@soulcraft/kits 1.0.0

package/kits/business-plan/skills/competitor-analysis/SKILL.md

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+---
+name: Analyze Competitors
+description: Map the competitive landscape
+type: invocable
+version: "1.0.0"
+---
+
+## Analyze Competitors
+
+Map the competitive landscape
+
+### Steps
+
+1. List direct competitors (same product, same market)
+2. List indirect competitors (different product, same need)
+3. For each competitor: strengths, weaknesses, market position
+4. Create comparison matrix on key features
+5. Identify your competitive advantages
+6. Determine barriers to entry in your market
+7. Document how you'll defend against competition
+8. Update Competitor Analysis section
+
+### Expected Outputs
+
+- Competitor matrix
+- Competitive positioning
+
+### When to Use
+
+This workflow is helpful when the user mentions:
+- "competitors"
+- "competition"
+- "competitive analysis"
+- "market position"

package/kits/business-plan/skills/financial-modeling/SKILL.md

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+---
+name: financial-modeling
+description: Financial projections, unit economics, and business model analysis
+type: invocable
+version: "1.0.0"
+---
+
+## Financial Modeling Skill
+
+When the user invokes `/financials`, help them build financial models and projections for their business plan.
+
+### Invocation Patterns
+
+- `/financials` - Build comprehensive financial model
+- `/financials unit-economics` - Calculate unit economics
+- `/financials projections` - 3-5 year revenue projections
+- `/financials break-even` - Break-even analysis
+
+### Unit Economics Framework
+
+**Key Metrics by Business Model**
+
+**SaaS/Subscription**
+- CAC (Customer Acquisition Cost)
+- LTV (Lifetime Value)
+- LTV:CAC Ratio (target 3:1+)
+- Payback Period
+- MRR/ARR
+- Churn Rate
+- Net Revenue Retention
+
+**E-commerce/Retail**
+- CAC
+- AOV (Average Order Value)
+- Gross Margin
+- Repeat Purchase Rate
+- Customer Lifetime Purchases
+
+**Marketplace**
+- Take Rate
+- GMV (Gross Merchandise Value)
+- Buyer CAC
+- Seller CAC
+- Liquidity metrics
+
+### Unit Economics Calculations
+
+**CAC (Customer Acquisition Cost)**
+```
+CAC = Total Sales & Marketing Spend / New Customers Acquired
+```
+Include: ads, sales salaries, marketing tools, content costs
+
+**LTV (Lifetime Value)**
+```
+LTV = ARPU × Gross Margin × Average Customer Lifespan
+```
+Or for subscription:
+```
+LTV = (ARPU × Gross Margin) / Churn Rate
+```
+
+**Payback Period**
+```
+Payback = CAC / (ARPU × Gross Margin)
+```
+
+### Revenue Projection Model
+
+**Build Bottom-Up**
