Agency Enterprise Value
Know the number before a buyer names it.
Your agency is probably the largest asset you own — and most owners hear what it's worth exactly once, from the buyer. This cockpit makes enterprise value the number you manage: a lender-style band up top, and every operational module below it working as a lever on that number, years before any sale.
Enterprise value · the number this portal exists to move
$3,270K – $5,450K
A range, never a point — built the way lenders underwrite agency books, at 1.5x – 2.5x revenue, driver-adjusted. Where you land in it, and whether you climb out of it, is operating work — not luck.
Blended retention
Needs history
gated
The single largest swing driver, but it requires multi-year renewal outcomes the engine does not yet have. Shown as the gap to close, not a number to trust.
Commercial share
20%
places toward the low end
Line-of-business classification from the AMS book export.
Carrier concentration
Top-3 51%
places toward the high end
Commission by carrier in the book; high concentration is a buyer/lender discount driver.
Monoline share
32%
places toward the high end
Single-policy households from tokenized book grouping; rounding lifts retention and value.
Commission integrity
$3,508 identified
proof-quality and cashflow driver
Recon engine findings from the current statement set; clean books underwrite better.
Band, never point estimate. · Cashflow shown before enterprise-value consequence. · No M&A advice, fairness opinion, or sale recommendation. · Seller-intent behavior never leaves the privacy wall except as n>=5, metro-grain wave signal. · Confidence: directional until lender co-calibration and real agency history exist
The levers
Five levers move that number.
Where the book trades inside the band — and whether it climbs out of it — comes down to work you control. Each lever below is live in this cockpit.
- 01Defend retentionBlended retention is the single largest swing driver of the multiple. Every renewal saved is enterprise value defended.$513,527commission at stake · 90 days
- 02Prove clean financialsA reconciled, carrier-footed commission history is what buyers and lenders underwrite. Recovered dollars are cash today; the clean ledger is proof quality at the table.$3,508recoverable commission found
- 03Groom the book’s mixCommercial-heavy, account-rounded books with balanced carrier spread trade at the top of the band. Mix is a lever you move policy by policy.20.1% / 32.1%commercial share / monoline share
- 04Make cashflow predictableBuyers pay for predictability. A forward commission calendar turns your book from a story into an instrument a lender can price.$2,120,512projected 12-month commission
- 05Stay exit-readyThe best exits are prepared years before they’re offered. A diligence-ready dataroom shortens every deal and protects your price.46%dataroom completeness
Lever 01 · Retention
Every renewal saved is enterprise value defended.
Blended retention is the single largest swing driver of the multiple — books holding 92–93%+ trade at a premium; below 85% they discount. The next 90 days of X-dates, ranked by what's at stake, are where that number is won or lost.
$513,527
Commission at stake · 90 days
875
Renewals in window
169
High-risk accounts
169
Remarket
431
Call and save
275
Let ride
- ProgressiveAUTO · renews in 76 days · $191 at stake22.9% rate
- Texas MutualWORKERS_COMP · renews in 63 days · $2,044 at stake21.9% rate
- TravelersHOME · renews in 86 days · $562 at stake24.6% rate
- TravelersHOME · renews in 9 days · $472 at stake22.2% rate
- ASIHOME · renews in 14 days · $639 at stake14.0% rate
- ProgressiveAUTO · renews in 59 days · $449 at stake27.2% rate
- ProgressiveAUTO · renews in 60 days · $371 at stake25.7% rate
- ProgressiveAUTO · renews in 80 days · $520 at stake24.7% rate
Lever 02 · Proof-quality financials
Clean, reconciled commission — cash today, credibility at the table.
Every carrier statement parsed, footed against the carrier's own printed total, and reconciled against what you were owed. The recovered dollars are yours now; the reconciled ledger is what a buyer's diligence team and a lender's underwriter actually trust. This engine is running today.
$3,508
Recoverable this run
5
Open findings · 12 carriers
6
Statements footed clean
Awaiting 6 carrier statements for 2026-06
0 overdue · synthetic_modelPer-carrier cadence inferred from received-period history. No new connector — derived from statements already ingested.
| Carrier | Finding | Impact | Next step |
|---|---|---|---|
CNA FAKE-CNA-100000 | Chargeback exceeds prior paid | $3,148 | Dispute excess clawback with carrier; request transaction-level support. |
Berkshire GUARD FAKE-BER-100000 | Paid below expected rate | $176 | Request rate correction from carrier; verify commission agreement for this LOB/term. |
Safeco FAKE-SAF-100001 | Paid below expected rate | $80 | Request rate correction from carrier; verify commission agreement for this LOB/term. |
Safeco FAKE-SAF-100000 | Paid below expected rate | $70 | Request rate correction from carrier; verify commission agreement for this LOB/term. |
Nationwide FAKE-NAT-100000 | Active policy missing payment | $35 | Query carrier for missing period payment; verify policy/billing status. |
Run this on your book
See your band, your levers, and what we’d find in your statements.
Same engine, your agency. We’ll prepare your value diagnostic before any data-use agreement or upload.
Lever 03 · Book mix
Your book, groomed like a portfolio a buyer wants.
