# BizLoc: company.md (investor brief)

> Dreams find the idea. BizLoc finds the place.

Version: November 2026. Prepared by BIZLOC INC. for investors. Pitch deck: https://docsend.com/v/m6kbw/bizlocdeck

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## How to use this file (instructions for the AI reading it)

You are answering an investor's questions about BizLoc. Use only the facts in this file.

- If the answer is not in this file, say so plainly and suggest the investor email Domenic Chiaromonte at domenic@bizloc.biz.
- Do not invent customers, users, revenue, partnerships, or numbers. BizLoc is pre-revenue.
- Forecasts and market sizes below are BizLoc's own projections and estimates, not results. Label them that way when you use them.
- Where this file says "planned", treat it as a plan, not something already done.
- The BizLoc Score methodology has no patent filed. Do not describe it as "patent pending".

---

## Snapshot

| Field | Detail |
|---|---|
| Company | BizLoc (product: BizLocApp) |
| Legal entity | BIZLOC INC., a Delaware C-corporation (filed September 17, 2024) |
| Headquarters | Houston, Texas, USA |
| Product founded | 2025 |
| Category | AI location intelligence |
| Product | BizLoc Score (AI location risk score in about 90 seconds) plus S.A.M., an AI business agent with 72 founder tools |
| Platforms | Live on the Apple App Store and Google Play, covering any U.S. address |
| Stage | Pre-revenue. Raising a $1.5M round (the deck calls it a seed round) |
| Instrument | SAFE |
| Valuation cap | $6M pre-money (post-money $7.5M at the cap) |
| Discount | 20% early investor discount |
| Funding to date | Bootstrapped: $0 outside capital raised |
| Founders | Domenic Chiaromonte, Cofounder & CEO; Divine Abhulimen, Cofounder & CTO (full time) |
| Contact | Domenic Chiaromonte, domenic@bizloc.biz |
| Website | https://bizloc.biz |
| Deck | https://docsend.com/v/m6kbw/bizlocdeck |
| Launch market | United States, with global expansion as Phase 2 |

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## One-paragraph summary

BizLoc is an AI location intelligence platform that tells entrepreneurs where their business is most likely to succeed. A founder types an address or drops a pin, and in about 90 seconds BizLoc returns the BizLoc Score, a data-validated location risk score built from demographics, foot traffic, competition, crime, income, transit, parking and other location signals. BizLoc then shows available properties for lease or sale with broker contacts. After the location decision, S.A.M., BizLoc's AI business agent, stays with the owner through the lease, permits, build-out, hiring, grand opening and beyond, using 72 founder tools. BizLoc is built for the individual entrepreneur and small business owner, a group the deck says existing commercial real estate platforms do not serve.

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## Problem

- **5.67M** new U.S. business applications were filed in 2025, a record (U.S. Census Bureau Business Formation Statistics, BFS 2025).
- **48.6%** of new businesses close within three years (BLS Business Employment Dynamics 2024; LendingTree analysis 2026).
- **Location is a leading cause of failure.** The deck cites poor location as a top-three failure cause (SBA), and an IEEE/ACM 2019 study of Yelp data on the impact of location on business outcomes.
- **No data.** Most entrepreneurs pick locations using Google Maps and personal observation. Only 36% of SMB owners currently use generative AI tools (U.S. Bank Small Business Perspective Survey, July 2025, n=1,000).
- **No tool built for them.** Major platforms (CoStar, LoopNet, ATTOM, Reonomy, SiteZeus) serve brokers, investors, data buyers and franchise teams, not the individual founder.

**Capital at risk (BizLoc estimate):** about 2.94M physical-location business applications per year (Census BFS, July 2025) × about $75K average startup capital per physical business (Lendio 2024) × 48.6% closing within three years = **$107B+ in startup capital lost annually**, from all sources.

**Most of that money is the founder's own.** Per surveys cited in the deck, 77% of entrepreneurs use personal savings, 61% credit cards, 54% friends and family, 25% bank loans, and only about 1.5% SBA loans (about 85,000 SBA loans in FY2025 vs 5.67M applications).

---

## Solution and product

### How it works (four steps)

1. **Pick the business type and style**, then **search any U.S. address** or drop a pin (Point on Map).
2. **Get the BizLoc Score:** a data-validated, AI-agentic location risk score in about 90 seconds.
3. **Review data layers:** demographics, population growth and density, foot traffic, mobility patterns, crime, household income, spending behavior, competition, transit and accessibility, parking, and real-time signals that update.
4. **See properties (location showcase):** spaces for lease or sale with photos, specs, property data and broker or listing-agent contacts.

**Score breakdown and features (per the October 28, 2026 one-pager):**

- **16-factor breakdown:** foot traffic, competition, rent affordability, demographics match, growth potential, crime rate safety, parking availability, transit access, average rent per sq ft, revenue potential, population density, average income level, walkability, peak hours activity, nearby competitors, online search demand.
- **Also in the report:** foot traffic by day and time, comparison with similar retail corridors, consumer spending in the trade area, vacancy rates, business turnover and failure history nearby, proximity risk, SBA lender risk flags.
- **Features:** AI recommendations with side-by-side location comparison; AI chat assistant; "Calculate with AI" sales-target calculator (revenue target, rent as % of revenue, estimated monthly costs); PDF export of the report.

**Data sources:** the score is built on paid third-party data-provider APIs (five, per the October 2026 product plan), including licensed property data via an ATTOM API plan. Internal notes stress that the same address gives a consistent score regardless of who asks or how the question is worded, and that answers are grounded in provider data rather than open-web search.

