Flexible insurance payments synced to your cashflow—no more premium shocks.
Bootstrapped small business owners are burdened by skyrocketing insurance premiums due to the absence of tailored insurtech solutions that accommodate their lean, cash-strapped operations.
FlexGuard offers revenue-linked insurance billing: pay percentages of premiums when revenue flows, deferring rest interest-free. Tailored for bootstrapped volatility, it partners with insurers for adjustable policies. Owners stabilize cashflow while staying fully covered.
Bootstrapped small business owners with lean operations and tight cash flow
Dynamic billing tied directly to Stripe/PayPal revenue data for true pay-as-you-grow.
professional
Connect Stripe to auto-adjust payments.
Model payments based on projected revenue.
Track owed vs. paid, with deferral status.
Ensure coverage during low-revenue periods.
Notifications for upcoming deferrals.
Analyze past payments for optimization.
Link multiple revenue streams.
Generate payment summaries.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| base_premium | int | No |
| defer_rate | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| policy_id | uuid | No |
| revenue_amount | int | No |
| paid_amount | int | No |
| deferred_amount | int | Yes |
| date | timestamp | No |
Relationships:
/api/policiesCreate flexible policy
/api/revenue/webhookProcess Stripe webhook
/api/paymentsFetch payment history
No live billing
1 account
Unlimited
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 90 | 3% | $54 | $648 |
| Month 6 | 900 | 7% | $1,050 | $12,600 |
Pay when you earn—defer the rest, stay covered.
Target Stripe Atlas users via Twitter; post in r/SaaS on cashflow pains; beta for first responders.
Cashflow tools
No insurance integration
Direct premium deferral
Data moat from revenue patterns for insurer partnerships.
Volatile economy; Stripe APIs enable seamless sync.
Insurer partnership delays
Start with simulated billing
Success: 80% want defer option
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