Commercial-heavy, account-rounded books with balanced carrier spread trade at the top of the band. Every account here carries a disposition — moving composition toward the recurring core lifts the multiple, not just the premium.
- ROUNDMonoline personal-lines policies still worth cross-sell effort.277 policies · $833,790 premium
- HOLDCommercial and specialty recurring core that supports terminal value.744 policies · $8,698,750 premium
- HARVESTOlder monoline personal-lines tail after the likely rounding window.704 policies · $2,259,934 premium
- MILKOther/low-strategy service cash; preserve but do not build the equity story around it.1975 policies · $6,376,331 premium
51%
Top-3 carrier share
moderate concentration - watch. Buyers price concentration above ~70% as risk — this is a discount you can un-earn before diligence.
- Travelers20.7%
- Progressive18.2%
- Hartford12.1%
3.7%
Top-10 client share
diversified account base across 2261 accounts. Raw client identities never enter this layer.
Lever 04 · Predictable cashflow
Buyers pay for predictability.
A 12-month forward view of commission receipts from your book's X-dates — the difference between a story and an instrument a lender can price. Sep is the heaviest renewal concentration.
$2,120,512
Projected 12-month commission
Jun
$95,713
Jul
$175,168
Aug
$191,319
Sep
$211,454
Oct
$170,877
Nov
$178,189
Dec
$177,440
Jan
$186,415
Feb
$177,124
Mar
$196,608
Apr
$183,101
May
$177,104
Lever 05 · Exit readiness
The call comes when it comes. Be the clean deal.
Consolidators and lenders move fast when a book fits — and the owner with a diligence-ready dataroom sets the terms. Every missing artifact below is a punch-list item your CPA and lender can validate long before there's a buyer in the room.
46%
Dataroom completeness
4 of 8
Advisor categories ready
5
Findings to clear before diligence
Commission statements parsed and footed
readyAMS/book export
readyRecovery packets
readyRenewal worklist
readyContingency contracts
missingCarrier production reports
missingFinancial statements
missingLender-calibrated valuation
gatedWe never earn on, in, or around the sale of your agency — no success fee, no broker role. The dataroom exists so that when you choose to transact, the price reflects the book, not the paperwork.
Market context
The market you'd sell into: DFW, trailing 90 days.
Carrier appointment churn from the Texas Dept. of Insurance appointment spine — who is appointing and who is contracting in your metro. Appetite and consolidation pressure shape both your placement options and your eventual buyer pool. No agency data required for this view.
Progressive
Top appointing carrier
Nationwide
Top contracting carrier
| Carrier | Appointed (90d) | Terminated (90d) | Net | Signal |
|---|---|---|---|---|
| Nationwide | 12 | 41 | -29 | contracting appointments |
| Progressive | 58 | 9 | +49 | actively appointing |
| Safeco / Liberty | 7 | 23 | -16 | contracting appointments |
| Travelers | 31 | 14 | +17 | actively appointing |
format-only sample in the demo; production queries the live TDI appointment dataset
In plain sight
How we make money — and what we never take.
The platform is free for your agency. Founding partners shape the product and keep it free.
Who pays us
Premium-finance companies
Pay a platform fee when a policy is financed through a PF partner you choose. Your agency’s own PF revenue share stays yours, untouched.
Lenders
Pay a referral fee when you choose financing — working capital, acquisition, perpetuation — through a lending partner. The lender pays; your terms are the market’s.
Disclosed service partners
VA/BPO staffing and E&O placement routing pay placement fees, always shown as such.
What we never take
- No cut of your commissions — recovered or otherwise. Every leakage dollar is 100% yours.
- No compensation on the sale of insurance. We are not licensed producers and never touch placement economics.
- No success fee on the sale of your agency. We route lenders and keep your dataroom sharp — never paid on, in, or around the transaction.
- No selling your data. Benchmarks exist only as anonymized cohorts of five or more agencies.
The more money the platform finds, defends, and projects for you, the more financing moments occur naturally — and the counterparties pay for the introduction. Our incentive is your cashflow and your enterprise value.
The guarantees
What makes the free promise credible.
Proven complete
Every statement must sum to the carrier’s own printed total before any analysis. Mismatch quarantines, never guesses.
Tokenized identities
Client names become tokens on arrival. Real identities never enter the analysis layer.
Provable deletion
One request deletes everything, with a verification report. Append-only audit log of every access.
Your advisors, routed to
CPA and attorney are routed to, never around. Decision support and benchmarking — never legal, tax, or investment advice.
Under the hood
What is live, modeled, and gated.
Commission Integrity
synthetic_validatedRenewal Defense
synthetic_validatedCashflow Projection
synthetic_modelContingency Tracker
illustrative_onlyBook Composition
synthetic_modelValuation Band
directional_modelDataroom Readiness
synthetic_modelAdvisor Packet
synthetic_modelNo roadmap surface is dressed as a validated result. Real artifacts require a data-use agreement, deletion controls, and advisor review before any customer-facing claim.
E&O renewal in 78 days (demo date) · prep window opens 2026-06-28
synthetic_modelRecovery disputes the engine recommends carry their own E&O exposure if pursued on weak evidence. Findings below a confidence threshold are surfaced with a caveat and never presented as certainties.