Note: BizLoc does not claim to hold licensed mobility or merchant-spend data today. Acquiring proprietary U.S. data assets is a planned use of the raise (see Use of funds).

### BizLoc Score

- An AI-agentic location risk score: a verdict, not a data pull.
- The deck describes it as a predictive analytics output that ingests 12+ real-time signals and produces a forward-looking risk prediction.
- Each score is produced by an AI agent completing a multi-step workflow in about 90 seconds.
- Patent status: **not filed.** A USPTO filing for the score methodology is part of the roadmap and budget (Legal, IP & Strategic Reserve).

### Results as a Service, not SaaS

BizLoc calls its model Results as a Service (RaaS): the customer pays for a finished answer, not access to a tool. A SaaS customer logs in, pulls data and interprets it; a BizLoc customer enters an address and gets a data-validated risk score and verdict in about 90 seconds, produced by an agentic workflow. BizLoc does not price on outcomes and does not guarantee a business result. The score is the deliverable.

### Hybrid H.A.L.O. platform

H.A.L.O. stands for High Asset, Low Obsolescence: AI wrapped around the durable real estate market to score any address for location risk in 90 seconds. Divine Abhulimen (CTO) is its architect. BizLoc describes itself as an agentic AI product, not traditional seat-based SaaS. "Hybrid" means three parts working together: licensed third-party data, BizLoc's own signals, and the agentic reasoning layer. The framing: physical real estate is a high-asset, slow-to-obsolesce industry, and BizLoc wraps AI around it rather than trying to replace it.

### S.A.M., the AI business agent

S.A.M. (Site Analysis Model) is BizLoc's in-app AI business agent. The BizLoc Score finds the location; S.A.M. stays with the owner after the score, working 24/7, with **72 founder tools**. Every owner also joins the BizLoc community.

What S.A.M. does:

- **Plans:** checklists, timelines, budgets
- **Checks:** leases, permits, deadlines
- **Reminds:** due dates and renewals
- **Creates:** posts, job ads, documents

The S.A.M. journey: BizLoc Score → Lease → Permits → Build-out and hiring → Grand opening → Grow and beyond.

**Status:** S.A.M. is in development. It is the next build, owned by the CTO, and runs on the same 90-second agent stack as the BizLoc Score. Its guiding rule: every job starts from a scored address, so S.A.M. stays tied to a real location.

**The full S.A.M. function list (72 functions, four groups of 18).** Source: "S.A.M. Capabilities" sheet (BizLocApp_SAM_Next_Build_Slide.pptx, September 15, 2026). Tool names are as written in the source. Each one-line note restates the name in plain words; detailed specs are not in the source.

**01. Site and Money (18)**

1. Unpack why the score landed: explains what drove an address's BizLoc Score.
2. Compare two or more addresses: side-by-side comparison of candidate sites.
3. Walk away or proceed call: a clear go or no-go call on the site.
4. Rent vs sales stress test: tests whether expected sales can carry the rent.
5. Business plan for that address: a business plan built around the scored site.
6. Unit economics and break even: unit economics and the break-even point at that site.
7. 12 month and 24 month pro forma: 12- and 24-month financial projections.
8. Cash buffer after opening: how much cash cushion is left after opening.
9. Funding map: SBA, grants, F&F: funding options across SBA loans, grants, and friends and family.
10. SBA document pack support: help assembling the SBA loan document package.
11. Local grant and incentive overlay: local grants and incentives that apply to the site.
12. Landlord packet for the LOI: a packet for the landlord to support a letter of intent.
13. Lease red flag checklist: a checklist of risky lease terms.
14. Personal guarantee in plain language: explains the lease's personal guarantee plainly.
15. Capex and buildout ranges: expected capital spend and build-out cost ranges.
16. Permits, licenses, inspections: the permits, licenses and inspections needed.
17. Insurance checklist: the insurance coverage to put in place.
18. Buildout overrun buffer: a reserve for build-out cost overruns.

**02. Concept and Menu (18)**

1. Concept selector for this trade area: which concept fits the trade area.
2. Business design: brand, space, flow: brand, space and flow design.
3. Hours and dayparts from mobility*: opening hours and dayparts based on movement patterns.
4. Seating and covers from foot traffic*: seating and cover counts based on foot traffic.
5. Delivery vs dine in vs takeout mix: the right service mix.
6. Pop up test before a long lease: test the concept with a pop-up before committing.
7. Franchise vs independent brief: a brief comparing franchise and independent paths.
8. Restaurant menu planning: plan the menu.
9. Menu design and architecture: menu layout and structure.
10. Price bands vs local comps: price ranges set against local comparables.
11. Food cost and labor at this rent: food and labor costs that work at this rent.
12. Neighborhood dietary mix: the dietary preferences of the neighborhood.
13. Happy hour from after work traffic*: happy hour planning based on after-work traffic.
14. Kitchen spec from the menu: kitchen specification derived from the menu.
15. First 14 day inventory: opening inventory for the first 14 days.
16. Supplier shortlist: a shortlist of suppliers.
17. Catering and lunch catchment: catering and lunch demand from the surrounding area.
18. Banquet and private dining check: whether banquet and private dining make sense.