+1. Start with customer acquisition assumptions
+2. Apply conversion rates at each funnel stage
+3. Factor in churn/retention
+4. Calculate revenue per customer segment
+5. Project 3-5 years with sensitivity ranges
+
+**Key Assumptions to Document**
+- Customer acquisition growth rate
+- Conversion rates by channel
+- Pricing changes over time
+- Churn trends
+- Expansion revenue
+- Seasonality
+
+### Financial Statements
+
+**Income Statement (P&L) Projections**
+```
+Revenue
+- Cost of Goods Sold (COGS)
+= Gross Profit
+- Operating Expenses
+  - Sales & Marketing
+  - Research & Development
+  - General & Administrative
+= Operating Income (EBITDA)
+- Depreciation & Amortization
+= EBIT
+- Interest
+= EBT
+- Taxes
+= Net Income
+```
+
+**Cash Flow Projection**
+- Operating cash flow
+- Investing activities
+- Financing activities
+- Runway calculation
+
+### Break-Even Analysis
+
+**Break-Even Point**
+```
+Break-Even Units = Fixed Costs / (Price - Variable Cost per Unit)
+```
+
+**Break-Even Revenue**
+```
+Break-Even Revenue = Fixed Costs / Gross Margin %
+```
+
+### Output Format
+
+```markdown
+## Financial Model: [Company Name]
+
+### Unit Economics Summary
+| Metric | Current | Target | Industry Benchmark |
+|--------|---------|--------|-------------------|
+| CAC | $X | $Y | $Z |
+| LTV | $X | $Y | $Z |
+| LTV:CAC | X:1 | 3:1 | 3-5:1 |
+| Payback | X months | Y months | <12 months |
+| Gross Margin | X% | Y% | Z% |
+
+### Revenue Projections (3-Year)
+| Year | Y1 | Y2 | Y3 |
+|------|-----|-----|-----|
+| Revenue | $X | $Y | $Z |
+| Customers | X | Y | Z |
+| Gross Profit | $X | $Y | $Z |
+| Net Income | $X | $Y | $Z |
+
+### Key Assumptions
+1. [Assumption 1 with rationale]
+2. [Assumption 2 with rationale]
+
+### Sensitivity Analysis
+- **Bull Case**: [Optimistic scenario]
+- **Base Case**: [Expected scenario]
+- **Bear Case**: [Conservative scenario]
+
+### Funding Requirements
+- Runway at current burn: X months
+- Capital needed for [milestone]: $Y
+- Use of funds breakdown:
+  - Product: X%
+  - Sales/Marketing: Y%
+  - Operations: Z%
+```
+
+### Financial Model Red Flags
+
+**Avoid These Mistakes**
+- "Hockey stick" growth without justification
+- Ignoring churn or assuming it's zero
+- Underestimating CAC
+- Forgetting COGS scales with revenue
+- Not modeling cash flow (profitable ≠ solvent)
+- No sensitivity analysis
+
+### Best Practices
+
+- Document all assumptions clearly
+- Use ranges, not single-point estimates
+- Compare to industry benchmarks
+- Update model with actuals monthly
+- Build scenarios (bull/base/bear)
+- Show path to profitability

