Financials & Deal Terms

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Full Financial Breakdown

Every bill. Every salary. Every milestone. All the details behind the model.

Showing 24-month projection at $22,200 investment. Move the slider — every row recalculates.

24-Month Projection — every month, line by line

Investment scenario: $22,200Cum EBITDA: $387,723

Starting baseline — mid-June 2026

Current demand: 3 organic appts/wk + $1,200/mo ads · Organic growth: 15% MoM · HM fed today: <1 full-time · Appts: ~38/mo · Monthly Ohana revenue: ~$3,400 · Actuals to date: ~$29K gross / ~$14K Ohana revenue

Month	Cash Start	Investor	Bills	Salaries	Tax	Savings	Ad Spend	Appts	HM	Ohana Rev	Profit	Cash End	Runway
Jun'26	$7,500	$1,850	$5,350	$0	$0	$0	$1,270	41	1	$3,848	-$3,154	$6,196	0.9 mo
Jul'26	$6,196	$1,850	$5,350	$0	$0	$0	$1,548	49	1	$4,610	-$3,162	$4,885	0.7 mo
Aug'26	$4,885	$1,850	$5,350	$0	$0	$0	$2,310	68	2	$6,413	-$3,184	$3,551	0.5 mo
Sep'26	$3,551	$1,850	$5,350	$0	$133	$399	$3,581	99	2	$9,317	-$2,837	$2,165	0.3 mo
Oct'26	$2,165	$1,850	$5,350	$0	$496	$1,488	$5,034	134	3	$12,637	-$1,832	$695	0.2 mo
Nov'26	$695	$1,850	$5,350	$0	$911	$2,733	$6,693	174	4	$16,432	-$684	$0	0.4 mo
Dec'26	$0	$1,850	$5,350	$0	$1,385	$4,156	$8,591	220	5	$20,773	$629	$0	0.6 mo
Jan'27	$0	$1,850	$5,354	$0	$1,927	$5,782	$10,760	272	7	$25,738	$2,130	$0	0.9 mo
Feb'27	$0	$1,850	$5,364	$0	$2,547	$7,640	$13,237	332	8	$31,410	$3,844	$0	1.1 mo
Mar'27	$0	$1,850	$5,376	$0	$3,254	$9,763	$16,067	401	10	$37,896	$5,802	$0	1.4 mo
Apr'27	$0	$1,850	$5,390	$0	$4,063	$12,190	$19,303	480	12	$45,315	$8,041	$0	1.7 mo
May'27 ◇	$0	$1,850	$5,406	$3,437	$4,129	$12,388	$23,004	569	14	$53,805	$8,024	$0	1.7 mo
Jun'27	$0	—	$5,424	$4,061	$5,032	$15,097	$25,391	631	15	$59,640	$12,337	$0	2.0 mo
Jul'27	$0	—	$5,436	$4,490	$5,653	$16,959	$28,302	706	17	$66,702	$14,029	$0	2.2 mo
Aug'27	$0	—	$5,451	$5,009	$6,404	$19,212	$31,825	796	19	$75,192	$16,078	$0	2.4 mo
Sep'27	$0	—	$5,469	$5,633	$7,307	$21,921	$36,061	903	22	$85,341	$18,541	$0	2.6 mo
Oct'27	$0	—	$5,491	$6,379	$8,386	$25,159	$41,125	1,031	25	$97,416	$21,485	$0	2.8 mo
Nov'27	$0	—	$5,516	$7,267	$9,671	$29,012	$47,150	1,182	28	$111,727	$24,987	$0	2.9 mo
Dec'27	$0	—	$5,546	$8,319	$11,193	$33,578	$54,290	1,361	33	$128,628	$29,138	$0	3.0 mo
Jan'28	$0	—	$5,582	$9,562	$12,990	$38,971	$62,723	1,572	38	$148,529	$34,040	$0	3.1 mo
Feb'28	$0	—	$5,624	$11,025	$15,107	$45,321	$72,652	1,819	44	$171,903	$39,813	$0	3.2 mo
Mar'28	$0	—	$5,674	$12,743	$17,593	$52,779	$84,315	2,109	51	$199,294	$46,521	$0	3.3 mo
Apr'28	$0	—	$6,082	$14,402	$20,551	$61,653	$97,806	2,444	59	$230,960	$53,727	$0	3.3 mo
May'28	$0	—	$6,149	$15,639	$24,192	$72,575	$113,606	2,893	69	$273,397	$63,409	$0	3.4 mo

