Express Melts & Sandwiches

Feeding The Heroes Who Heal Us

Mobile Food Truck With A Purpose • Hornell, NY

Executive Summary

Community-First, Numbers-Driven

Express Melts & Sandwiches operates under Bacon Lovers LLC as a family-run, EMS-themed food truck designed to serve healthcare workers, first responders, local employees, and nearby residents in Hornell, NY. Our goal is simple: provide high-quality, made-to-order meals in under five minutes, right where people work and receive care.

The business will launch from a converted ambulance and focus its regular schedule around the St. James Hospital area (our primary target service location, with no formal affiliation at this time), nearby businesses, and community events. The concept is built on three pillars:

  • Speed: Fast service that fits into a 15–30 minute break window.
  • Quality: Fresh, reliable food that beats typical gas station or fast-food options.
  • Discipline: Every recipe costed to the penny and a conservative, risk-aware budget.
Capital Request
$20,000
5-year term, 8% APR (company debt, not owner loan)
Year 1 Revenue (Projected)
$68K
Based on 30 customers/day and conservative pricing
Net Margin (Projected)
31%
After operating expenses, debt service, and owner draw
Debt Coverage
7.2×
Year 1 projected EBITDA vs. annual loan payment

Ownership & Management

Member Ownership Voting Role
Krista M. Grove 50% 38% Operations & Community Relations
Michael R. Grove 25% 38% Managing Member & Financial Control
Trevor J. Grove 25% (vesting) 24% Support & Logistics

The company is manager-managed. Michael R. Grove serves as Managing Member with authority over day-to-day operations, budgeting within the approved plan, and vendor relationships. Certain major decisions (e.g., debt over $20,000 or single purchases over $6,000) require a member vote, but the Managing Member cannot be removed except by his own written consent or unanimous written agreement of all members.

To prioritize stability, owners plan to operate with no or minimal draws for the first three months. After the business is generating consistent positive cash flow, the intent is to distribute up to 75% of net profit among members according to ownership percentages, with flexibility for the Managing Member to defer his own draw to strengthen reserves.

Community Commitment

Purpose Beyond Profit

This venture is built by a family that has experienced both the strain of emergency work and the uncertainty of not knowing where the next meal will come from. That perspective shapes how Express Melts & Sandwiches will operate once it is stable and profitable.

Long-term, the company plans to reinvest in the community by offering free or heavily discounted meals to first responders, veterans, and neighbors in need during designated events and slow periods. The priority in year one is disciplined execution, honoring all financial obligations, and building a reliable operation that lenders and the community can trust.

In short: we are not asking for a chance to experiment—we are asking for the opportunity to execute a carefully prepared plan that serves our local heroes and keeps risk to lenders low.