SMS Cash Flow Model
Business Model
Agency
20%
Override Spread
Agent Charges
Pay Per Close
$200
Per Close
Furnace Investment
Per Workflow
$0.15
Per Workflow
Leads
50,000
Contact Response Rate
21.50%
Of the people we text, this share reply. Measured across 2026 volume.
People Who Reply
10,750
Real humans who texted us back.
Inbound Messages
22,575
2.10 messages back per person who replies.
Appointments
750
Lead → Appt
1.50%
CPA
$28.73
Closes
75
Appt → Close
10%
CAC
$287.29
Submitted
$123,750.00
What we turned in
Gross issued
$99,000.00
Everything that ever placed. Pays the advance.
Net issued
$84,150.00
What stays on the books. Pays renewals.
Lead Spend (Upfront)
$10,000.00
Usage Costs (Pay As You Go)
$11,546.49
Total Operating Expenses$21,546.49
Advanced (Paid Now)
$14,850.00
Backend (Earned Later)
$4,207.50
Total Commission Revenue$19,057.50
Pay Per Close Revenue(Charged to Agents)
$15,000.00
Total Revenue (Advance)
$29,850.00
Total Revenue (w/ Backends)
$34,057.50
Profit (Advanced)
$8,303.51
1.39x
ROAS
38.5%
return
Profit (with Backend)
$12,511.01
1.58x
ROAS
58.1%
return