap servers / older computers$1,500
Working capital cushionThe rest
Total request$10,000
Round numbers, not a real budget. Each line gets priced against real vendors before any lender call.
Repayment logic
1Keep the lights on
Bills and supplies first.
Bills and supplies first.
2Pay the loan
No profit out while the payment is at risk.
No profit out while the payment is at risk.
3Build a cushion
One slow month should not sink us.
One slow month should not sink us.
4Split what is left
Only after 1, 2 and 3 are covered.
Only after 1, 2 and 3 are covered.
Loan amount$10,000
Interest rate10%
Loan term5 years
Est. monthly payment$212/mo
A $10,000 loan at roughly 10% over five years lands near $212 a month. Real terms will differ, and that is fine.
Before the first lender call
01
LLC filed
Colorado Secretary of State filing, manager-managed, as we have sketched.
Not started02
EIN
Free from the IRS once the state approves.
Blocked by 0103
Credit checked
We each pull our own reports and read them before any lender does.
Not started04
Terms reviewed
Operating agreement, guarantee, cash flow, and use of funds looked over by someone qualified.
Required03 / How it gets paid back
What pays for it: first, next, later
The loan has to be covered by near-term work, not by hoping. Here is the order.
Repair + B2B
Computer and audio repair, plus setting up AI tools for small local businesses on a monthly retainer. This is the work that actually covers the payment.
RepairRetainersLocal business
Software we can license
The repair CRM, the Customer Service Wizard, the audio tools. We use them ourselves first. Once they work, we sell them to other shops and brands.
LicenseWhite-labelSubscription
Content sites with ads
Tomasetti's own repair education and knowledge tools get built in stages, with measurable customer and bench-time results before they receive more time or money.
AdsAffiliateSponsors
04 / Downside + controls
What could go wrong (and what we'd do about it)
A plan is only worth something if it survives a bad month. Here is the honest version.
High
Revenue starts slow
What could happen
The first repair jobs or B2B retainers come in later than we hope, and the month ends up thinner than planned.
What we would doSpend the loan in stages, keep the ask small, watch cash every week, and do not open new projects until repair is actually paying for itself.
High
We miss a payment
What could happen
A bad month meets a loan payment, and whoever signed the guarantee is on the hook personally.
What we would doNo guarantee without a written OK from everyone involved, the loan gets paid before anything comes out, keep a cushion, and agree now on what calling the lender looks like.
Medium
Too many projects, not enough time
What could happen
Twenty half-finished sites and nothing that makes money.
What we would doOne money-making goal at a time. A new project waits until the current one is actually working.
Medium
The deal starts to feel unfair
What could happen
One of us thinks the split no longer matches the work or the risk.
What we would doAnswer the questions in the deal section, write everything down, and get SBDC or an attorney to look at it before anyone signs.
Medium
Everything depends on Tj
What could happen
If Tj gets sick or burned out, most of the company stalls because the knowledge only lives in his head.
What we would doWrite down how things actually run, keep the money decisions with Pat, and do not add obligations until revenue can carry them.
05 / The deal
Who owns what, and who decides what
A loan cannot be judged on its own. The ownership, the control, and who is on the hook if it fails is the part we have to agree on before anything else. Three people, one company: the working split is Tj 35% / Breanna 35% / Pat 30%; Pat is also CFO and keeps the books. Grant treatment, governance, CFO authority, succession, and lender terms still require written review.
| Area | Tj & Breanna | Pat | Status |
|---|---|---|---|
| Ownership | Tj 35% / Breanna 35% members; Pat's 30% grant is intended immediately at formation/signing | Pat is a 30% member and CFO; cash, credit, and guarantee support are optional and separate | Working proposal · unsigned |
| Who does what | Co-owners — Tj builds and runs the business, Breanna runs the people side | 30% member + CFO — books, taxes, loan paperwork, receipts & defined spending approvals | Proposed |
| What each brings | The homelab, the software and IP, the domains, the years of work already done | CFO work plus a 30% immediate grant; possible cash or credit support only if she agrees in a separate written document | Need real values |
| Who decides | Day-to-day running of the company | Normal finance and tax decisions; no big debt on her own | To be written |
| If someone leaves | Tj's death-transfer intent: his 35% goes to Breanna through coordinated documents | Her 30% member interest and CFO role defined for departure; incapacity handled separately | Attorney needed |
| If the loan fails | No personal guarantee assumed without written consent | Guarantee, credit pull, or cash support only if she reviews the exact terms and agrees | Lender terms first |
06 / What we need to decide
Four separate decisions
Each one is its own question. Nobody signs anything at this table — we set the dates.
D1
Form the LLC
Colorado filing, $50, manager-managed. Green light from all three members, then Tj files.
Tj files · after green lightD2
Sign (or date) the operating agreement
The 35 / 35 / 30 cap table, grant treatment, CFO scope, succession. Attorney review first.
All three · after reviewD3
Start the loan sequence
EIN → voluntary credit reviews → SBDC first call. The $10K ask stays a planning number until a lender sets terms.
Tj + Pat togetherD4
Insurance, bank, EIN
General liability (~$30–50/mo) is the real blocker to taking in equipment. Bank account after the LLC exists.
Pat's lane · due date at this table07 / The live portfolio
What the company already runs
This is not a roadmap of ideas — these are the real surfaces, live on the internet today. Click any card to open it.
Open live ↗Customer Service Wizard
LIVEThe AI intake and diagnosis flow, with a guided demo mode.
Open live ↗StreamNest
LIVEKidsafe streaming — the sellable product.
Open live ↗Repair shop
LIVEThe local repair surface with pricing, tabs, and the wizard intake.
Open live ↗Tomasetti Tech
LIVEThe umbrella — software, audio, and repair under one roof.
Open live ↗tomasetti.online
LIVEThe web / AI product directory and intake.
Open live ↗Pat's Desk
PRIVATEThe CFO portal — her private corner, live and waiting for her.
In the lab: Tonesetti, MALP, ATOMasetti, Loop, Complaint Radar
08 / Where the details live
Source shelf
Every number on this page traces to a real file in the vault. Open any of them.