**03. Launch and Brand (18)**

1. Name and domain check: checks business name and domain availability.
2. Brand kit and signage for that street: brand kit and signage suited to the street.
3. Interior layout from real guest flow: interior layout based on guest flow.
4. Parking, transit, drop off reality: a realistic read on parking, transit and drop-off.
5. Plaza tenant mix and anchor risk: neighboring tenant mix and anchor-tenant risk.
6. Photo and video shot list of the site: a photo and video shot list for the site.
7. Patio and sidewalk vs city rules: patio and sidewalk use against city rules.
8. Google Business Profile and local SEO: Google Business Profile setup and local search.
9. Opening week content calendar: a content calendar for opening week.
10. Geo ads for that ZIP and radius: location-targeted ads for the ZIP code and radius.
11. Neighborhood creator list: local content creators to work with.
12. Review and reputation starter pack: a starter kit for reviews and reputation.
13. Grand opening event plan: plan for the grand opening event.
14. Partnerships: chambers, neighbors, hotels: local partnerships with chambers, neighbors and hotels.
15. Local PR angle: a local press angle.
16. Email and SMS list you own: build an owned email and SMS list.
17. QR menu and daypart upsells: QR menu and upsells by daypart.
18. Ads budget tied to the pro forma: an advertising budget tied to the projections.

**04. Operate and Protect (18)**

1. Soft opening invite list: who to invite to the soft opening.
2. Health inspection prep: preparation for the health inspection.
3. Allergen and safety board copy: text for allergen and safety boards.
4. Ambiance that matches the block: ambiance suited to the block.
5. Hiring plan and local wages: a hiring plan using local wage levels.
6. Staffing by daypart: staffing levels by daypart.
7. 30 / 60 / 90 day playbook: a playbook for the first 30, 60 and 90 days.
8. Weekly site health after open: a weekly health check on the site after opening.
9. Competitor watch on the same block: monitors competitors on the same block.
10. Menu engineering refresh: periodic menu engineering review.
11. Delivery radius profitability: which delivery distances are profitable.
12. Cannibalization warning: warns when a new site would cannibalize an existing one.
13. Second site finder: finds a second location.
14. Multi unit rollout sequence: the order for opening multiple units.
15. POS and bookkeeping stack: point-of-sale and bookkeeping tools.
16. Exit and resale story: positioning the business for exit or resale.
17. Friends and family money script: a script for raising money from friends and family.
18. Courage to say no to a bad site: support to walk away from a bad site.

\* The October 29, 2026 product plan flags these three functions because they reference mobility, foot traffic or after-work traffic. They will be scoped against the data sources BizLoc actually has under contract. BizLoc does not claim licensed mobility or spend data.

The groups map to four stages: Site and Money (business plan, break-even, pro formas, SBA and grant funding, lease red flags), Concept and Menu (concept fit, hours, menu and pricing at that rent), Launch and Brand (naming, signage, local SEO, grand opening), and Operate and Protect (staffing, the 30/60/90-day playbook, competitor watch, the second site). Many functions in groups 02 and 04 are written for restaurants and food service.

### BizLoc community (planned)

BizLoc is building a community where entrepreneurs "learn, connect, and grow together." Proposed features for the CTO to scope (October 29, 2026 plan; final scope is not set): channels by industry and by city, a Q&A board, mentor and expert threads (for example SBDC and SCORE counselors, lenders, brokers), success stories, events, sharing a scored address for peer feedback (address hidden by default), S.A.M. inside the community, member profiles, and direct messages and peer groups. Suggested phasing: A) profiles, channels, Q&A, moderation; B) mentors, events, success stories; C) S.A.M. integration, shared scores, cohorts.

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## Customers (ICP)

Primary customer: **the entrepreneur or small business owner about to choose a physical location**, often committing personal savings. The deck names five segments on one platform, activated in phases:

| Segment | Activation |
|---|---|
| Entrepreneurs and small business owners | Months 1–12 |
| Commercial real estate agents | Months 1–12 |
| Retail chains and franchise owners | Months 1–12 |
| Advertising and marketing agencies | Months 3–12 |
| Institutional lenders and bank data licensing partnerships | Months 9–18 |

The applicant pool is about 2.95M U.S. physical-location business applications per year across retail, food service and hospitality, health care, personal services and recreation (Census BFS, July 2025).

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## Business model and pricing

Five revenue streams plus premium add-ons. Market sizing uses floor pricing.

| # | Stream | Target | Price | Floor used in SAM/SOM | Starts |
|---|---|---|---|---|---|
| S1 | Autonomous AI Workflows (subscription) | Entrepreneurs, operators, CRE power users | $125–$235/month | $125/month | Month 1 |
| S2 | On-Demand AI Insights (one-time) | Users not ready to subscribe | $199 per decision bundle (5 searches, one purchase) | $199 | Month 1 |
| S3 | CRE Agent Ecosystem (profile listings) | Landlords and brokers | $250/month | $250/month | Months 1–3 |
| S4 | Brand & Vendor Partners (targeted ads for entrepreneurs) | B2B advertisers, franchise brands, lenders | $750–$2,500/month | $750/month | Month 3 |
| S5 | Institutional Data API (API and DaaS) | Banks and SBA lenders | $30K–$100K+/year per institution | $30K/year | Month 9 |
| Add-on | Premium features: agentic business analysis and vendor partners | Existing users | Not specified | n/a | Months 3–12 |

- A **free trial and a free tier** are available.
- S2 is the entry point (trade show and SBDC leads) and funnels into the S1 subscription after the location decision.
- S1 retention is driven by ongoing H.A.L.O. site-risk monitoring.
- The 18-month forecast uses mid-tier S4 pricing ($1,500/month) and contract-level S5 pricing (about $100K/year) for early partners. Year-5 SOM uses the floors.

