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How we make money

How Simma makes money.

A subscription per business, plus a share of every payment that runs through Simma Pay. Free is the cheapest way to start; paid plans add users, customers and AI-team capacity.

Pricing

Free to start. Priced to grow with the business.

The cheapest way to start: on Free there is no monthly bill until the business is paid. For a business taking its first few hundred pounds a month, that costs less than a website, booking tool, email tool and card processor bought separately. As it grows, it pays for the whole system: one record, the AI team, nothing to join up.

Subscription · per business, per month
Free£01 user
Lite£492 users
Starter£995 users
Business£19910 users
Pro£29925 users
Scale£49950 users

Every plan includes the website, bookings, CRM, payments and the AI team. Paid plans add users, customers and AI-team capacity. Extra users £5/month. Franchise pricing is custom.

Simma Pay · on every payment

5%+ 50p

2.5%+ 25p on Scale

Simma earns when the business gets paid. Paid plans lower the rate: 4% + 40p on Lite and Starter, 3.5% + 35p on Business, 2.5% + 25p on Pro and Scale.

The financial model

Five years, three rounds, profitable in year four.

Built from the customer ramp on the Market page — mostly micro businesses, with small and medium customers from year three and the first enterprise customers in year five. Revenue is subscription plus the Simma Pay margin. A plan, not a forecast.

Revenue in the year £58k£1.2m£9.4m£38.2m£116.5m Y1Y2Y3Y4Y5
EBITDA — profit before interest, tax and depreciation −£0.4m−£1.4m−£3.1m+£1.0m+£24.8m Y1Y2Y3Y4Y5
Year 1
Year 2
Year 3
Year 4
Year 5
Paying customers at year end
50
1,000
6,000
20,000
50,000
micro / small / medium / enterprise
50/–/–/–
1,000/–/–/–
5,850/130/20/–
19,200/700/100/–
47,000/2,500/498/2
Revenue
£58k
£1.2m
£9.4m
£38.2m
£116.5m
of which subscription
£27k
£0.6m
£4.0m
£15.8m
£45.1m
of which Simma Pay margin
£31k
£0.6m
£5.3m
£22.4m
£71.5m
Annual run-rate at year end
£115k
£2.3m
£16.4m
£59.8m
£172.9m
Gross marginAfter hosting, AI, payment losses and support
88%
75%
81%
84%
86%
Sales & marketingTeam, winning customers, brand
£0.2m
£1.5m
£8.0m
£24.3m
£61.7m
Product & engineering
£0.1m
£0.4m
£1.4m
£3.6m
£7.3m
Operations, overheads, legal
£0.1m
£0.4m
£1.4m
£3.1m
£6.2m
EBITDA
−£0.4m
−£1.4m
−£3.1m
+£1.0m
+£24.8m
Headcount at year end
4
20
65
152
287
Equity raised
£0.75m
£3m
£10m
—
—
Cash at year end
£0.3m
£1.9m
£8.8m
£9.8m
£34.5m
NowPre-seed · £0.75m

£4m cap via SeedFAST. Paul full-time, a team of four, the first 50 customers, the channels that work.

Start of year 2Seed · £3m

Self-serve, referral and partner channels; the team to 20; 1,000 customers.

Start of year 3Series A · £10m

The US opens; franchise and multi-location groups bring the first small and medium customers.

Key assumptions, by customer size (micro / small / medium / enterprise): revenue per customer ~£2.4k / £12.5k / £61k / £152k a year; customers lost each year 30% / 20% / 12% / 5%; cost to win £400–£1,000 / £3,000 / £12,000 / £60,000; hosting, AI and support £20 / £80 / £300 / £1,500 a month. Cash is simplified — no working capital, tax or R&D tax credits. Seed and Series A sizes are placeholders sized to the cash need. The full model — every assumption editable — is available on request.

The raise that gets it there.