Servitium — Financial Model

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Year 1 revenue

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Year 2 revenue

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Year 3 revenue

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3-year cumulative · all streams

How this model works: Revenue is driven by a real go-to-market machine — student field teams visit businesses, a BD hire closes brokerages, churn is modelled, and transaction fees activate as the consumer side grows. Change any input and the whole model recalculates. Think of it like a sales funnel with real numbers.

Go-to-market engine

Student field teams visit local businesses, film content, onboard them to the platform. A BD hire manages students and closes brokerage LOIs. These inputs drive everything below.

Field team size

Students (Y1 · $22/hr, 20 visits/wk each)10

Students (Y2)20

Students (Y3 — multiple cities)50

Conversion & churn

BD-accompanied conversion % (M1–2)10%

Student-only conversion % (M3+)8%

Monthly churn Y115%

Monthly churn Y27%

Monthly churn Y34%

Stream 1 — Solo businesses (all industries)

Any solo business owner, 0–4 employees, any industry. $25/month subscription (first month free). Platform earns 7% on completed transactions — transaction fee activates as consumer side grows. TAM: ~200,000 solo businesses in Metro Vancouver.

Year 1 total

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CAD

Year 2 total

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Year 3 total

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Paying at Y1 end

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businesses

Transaction economics

Avg transaction value (CAD)$200

Jobs per active business per month4

% businesses transacting (Y1 end)55%

% businesses transacting (Y2 end)68%

% businesses transacting (Y3 end)75%

Subscription ($25/mo) Transaction (7% of job value)

Stream 2 — Real estate agents · $199/mo per seat

23,000 licensed REALTORS® in Metro Vancouver. BD hire closes brokerage LOIs — each brokerage brings multiple agent seats. Agents currently spend $1,691/month on fragmented tools — Servitium at $199/month = 12% of that. Launches Month 7 (Oct 2026). Default targets: 0.13% of SAM by Y1 → 0.53% by Y2 → 2.4% by Y3.

Year 1 (6mo)

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Year 2

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Year 3

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Brokerage pipeline (RE)

Brokerages signed by Y1 end1

Brokerages signed by Y2 end6

Brokerages signed by Y3 end18

Avg agent seats per brokerage20

Stream 3 — Insurance brokers · $199/mo per seat

BC has 870+ brokerages, 8,400+ licensed brokers (IBABC) — ~3,500–4,200 in Metro Vancouver. Brokerages spend avg $27,230 CAD/year on tech (Smythe 2025). Launches Month 7. Default targets: 0.39% of SAM by Y1 → 1.95% by Y2 → 5.45% by Y3.

Year 1 (6mo)

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Year 2

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Year 3

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Brokerage pipeline (Insurance)

Brokerages signed by Y1 end1

Brokerages signed by Y2 end5

Brokerages signed by Y3 end14

Avg seats per brokerage15

Stream 4 — Auto dealers · $49 salesperson / $500 dealership

Metro Vancouver: 700–850 dealerships, ~12,000–15,000 auto sales staff. One dealership = MRR of 20 solo businesses. Launches Month 7. Default targets: salespersons 0.19% of SAM → 1.9% by Y3 · dealerships 0.39% → 5.16% by Y3.

Year 1 (6mo)

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Year 2

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Year 3

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Salespersons ($49/mo)

End of Year 125

End of Year 2100

End of Year 3300

Dealerships ($500/mo)

End of Year 13

End of Year 215

End of Year 340

Stream 5 — Wealth management advisors · $199/mo per seat

3,000–5,000 CIRO-registered advisors in Metro Vancouver. Only 20% have a marketing strategy. 51% say website generates zero leads. Advisorsavvy.ca = only competitor in Canada, minimal scale. Launches Month 7. Default targets: 0.30% of SAM by Y1 → 1.50% by Y2 → 4.80% by Y3.

Year 1 (6mo)

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Year 2

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Year 3

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Advisory firm pipeline

Firms signed by Y1 end1

Firms signed by Y2 end5

Firms signed by Y3 end16

Avg advisor seats per firm12

All 5 streams — 36 months stacked

Solo biz Real estate Insurance Auto Wealth mgmt

Annual revenue by stream · Year 1 / 2 / 3

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Y1 revenue

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Y2 revenue

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Y3 revenue

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Y1 profit/loss

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Breakeven

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Y3 profit

What is P&L? P&L = Profit & Loss. Revenue is the money coming in. Costs are the money going out. What's left over is profit (green) or loss (red). Drag the sliders to see when Servitium starts making more than it spends.