package/kits/business-plan/skills/financial-projections/SKILL.md

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+---
+name: Build Financial Projections
+description: Create realistic 3-year financial projections
+type: invocable
+version: "1.0.0"
+parameters: [revenueModel]
+---
+
+## Build Financial Projections
+
+Create realistic 3-year financial projections
+
+### Steps
+
+1. List all revenue streams and pricing
+2. Project customer/unit growth monthly for Year 1
+3. Calculate revenue = customers × price × frequency
+4. List all costs: fixed (rent, salaries) and variable (COGS, marketing)
+5. Build P&L: Revenue - COGS = Gross Profit - Operating Expenses = Net Income
+6. Build cash flow: When does money actually come in and go out?
+7. Identify break-even point
+8. Document key assumptions
+9. Stress test: What if growth is 50% lower?
+
+### Inputs Required
+
+- **revenueModel** (required): How you charge customers
+
+### Expected Outputs
+
+- 3-year P&L
+- Cash flow projection
+- Break-even analysis
+
+### When to Use
+
+This workflow is helpful when the user mentions:
+- "financial projections"
+- "P&L"
+- "cash flow"
+- "forecast"
+- "break-even"

package/kits/business-plan/skills/kit-expertise/SKILL.md

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+---
+name: kit-expertise
+description: Domain expertise for Business Plan - applied automatically when working in this kit
+type: background
+version: "1.0.0"
+---
+
+## Your Role
+
+You are a seasoned business consultant and strategic planner who has helped hundreds of businesses create compelling business plans. You understand what banks, investors, and accelerators look for, and you provide practical, actionable advice grounded in business fundamentals.
+
+## Your Expertise
+
+- Business plan structure and writing
+- Financial modeling and projections
+- Market research and analysis
+- Competitive strategy
+- Operations planning
+- Risk assessment
+- Funding strategies
+- SBA loan requirements
+
+## Your Approach
+
+Guide and teach the user, helping them understand concepts deeply
+
+## Things to Avoid
+
+- Don't encourage unrealistic projections
+- Don't skip over risks and challenges
+- Don't use jargon without explanation
+- Don't make promises about funding outcomes
+
+## Domain Knowledge
+
+### Key Terms
+
+**executive summary**
+1-2 page overview of the entire business plan
+
+**value proposition**
+Clear statement of the benefit you provide to customers
+
+**TAM/SAM/SOM**
+Total/Serviceable/Obtainable market sizes
+
+**SWOT**
+Strengths, Weaknesses, Opportunities, Threats analysis
+
+**P&L**
+Profit and Loss statement
+
+**cash flow**
+Money moving in and out of the business
+
+**burn rate**
+Rate at which a startup spends money
+
+**runway**
+How long until money runs out
+
+**break-even**
+Point where revenue equals costs
+
+**gross margin**
+Revenue minus cost of goods sold
+
+**CAC**
+Customer Acquisition Cost
+
+**LTV**
+Lifetime Value of a customer
+
+**working capital**
+Cash needed for day-to-day operations
+
+### Best Practices
+
+- Executive summary should be 1-2 pages max
+- Financial projections should cover 3-5 years
+- Include monthly projections for year 1, quarterly for years 2-3
+- Back up market claims with cited sources
+- Be conservative in revenue projections, realistic on costs
+- Address risks directly and show mitigation plans
+- Include clear funding request and use of funds
+
+### Common Mistakes to Avoid
+
+- Hockey stick projections without justification
+- Ignoring competition or claiming none exists
+- Vague market sizing ('huge market')
+- Missing or unrealistic financial assumptions
+- Writing executive summary first instead of last
+- Not addressing obvious risks
+- Using industry jargon without explanation
+
+### Recommended References
+
+- [SBA Business Plan Guide](https://www.sba.gov/business-guide/plan-your-business/write-your-business-plan): Official SBA guidelines for business plans
+- [SCORE Templates](https://www.score.org): Free business plan templates and mentoring
+- **Business Model Generation**: Osterwalder's business model canvas approach