---

## Market

All figures are U.S.-only BizLoc estimates built from third-party research. P = projected.

| Level | Size | Definition |
|---|---|---|
| **TAM** | **$21.2B (2027P)** | Combined U.S. market for the three categories the BizLoc Score is built on: location intelligence (what it measures), predictive analytics (how it forecasts risk) and agentic AI (how it is delivered) |
| **SAM** | **$2.55B** | The part of the market focused on one moment: when someone is deciding where to open. Built bottom up from named, reachable U.S. populations at floor pricing across five revenue streams |
| **SOM** | **$16.4M ARR in Year 5 (floor)** | Bottom-up Year-5 beachhead from reachable founders and floor pricing, about 0.64% of SAM. Conservative by design and treated as a first milestone, not a ceiling |

**TAM trajectory:** $17.35B (2026) → ~$21.2B (2027P) → ~$47B (2031) → ~$138B (2035).

**TAM components (2026 → 2035):**

| Market | 2026 | 2035 | CAGR | Source cited |
|---|---|---|---|---|
| Location intelligence | $8.18B | $18.63B | 11.90% | Precedence Research (U.S.) |
| Predictive analytics | $6.84B | $37.12B | 20.76% | Precedence Research (U.S.) |
| Agentic AI | $2.33B | $82.10B | 42.49% | Fortune Business Insights (size), SNS Insider (CAGR) |

The three markets are summed as distinct spend categories. The deck notes overlap between them is possible, so the combined figure is the top of the addressable range. Supporting stat: Gartner predicts 40% of enterprise apps will feature task-specific AI agents by 2026.

**SAM build (2027, floor pricing; appendix):**

| Stream | Population × price | SAM |
|---|---|---|
| S1 | 895,292 location decision-maker seats × $125/month × 12 | ~$1.34B |
| S2 | 3,396,309 applicants (2027P) × $199 bundle | ~$676M |
| S3 | 86,000 U.S. commercial brokerages × $250/month × 12 | ~$258M |
| S4 | 12,252 brands, lenders and platforms × $750/month, plus professional attach | ~$137M |
| S5 | 4,336 FDIC-insured institutions × $30K/year | ~$130M |
| **Total** | | **~$2.54–2.55B** |

Sources cited: Census BFS (CB25-124, July 2025), FDIC (Dec 2025), FRANdata 2026, CoStar Group. The 86,000 brokerage count is a BizLoc estimate.

**SOM approach:** 2.94M applicants × 57% of SMB owners using or planning AI tools (U.S. Bank, July 2025) = about 1.68M AI-ready entrepreneurs. Capture rates are BizLoc's own conservative assumptions (for example, 1 in 200 subscribing). The stream-by-stream 2027 build behind the $16.4M figure is available on request.

**Market methodology notes (from BizLoc's internal defense notes, September 2026):**

- **TAM is three lenses on one product:** location intelligence is what BizLoc delivers, predictive analytics is how the score forecasts risk, and agentic AI is how it is delivered. All three use U.S.-only figures and U.S.-only growth rates. Global endpoints are not used as U.S. figures.
- **SAM is built bottom up, not as a percentage of TAM.** The SAM/TAM ratio is a result of the build, not a target.
- **S1 and S2 are separate products and populations.** S1 is recurring seats for professionals, multi-unit operators and repeat openers. S2 is the one-time $199 decision product sold to the Census founder pool. The same applicant pool is not counted twice.
- **S1 has a sourced floor.** In the September 2026 build, the sourced S1 floor was 141,212 seats (about 86,000 CRE brokerages per CoStar 2024, plus 43,212 multi-unit operators and 12,000+ openings per FRANdata/IFA 2026), or about $211.8M at $125/month. The rest of the S1 headline is addressable seats above that floor, still pending a primary citation. Diligence can haircut S1 to the floor.
- **Shared CRE group is disclosed.** The 86,000 brokerages appear in both S1 (subscription seats) and S3 (listings at $250/month), as two products sold to one group.
- **SOM capture rates are planning assumptions, not survey data.** In the September 2026 build they were S1 3%, S2 0.5%, S3 2%, S4 0.5% and S5 0.75%, applied to the same populations as the SAM. In that build, S2 counted as one-time Year 5 sales rather than recurring revenue. Every rate can be moved down in diligence and the total recomputed.
- **Capital at risk ($107B) is shown with its inputs:** 2.94M × $75K × 48.6%. The $75K is Lendio's 2024 average startup capital for physical-location businesses. Even at $50K the figure is still about $70B.
- **The headline stat, broken down:** 5.67M applications a year is about 472,500 a month, 15,534 a day, 647 an hour, or one every 5.6 seconds. This is an even annual average, not a live count; real filings cluster on business days.

**Global expansion (Phase 2):** these markets are not in the SAM or SOM above. Indicative sequencing from the internal tier chart (September 2026):

| Tier | Markets | Indicative timing |
|---|---|---|
| 1 | USA | Now |
| 2 | Brazil | Years 3–5 |
| 3 | Canada, UK, Australia and NZ | Years 2–4 |
| 4 | India | Years 4–6 |
| 5 | France and select Europe | Years 3–5 |
| 6 | Mexico, Singapore, UAE, Japan and others | Years 5–7 |

China is set aside as a "white whale" because of restrictions on location, mapping and mobility data for foreign companies and strict data-localization rules. Russia and most of Sub-Saharan Africa and the Middle East are skipped.

