Prodwave
LendSmart — P2P Micro-Lending
Sign in
Read only

Dashboard

Demo

About

P2P micro-lending platform connecting borrowers with individual lenders, featuring AI credit scoring. Revenue from 4% origination fees, servicing fees, premium lender subscriptions, and collection/late fees. Costs: credit scoring API and regulatory compliance.

36-month forecast: ~19K users, $3.68M net income, LTV/CAC 19.7x. Strong unit economics from high transaction volumes and interest spread margins.

Unit Economics

CAC
62 $
Weighted average Customer Acquisition Cost = total channel spend / total customers acquired
CPA
62 $
Cost per Client Acquisition
ARPU
106 $/mo.
Average Revenue Per User
ARPPU
106 $/mo.
Revenue per paying user (= ARPU, no free tier)
LTV
453 $
Customer Lifetime Value
LTV : CAC
7.3 x
Healthy ratio (≥3)
CAC Payback
0.7 mo.
Months to recover customer acquisition cost
Payback Period
Discounted project payback period

Yearly P&L

Year 1
-575K
459 clients
Year 2
-89K
923 clients
Year 3
391K
1,322 clients

P&L Flows

Revenue: 2,626,724 $Income2,626,724 100%Payroll6 ppl1,361,460 52%Channels1,185,000 45%OpEx353,986 13%
Profit: -273,722 $

Sales Table

Year 1
Year 2
Year 3
Metric
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
Total
New Sales
–
–
–
–
–
–
64
257
578
610
663
649
643
645
657
676
705
691
678
678
678
678
678
678
678
678
678
678
678
678
678
678
678
678
678
678
19,042
Base at Start
–
–
–
–
–
–
–
64
321
900
2K
2K
3K
3K
4K
5K
5K
6K
7K
8K
8K
9K
10K
10K
11K
12K
12K
13K
14K
14K
15K
16K
16K
17K
18K
18K
18,357
Total Clients
–
–
–
–
–
–
64
321
900
2K
2K
3K
3K
4K
5K
5K
6K
7K
8K
8K
9K
10K
10K
11K
12K
12K
13K
14K
14K
15K
16K
16K
17K
18K
18K
19K
19,034
Active at Start
–
–
–
–
–
–
–
22
99
245
327
406
459
505
550
594
640
689
725
757
790
824
857
890
923
957
990
1K
1K
1K
1K
1K
1K
1K
1K
1K
1,288
Churn
–
–
–
–
–
–
–
13
56
132
154
174
178
182
186
191
197
206
205
204
204
204
204
204
204
204
204
204
204
204
204
204
204
204
204
204
5,342
Active at End
–
–
–
–
–
–
22
99
245
327
406
459
505
550
594
640
689
725
757
790
824
857
890
923
957
990
1K
1K
1K
1K
1K
1K
1K
1K
1K
1K
1,322

Expenses Table

Year 1
Year 2
Year 3
Expense Item
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
Total
Operational Expenses
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
353,986 $
Acquisition Channels
–
–
–
–
–
–
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
40K
1,185,000 $
Team Payroll
15K
21K
27K
35K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
39K
1,361,460 $
Fraud Losses
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0 $
Total Expenses
25K
30K
37K
44K
49K
49K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
89K
2,900,446 $

Income Table

Year 1
Year 2
Year 3
Income Item
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
Total
Tariffs(71,878 $)
Product Sales
–
–
–
–
–
–
67
297
735
981
1K
1K
2K
2K
2K
2K
2K
2K
2K
2K
2K
3K
3K
3K
3K
3K
3K
3K
3K
3K
3K
4K
4K
4K
4K
4K
71,878 $
Additional Income(4 · 2,554,846 $)
Origination Fee (4%)
–
–
–
–
–
–
1K
5K
12K
16K
20K
23K
25K
27K
30K
32K
34K
36K
38K
40K
41K
43K
45K
46K
48K
49K
51K
53K
54K
56K
58K
59K
61K
63K
64K
66K
1,198,566 $
Servicing Fee
–
–
–
–
–
–
562
2K
6K
8K
10K
11K
13K
14K
15K
16K
17K
18K
19K
20K
21K
21K
22K
23K
24K
25K
26K
26K
27K
28K
29K
30K
31K
31K
32K
33K
599,283 $
Premium Lender Subs
–
–
–
–
–
–
–
–
5K
7K
8K
9K
10K
11K
12K
13K
14K
15K
15K
16K
16K
17K
18K
18K
19K
20K
20K
21K
22K
22K
23K
24K
24K
25K
26K
26K
476,997 $
Collection & Late Fees
–
–
–
–
–
–
–
–
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
280,000 $
Total Income
–
–
–
–
–
–
2K
8K
34K
42K
50K
55K
60K
64K
68K
73K
78K
81K
84K
87K
91K
94K
97K
100K
104K
107K
110K
113K
117K
120K
123K
126K
130K
133K
136K
140K
2,626,724 $

Income & Expense Trends

  • Balance
  • Cumulative Profit
  • Expenses
  • Income
M1M5M9M13M17M21M25M29M33-818K-418K-18K382K702K

Acquisition Channels

  • Facebook Ads
  • Financial Bloggers & SEO
  • Google Search Ads
  • Referral Program
M1M5M9M13M17M21M25M29M330200400600800

Sales Trends

  • Active Clients
  • Churn
  • New Sales
  • Total Clients
M1M5M9M13M17M21M25M29M3306K11K17K21K

Yearly Forecast

MetricYear 1Year 2Year 3
Sales2,8218,0858,136
Active Clients4599231,322
Income per Client120 $109 $106 $
Total Income190,292 $976,952 $1,459,480 $
Total Expenses765,503 $1,066,240 $1,068,702 $
Partner Share
Net Income-575,211 $-89,288 $390,778 $

Average Monthly Turnover

MetricYear 1Year 2Year 3
Sales235674678
Active Clients1307291,139

Income Structure (Year 1)

Origination Fee (4%)77,920 $
Servicing Fee38,960 $
Premium Lender Subs28,739 $
Collection & Late Fees40,000 $
Product Sales4,673 $
Total190,292 $

Expense Structure (Year 1)

Operational Expenses114,779 $
Acquisition Channels237,000 $
Team Payroll413,724 $
Fraud Losses
Total765,503 $

Results Summary

Total Sales
19K
1,322 active
Total Income
2.6 M
Total Cost
2.9 M
Net Income
-274K