Mathew — every section below is editable. Click into any block, change anything you want, and your edits autosave (you'll see a "Saved" pill in the corner). Once you're happy, sign the engagement on /engage.
Flip 360 is a private membership club for B2B professional referral commissions, operating on a 50km local community model. Every member is simultaneously a referrer and a recipient. Flip 360 raises and settles the commission invoice on behalf of members via Stripe Connect, retaining a 1¢ in every $1 platform fee to cover operations.
The opportunity is the unrecognised AUD ~$8B/year of B2B professional referrals that change hands in Australia today without contract, audit trail, or commission recovery rights — a market hiding in plain sight inside lawyer-accountant-broker-conveyancer relationships.
This business case proposes a 90-day, AI-augmented build to take Flip 360 from concept to live commission platform with the first community launched, member acquisition funnel operational, and investor pack ready. Total investment requested: $15,000 CoSai + $5,000 Genspark credits = $20,000, with the engagement returning a complete platform, PMO discipline, and an investor-ready pack.
Every professional services business in Australia gives away referrals every week — to lawyers, accountants, brokers, conveyancers, insurance agents, real estate agents, builders, electricians, plumbers, painters. Most of those referrals are never tracked, never invoiced, and never reciprocated proportionately.
The result is a vast informal economy of professional goodwill that nobody can measure, nobody can reward properly, and nobody can systematically grow. The professionals who give the most referrals are often the ones who get back the least — and they don't know it.
There is no neutral third party that can:
Flip 360 is built as five layers:
For members: a passive-income leg alongside their active practice — referrals they were already giving away, now tracked, invoiced, and reciprocated. Plus access to a curated local community of professionals to refer into.
For Flip 360: a recurring-revenue platform business — membership fees + 1% commission processing + Academy revenue — that scales horizontally (more communities, more verticals, more countries) without proportional cost growth, because the platform is the same and only the community curation is local.
For investors: a defensible, multi-sided network business with the rare combination of (a) high trust requirement (raises switching costs), (b) immutable forensic audit trail (regulatory moat), and (c) zero marginal cost to add the next community.
Three streams:
| Scenario | Members | Communities | Annual revenue | Trajectory |
|---|---|---|---|---|
| Local Club | ~150 | 1 (Sunshine Coast) | ~$200K | Proof of concept; lifestyle business |
| Regional Network | ~1,500 | 10 (Qld + NSW) | ~$2.5M | Australia-significant; investor-attractive |
| National Institution | ~15,000 | 100+ (AU-wide + NZ) | ~$30M+ | Category-defining; acquisition target |
The 90-day build delivers Local Club readiness. The $500K pre-seed (Round 1) funds 12 months of milestone-gated traction. The $2M Series Seed (Round 2, Month 12) funds the path to Regional Network. See /investors/memorandum for the full institutional memorandum.
This engagement (1 June – 31 August 2026) takes Flip 360 from current state to Local Club go-live:
| Item | Cost | Notes |
|---|---|---|
| CoSai PMO + build oversight (3 months) | $15,000 + GST | $5,000/month fixed, payable in advance |
| Genspark AI credits | $5,000 | Provisioned by Flip 360, operated by CoSai |
| Stripe Connect setup | $0 | Standard rates; fees pass through to members |
| Cloudflare Pages + D1 + R2 hosting | ~$50/month | Negligible at MVP scale |
| Domain + SSL | ~$50/year | |
| Total to go-live | ~$20,100 |
CoSai measures benefits realisation against five lenses, drawn from APMG Managing Benefits™:
Each benefit is tracked weekly in the PMO benefits register, with green/amber/red status reported to Steerco. Benefits register is audit-grade and survives institutional due diligence.
The capital strategy is a staged raise, structured around the AI-blended workforce reality. Round 1 funds 12 months of milestone-gated traction at a fraction of the burn a traditional human-only stack would require; Round 2 re-rates on demonstrated proof. Pre-seed investors win twice — once on the SAFE cap at conversion, again on the higher pre-money at Series Seed.
| Bucket | Human-only benchmark | AI-blended (this raise) | % of raise |
|---|---|---|---|
| Tech stack — build & 12-mo maintenance | $880,000 | $50,000 | 10% |
| Legal & compliance pack | $225,500 | $60,000 | 12% |
| GTM & first 1,000 members | $375,000 | $175,000 | 35% |
| Team — founder + GTM Lead (M4+) | $280,000 | $140,000 | 28% |
| Working capital & contingency | $110,000 | $75,000 | 15% |
| Total Year 1 cost | $1,870,500 | $500,000 | 100% |
Structural saving: $1,370,500 (73%) vs traditional human-only Year 1 cost. See Memorandum §7 for line-by-line workings.
The 90-day CoSai engagement delivers an investor-ready pre-seed pack — business case, technical due diligence, full financial model, ASX-grade enterprise architecture, and a live working platform with the first community already launched. See the full institutional memorandum at /investors/memorandum.
Founder-stage ventures are often under-served by traditional consulting (too expensive, too slow) and over-served by freelance contractors (no governance, no benefits discipline). CoSai applies top-4 management consultancy methodology — APMG Managing Benefits™, PMI PMBOK, PRINCE2, Agile/Scrum, TOGAF — at founder-scale economics, with an AI-augmented workforce that compresses delivery time without sacrificing rigour.
Carla Oliver, Principal of CoSai CFO Services, brings 25 years of senior management consulting across Capgemini, Accenture, IBM Consulting, and KPMG, with engagements at Telstra, Suncorp, BBC UK, NSW Treasury, NSW RailCorp, and on the establishment of FASEA.