package/kits/business-plan/skills/market-analysis/SKILL.md

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+---
+name: market-analysis
+description: Comprehensive market analysis including TAM/SAM/SOM, competitive landscape, and market trends
+type: invocable
+version: "1.0.0"
+---
+
+## Market Analysis Skill
+
+When the user invokes `/market`, help them conduct thorough market analysis for their business plan.
+
+### Invocation Patterns
+
+- `/market` - Start comprehensive market analysis
+- `/market tam` - Focus on market sizing (TAM/SAM/SOM)
+- `/market competition` - Competitive analysis
+- `/market trends` - Industry trends and dynamics
+
+### Market Sizing Framework
+
+**TAM (Total Addressable Market)**
+- The total market demand for a product or service
+- Assumes 100% market share (theoretical maximum)
+- Calculate: Total potential customers × Annual value per customer
+
+**SAM (Serviceable Addressable Market)**
+- The segment of TAM targeted by your products/services
+- Limited by geography, customer segment, product capability
+- More realistic target than TAM
+
+**SOM (Serviceable Obtainable Market)**
+- The portion of SAM you can realistically capture
+- Based on competitive position, resources, go-to-market
+- Short-term (1-3 year) achievable target
+
+### Market Sizing Methods
+
+**Top-Down Analysis**
+1. Start with total industry size (from reports, analysts)
+2. Apply filters for your specific segment
+3. Risk: Can overestimate if filters aren't rigorous
+
+**Bottom-Up Analysis**
+1. Start with unit economics and customer count
+2. Build up from granular data
+3. More credible to investors, but harder to calculate
+
+**Value Theory**
+1. Calculate value created for customers
+2. Determine what portion of value you can capture
+3. Useful for new/disruptive markets
+
+### Competitive Analysis Framework
+
+**Direct Competitors**
+- Same product/service to same market
+- Analyze: Features, pricing, positioning, market share
+
+**Indirect Competitors**
+- Alternative solutions to same problem
+- Include: Manual processes, workarounds, inaction
+
+**Potential Competitors**
+- Adjacent players who could enter
+- Include: Upstream/downstream, well-resourced companies
+
+### Competitive Analysis Matrix
+
+| Factor | Your Company | Competitor A | Competitor B |
+|--------|--------------|--------------|--------------|
+| Price Point | | | |
+| Key Features | | | |
+| Target Customer | | | |
+| Go-to-Market | | | |
+| Strengths | | | |
+| Weaknesses | | | |
+
+### Porter's Five Forces
+
+1. **Threat of New Entrants**
+   - Barriers to entry (capital, expertise, regulations)
+   - Brand loyalty and switching costs
+
+2. **Bargaining Power of Suppliers**
+   - Number and concentration of suppliers
+   - Uniqueness of inputs
+
+3. **Bargaining Power of Buyers**
+   - Customer concentration
+   - Price sensitivity
+   - Switching costs
+
+4. **Threat of Substitutes**
+   - Alternative solutions
+   - Price-performance of substitutes
+
+5. **Industry Rivalry**
+   - Number and size of competitors
+   - Industry growth rate
+   - Differentiation levels
+
+### Market Trends Analysis
+
+**PESTEL Framework**
+- **P**olitical: Regulations, policy changes
+- **E**conomic: Growth rates, inflation, unemployment
+- **S**ocial: Demographics, cultural shifts
+- **T**echnological: Innovation, disruption
+- **E**nvironmental: Sustainability, climate
+- **L**egal: Laws, compliance requirements
+
+### Output Format
+
+```markdown
+## Market Analysis: [Company/Product Name]
+
+### Executive Summary
+[2-3 sentence overview of market opportunity]
+
+### Market Size
+| Metric | Value | Methodology |
+|--------|-------|-------------|
+| TAM | $X | [Calculation basis] |
+| SAM | $Y | [Segment definition] |
+| SOM | $Z | [Capture assumptions] |
+
+### Market Growth
+- Historical CAGR: X%
+- Projected CAGR: Y%
+- Key growth drivers: [List]
+
+### Competitive Landscape
+[Analysis of competitors with positioning map]
+
+### Market Trends
+[Key trends affecting the market]
+
+### Opportunities & Risks
+**Opportunities**
+- [List key opportunities]
+
+**Risks**
+- [List market risks]
+
+### Sources
+[Cite all data sources for credibility]
+```
+
+### Best Practices
+
+- Always cite sources for market data
+- Use multiple sizing methodologies to triangulate
+- Be conservative in SOM estimates
+- Update analysis as market evolves
+- Include both quantitative and qualitative insights

package/kits/business-plan/skills/market-research/SKILL.md

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+---
+name: Conduct Market Research
+description: Research and document market size and trends
+type: invocable
+version: "1.0.0"
+---
+
+## Conduct Market Research
+
+Research and document market size and trends
+
+### Steps
+
+1. Define your target market precisely
+2. Calculate TAM using bottom-up method
+3. Identify SAM: What portion can you actually reach?
+4. Project SOM: Realistic market capture
+5. Research industry trends and growth rates
+6. Identify market drivers and barriers
+7. Document all sources for credibility
+8. Update Market Analysis section
+
+### Expected Outputs
+
+- Market sizing
+- Industry analysis
+- Source citations
+
+### When to Use
+
+This workflow is helpful when the user mentions:
+- "market research"
+- "market size"
+- "TAM"
+- "industry analysis"

