All-in-one mobile app for independent contractors. Estimates, payments, clients, jobs, reports — powered by Tap to Pay.
| Solution | Price | Problem |
|---|---|---|
| ServiceTitan | $500+/mo | Enterprise, overkill |
| Housecall Pro | $65+/mo | Expensive, complex |
| Jobber | $49+/mo | Desktop-first |
| Invoice Simple | $10/mo | Invoicing only |
| JobPocket | $0–29/mo | All-in-one, mobile-first |
No hardware. No desktop. No office staff.
Accept cards via iPhone NFC. No reader hardware needed. Works on iPhone 7+ with iOS 15+.
Complete Spanish localization. 34% of US construction workers are Hispanic. No competitor offers this.
Work without internet. All data syncs automatically when connection is restored.
Owner / Manager / Worker roles. Assign jobs, track time, manage permissions.
Revenue analytics, expense tracking, receipt OCR, QuickBooks export. Tax-ready.
Google Calendar + device calendar integration. Recurring jobs auto-schedule.
Solo technical founder built the entire product in 4 months. Zero external funding. Zero debt.
| Plan | Price | Target |
|---|---|---|
| FREE | $0/mo (1.5% fee) | Revenue via payment fees |
| PRO | $49/mo (1% fee) | Solo contractors |
| BUSINESS | $79/mo (1% fee) | Crews (5 users) |
1.5% platform fee (FREE plan) / 1% (paid plans) on every Stripe transaction
Upgrade incentive: Break-even at $9,800/mo processed — 1.5% × $9,800 = $147 > $49 + 1% × $9,800
Avg contractor gross: $20K/mo. 2% free fee is below market rate (Square 2.6%, Toast 2.99%). Free users are not a cost center — they are a revenue engine.
Apple IAP does NOT apply to payment processing revenue.
| Channel | CAC | % Mix | Weighted |
|---|---|---|---|
| Organic (ASO, WOM) | $0 | 30% | $0 |
| Referral program | $10 | 20% | $2.00 |
| Paid ads (Meta/Google) | $30 | 40% | $12.00 |
| Supply house partnerships | $20 | 10% | $2.00 |
| Blended | 100% | $16.00 |
| Scenario | Churn/mo | Lifetime | LTV | LTV:CAC |
|---|---|---|---|---|
| Optimistic | 3% | 33 mo | $3,515 | 220:1 |
| Base | 5% | 20 mo | $1,938 | 121:1 |
| Pessimistic | 8% | 12.5 mo | $1,331 | 83:1 |
Even worst-case paid LTV:CAC is 83:1 — the unit economics work across all scenarios.
| Year 1 | Year 2 | 24-Mo Total | |
|---|---|---|---|
| Paid subscriptions | $56K | $790K | $846K |
| Paid user fees (1%) | $51K | $597K | $648K |
| Free user fees (2%) | $161K | $1.39M | $1.55M |
| Total Revenue | $268K | $2.78M | $3.04M |
This is a payments business with a SaaS acquisition layer.
| Year 1 | Year 2 | |
|---|---|---|
| Revenue (MRR) | $268K | $2.78M |
| Infrastructure | ($5.4K) | ($32K) |
| Gross Profit | $263K | $2.75M |
| Gross Margin | 98% | 99% |
| Marketing ($2K + 30% GP) | ($102K) | ($627K) |
| Rev Share (10% GP) | ($26K) | ($234K) |
| Net Profit | $133K | $1.34M |
| Net Margin | 50% | 48% |
Model is self-funded from Month 3. Only ~$3K initial investment. Marketing budget scales with revenue (flywheel).
| M | Users | Paid | Free | MRR Paid | MRR Free | Total MRR | Infra | Mktg | Net | ΣNet |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 50 | 2 | 48 | $213 | $288 | $501 | $150 | $2,105 | ($1,789) | ($1.8K) |
| 2 | 130 | 6 | 124 | $639 | $868 | $1,507 | $180 | $2,398 | ($1,204) | ($3.0K) |
| 3 | 250 | 18 | 232 | $1,917 | $1,856 | $3,773 | $250 | $3,057 | +$114 | ($2.9K) |
| 4 | 370 | 28 | 342 | $2,982 | $3,078 | $6,060 | $300 | $3,728 | +$1,456 | ($1.4K) |
| 5 | 520 | 42 | 478 | $4,473 | $4,780 | $9,253 | $380 | $4,662 | +$3,324 | +$1.9K |
| 6 | 800 | 70 | 730 | $7,455 | $8,760 | $16,215 | $500 | $6,715 | +$7,429 | +$9.3K |
| 9 | 1,450 | 140 | 1,310 | $14,910 | $18,340 | $33,250 | $750 | $11,750 | +$17,500 | +$50K |
| 12 | 2,500 | 250 | 2,250 | $26,625 | $36,000 | $62,625 | $1,200 | $20,428 | +$34,855 | +$133K |
| 15 | 4,000 | 420 | 3,580 | $44,730 | $64,440 | $109,170 | $1,800 | $34,211 | +$62,422 | +$291K |
| 18 | 5,500 | 600 | 4,900 | $63,900 | $98,000 | $161,900 | $2,500 | $49,820 | +$93,640 | +$540K |
| 21 | 7,800 | 920 | 6,880 | $97,980 | $151,360 | $249,340 | $3,200 | $75,842 | +$145,684 | +$926K |
| 24 | 10,000 | 1,300 | 8,700 | $138,450 | $208,800 | $347,250 | $4,000 | $104,975 | +$203,950 | +$1.48M |
Customer pays: $350.00 Stripe processing (2.9%+$0.30): -$10.45 → Stripe JobPocket fee (2% free/1% paid): -$7.00 / -$3.50 → JobPocket Stripe payout (0.25%): -$0.88 → Stripe Contractor receives (free): $331.67 Contractor receives (paid): $335.17 JobPocket keeps (free user): $7.00 (2.00%) JobPocket keeps (paid user): $3.50 (1.00%) Stripe keeps: $11.33 (3.24%)
