9 filters · 4 outcome charts · one screen. Move any lever → all charts recompute. Best-practice defaults with explanatory notes.
9 Filters — CFO Control Panel
All defaults follow investor-pack single source of truth · Deal Fee Doctrine ↗
Both regions = 466,800 professionals across 21 peak bodies. Default is combined ANZ because both markets share Big-4 banks, regulatory kinship, and cross-Tasman referral flow.
SaaS + marketplace hybrid. Membership is the recurring ARR (Xero/Canva analogue). Platform take on deals is the validation stream (proves platform stickiness + funds Community give-back).
Applied to membership only (D-234 doctrine). 25% is the AFA benchmark for tier-1 direct-sales commission. Below 20% cannot attract quality reps; above 30% erodes unit economics.
$1,500 is the Xero/CPA-mid benchmark. $1,200 = mortgage-broker CRM tier. $1,800 = full-suite CoreLogic tier. Sensitivity: ±$300 = ±20% ARR.
6/yr = one meaningful referral every 2 months. Realistic for accountants + brokers based on MFAA/CPA industry data. 12/yr assumes power-user network effects at scale.
15% annual churn = SaaS-benchmark for SMB professional tools (Xero ~12%, HubSpot Starter ~18%). Low 5% assumes association-brokered stickiness. High 25% assumes competitive market.
% of platform take diverted to Community pool. 50% = the founder-locked structural commitment (Turn 35 doctrine). Then split 80% Local / 20% National via democratic vote.
Y5 share of the 466,800 universe. Base 5% anchors to Xero AU (5.2% in Y5) and MYOB SME S-1 filings. Bear 2% ≈ Zoho AU trajectory. Bull 8% ≈ Salesforce SMB AU Y5.
Re-weights the P2P deal fee blend to the selected mix. All 9 = $1,515 weighted. Real estate only = $3,780. Accountants only = $1,100. Inspectors only = $75.
Members Y5
—
of 466,800 universe
Gross Revenue Y5
—
Membership + Platform take
Net Revenue Y5
—
After CM COS + Community
Enterprise Value Y5
—
× 3.1 SaaS Net Rev multiple
Total Raise (R1+R2+R3)
—
R1 fixed · R2 & R3 derived
① Total Market Size Revenue $M
Y1→Y5 build · with movable share slider
5.0% at Y5
Best practice: Y1→Y5 anchored to Xero AU (0.3% Y1 → 5.2% Y5) and MYOB S-1 curves. The slider overrides Y5 target; Y1-Y4 rebuild via S-curve. This is what the market could pay Flip at your chosen adoption rate.
② CM Earnings Y1-Y5
Deferred payment schedule with clawback reserve
Best practice · 40/30/20/10
signup / D90 / D180 / D365
Best-practice deferred schedule: 40% paid at signup (cash cleared), 30% at Day 90 (cooling-off closed), 20% at Day 180 (retention proof), 10% at Day 365 (Y1 renewal proven). Clawback if member churns/refunds inside 90d. Protects Flip from paying full commission on Day 1 to a member who leaves Day 3. Solid teal = paid. Amber = held in reserve (still to release). This is the AFA/FCA lending-broker standard adapted to SaaS.
③ $50k Angel Walk
Value Y1-Y5 through Hypercare → Growth → Pre-IPO
R1 SAFE $4M cap
Base case MOIC → 52×
Stage walk: R1 Pre-seed ($4M cap · Hypercare) → R2 Series Seed ($10-12M · Growth) → R3 Series A ($25-40M · Pre-IPO scale) → Secondary window ($150M) → IPO/Exit ($250-420M). $50k = 10% of the $500k SAFE. Base case = 52× MOIC ($2.6M) on 5-7 year exit. Bear 12× · Bull 86×. Numbers pulled from canonical ASSUMPTIONS block.
④ Matt's Equity Value Y1-Y5
Founder shares × valuation · dilution walk
Start 100% → R1 87.5%
→ R2 72.6% → R3 58.1%
Dilution waterfall: Founder 100% → SAFE conversion at R2 (~12.5%) → Series Seed (~17%) → Series A (~20%) → ESOP 10% created at R2. Matt's economic value = ownership% × company valuation at each stage. Solid line = base case. This is why Matt takes $150k salary + travel, not more — every $ of salary that stays in the business protects the founder's larger equity value at exit.
OpEx Doctrine — People costs baked into all outputs above
Matt (CEO)
$150k p.a.
+ $30k/yr PR/media travel · lean founder salary preserves equity value at exit
Carla (CFO · CoSai)
$60k base + up to $1.25M
KPI-gated lifetime cap · 0.5% rev + 5% EBITDA formula · from deriveBonusCurve()
Corrina (CMO · YDT)
$60k base + up to $1.25M
KPI-gated lifetime cap · $5/member + 0.3% rev formula · from deriveBonusCurve()
CM Team
Commission only
No base salary · 25% commission on membership only · deferred 40/30/20/10 schedule (chart ②)
$4M cap · 20% discount · 12.5% dilution. Sized to buy 12 months at AI-blended burn. Milestones: 1,000 members · $1M GMV · AUSTRAC + ATO live.
Raise 2 · Series Seed (derived)
$2,000,000
Derived: R1 burn + Y2 growth capital. Re-rated at $10-12M pre-money on demonstrated R1 traction. ~17% dilution.
Raise 3 · Series A (derived)
$8,000,000
Derived: Y3 scale capital to reach 10k members. Priced at $25-40M pre-money on demonstrated R2 traction. ~20% dilution.
Confidential
Flip 360 · PRIVATE & CONFIDENTIAL · Authored by CoSai CFO Services · 1 January 1970
This document does not constitute an offer of securities. Recipients should obtain independent legal and financial advice before making any investment decision.
