SOUND FAMILIAR?
You're closing deals, growing the team, and building your name in the market. But commission-based revenue creates financial blind spots that most agency owners don't see until it's too late.
Commission income looks great on the surface. But when you factor in marketing costs, agent splits, admin overhead, portal fees, and time spent on deals that didn't close: your actual cost per completed transaction is probably 30–40% higher than you think.
Real estate revenue is inherently lumpy. A great quarter masks a weak one. But your rent, staff costs, and marketing spend don't pause. Without a forward view of cash, you're always one slow month away from stress.
A new agent costs you desk space, marketing budget, CRM access, and training time before they close their first deal. But you have no data on revenue per agent, break-even timeline, or what pipeline volume they need to carry their weight.
You get a VAT return and a year-end report. Nobody shows you your cash position 3 months forward, which agents are actually generating profit, or what your real overhead rate is. You're driving with the rearview mirror.
THE REALITY
WHAT WE BUILD FOR YOUR AGENCY
Not a generic dashboard. A financial model designed around the way real estate agencies actually work: commissions, agent portfolios, seasonal patterns, and deal pipelines.
Every completed transaction, fully loaded: marketing costs, agent split, admin time, portal fees, CRM costs. Finally see what each deal actually costs you.
See which agents are generating profit and which are operating below break-even. Track pipeline volume, conversion rate, and average deal value per agent.
Real estate has natural seasonal patterns. Your cash forecast accounts for this: see 3–6 months forward with stress tests for dry periods and delayed closings.
Track what you spend on Funda, social media, print, open houses, and brand: and measure which channels actually drive closed deals, not just leads.
Model different agent split structures and their impact on your margins. See exactly what commission changes do to profitability at different deal volumes.
Know your real monthly overhead. Know exactly how many deals you need to close per month to cover costs. Remove the guesswork from capacity planning.
See the expected revenue from your active pipeline: weighted by probability: so you know whether next month's cash position looks healthy before it arrives.
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 real estate agency financial patterns. Results vary by business.
HOW IT WORKS
We learn about your agency: team size, deal volume, commission structure, current financial setup. We'll tell you in the first 5 minutes whether Lume is a fit.
You provide your financial data: P&L, agent costs, marketing spend, deal history. We build your real estate agency-specific financial model and KPI dashboard.
Deep dive into your numbers. We identify cost-per-deal gaps, agent profitability issues, marketing inefficiencies, and cash risks. Your report arrives with the three moves that matter most.
Your financial report is delivered automatically. AI-generated, human-reviewed. Agent profitability, cost per deal, 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 €40K+/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