Club money, handled. And the easy way into PIVT, where athletes get paid.
Snap! Raise reportedly keeps about a fifth of everything a club raises. Coaches hate it. They put up with it because the only other option is Venmo and a spreadsheet.
The treasurer tracks down late dues by hand across Venmo, Zelle and checks. No autopay, no clean record, and an awkward text to every parent who forgot.
TeamSnap and SportsEngine bury payments at 3.25% plus $1.50, deep inside heavy software built for admins, not for collecting money.
Nobody has built a money app for the person who actually runs a club. That gap is the whole company.
Payment plans and autopay. The family covers the card fee, so the club keeps almost everything.
Reminders go out on their own and failed cards get retried. This is the daily headache, gone.
The donor covers the fee, the link is branded, and the take always stays under Snap!.
Money lands in the club's own account. Clean receipts and exports the board will accept.
The engine already works. Stripe is wired up, payments split into installments, reminders run on their own, and money pays out to the club. The hard part is built.
Free plus four paid plans for every role. Clubs run $0, $49, $149, $249. Brands go up to $2,500. Agents and coaches up to about $1,500 to $2,000.
20% down to 4%
The rate drops as an agent moves up. Deals with no agent pay 20%. This is the big one at scale.
16% down to 0%
Always under Snap!. At Club Zero the flat $249 a month is the whole deal, so the take is nothing.
35 bps + $0.40 to 0
The family pays it, and we keep it under what TeamSnap charges.
Plus a few one off items: a $99 athlete sign up, media kits at $99 and $299, and tips on Club Zero. The subscriptions give you a steady floor. The cut of NIL deals is the line that compounds, because a tenth of a big and growing deal flow beats any seat fee.
We pay to land the club once. After that, dues, fundraising, athlete profiles and brand deals all earn off the same account, for years. On the NIL side one agent brings 15 to 50 athletes, so supply pours in cheap. The cut grows while the cost to acquire stays put.
We start with club soccer and volleyball in two or three busy metros, where directors all know each other and the money pain is real. Win the metro, then let density do the rest.
| Who | What they charge | Where we get in |
|---|---|---|
| Snap! Raise | about 20% | The cut. We run 16 down to 0, never 20, and we chase late payers, which they don't. |
| TeamSnap | 3.25% + $1.50 | Payments bolted onto a chat app. Weak on chasing. |
| SportsEngine | 3.2% + $1 to 4.5% + $2 | Heavy software sold by a sales team, built for admins, not a money app. |
| Zeffy and tips | 0% | Free fundraising on its own. No dues, no chasing, no roster, no NIL. |
| Venmo and sheets | "free" | The real one to beat. We win on clean records and not chasing people. |
We never pitch fundraising on its own against free. We sell the whole club, dues, chasing, roster and the PIVT recruiting and NIL pipeline, and the fundraiser comes along with it.
| Where it comes from | Year 1 | Year 3 | Year 5 |
|---|---|---|---|
| Subscriptions | $0.74M | $8.58M | $44.4M |
| Cut of NIL deals | $0.14M | $4.40M | $18.0M |
| Cut of fundraising | $0.24M | $2.07M | $9.45M |
| Dues margin | $0.03M | $0.44M | $2.73M |
| One off items | $0.06M | $0.35M | $1.20M |
| Total revenue | $1.22M | $15.8M | $75.7M |
| Money moved through us | $13.8M | $203M | $1.18B |
| Gross margin | 78% | 82% | 85% |
What drives it: 250 clubs growing to 9,000 (the growth rate slows from 3 times a year to 2), paid clubs going from a third to half, and NIL money moving from $1.2M to $180M. All the math sits in The money model.
| Accounts ASSUMPTION | Year 1 | Year 3 | Year 5 |
|---|---|---|---|
| Active clubs | 250 | 2,000 | 9,000 |
| Paying clubs | 80 | 840 | 4,500 |
| Free athlete profiles | 15,000 | 128,000 | 630,000 |
| Paying athletes | 450 | 4,480 | 25,200 |
| Brands, agents, coaches | 120 | 1,500 | 7,500 |
Each club brings about 200 families. Roughly a third set up a free profile, and a few percent pay for more. We get the NIL supply at the cost of collecting dues, not the cost of buying a marketplace.
| Total revenue | Low | Base | High |
|---|---|---|---|
| Year 1 | $0.7M | $1.22M | $1.9M |
| Year 3 | $7.5M | $15.8M | $29M |
| Year 5 | $33M | $75.7M | $145M |
| Year 5 money moved | $0.55B | $1.18B | $2.3B |
Three things swing the result: how fast clubs grow and how many pay, how much NIL money moves per athlete, and how well clubs turn into PIVT accounts. The low and high cases just push those three. No line goes up without a reason.
It costs roughly $600 to win a club and that club is worth about $10,200 over its life, once you add dues, fundraising and PIVT. The NIL money and the family supply ride on an account we already paid for. The cut keeps growing on top of a cost that doesn't.
The Stripe engine, payment plans, automatic chasing, late pay lockouts, payout setup, the brand kit and the app shell. No revenue yet. We are signing our first clubs by hand.
The founders sell to club directors, where one director can mean 6 to 40 teams. Families spread it to the next club. The fee calculator pulls people in. And we move the first 50 clubs over for free.
The one number we watch from day one: how many clubs turn into PIVT accounts. Admins starting a PIVT team, athletes setting up a profile. That number is the whole bet.
| When | What it buys | How we judge it |
|---|---|---|
| Year 1 | The iPhone app and App Store launch, 250 clubs in two or three metros, the PIVT handoff wired up | How fast a club gets its first payout, and how many turn into PIVT accounts |
| Year 3 | Android and a national push, the NIL marketplace finally has real deal flow, 2,000 clubs | NIL money moving, and revenue retention above 115% |
| Year 5 | We own the category, 9,000 clubs, the NIL cut is the biggest line | $1.18B moving through us and $64M in gross profit |
The amount and the split are a placeholder, so swap in the real round. We win the line item, we keep the cut, and we own the gap nobody else does: a money app for clubs with an NIL pipeline built in.