◇ M12 = Series A target. Each month: cash start + investor runway slice + last month's revenue → pay bills + salaries → set aside tax (30%) + savings (toward 12 mo runway) → whatever's left becomes ad spend. Ads × CAC = paid jobs; +organic = total jobs; ÷ 7 ÷ 4.33 = handymen fed. All months above project forward from the mid-June 2026 starting baseline based on the investment slider.

Market Entry Viability Rule

30% Margin Threshold — Three-Way Test

Ohana Helps only enters markets where:

Vendors earn equal to or more than self-employed independent rates in that area
Customers pay competitive local market rates
Platform margin is at least 30% after vendor payout and customer acquisition cost

If a market cannot satisfy all three conditions simultaneously, we do not enter it. This protects vendor quality, customer value, and platform sustainability.

Current baseline: Phoenix AZ

Vendor earns: $135/appt vs ~$125 self-employed ✓

Customer pays: $75/hr vs $75 local avg ✓

Platform margin: 40% ✓

Each new market is pre-validated against this same three-way test before launch.

Monthly Fixed Costs (SaaS & Operations)

Line Item	Monthly Cost	Notes
Lovable — platform hosting	$300	Core platform
Supabase — database	$250	Scales with usage
Claude AI — base plan	$100	Fixed tier
Claude AI — API credits	$1,500	Variable, avg/mo
Google Business Suite	$250	Email, docs, drive
ElevenLabs — voice AI	$300	Phone agent
Twilio — SMS/calls	$300	Grows with volume
Resend — email delivery	$300	Grows with list
OpenAI	$150	Supplemental AI
QuickBooks	$150	Accounting
Constant Contact (removing)	$250	Being phased out
Ancillary / misc	$200	Phones, Zoom, etc.
Handyman insurance (platform)	$350	Covers all 48 current HM. Per-HM cost drops sharply at scale.
TOTAL Fixed Costs	$5,150	Baseline before ads & salaries

Advertising Budget

Item	Current	Notes
Ad management fee	$200/mo	Fixed service fee
Local service ad spend	$1,200/mo	Current monthly ad spend
Total ad budget	$1,400/mo	Generates ~27 paid appts/mo at $45 CAC

Salary Phase-In — tied to handyman milestones (not dates)

Role	<12 HM	12–48 HM	48–100 HM	100–300 HM	300+ HM	Target Annual
Joshua Ezell — CEO	$1,000	$3,000	$8,000	$12,000	$16,667	$200,000
Steven White — CTO	$1,000	$2,500	$7,500	$12,000	$16,667	$200,000
Eugene Kolesnik — Dev	$1,000	$2,000	$4,167	$6,667	$8,333	$100,000
Petera Major — Dev	$1,000	$2,000	$4,167	$6,667	$8,333	$100,000
CFO (part-time)	$0	$500	$2,000	$5,000	$8,333	$100,000
CMO	$0	$0	$3,000	$7,000	$10,000	$120,000
Chief HM Officer	$0	$0	$2,000	$5,000	$8,333	$100,000
TOTAL Team/mo	$4,000	$10,000	$30,834	$54,334	$76,666	—

Salaries only increase when revenue from HM milestones supports them. Tax, savings reserves, and bonuses are separate and milestone-gated.

Profit Split & Reserves

Once Profitable · Every Month

Bills and salaries are paid first. What's left = profit. Profit splits 50/50:

50%

→ Growth

Ads + CAC · compounds into next month's appts

50%

→ Reserves

Taxes · Savings · Runway · Cash on hand

Reserves bucket fills in this order:

Tax set-aside — ~30% of profit, parked monthly
Savings — until 12 months of bills are covered
Cash on hand — hires, dev, new projects · our call

Stripe processing: 2.9% of gross revenue — deducted automatically as a cost of revenue, before the profit split below.

