← Team Hub Finance · 3-Year Cashflow Model

3-year cashflow & income model

Projection across the pod scaling plan: 1 pod ramping today → 6 pods by EOY 2026 → 10 pods by EOY 2027 → steady state in 2028. Revenue is service retainer-based; cost moves with offshore pod headcount.

v1 · May 2026 · planning model, not financials

Planning model

This is a planning projection, not financial statements. Numbers assume the recommended 60% gross margin pricing and the sequencing from the Pod Model. Treat as directional — reality will flex by quarter.

2026 · Launch + Ramp
0 → 6 pods ยท live April 2026
Revenue$1.76M
Gross profit$819K
Gross margin47%
Net income$393K
2027 · Scale year
6 → 10 pods
Revenue$6.85M
Gross profit$3.91M
Gross margin57%
Net income$1.78M
2028 · Steady state
10 pods at full
Revenue$9.00M
Gross profit$5.40M
Gross margin60%
Net income$2.16M

Operating assumptions

Everything below flows from these inputs. Change one and the rest of the model moves with it.

Avg client retainer
$6.5K → $7.5K
2026: $6,500/mo · 2027: $7,000 · 2028: $7,500
Clients per full pod
10
New pod ramps over 2 quarters
Pod cost / month
$26K → $30K
2026: $26K · 2027: $28K (+8%) · 2028: $30K
Pods online (end of year)
6 / 10 / 10
Q4 2026 · Q4 2027 · Q4 2028
Target gross margin
60% steady state
Lower during pod ramps; reaches target by 2028
Pod ramp curve
4 → 10 in 2 quarters
New pod hits 4 clients Q1, fills by Q2
Collection terms
Monthly upfront
Cash leads P&L by ~30 days
Working capital buffer
1.5× monthly payroll
Held in CMG operating account at all times

Revenue mix by service

Every client retainer bundles four service lines. Mix shifts slightly as the book matures — AI development becomes a larger share as we move upmarket.

Performance MarketingMedia buying, creative ops, weekly reporting
40%
Creator & Affiliate ProgramsRecruiting, briefing, affiliate platform mgmt, Partnership Ads
25%
AI Development & AutomationCusrich.AI custom agents, dashboards, integrations
25%
Strategy & Account ManagementGrowth planning, weekly client cadence, QBRs
10%

2026 · Income statement (quarterly)

Launch year. CMG goes live April 2026 — Q1 is pre-launch (zero across the board). Pod 1 stabilizes Q2–Q3; Pods 2–6 added through the back half. Margins compressed in early quarters as pods carry full cost before clients fill in. First Delivery Lead lands Q4.

2026 Q1 Q2 Q3 Q4 Year
Pods active (EoQ)02466
Clients (EoQ)014284848
Revenue
Service revenue$0$273K$546K$936K$1,755K
Cost of revenue
Offshore pod cost$0($156K)($312K)($468K)($936K)
Gross profit$0$117K$234K$468K$819K
Gross margin43%43%50%47%
Operating expenses
Partner comp (Bryant + Van)$0($72K)($72K)($72K)($216K)
US-side Pod Leads$0$0($36K)($72K)($108K)
Delivery Lead 1$0$0$0($42K)($42K)
Talent Recruiter$0$0($9K)($9K)($18K)
Software & infrastructure$0($7K)($8K)($9K)($24K)
Accounting, legal, G&A$0($6K)($6K)($6K)($18K)
Total OpEx$0($85K)($131K)($210K)($426K)
Net income$0$32K$103K$258K$393K
Net margin12%19%28%22%

2027 · Income statement (quarterly)

Scale year. Pods 7–10 added; retainer creeps up to $7K as we move upmarket. Second Delivery Lead onboards mid-year. Margins firm as the book matures.

