The first two years fund product and worker growth, reaching $6.6M of cumulative revenue while the company holds a $2.0M cash cushion into month 24.

The seed round funds the team, marketing, and cost of service through the first twenty-four months, with overheads the largest line.

Revenue compounds to $64.0M by year five, the business turns profitable at a positive $11.8M EBITDA, and cash builds to $35.3M.

The active worker base grows twenty-six times over five years as monthly churn falls from 5.5% to 3.0%.

Revenue comes from worker instant-pay and employer fees, lifting blended ARPU from $5 to $7 across the plan.

Each employer costs $28k to acquire and returns $84k over its life, a 3.0x return that pays back in about twelve months.

Gross margin climbs from 61% to 75%, producing $48.0M of gross profit by year five.

Cost of revenue is variable, driven by payment processing, fraud and default, and compliance, and falls from 39% to 25% of revenue.

Marketing spend ramps with growth across performance and brand channels, acquiring employers at a $28k blended cost and a 3.0x return.

Early spend is weighted to team and operations, with marketing and cost of revenue scaling as volume grows.

Overheads cover team, cloud, tooling, legal, insurance, and audit, the fixed base that supports scale.

Product spend from the seed round builds the instant-pay platform and payment rails that drive the 75% target gross margin.

As revenue reaches $64.0M, the team scales efficiently and revenue per employee rises each year while people cost stays disciplined.