Cap Table — 9,445,736 Fully Diluted Shares (as of Jun 15, 2026)

Holder	Shares	Ownership	Notes
Joshua Ezell — Co-Founder & CEO	4,875,000	57.72%	Founder shares
Steven White — Co-Founder & CTO	2,500,000	29.60%	Co-founder shares
Michael Ezell — Secretary	250,001	2.96%	Issued
Charlotte Ezell — Investor	250,000	2.96%	Issued
Molly Wicklund-Ezell — Investor	250,000	2.96%	Issued
Eugene Kolesnik — Developer	200,000	2.37%	Issued
Petera Major — Developer	100,000	1.18%	Issued
Jeff Christian — Investor	10,735	0.13%	Issued
Randy Courtney — Investor	10,000	0.12%	Issued
Common outstanding	8,445,736	89.41%	Total issued & outstanding (fully-diluted %)
Option pool — 2026 Equity Plan	1,000,000	10.59%	Reserved for future hires (fully-diluted %)
FULLY DILUTED	9,445,736	100%	Convertible note ($3M cap, 20% discount) converts at Series A

As we grow — how costs evolve

Stage	HM	Fixed + Ads	Salaries	Total Burn	Revenue	Margin
Today	<1	$6,650	$0	$6,650	~$3,400	negative
S1	12	$21,730	$4,000	$25,730	$32,760	27%
S2	47	$69,630	$10,000	$79,630	$128,160	38%
S3	100	$142,850	$30,834	$173,684	$272,700	56%
S4	300	$379,200	$54,334	$433,534	$818,100	68%
S5	1,000	$1,057,700	$76,666	$1,134,366	$2,727,000	73%
S6	10,000	$8,464,800	$400,000	$8,864,800	$27,300,000	81%

Costs grow as we grow — but always slower. Every new HM adds more revenue than cost. Every new state compresses margin briefly then expands it permanently as CAC falls.

Scaling Overhead — Checkr Background Checks & Insurance

Why this is a scaling cost — not a fixed cost

We pay Checkr $50/applicant today(drops to $35 at 100+ applicants/mo) for every applicant — including the ~15% who fail. Of those who pass, roughly half don't claim the 4-appt minimum in month 1 and get dropped, so we re-run checks to replace them. Net effect: we burn 2.35 applicants per keeper.

The current 50+ signed-up HM have already cleared or entered the onboarding pipeline — zero incremental BG cost on the existing base. The line below only appears when we're actively growing working headcount.

Insurance — platform-level coverage

Currently $350/mo covering the signed-up handyman base as a platform policy (~$7.30 per HM/mo). Total premium grows with headcount, but cost per HM drops sharply once we partner with a carrier to offer coverage through the platform — handymen pay their own premium at group-buying rates, and Ohana retains a small admin/referral margin.

Growth stage	Net new HM / mo	Applicants / mo	Checkr $/appl	BG check / mo	Insurance / mo	Total scaling overhead
Today (50+ signed up, flat)	0.0	0.0	$50	$0	$700	$700
48 → 100 (Phoenix)	6.5	15.3	$50	$765	$700	$1,465
100 → 300 (AZ)	16.7	39.2	$50	$1,961	$2,500	$4,461
300 → 1,000 (TX/FL)	38.9	91.5	$50	$4,575	$6,000	$10,575
1,000 → 3,000	83.3	196.1	$35	$6,863	$15,000	$21,863
3,000 → 10,000	194.4	457.5	$35	$16,013	$35,000	$51,013

Today's burn already includes the $350/mo insurance line. BG check spend only kicks in once we deploy funding and start turning the signed-up supply into more working, fed handymen. By 100 HM the combined overhead is ~$1,400/mo against ~$95K/mo profit. By 1,000 HM, per-HM overhead is below the cost of one Stripe fee — it stops mattering as a percentage of revenue.