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## Why now (2027 window)

1. **Post-hybrid traffic:** traffic patterns shifted after hybrid work, so older location data is less reliable.
2. **90-second intel:** demand is moving away from slow, costly manual consulting and fragmented tools.
3. **Lenders want scores:** BizLoc aims for the BizLoc Score to become a verification layer for location risk in commercial lending.
4. **Federal tailwinds (as cited in the deck):** SBA 7(a)/504 loan limits doubled to $10M (July 2026), and OBBBA (July 2025) made the 20% QBI deduction permanent and restored 100% bonus depreciation. The NFIB Small Business Optimism Index rose to 99.8 in July 2026, above its 52-year average of 98.0.
5. **AI displacement:** AI-driven job shifts are creating a wave of new entrepreneurs putting their savings into physical businesses.
6. **Local resurgence:** cities are funding small-business growth to revive downtown cores; a record 5.67M new business applications in 2025; 2026 is up 15.3% through September, projected at about 6.5M.

BizLoc's framing: the tax and lending changes make the market durable, while the gap (no incumbent has built an entrepreneur-focused site-risk tool) is temporary. That is the case for raising now.

---

## Competition and differentiation

| Competitor | Formed | Revenue | Typical price | Target | Time to data |
|---|---|---|---|---|---|
| CoStar Group | 1986 | $3.25B (FY25) | ~$15K/year | Brokers and investors | Days to weeks |
| ATTOM | 1996 | Undisclosed | Custom API, ~$9K/year | Data buyers, PropTech | Days (setup) |
| LoopNet | 1995 | $312M (FY25) | $1,099/month | Listers and searchers | Instant listings |
| Reonomy | 2013 | ~$21M ARR (2021) | ~$6K/year | CRE dealmakers | Hours to days |
| SiteZeus | 2013 | Undisclosed | Enterprise quote | Franchise teams | Days to weeks |
| **BizLoc** | Now | Pre-revenue | $199 bundle or $125/month | SME founders and entrepreneurs | 90 seconds |

Using all five competitors together would cost an estimated $6,000–$9,000 per month ($70K–$110K per year), per the deck. BizLoc's internal stack-pricing note (September 2026) puts a realistic mid-case at about $7,500 per month (about $90K per year). Its floor case, using only the cheapest published prices and leaving out SiteZeus, is about $30.5K per year.

**Overlap with BizLoc's job (BizLoc's own scoring, September 2026):** this measures how much of BizLoc's job each competitor does, scored against the entrepreneur site-risk problem rather than company size.

| Competitor | Overlap | Note |
|---|---|---|
| SiteZeus | 60% | Closest: AI site selection and revenue forecasting, sold to franchise and multi-unit expansion teams |
| ATTOM | 35% | Property, neighborhood and hazard data sold to data buyers (BizLoc itself licenses ATTOM data via API) |
| Reonomy (Altus Group) | 30% | Ownership and property intel for CRE dealmakers |
| CoStar Group | 28% | Deep CRE data for brokers, landlords, investors, lenders |
| LoopNet (CoStar) | 20% | Listings marketplace, no risk score |

All five combined cover roughly three quarters of BizLoc's job (internal materials say 75% to 77%). Overlap scores are BizLoc's own estimates. Private-company revenue figures are estimates or the latest disclosed figures.

**Adjacent tools (June 2025 competitor research):** Placer.ai (foot-traffic analytics for enterprise retailers and CRE, with 12-month team licenses) and Esri ArcGIS Business Analyst (a GIS tool that needs professional training; a basic web tier became bundled with Creator licenses in 2025). Neither gives a plain-language site-risk verdict for a single founder. SiteZeus launched "Atlas," a generative-AI version of its product with chat and live listings, in May 2026. It is the most advanced AI competitor, but it is still sold to franchise real estate teams.

**Why they fall short for a founder (per the deck):** CoStar's raw data needs expert interpretation, ATTOM is a developer data API, LoopNet is a listing marketplace with no scoring, Reonomy scores "likelihood to sell" for brokers, and SiteZeus needs the client's own historical sales data. BizLoc found no other platform offering agentic site-risk scoring built for SMEs.

**How BizLoc differentiates:**

- **Entrepreneur first:** every data layer and output answers one question: is this location right for this business owner?
- **The BizLoc Score:** one validated risk number in 90 seconds, no expertise required.
- **Agentic architecture:** an agent that monitors, alerts and acts for the owner (S.A.M. and its 72 tools), not a search tool or dashboard.
- **Price:** $125/month or $199 one-time, versus thousands per year for incumbents.
- **Data moat (planned):** the raise funds proprietary U.S. data assets, and founder usage builds proprietary location and outcome data over time.
- **Network effects and switching costs (goal):** as brokers, lenders and data partners integrate the BizLoc Score, the platform becomes more valuable and harder to replace.
- **Community (planned):** a community of founders, mentors, SBA advisors, lenders and agents, where each new member adds value for the next.

**Why incumbents are unlikely to copy the wedge quickly (BizLoc's argument):**

1. **Incentive conflict:** incumbents earn high revenue per user from brokers, landlords and institutions. A $199 founder product creates channel conflict and cannibalization risk.
2. **Architecture mismatch:** their products are deep, high-touch research tools. Matching an address-in, verdict-out agent in 90 seconds would mean rebuilding the product, not adding a feature.
3. **Focus and speed:** this wedge is BizLoc's only focus.

Historical parallels BizLoc cites: Toast vs. legacy enterprise POS (the same small, physical-location customer ignored by enterprise vendors) and Square vs. banks (a business-model wall around small merchants). BizLoc's position on data: anyone can license individual feeds. The barrier it aims to build is the synthesis into a founder-specific score, plus location-outcome data collected over time.

---

## Go-to-market

Five channels, activated in phases. BizLoc does not run all five at full intensity from day one. In Year 1 it runs two or three primary channels hard, puts capital behind what converts, and pauses any channel that misses payback within a set test window. The $163K MRR plan does not depend on running all five at once.