2027 Q1 Q2 Q3 Q4 Year
Pods active (EoQ)78101010
Clients (EoQ)647488100100
Revenue
Service revenue$1,344K$1,554K$1,848K$2,100K$6,846K
Cost of revenue
Offshore pod cost($588K)($672K)($840K)($840K)($2,940K)
Gross profit$756K$882K$1,008K$1,260K$3,906K
Gross margin56%57%55%60%57%
Operating expenses
Partner comp (raised)($90K)($90K)($90K)($90K)($360K)
US-side Pod Leads($252K)($294K)($378K)($420K)($1,344K)
Delivery Lead 1($42K)($42K)($42K)($42K)($168K)
Delivery Lead 2 (Q2+)$0($42K)($42K)($42K)($126K)
Talent Recruiter($11K)($11K)($11K)($11K)($42K)
Software & infrastructure($12K)($12K)($12K)($12K)($48K)
Accounting, legal, G&A($9K)($9K)($9K)($9K)($36K)
Total OpEx($416K)($500K)($584K)($626K)($2,124K)
Net income$340K$382K$424K$634K$1,782K
Net margin25%25%23%30%26%

2028 · Income statement (quarterly)

Steady state. 10 pods full at ~10 clients each; retainer holds at $7.5K. Business-side hires fill out (Sales, Ops, HR, dedicated Accounting). Third Delivery Lead added.

2028 Q1 Q2 Q3 Q4 Year
Pods active1010101010
Clients100100100100100
Revenue
Service revenue$2,250K$2,250K$2,250K$2,250K$9,000K
Cost of revenue
Offshore pod cost($900K)($900K)($900K)($900K)($3,600K)
Gross profit$1,350K$1,350K$1,350K$1,350K$5,400K
Gross margin60%60%60%60%60%
Operating expenses
Partner comp($90K)($90K)($90K)($90K)($360K)
10 US-side Pod Leads($450K)($450K)($450K)($450K)($1,800K)
Delivery Leads 1–3($126K)($126K)($126K)($126K)($504K)
Sales Lead + variable($36K)($36K)($36K)($36K)($144K)
Operations Lead($30K)($30K)($30K)($30K)($120K)
HR / People Lead($24K)($24K)($24K)($24K)($96K)
Accounting (in-house)($15K)($15K)($15K)($15K)($60K)
Talent Recruiter team($21K)($21K)($21K)($21K)($84K)
Software & infrastructure($18K)($18K)($18K)($18K)($72K)
G&A · office · events($15K)($15K)($15K)($15K)($60K)
Total OpEx($825K)($825K)($825K)($825K)($3,300K)
Net income$525K$525K$525K$525K$2,100K
Net margin23%23%23%23%23%

3-year summary

Roll-up across all three years — what the agency banks if the plan executes.

2026 – 2028 · combined

2026 2027 2028 3-yr total
Revenue$1,755K$6,846K$9,000K$17,601K
Cost of revenue($936K)($2,940K)($3,600K)($7,476K)
Gross profit$819K$3,906K$5,400K$10,125K
Gross margin47%57%60%58%
Operating expenses($426K)($2,124K)($3,300K)($5,850K)
Net income$393K$1,782K$2,100K$4,275K
Net margin22%26%23%24%
EoY ARR$3.74M$8.40M$9.00M

Cashflow notes & sensitivities

The numbers above are accrual P&L. A few realities of how this becomes cash in the bank:

Cash leads P&L

Clients pay monthly retainers upfront. CMG collects ~30 days ahead of when work is delivered — cashflow is healthier than P&L suggests, especially during growth.

Contractor payments biweekly

Pod cost goes out the door every two weeks via Wise (see Contractor Payments SOP). Hold 1.5× monthly pod cost in operating account as buffer.

Q1 2026 is pre-launch

CMG goes live April 2026 (Q2). Q1 numbers are zero across the board — nothing operating yet. The ramp loss moves to Q2, where Pod 1 carries full $26K/mo cost while ramping its first clients.

Hiring lags revenue

Pod Leads, Delivery Leads, and business hires phase in only after revenue justifies them. Don’t hire ahead of the curve — preserves margin during transitions.

Pricing power

If the average retainer holds at $8K instead of $7K in 2027 (15% premium), Year 2 revenue lifts to ~$7.8M and net income to ~$2.5M. Pricing is the highest-leverage variable.

Churn risk

Model assumes ~5% monthly churn (standard for services). If churn doubles, the back half of each year flattens. Watch QBR renewals like a hawk.

Sources: Pod Model for unit economics · Contractor Payments SOP for cash mechanics. Update this model quarterly with actuals so projections stay honest.