You're sitting across the table from Matt. Pick a scenario or build your own — deal volume, GMV, take-rate, growth, cost base, raise size, valuation cap, exit multiple. MOIC, IRR and your dollars at exit re-compute live, and the narrative tells you which institutions back the rails this story rides.
Flex the four highest-debated inputs into the cost stack. The OpEx composition panel under the P&L table re-bins to match, and the 5-Year P&L stays reconciled — Contingency (Bucket F) absorbs the difference and is visible to the investor.
| Stage | $ deployed | % ownership | $ at exit |
|---|
—
| Line | Y1 | Y2 | Y3 | Y4 | Y5 | 5Y |
|---|
The OpEx row above is the institutional figure. Below is the bottom-up build under it: six buckets driven by deal volume, member count, and the four advanced sliders on the left. Total reconciles to the P&L OpEx row to the dollar. Contingency (Bucket F) is the prudential buffer — what's left after the named line items are funded.
| Bucket · driver | Y1 | Y2 | Y3 | Y4 | Y5 | 5Y |
|---|---|---|---|---|---|---|
| Total OpEx · bottom-up | — | — | — | — | — | — |
Read it this way: People + GTM dominate Y3 onward, Infra (Stripe pass-through) grows linearly with GMV processed, and AI workforce stays under 1% of revenue all the way to Y5 — that's the structural cost-advantage story made bottom-up. The four sliders on the left flex the most-debated inputs. Reset to Base to see the institutional baseline that ties back to IM Section 7.
The institutions named above set the bar for Australian finance. Flip 360 was built to clear it.
Each chip names an institution Australians already trust — and what Flip 360 built that earns the comparison. Tap a chip to see the evidence.
Money & ownership move together, atomically.
Every flow is logged, threshold-checked, audit-ready.
Sub-second settlement at the edge — every time.
Brand-grade reliability the household already trusts.
18 verticals. 23 primary-source citations. Drag any slider — practitioner count (Q), referrals per year (F), $ per referral (P), SAM cut, SOM penetration — and watch TAM, SAM, SOM and Flip 360's Year-5 revenue recompute live. Every figure shown matches the bibliography in Section 17.5 of the Memorandum.
| Profession | Q · practitioners | F · refs/yr | P · $/referral | TAM |
|---|---|---|---|---|
| Finance $401.3M | ||||
| ✓ Tax & BAS agents |
63.9K
|
6
|
$200
|
$76.7M |
| ✓ Mortgage brokers |
22.3K
|
6
|
$2K
|
$260.5M |
| ✓ Financial advisers |
15.5K
|
4
|
$800
|
$49.6M |
| ✓ Insurance brokers |
14.0K
|
8
|
$130
|
$14.6M |
| Property $1.51B | ||||
| ✓ Conveyancers |
8.4K
|
25
|
$200
|
$42.0M |
| ✓ Real estate — residential |
120.0K
|
2
|
$5K
|
$1.15B |
| ✓ Real estate — commercial |
22.0K
|
1.5
|
$8K
|
$264.0M |
| ● Property managers |
50.0K
|
3
|
$300
|
$45.0M |
| ● Buyers’ agents |
1.5K
|
3
|
$2K
|
$6.8M |
| Inspection & Compliance $33.5M | ||||
| ✓ Building inspectors — pre-purchase / dilapidation / handover |
6.3K
|
15
|
$80
|
$7.6M |
| ● Commercial inspectors (condition / make-good / AFSS) |
2.2K
|
10
|
$400
|
$8.8M |
| ✓ Pool & spa safety inspectors |
2.5K
|
20
|
$40
|
$2.0M |
| ● Pest inspectors (timber pests) |
3.5K
|
25
|
$50
|
$4.4M |
| ● Asbestos / hazmat assessors |
1.8K
|
8
|
$200
|
$2.9M |
| ● Fire safety practitioners (AFSS / ESM) |
2.2K
|
12
|
$300
|
$7.9M |
| Professional Services $29.3M | ||||
| ✓ Solicitors (referral-active in property/commercial) |
39.0K
|
3
|
$150
|
$17.6M |
| ● Migration agents |
6.5K
|
4
|
$450
|
$11.7M |
| Trades $360.0M | ||||
| ✓ Trades — sole-trader + small partnerships (electrical, plumbing, building) |
450.0K
|
4
|
$200
|
$360.0M |
| TOTAL TAM — referral-fee pool | $2.33B | |||
✓ = regulator-published primary source · ● = transparently modelled with derivation shown in the memo. Sliders flex each input from 0.3× to 2.5× the memo default so you can pressure-test downside and upside cleanly. The grand-total TAM updates instantly; SAM = TAM × your SAM%; Year-5 Flip 360 revenue = SAM × scenario penetration × 15% take.
This surface is built for the founder, not the investor. Edit any term — SAFE cap, discount, pre-money, dilution, exit horizon, exit multiple band — and the investor return profile recomputes in real time. Use it live in a deal conversation: pressure-test what a 25% discount costs you, what an extra year of exit horizon does to IRR, what a wider exit-multiple band does to the recipient's downside.
Defaults match the Memorandum: $4.0M cap · 20% discount · $3.5M pre-money · 12.5% Round 1 dilution · 5–7yr horizon · 6–10× ARR exit band.
| Scenario | Exit val | Their $ back | MOIC | IRR |
|---|
Assumes ~10% post-Seed further dilution before exit (standard Series A pad). Use this table when an investor asks “but what do I get?”
