MASTER CAPITAL

📘 MASTER CAPITAL ARCHITECTURE DOCUMENT

Keyspark Underground Construction & Keyspark Supply

Prepared by: PASSION (Consultant)

Purpose:

To present a complete, compliant, multi‑layered capital, certification, tax, and contracting architecture aligned with SSBCI, SBA, federal contracting, and state economic development frameworks.

SECTION 1 — SSBCI CAPITAL PROGRAM PACKET (MISSISSIPPI)

1.1 — Mississippi SSBCI Program Alignment

Sparkey Construction & Keyspark Supply qualify for:

Mississippi CDFI Small Business Loan Fund

Loan Guarantee Program

Collateral Support Program

Venture Capital Program

Direct Investment Program

SSBCI Technical Assistance Program

SEDI status increases priority and approval probability.

1.2 — SSBCI Disbursement Request File

Includes:

Use of funds

SEDI qualification

Collateral documentation (home + truck)

Job creation plan (22 jobs)

Compliance certifications

Required attachments

1.3 — SSBCI Quarterly Reporting Templates

Treasury‑aligned templates for:

Loan‑level data

Demographics

SEDI impact

Job creation

Use of funds

Compliance

1.4 — SSBCI Technical Assistance Integration

TA supports:

Tax cleanup

Accounting

Loan readiness

Financial management

Business planning

1.5 — Mississippi SSBCI Program Flow

TA support

SSBCI‑supported loan application

SSBCI credit enhancement

SBA 7(a) approval

Quarterly reporting

SECTION 2 — SBA 7(a) LOAN READINESS FILE ($2,000,000)

2.1 — Executive Summary

Request: $2,000,000 SBA 7(a)

Supported by:

$200k–$300k equity injection

SSBCI guarantee

SSBCI collateral support

18‑wheeler collateral

Strong revenue potential

2.2 — Loan Request Summary

Loan type: SBA 7(a)

Term: Up to 10 years

Purpose: Equipment, working capital, payroll, software, reserves

2.3 — Use of Funds

$1.2M MUDbots

$300k working capital

$200k payroll

$100k software

$200k reserves

2.4 — Equity Injection

Home equity extraction: $200k–$300k

2.5 — Collateral Summary

Home ($400k)

18‑wheeler ($40k–$120k)

MUDbots ($1.2M)

Business assets

2.6 — SBA Eligibility Enhancers

SEDI status

High job creation

Government contracting alignment

SSBCI support

2.7 — Required SBA Documents

Business plan

3‑year projections

Tax returns (post‑cleanup)

PFS

Bank statements

Collateral documentation

2.8 — Financial Projections

Year 1: $4M–$6M

Year 2: $8M–$12M

Year 3: $15M–$20M

2.9 — Risk Mitigation

SSBCI guarantee

Strong collateral

High‑demand industry

TA support

SECTION 3 — CAPITAL STACK BLUEPRINT

3.1 — Overview

Four‑layer capital stack:

Home equity

Equipment‑backed capital

SSBCI credit enhancements

SBA senior debt

3.2 — Home Equity Capital

$200k–$300k available

Exceeds SBA requirements

3.3 — Equipment‑Backed Capital

18‑wheeler valued at $40k–$120k

Supports collateral enhancement

3.4 — SSBCI Credit Enhancements

Loan guarantee

Collateral support

Participation loans

TA support

3.5 — SBA Senior Debt

$2M request

Strong underwriting position

3.6 — Capital Stack Summary Table

Total capital: $2.24M–$2.42M

3.7 — Flow Diagram

Home equity → SBA injection

Truck → collateral

SSBCI → risk reduction

SBA → growth capital

3.8 — Risk Mitigation

Collateral strength

Credit enhancement

Revenue strength

TA support

SECTION 4 — TAX CLEANUP STRATEGY (2019–2024)

4.1 — Executive Summary

6 years of missing returns require remediation.

4.2 — Years Requiring Filing

2019–2024.

4.3 — Required Documentation

Income, expenses, assets, business docs.

4.4 — Reconstruction Process

Document collection

Year‑by‑year reconstruction

Filing

IRS compliance restoration

SBA integration

4.5 — SSBCI TA Integration

TA covers accounting, loan readiness, compliance.

4.6 — SBA Requirements

3 years returns

Transcripts

No unresolved tax issues

4.7 — Cost Structure

$12,500–$25,000 + $2,500 advisory.

4.8 — Timeline

6–12 weeks.

4.9 — Risk Mitigation

Restores compliance and lender confidence.

SECTION 5 — CERTIFICATION ROADMAP

5.1 — Executive Summary

Certifications unlock $20M–$40M/year contracting.

5.2 — Certification Portfolio

8(a)

HUBZone

MBE

DBE

OZ alignment

VOSB (if applicable)

WOSB (if spouse involved)

State certifications

5.3 — 8(a)

Sole‑source up to $4M.

5.4 — HUBZone

10% price preference.

5.5 — MBE

State/local contracting.

5.6 — Opportunity Zone

Tax incentives.

5.7 — VOSB

VA contracting.

5.8 — WOSB

Women‑owned set‑asides.

5.9 — DBE

DOT infrastructure.

5.10 — State Certifications

Mississippi + Missouri.

5.11 — Certification Sequence

MBE

State

HUBZone

DBE

8(a)

WOSB/VOSB

OZ

5.12 — Contracting Targets

Federal, state, municipal, private.

SECTION 6 — MUDBOTS ACQUISITION PLAN ($1.2M)

6.1 — Executive Summary

$1.2M 3D printer enables $4M/month revenue.

6.2 — Equipment Overview

Industrial printer + software + training.

6.3 — Operational Capacity

8–12 homes/month.

6.4 — Revenue Model

$14M–$36M/year residential

$20M–$40M/year contracting

6.5 — Workforce Plan

14–16 staff.

6.6 — Logistics

18‑wheeler supports deployment.

6.7 — Contracting Integration

Supports FEMA, HUD, DOT, DOE, etc.

6.8 — Risk Mitigation

SSBCI + collateral + demand.

6.9 — Financial Justification

Equipment pays for itself in 1–3 months.

SECTION 7 — PR BANK PASSPORT

7.1 — Business Identity

Sparkey Construction & Keyspark Supply.

7.2 — Ownership

100% Sparkey.

7.3 — Asset Profile

Home, truck, equipment, software.

7.4 — Capital Stack Summary

$2.24M–$2.42M.

7.5 — SSBCI Alignment

Eligible for all MS programs.

7.6 — SBA Alignment

Strong underwriting position.

7.7 — Certification Profile

8(a), HUBZone, MBE, DBE, etc.

7.8 — Revenue Model

$48M/year potential.

7.9 — Risk Mitigation

Collateral + SSBCI + compliance.

7.10 — Compliance Checklist

Identity, financials, collateral, certifications, SSBCI.

SECTION 8 — NATIONAL PPP MODEL (1,500 CLIENTS)

8.1 — Executive Summary

30 clients × 50 states = 1,500 PPPs.

8.2 — Program Structure

Each client receives full capital + certification + compliance system.

8.3 — SSBCI Integration

All 50 states.

8.4 — SBA Integration

7(a), 504, microloans.

8.5 — Asset Leverage

Homes, land, vehicles, aircraft, watercraft.

8.6 — Contracting Pipeline

Federal, state, municipal, private.

8.7 — Participant Revenue

$2M–$40M/year.

8.8 — PASSION’s Revenue

$135M–$270M total.

8.9 — National Impact

$10B+ contracting capacity.

⭐ MASTER DOCUMENT COMPLETE