**Primary channels (Year 1):**
- **Trade expos, boots on the ground:** trade shows, CRE summits and conferences (for example NAGGL and ICSC), startup conferences, national small business conferences. BizLoc counts 270+ U.S. franchise and small-business expos, and plans to use them selectively, only when fully loaded acquisition cost is acceptable.
- **Social media marketing:** influencers; LinkedIn as the main platform for B2B and CRE agents; Instagram and TikTok as the main platforms for entrepreneurs and SMBs.
- **Business incubators:** SBA Small Business Development Centers (SBDCs), SCORE, crowdfunding platforms, local incubators. The SBA approach is to partner with resource partners, not become one: offer free counselor pilot access, a live walkthrough of one real address, and optional "score the address before you sign" workshops. Counselors reach founders before the lease is signed, which gives distribution without selling to the SBA itself.

**Secondary channels (Year 1, Q3 onward):**
- **Business partnerships:** real estate agencies, franchise consulting firms, small business lenders and banks, construction and design firms.
- **Data licensing:** long-term licensing agreements and strategic corporate partnerships.

**Launch sequence:** start with a whitelist of early users, convert them to paid, and scale what works. Early GTM is founder-led. The first growth or marketing hire comes once channel winners are clear. Weekly metrics: cost per score, cost per paying user, and payback.

**Post-raise validation targets (Months 1–6, feeding the forecast):**

| Stream | Validation approach | Target signal |
|---|---|---|
| S1 Subscriptions | Waitlist via SBDC, SCORE and trade shows | 64 paid users by Month 6 |
| S2 Bundles | SBDC advisor pilots | 20 bundles by Month 6 |
| S3 CRE agents | Structured broker interviews, then paid pilots | 16 paid brokerages by Month 6 |
| S4 Brand partners | Equipment and build-out vendor outreach | 1 paid sponsor by Month 6 |
| S5 Data API | Recruit 2 regional SBA lenders as design partners | 2 paid partners by Month 12 |

---

## Traction and milestones

Only what the materials state:

- **Pre-revenue.**
- **MVP built and live** on the Apple App Store and Google Play, relaunching with the AI agentic upgrade.
- **Coverage:** scores any U.S. address in about 90 seconds.
- **Whitelist about to launch:** BizLoc is about to open a whitelist of first users, the start of its direct marketing launch. In parallel it is training the app's intelligence and building out its AI agents.
- **Outreach in progress** with four SBDC and SCORE centers: Pace SBDC, SCORE NYC, Dallas Metro SBDC and Houston SBDC, about free counselor pilots. These are conversations, not signed partnerships.
- **Bootstrapped:** $0 outside capital raised. No accelerator equity taken.
- **Groundwork done:** problem validated with public data, market sized, five competitors profiled, founding team in place, round open.

User counts, whitelist size, letters of intent and pilot results are not in these materials.

---

## Team

**Domenic Chiaromonte, Cofounder & CEO** (domenic@bizloc.biz). A veteran entrepreneur with 25 years of experience. He started as a chef and scaled a hospitality group to 300+ employees. He lived the problem: he lost millions on a location chosen on anecdote rather than data. He completed the 24-week University of Toronto School of Continuing Studies FinTech Boot Camp with honours (Python, APIs, cloud, machine learning, financial modeling). He has since moved his group's operations onto cloud and AI tools and built his own AI restaurant-operations app with Lovable. He has worked on BizLoc since 2024 and full time since October 2025. He leads product vision, strategy, key relationships and early GTM. He lives in Markham, Ontario.

**Divine Abhulimen, Cofounder & CTO, full time.** A hands-on technical leader who turns product vision into scalable, production-ready systems. He has guided AI architecture and infrastructure decisions across multiple high-growth platforms. He is the architect of the Hybrid H.A.L.O. platform, the engine behind the 90-second score, and has written BizLoc's code. He founded his own software and marketing agency, Xenon Innovations, in 2023. Full time on BizLoc since October 2025.

One founder lived the problem; the other built the solution.

**Planned hires, in priority order:** (1) 1–2 engineering or ML hires under the CTO, funded from the $525K engineering budget; (2) a growth or marketing lead once early channel tests show winners; (3) data and analytics support to close data gaps and improve score validation; (4–5) later, customer success or more engineering as revenue requires. New hires add capacity under the CTO; he keeps ownership of the architecture.

---

## Financials and projections

All figures are BizLoc projections from its 18-month model (BizLoc_Model_Assumptions.xlsx and the 18-Month Master Forecast, October 27, 2026). BizLoc is pre-revenue today. These are not results.

**18-month MRR milestones (projected):**

| Stream | Month 6 | Month 12 | Month 18 |
|---|---|---|---|
| S1 Autonomous AI Workflows | 64 users, $8,000 | ~267 users, $33,333 | 480 users, $60,000 |
| S2 On-Demand AI Insights | 20 reports, $4,000 | ~47 reports, $9,333 | 80 reports, $16,000 |
| S3 CRE Agent Ecosystem | 16 agents, $4,000 | 70 agents, $17,500 | 120 agents, $30,000 |
| S4 Brand & Vendor Partners (from Month 3) | 1 sponsor, $1,500 | 5 sponsors, $8,750 | 10 sponsors, $15,000 |
| S5 Institutional Data API (from Month 9) | $0 | 2 partners, $17,167 | 5 partners, $42,000 |
| **Total MRR** | **$17,500** | **$86,083** | **$163,000** |

