Underwriter‑ready, 1p., "At A Glance" Executive Summary, 3-year pro forma financials,
Proprietary Fundability Ratio™ Score, Matching Slide Deck, & 60-second Video in 48 hours.
Free revisions for you and your bank for 90 days. Guaranteed.
$750 split into 2 payments. $375 to start. $375 to receive deliverables.
The new alternative to traditional business plans
Better, Faster & More Affordable than a traditional business plan
Dr. Alexander Durig, Founder 48-Hour Loan Proposal™ Creator of the Fundability Ratio™
| Feature / Benefit | HCBSGuide | Consulting Firms |
|---|---|---|
| CMS Final Rule Alignment | Fully integrated throughout the manual | Often partial or outdated |
| State‑Specific Compliance | Included and updated | Usually generic templates |
| Audit‑Ready Formatting | Organized for surveyor clarity | Varies widely |
| Manual Updates | Free with subscription; versioned updates delivered automatically | Often requires new purchase |
| Turnaround Time | Fast delivery | Weeks or months |
| Cost | Affordable, transparent pricing | $3,500–$15,000+ |
| Founder Expertise | Written by Alexander Durig, Founder, 48-Hour Loan Proposal™ Creator of the Fundability Ratio™ | Often written by general consultants |
| Affiliate Partnerships | Available for consultants | Rare or nonexistent |
Lender‑ready, 1-page "At A Glance" Executive Summary" with 3-year pro forma financials, matching slide deck & 60-second video. Structured for clarity with precise financials and our Proprietary Fundability Ratio™ score that bank loan officers and underwriters want to see.
48-Hour Loan Proposal™ — $375Why the business plan industry is not just in a slump, it’s in structural collapse.
• The Death of the Static Document: Founders are no longer willing to spend weeks drafting 30-page text documents.
Investors are actively penalizing bloated plans, preferring agile, data-backed models. And no bank loan officer or underwriter out there is looking forward to reading their 2000th business plan.
• The "Solo-Operator" Boom: New business applications surged past 5.7 million. However, because generative AI now allows a single person to handle design, copywriting, and marketing, these founders are skipping formal agency planning entirely.
• Stricter Lending Guardrails: Higher interest rates and strict bank protocols mean that standard, boilerplate business plans no longer guarantee funding approvals, driving down trust in basic templates.
It takes more than fluff and storytelling to get a loan nowadays. It takes pinpoint financial accuracy.
Bank-ready, underwriter-ready loan proposals in 48 hours. Free revisions for you and your bank for 90 days.
Every 48-Hour Loan Proposal™ is customized to your business and your background.
HCBS compliance is complex. But your documentation doesn’t have to be. We build complete, structured, CMS‑aligned manuals that help providers:
This professionally developed manual includes all required HCBS compliance domains, operational standards, and audit-ready documentation.
Alexander Durig, PhD — Loan Proposal Specialist
View Your Custom Service Agreement
We'll work together to create your customized Service Agreement. This allows you to create exactly the Service Model you want to present. It lays the foundation for our work together and it ensures no surprises along the way.
Clear, transparent pricing for HCBS providers in all 50 states.
Professional business writer for 20 years; HCBS Document Consultant specializing in waiver documentation, policies, manuals, and regulatory guidance for providers across all 50 states.
I help Home and Community-Based Services (HCBS) providers stay compliant by creating clear, accurate, and state‑aligned documentation. My work includes Policies & Procedures Manuals, Employee Handbooks, Member Handbooks, PCSP templates, Pro Forma Revenue Models and Financilal Projections, Appendix Sets, and ongoing regulatory updates.
With decades of experience writing complex organizational documents, I focus on making HCBS compliance simple, understandable, and fully aligned with each state’s Administrative Code. Every manual and template is built to be practical, professional, and ready for audits, enrollment, and day‑to‑day operations.
Whether you are launching a new agency or updating existing documentation, I provide reliable HCBS document support for providers in all 50 states.
Clear answers for HCBS providers in all 50 states.
[1] HCBSGuide Founder and Owner, Dr. Alexander Durig has been writing complex documents online for clients since 2006 and there is not one complaint anywhere online with his name on it.
[2] HCBSGuide gives every client a 100% client-satisfaction-or-your-money-back guarantee. Click on the button below and "View the HCBSGuide Guarantee and Return Policy."
[2] Plus when you transact using our merchant account, Stripe, your are also fully backed up by Stripe with a client-satisfaction-or-your-money-back guarantee.
View the HCBSGuide Guarantee and Return Policy
HCBSGuide Guarantee and Return Policy
Policies, Manuals and Compliance You Can Trust.
We provide professional HCBS documentation and compliance support for providers in all 50 states.
HCBS Policies & Procedures Manuals: State-Specific Policies & Procedures Manuals that are fully aligned with your State's licensing rules.
Employee and Member Handbooks: Complete HR and participant onboarding frameworks plus your Home's policies with signature pages.
PCSP Template & special Appendices Set A–G: Detailed policy addenda plus ready-to-use operational forms.
New Agency Startup Package: P&P Manual, Handbooks, Forms and Templates - everything you need to document your Agency's case from application to ongoing daily operations.
Regulatory Updates Subscription: Regulatory Peace of Mind with access to our $30/month Policy Alert Updates Subscription to keep you compliant long after approval.
HCBS Compliance Consulting: $125 – $175/hour
Yes. HCBSGuide was launched to support HCBS providers across all waiver types and service categories in all 50 states.
Most HCBS Policies & Procedures Manuals are completed within 7–14 days depending on state requirements.
Yes. All manuals and templates are aligned with your state’s Administrative Code and HCBS requirements.
No problem at all. All HCBS documents include unlimited free revisions to update your Policies & Procedures Manual, Handbooks, PCSP templates, and Appendices as many times as needed until they fully match your agency’s operations, your state’s requirements, and any requests from auditors, reviewers, or lenders at no additional cost to you.
Yes. The HCBS $30/month Policy Alert Updates Subscription will provide you with ongoing regulatory updates and living document support to keep your materials current.
Your documents are living documents. They will need to be updated whenever federal or state-level policy changes or rules are enacted. This can happen at any time and historically federal and state-level policies can and do change from time to time.
With HCBS $30/month Policy Alert Updates you will always be appraised of policy changes and your Agency and your living documents will always be up-to-date and ready for every inspection or audit. This includes the revenue models in your pro forma financials being redone in the event of any changes in Medicaid reimbursements.
Use the consultation form below or contact me directly by phone or email.
Stay compliant year‑round with automatic policy alerts, manual updates, CMS guidance summaries, and state‑specific regulatory changes delivered directly to your inbox.