package/kits/business-plan/skills/sba-compliance/SKILL.md

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+---
+name: sba-compliance
+description: Background expertise in SBA loan requirements and business plan standards for funding applications
+type: background
+version: "1.0.0"
+---
+
+## SBA Compliance Expertise
+
+You have expertise in Small Business Administration (SBA) loan requirements and business plan standards. Apply this knowledge when helping users prepare business plans for SBA loans or traditional bank financing.
+
+### SBA Business Plan Requirements
+
+The SBA recommends business plans include these sections:
+
+**1. Executive Summary**
+- Business concept and opportunity
+- Financial features (funding requirements, projections)
+- Current business position
+- Major achievements
+- Keep to 1-2 pages maximum
+
+**2. Company Description**
+- Legal structure (LLC, S-Corp, C-Corp, Sole Proprietorship)
+- History and milestones
+- Mission and vision statements
+- Nature of business
+- Target market overview
+
+**3. Market Analysis**
+- Industry description and outlook
+- Target market characteristics
+- Market size and growth
+- Competitive analysis
+- Regulatory environment
+
+**4. Organization & Management**
+- Organizational structure
+- Ownership information
+- Management team bios
+- Board of directors (if applicable)
+- Advisory board
+
+**5. Service/Product Line**
+- Product/service descriptions
+- Benefits to customers
+- Product lifecycle
+- Intellectual property
+- R&D activities
+
+**6. Marketing & Sales**
+- Marketing strategy
+- Sales strategy
+- Pricing strategy
+- Distribution channels
+
+**7. Funding Request**
+- Current funding requirements
+- Future funding needs (5-year outlook)
+- Use of funds
+- Strategic financial plans (acquisition, going public, etc.)
+
+**8. Financial Projections**
+- Income statements (3-5 years)
+- Balance sheets
+- Cash flow statements
+- Capital expenditure budgets
+- Break-even analysis
+
+**9. Appendix**
+- Credit history
+- Resumes
+- Permits and licenses
+- Legal documents
+- Contracts
+
+### SBA Loan Types
+
+**7(a) Loans** (Most Common)
+- Up to $5 million
+- Working capital, equipment, real estate
+- Requires good credit, business plan, collateral
+
+**504 Loans**
+- Real estate and equipment
+- Fixed assets only
+- Lower down payment requirements
+
+**Microloans**
+- Up to $50,000
+- Startups and small businesses
+- Often include technical assistance
+
+### Financial Documentation Requirements
+
+**Historical Financials**
+- 3 years of tax returns (business and personal)
+- Year-to-date financials
+- Balance sheet
+- Profit & loss statement
+
+**Projections**
+- Monthly cash flow (Year 1)
+- Annual projections (Years 2-5)
+- Assumptions documentation
+- Break-even analysis
+
+### Key SBA Eligibility Criteria
+
+**Business Must Be**
+- For-profit
+- Operating in the US
+- Owner invested equity
+- Exhausted other financing options
+- Meet size standards (varies by industry)
+
+**Owner Requirements**
+- US citizen or permanent resident
+- No recent bankruptcy
+- Good personal credit (typically 680+)
+- No criminal history
+- Industry experience preferred
+
+### Common SBA Business Plan Mistakes
+
+**Content Issues**
+- Missing sections required by SBA
+- Unrealistic financial projections
+- No clear use of funds
+- Vague market analysis
+- Missing management bios
+
+**Financial Issues**
+- No supporting assumptions for projections
+- Inconsistent numbers across documents
+- Missing break-even analysis
+- No cash flow statement
+- Projections don't align with loan request
+
+**Documentation Issues**
+- Missing tax returns
+- Incomplete financial statements
+- No collateral documentation
+- Missing licenses/permits
+- Unsigned documents
+
+### Best Practices for SBA Plans
+
+1. **Be Specific**: Use actual numbers, not ranges
+2. **Be Realistic**: Conservative projections are more credible
+3. **Be Complete**: Include all required sections
+4. **Be Consistent**: Numbers should match across documents
+5. **Be Professional**: Format matters for bank presentations
+6. **Document Everything**: Assumptions, sources, calculations
+
+### When Reviewing Business Plans
+
+- Check all 9 required sections are present
+- Verify financial projections have documented assumptions
+- Ensure use of funds is clearly specified
+- Confirm management experience is relevant
+- Validate market analysis includes competition
+- Check legal structure is clearly stated