SOUND FAMILIAR?
You're winning clients, delivering work, and growing the team. But under the surface, most agencies at your stage share the same financial gaps.
Some clients look great on paper but eat margin through scope creep, underbilled hours, and hidden delivery costs. Most agency founders have never seen a real client-level P&L. The retainer covers the invoice: but does it cover the cost?
You quoted a retainer for 40 hours of work. The team delivered 55. Nobody tracked the gap. That's 15 hours of free labour: every month, across every client. The industry average is 15–30% of project value lost to unbilled scope changes.
Staff is your biggest cost: 60–75% of revenue. But you don't know your utilization rate, your capacity ceiling, or what revenue a new hire needs to generate to break even. A wrong hire at €45K/year sitting at 60% utilization is an €18K annual loss.
Project invoices create 30–60 day gaps while payroll is monthly. One late-paying client can throw your entire month off. You don't have a forward view of cash: you're reacting to the bank balance, not anticipating it.
THE REALITY
WHAT WE BUILD FOR YOUR AGENCY
Not a generic dashboard. A financial model designed around the way marketing agencies actually work: retainers, projects, utilization, and client portfolios.
See exactly which clients are profitable and which are margin-negative. Revenue minus delivery cost, per client, every month. No more guessing.
Track what percentage of your team's available hours are billable. Know your capacity ceiling before you need it: and spot underperformers early.
The single most important metric for agency profitability. See it monthly, compare it to benchmarks, and know when you can afford to hire.
Scope creep becomes visible. Every project's quoted vs actual hours, aggregated monthly. Finally see where the margin leakage is happening.
See your cash position 3–6 months forward. Toggle scenarios: what if your biggest client leaves? What if payroll increases 15%? What if invoices are paid 15 days later?
Understand the balance between recurring and one-off revenue. Track client retention rate and pipeline health to reduce concentration risk.
What happens if you raise retainer prices 10%? What if you switch to value-based pricing? See the margin impact before you make the change.
Every month, your full financial intelligence report is delivered. AI-generated, human-reviewed, with a plain-language executive summary and the 3 actions that matter most.
WHAT THIS LOOKS LIKE IN PRACTICE
Illustrative scenario based on typical agency financial patterns. Results vary by business.
HOW IT WORKS
We learn about your agency: team size, revenue model, service mix, current financial setup. We'll tell you in the first 5 minutes whether Lume is a fit.
You provide your financial data: P&L, client list, team costs, pricing structure. We build your agency-specific financial model and KPI dashboard.
Deep dive into your numbers. We identify margin leaks, pricing gaps, utilization issues, and cash risks. Your report arrives with the three moves that matter most.
Your financial report is delivered automatically. AI-generated, human-reviewed. Client profitability, team utilization, cash runway, and the 3 actions that matter most this month. Your time commitment: 10 minutes.
INVESTMENT
Start with a one-off Clarity Session (€1.500). Get a complete read of your agency in two weeks. If you continue to Intelligence within 90 days, the full amount is credited against your first month.
For agencies doing €50K+/month who want monthly strategy calls, scenario modelling, and decision packs: the Strategic Partner tier is €4,500/month, including everything in Intelligence.
WHO'S BEHIND THIS
Lume Financials is founded by a financial professional with 8+ years across Deutsche Bank, Booking.com, and high-growth scale-ups. We bring institutional-grade financial rigour to businesses that need it: at a price point that makes sense.
READY?
Book a 30-minute discovery call. We'll tell you in the first 5 minutes whether Lume fits your agency.
Book a Discovery Call