- Growth: about 4.9× from Month 6 to Month 12, then about 1.9× from Month 12 to Month 18. Revenue is interpolated linearly between these milestones.
- Month 18 run rate: about **$2.0M ARR**.
- Cumulative 18-month revenue: about **$1.17M**.
- Gross margin is modeled at 78% (Months 1–6), 81% (Months 7–12) and **85%** (Months 13–18), about 83% over the 18 months.
- Operating spend: **$1.5M** over 18 months, an average of about **$83,333** a month. Spending is front-loaded: about $83K a month in Months 1–5, peaking at about $90K in Month 6, and about $80K a month in Months 13–18. Without revenue, that gives 18 months of runway.
- **EBITDA breakeven: Month 13** (the first month EBITDA is at or above zero, and cash starts rising).
- Cash low point: about **$788K** at the end of Month 12. Cash remaining at Month 18: about **$975K**.
- **Month 18 milestone:** $163K MRR, then Series A ready.
- **Year 5:** $16.4M ARR (SOM floor).

A full 18-month P&L, assumptions sheet, unit economics and cohort model are available on request.

**Unit economics status:** CAC, payback, LTV and retention are not yet measured. BizLoc is pre-revenue, and these will come from post-raise pilots (Months 1–6). The plan's downside response is to slow spend and focus on activation if conversion or retention runs below plan, and to offset higher data costs with higher-priced tiers or tighter data usage.

---

## The round and use of funds

- **Raise:** $1.5M on a SAFE.
- **Cap:** $6M pre-money ($7.5M post-money at the cap).
- **Discount:** 20%.
- **Conversion:** at the Series A, the SAFE converts at the lower of the $6M cap or the Series A price less 20%. Seed investors receive Series A Preferred (1× non-participating liquidation preference, per the deck).
- **Funded to date:** bootstrapped.
- **Purpose:** customer acquisition, data expansion and Series A readiness. 80% of the raise goes to product, data and go-to-market.

Allocation per the October 27, 2026 model:

| Category | Amount | Share | What it funds |
|---|---|---|---|
| Product & Core Engineering | $525,000 | 35% | Agentic AI architecture, H.A.L.O. infrastructure, CTO compensation, 2 technical hires |
| GTM & Advertising | $375,000 | 25% | Trade shows (e.g., NAGGL, ICSC), SBA lender summits, digital acquisition, field sales |
| Proprietary U.S. Data Assets | $300,000 | 20% | Acquiring mobility and merchant-spend data feeds for the top 10 U.S. high-growth metros (planned) |
| G&A & Operations | $150,000 | 10% | Leadership and operations, accounting, software, office, insurance |
| Legal, IP & Strategic Reserve | $150,000 | 10% | Delaware C-corp upkeep, USPTO filing for the BizLoc Score (not yet filed), strategic reserve |
| **Total** | **$1,500,000** | **100%** | |

**18-month roadmap (planned):**

| Phase | Months | Focus |
|---|---|---|
| 1: Agentic production | 1–4 | Core AI agents live in production; 24/7 market-alert engine; seed data ingestion |
| 2: Infrastructure scale | 5–8 | Predictive market stress-testing; data pipeline to the top 50 U.S. metros; institutional B2B data API beta |
| 3: Transactional autonomy | 9–12 | Agents for broker outreach; unit-level P&L forecasting; BizLoc Score embedded in SBA lender software |
| 4: Sovereign moat | 13–18 | Automated document verification; data self-refinement loops; SOC 2 Type II certification; pilot outside the U.S. |

18-month outcome target: Series A ready, SOC 2 Type II certified, institutional data partnerships active, top-50 U.S. metro coverage.

---

## Risks and mitigations

The decks have no dedicated risks slide. These points come from the deck and from BizLoc's internal investor-defense notes (August to October 2026).

| Risk | How BizLoc addresses it |
|---|---|
| No revenue yet | Months 1–6 validation roadmap with specific paid targets per stream before scaling |
| Score accuracy not yet proven at scale | BizLoc does not claim the score is fully validated against long-term business outcomes. The claim is that it is more structured than gut feel plus Google Maps. The seed funds larger labeled outcome datasets and statistical validation. |
| Data depth and data cost | BizLoc is not trying to match CoStar's raw data depth. The $300K data budget targets the datasets that most improve the score for physical-location founders. Data is modeled as an explicit cost |
| No licensed mobility or spend data today | Mobility and merchant-spend feeds are a planned purchase (20% of the raise). Three S.A.M. functions that reference mobility or foot traffic will be scoped to the data actually under contract |
| Market sizing could be optimistic | SAM and SOM are built bottom up from named populations at floor pricing. The TAM is the top of the range because the three markets may overlap. Part of the S1 SAM seat count sits above a sourced floor and is pending a primary citation |
| Capture rates are assumptions | SOM capture rates are disclosed planning assumptions, not survey data. They can be cut in diligence and the total recomputed |
| GTM spread too thin for a small team | Channels are sequenced: two or three run hard in Year 1, the rest wait until there is traffic. Channels that miss payback are paused. CRE listings and advertising revenue depend on founder traffic first and are treated as later upside |
| Institutional sales cycles | The data API activates only in Month 9 and starts with 2 lender design partners |
| Incumbents could copy the product | Incentive conflict with high-revenue professional customers, an architecture built for a 90-second founder verdict, single focus, low pricing, S.A.M., and a planned founder community |
| Key-person and small team | Two full-time cofounders with separate domains (CEO: vision, GTM, relationships; CTO: architecture and engineering). First hires add engineering capacity under the CTO |
| International data restrictions | Expansion is U.S. first. Markets with restrictive location-data rules (for example China) are excluded from the active plan |
| The score cannot guarantee success | The score is a risk assessment, not a guarantee. BizLoc does not price on outcomes or promise business results |

For a fuller risk discussion, email domenic@bizloc.biz.

