Business Model & Revenue

Revenue stream 1: Qualified lead referrals — Mortgage broker fees (£300-500+ per qualified lead). How lead quality is our differentiator — Influx leads arrive informed, documented, and ready. Volume projections by month. Revenue stream 2: Consumer subscriptions — Premium tools, advanced simulations, ongoing portfolio monitoring. Pricing strategy, conversion rate assumptions from free to paid. Revenue stream 3: B2B2C platform — Employer financial wellbeing packages. Adviser white-label tools. Pricing model, sales cycle assumptions, pilot programme approach. Revenue stream 4: Data and insights — Anonymised, aggregated consumer financial behaviour data. Longer-term revenue stream. Who buys this (lenders, insurers, policymakers) and why. Unit economics — CAC, LTV, and payback period per revenue stream. What these look like at launch vs. at scale. Revenue phasing — What revenue looks like at 6, 12, 18, 24 months. Honest about the ramp. Lead referrals come first, subscriptions build, B2B2C is a year-two push.