Internal Resource

Business Plan & Forecasts

Complete operational model, Year 1 financial forecast, revenue breakdown, and 90-day launch timeline — based on Canadian market averages.

Overview
Year 1 Forecast
Revenue Model
90-Day Timeline
Marketing Mix
🏢Business Structure
Flo Finance operates as a non-profit credit counselling agency accredited through Credit Counselling Canada (CCC). This structure unlocks standing creditor agreements — meaning major Canadian banks agree to reduce interest rates for enrolled clients. This is the legal, ethical, and financially superior model over for-profit debt settlement.
0–7%
DMP interest rate (vs 21% avg)
$6,720
Revenue per DMP file (48 mo)
$450
Avg client acquisition cost
85%
Target 12-month retention
48 mo
Average DMP plan length
$140
Monthly revenue per active file
📊Unit Economics
MetricAmount (CAD)Notes
Avg client debt at intake$28,000Canadian avg unsecured debt 2024
Avg DMP monthly payment$520/moBased on 48-month plan
Admin fee (15%)$78/moPer client
Fair share from creditors$62/mo~12% of collected amount
Total monthly revenue/file$140/mo
Revenue over 48-month term$6,720Per completed DMP