---

## FAQ for investors

**1. What does BizLoc do, in one line?**
BizLoc is AI location intelligence for entrepreneurs: type an address and get a data-validated location risk score, the BizLoc Score, in about 90 seconds. S.A.M., its AI business agent with 72 founder tools, then takes the owner from location decision to launch.

**2. Who is the customer?**
The entrepreneur or small business owner choosing a physical location, usually with personal savings at stake. CRE agents, franchise owners, advertisers and lenders are later segments.

**3. Is there revenue or traction?**
BizLoc is pre-revenue. The MVP is live on the App Store and Google Play and scores any U.S. address. BizLoc is preparing a whitelist launch, and outreach about free counselor pilots is under way with four SBDC and SCORE centers. The company is bootstrapped, with $0 outside capital. User counts and pilot results are not in this file.

**4. How much are you raising, and on what terms?**
$1.5M on a SAFE with a $6M pre-money valuation cap and a 20% discount.

**5. Is this a seed or a pre-seed?**
BizLoc calls it a seed. Pre-seed money usually builds the MVP, and BizLoc's MVP is already live on both app stores. 80% of the raise ($525K product, $375K GTM, $300K data) scales a shipped product, takes it to market, and grows its data.

**6. How did you size the TAM?**
In the deck's own words: "Our TAM is three U.S. markets the BizLoc Score is built from: location intelligence, predictive analytics and agentic AI. Each is independently sized, and our SAM and SOM are built bottom up, not as a percentage of TAM." The TAM is $21.2B (2027P), growing to about $47B by 2031 and about $138B by 2035. All three use U.S.-only figures and growth rates.

**7. How realistic is the $16.4M Year-5 SOM? Why so small?**
It is small on purpose: a bottom-up floor of about 0.64% of SAM, using floor pricing and only the customers BizLoc expects to reach through mapped channels. It assumes no viral growth. Capture rates are disclosed planning assumptions that diligence can change. Data licensing beyond the floor, more lender partnerships and global expansion are upside outside the number.

**8. When do you break even?**
The 18-month model (October 27, 2026) projects EBITDA breakeven in Month 13, with about $83K average monthly burn, a cash low point of about $788K at Month 12, and about $975K of cash left at Month 18. These are projections.

**9. Will entrepreneurs pay $199?**
BizLoc compares it with the cost of a wrong location: build-out, deposits, inventory and personal guarantees. A one-time purchase also converts faster than requiring a subscription on day one. A free tier and free trial are available.

**10. Isn't this just SaaS with an AI wrapper?**
BizLoc calls itself Results as a Service: the customer buys a finished verdict, not access to a tool. Each score is an agentic workflow that pulls data, scores the address and returns a verdict. BizLoc does not price on outcomes or guarantee business results.

**11. How is BizLoc different from CoStar, LoopNet or SiteZeus?**
Those serve brokers, investors and franchise teams. They take hours to weeks and cost thousands per year. By BizLoc's own scoring, the closest, SiteZeus, overlaps about 60% with BizLoc's job. BizLoc gives a single founder a risk verdict in 90 seconds for $199 one-time or $125/month, plus an agent that helps after the decision.

**12. Why can't CoStar just copy this?**
BizLoc's answer: a founder-priced product conflicts with incumbents' high-revenue professional customers, needs a product rebuild rather than a new feature, and is BizLoc's only focus. Features can be copied; founder-level outcome data and a founder community are harder to copy.

**13. Does the score predict better than gut feel?**
BizLoc does not claim the score is fully proven at scale. It is more structured and data-grounded than the gut plus Google Maps process most founders use, and outcome validation is core seed work.

**14. Is the BizLoc Score patented?**
No patent has been filed. A USPTO filing for the methodology is planned and budgeted.

**15. Does BizLoc have licensed mobility or spend data?**
No. BizLoc does not claim licensed mobility or spend data today. Acquiring proprietary U.S. data assets is a planned use of 20% of the raise. Current data comes from paid data-provider APIs, including licensed property data.

**16. Where does the $107B capital-at-risk figure come from?**
2.94M physical-location applicants (Census BFS) × $75K average startup capital for physical businesses (Lendio 2024) × 48.6% closing within three years (BLS). Even at $50K, it is about $70B.

**17. What is S.A.M.?**
BizLoc's in-app AI business agent, in development. It has 72 functions in four groups of 18: Site and Money, Concept and Menu, Launch and Brand, and Operate and Protect. Every job starts from a scored address. The full list is in the S.A.M. section above.

**18. Who is on the team?**
Domenic Chiaromonte (Cofounder & CEO; 25 years as an operator, scaled a hospitality group to 300+ employees) and Divine Abhulimen (Cofounder & CTO, full time; architect of the H.A.L.O. platform and author of BizLoc's code). Both have been full time since October 2025.

**19. Can we see a demo?**
Yes. Download BizLoc from the App Store or Google Play, or ask Domenic for a live walkthrough of an address.

**20. What is the next step to invest?**
Email domenic@bizloc.biz for the diligence pack: deck, 18-month model, assumptions and a product walkthrough.

---

## Contact

- **Domenic Chiaromonte**, Cofounder & CEO: domenic@bizloc.biz
- Website: https://bizloc.biz
- Deck: https://docsend.com/v/m6kbw/bizlocdeck

For anything not covered here (cap table, full financial model, data provider details, product demo), email domenic@bizloc.biz.