| Month | Total Users | Processing | Volume/mo | Fee Revenue |
|---|---|---|---|---|
| M1 | 50 | 7 | $49K | $501 |
| M6 | 800 | 175 | $1.2M | $16K |
| M12 | 2,500 | 625 | $4.4M | $63K |
| M18 | 5,500 | 1,650 | $11.6M | $162K |
| M24 | 10,000 | 3,500 | $24.5M | $347K |
| Adoption % | Free Fee MRR | Total MRR |
|---|---|---|
| 5% | $35K | $174K |
| 15% | $104K | $243K |
| 30% (base) | $209K | $347K |
| 42% | $292K | $431K |
| Metric | Pessimistic | Base | Optimistic |
|---|---|---|---|
| Total users M24 | 950 | 10,000 | 45,000 |
| Paid users M24 | 80 | 1,300 | 6,500 |
| MRR M24 | $12.5K | $347K | $2.81M |
| Y2 ARR | $150K | $4.17M | $33.7M |
| 24-mo cumul profit | +$24K | +$1.48M | +$11M |
| Max investment | $11.6K | $3.0K | $1.0K |
| Lever | Change | Y2 ARR Impact |
|---|---|---|
| Free user payment adoption | 30%→42% | +$1.2M |
| Free→Paid conversion | 13%→20% | +$0.9M |
| Avg gross revenue | $20K→$25K | +$1.0M |
| Paid monthly churn | 5%→3% | +$0.5M |
| Metric | JobPocket | Top SaaS |
|---|---|---|
| Gross margin | 98–99% | 70–85% |
| LTV:CAC (paid) | 121:1 | 3–5:1 |
| Blended LTV:CAC | 30:1 | 3–5:1 |
| Net margin (Y2) | 48% | 20–30% |
| Initial investment | $3K | $500K–2M |
| Monthly BE | Month 3 | 18–36 mo |
| Time to $1M ARR | Month 14 | 18–36 mo |
Payment fee revenue (60% of MRR at M24) has near-zero marginal cost. Stripe handles all payment infrastructure. JobPocket collects 2%/1% platform fee on existing transaction flow. Free users are not a cost center — they generate revenue from day one.
Contractors may prefer cash/check to avoid fees.
Mitigation: Tap to Pay UX is frictionless. Auto payment links to customers. BNPL incentivizes card usage.
Contractors create estimates but accept payment outside.
Mitigation: Reports/tax only work with tracked payments. Job status tied to payment confirmation.
Apple takes 30% of subscription revenue.
Mitigation: Only affects 20% of revenue. Push web billing. Platform fees are exempt from IAP.
Users abandon after initial usage.
Mitigation: Data lock-in (client/payment history). Team features. Recurring jobs. Even at 8% churn, LTV:CAC paid = 83:1.
Housecall Pro or Jobber drops prices.
Mitigation: 60% of revenue is payment processing — independent of subscription pricing.
Stripe modifies platform fee structure.
Mitigation: Diversify to Adyen/Square. Negotiate volume pricing at scale.
FREE plan as main hook. Target Spanish-speaking contractors in TX, CA, AZ. Facebook groups + local demos. $2K/mo paid ads from Day 1. Validate 2% fee acceptance.
QuickBooks integration. Supply house partnerships. Bilingual YouTube/TikTok content. Referral program. Marketing scales with gross profit (flywheel begins).
Self-funded flywheel: $2K base + 30% of gross profit → marketing. Expand verticals (pest control, carpet cleaning). Hire developer from rev share budget.
| Channel | CAC | Mix |
|---|---|---|
| Organic (ASO, word of mouth) | $5 | 40% |
| Referral program | $8 | 15% |
| Paid ads (Meta / Google) | $25 | 30% |
| Supply house partnerships | $15 | 15% |
| Blended | $15 | 100% |
Every free user generates revenue via 2% fee. More users → more GP → more marketing budget → more users. No external funding required after M2.
Spanish-speaking contractors in TX/CA/AZ are the beachhead. Zero competitors serve them. FREE plan + Spanish = lowest barrier in the market.
Apple opened NFC for payments. Contractors can accept cards without hardware for the first time. This is a game-changer for the field.
34% of US construction workers are Hispanic/Latino. Zero competitors offer full Spanish. This is access to 2M+ underserved contractors.
Even resistant contractors now expect mobile-first tools. The market is ready for a modern, affordable solution.
ServiceTitan's complexity and price increases push small contractors to seek alternatives. Gap in the market is widening.
| Company | Valuation | Multiple |
|---|---|---|
| ServiceTitan (IPO '24) | $9.5B | ~15x ARR |
| Housecall Pro (acq.) | $500M+ | ~12x ARR |
| Jobber (Series D) | $600M | ~10x ARR |
| JobPocket Y2 @ 10x | $41.7M | 10x ARR |
Solo technical founder — designed, built, and shipped the entire product:
Deep integration of payments, Spanish localization, and mobile-native features — difficult to replicate quickly.