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Year 1

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Breakeven

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Year 3

Monthly revenue vs costs vs net profit

Revenue Costs Profit/loss

Annual breakdown

Tier 1 — Hosting & infrastructure (high priority)

Hosting / month · Year 1$2,000

Hosting / month · Year 2$4,000

Hosting / month · Year 3$8,000

Dev team (subcontracted)

Dev / month · Year 1$5,000

Dev / month · Year 2$8,000

Dev / month · Year 3$12,000

Founders draws

Founders / month · Year 1$3,000

Founders / month · Year 2$6,000

Founders / month · Year 3$10,000

Marketing spend (also drives revenue → see Marketing tab)

Marketing / month · Year 1$5,000

Marketing / month · Year 2$12,000

Marketing / month · Year 3$30,000

Legal, processing & office

Legal / month · Year 1$500

Legal / month · Year 2$800

Legal / month · Year 3$1,200

Payment processing fee (% of txn rev)2.9%

Office & misc / month · Year 1$400

Office & misc / month · Year 2$800

Office & misc / month · Year 3$1,500

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3yr marketing spend

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Revenue from marketing

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Return on spend

How this works: Marketing spend directly drives faster customer acquisition. More spend → more student visits → more businesses onboarded → more revenue. Drag the budget sliders to see exactly how revenue changes. The gold bars show revenue from marketing. The red line shows what you spent. The gap between them is your profit from the spend.

Our projected spend: $5,000/mo in Year 1 → $12,000/mo in Year 2 → $30,000/mo in Year 3. This is the baseline from the go-to-market plan (BD hire + student team + paid ads). Drag the sliders below to explore what happens if you spend more or less than planned.

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Revenue without marketing spend

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Revenue with marketing spend

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Extra revenue gained

Adjust marketing budget — watch revenue change

Year 1 spend / month

$5,000 (projected: $5,000)

Year 2 spend / month

$12,000 (projected: $12,000)

Year 3 spend / month

$30,000 (projected: $30,000)

Revenue return per $1 spent (industry benchmark: 2–5×)

Year 1 return per $1 spent2×

Year 2 return per $1 spent3×

Year 3 return per $1 spent4×

3-year scenario comparison

Half the budget

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3yr revenue

Projected spend

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3yr revenue

Double the budget

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3yr revenue

Monthly: marketing spend vs revenue generated from that spend

Marketing spend ($) Revenue from marketing ($)

Annual: base revenue vs marketing-driven revenue

Base revenue (no marketing effect) Added revenue from marketing spend

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Y1 revenue

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Y3 revenue

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3-yr cumulative

What is SAM penetration? SAM = the total number of potential customers in Metro Vancouver. This tab lets you ask: "What if we capture X% of the market?" — drag a percentage and it calculates the accounts and revenue automatically. The Revenue tab uses fixed account counts; this tab uses market share percentages. Both update the same totals.

Solo businesses — all industries

SAM: ~200,000 solo businesses in Metro Vancouver · $25/mo + 10% txn

Y1 accounts

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Y3 accounts

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Y3 revenue

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Market penetration targets

% of SAM by end of Year 10.04%

% of SAM by end of Year 20.15%

% of SAM by end of Year 30.40%

Real estate agents

SAM: ~15,000 licensed REALTORS® in Metro Vancouver · $199/mo · launches M7

Y1 accounts

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Y3 accounts

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Y3 revenue

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Market penetration targets

% of SAM by end of Year 10.13%

% of SAM by end of Year 20.53%

% of SAM by end of Year 31.33%

Insurance brokers

SAM: ~3,500–4,200 licensed brokers in Metro Vancouver · $199/mo · launches M7

Y1 accounts

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Y3 accounts

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Y3 revenue

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Market penetration targets

% of SAM by end of Year 10.26%

% of SAM by end of Year 21.03%

% of SAM by end of Year 32.56%

Auto salespersons

SAM: ~12,000–15,000 auto sales staff in Metro Vancouver · $49/mo · launches M7

Y1 accounts

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Y3 accounts

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Y3 revenue

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Market penetration targets

% of SAM by end of Year 10.15%

% of SAM by end of Year 20.59%

% of SAM by end of Year 31.48%

Auto dealerships

SAM: ~700–850 dealerships in Metro Vancouver · $500/mo · launches M7

Y1 accounts

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Y3 accounts

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Y3 revenue

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Market penetration targets

% of SAM by end of Year 10.65%

% of SAM by end of Year 22.55%

% of SAM by end of Year 36.37%

Wealth management advisors

SAM: ~3,000–5,000 CIRO advisors in Metro Vancouver · $199/mo · launches M7

Y1 accounts

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Y3 accounts

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Y3 revenue

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Market penetration targets

% of SAM by end of Year 10.25%

% of SAM by end of Year 21.00%

% of SAM by end of Year 33.00%

Revenue from these penetration targets — 36 months

Solo biz Real estate Insurance Auto Wealth mgmt

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