KeyKota — Partner Economics Model

Master Assumptions

These cascade across every calculator. Yellow cells are editable.

Global

Retail dispute price ($)

Real cost per dispute ($)

Settlement letter fee ($)

Settlement letter cost ($)

API Pricing Tiers

Tier	Platform Fee ($/mo)	Per-Dispute Rate	Assumed Volume	Dispute Rev	Total Rev	Cost	Gross Profit

Discount vs retail is calculated automatically. Change any yellow cell — revenue, cost and profit update instantly.

Annualized View (×12)

Tier	Annual Revenue	Annual Cost	Annual Gross Profit	Gross Margin

Volume Sensitivity — Monthly Revenue by Tier

Independent of the assumed volumes above. Shows total monthly revenue at different dispute volumes.

White-Label Pricing Tiers

Rates auto-escalate from API tiers based on volume

Tier	Flat Fee	Setup Fee	Assumed Vol	Eff. Rate	Dispute Rev	Total Rev	Profit	Margin

Volume Sensitivity — Monthly Profit

Flat fee held constant; per-dispute rate escalates with volume.

Commission Assumptions

Signup fee (one-time $)

Rep commission % of dispute revenue

Commission duration (months)

Monthly View

Source	Tier	Dispute Rev	Rep Commission	Co. Profit Before	Co. Profit After

Total Over Duration

Source	Tier	Signup Fee	Total Commission	Total Rep Payout	Co. Net Profit

Commission is calculated only on dispute revenue (never on platform / white-label flat fees).

Immediate Cash Raised

Coverage vs Target

Cost of Program (all slots)

Future revenue given up

Program Assumptions

Number of slots

One-time fee per slot ($)

Platform fee waived (months)

Enterprise lock-in (months)

Assumed disputes / partner / mo

Funds needed target ($)

Per-Partner Economics

Aggregate Program (all slots)

Non-dilutive bridge funding: raise cash today in exchange for discounted future revenue (Enterprise pricing locked + platform fee waiver). Compare the “Cost of Program” figure against the Lean Raise option in the main financial model.

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Securities Warning — Read Before Using

Investor Assumptions

Investor contribution ($)

Rep commission %

Investor share % of profit after rep

Share duration (months)

Target recoup period (months)

Monthly Economics by Tier

Source	Tier	Dispute Rev	Rep Comm	Profit After Rep	Investor Share	KeyKota Net

Investor Return Over Duration

Source	Tier	Monthly Share	Total Return	Net Gain	Months to Recoup	Suggested Contribution

Better approaches than raising the revenue-share %: (1) use different contribution sizes per tier (Suggested Contribution column), or (2) restrict the offer to tiers that hit your target recoup period at a fixed contribution size.

Total Monthly Profit

Currently underwater at default assumptions

CAC per Enrolled

All outreach cost / enrolled

Enrolled / Month

From 1,000 aged leads

Lead & Outreach Costs

Aged lead cost ($)

Leads purchased / month

SMS per lead · Cost per SMS

Voice minutes · Cost / min

Conversion & Revenue

SMS response %

Call completion %

Book %

Enroll %

Avg enrolled debt ($)

Funded %

Card fee %

Funnel

This interactive model is for internal planning and qualified partner discussions only. It does not constitute an offer to sell securities. The Investor Strategic Partner structure requires securities counsel before any external use.