Understanding Servala's Investment Models
The ROI Calculator provides simultaneous comparison of both investment models, showing real-time results for each scenario. You can instantly see how both models perform without switching between them.
3-8% Annual Returns
Fixed interest lending with guaranteed monthly payments. Low risk, predictable returns.
15-40% Potential Returns
Performance-based revenue sharing with scaling bonuses and extended grace periods.
You lend capital to Servala at a fixed interest rate, receiving guaranteed monthly payments regardless of business performance.
Monthly payments use standard amortization:
Monthly Payment = P × [r(1+r)^n] / [(1+r)^n - 1]
Where P = Principal, r = Monthly rate, n = Total payments
Invest directly in Servala's operations and earn returns through revenue sharing that scales with performance and investment size.
| Investment Amount | Scaling Factor | Customer Acquisition | Churn Reduction |
|---|---|---|---|
| CHF 500,000 | 1.0x | Baseline | 0% |
| CHF 1,000,000 | 1.5x | +50% vs baseline | 20% |
| CHF 2,000,000 | 2.0x | +100% vs baseline | 40% |
Larger investments get longer periods of 100% revenue retention:
CSPs exceeding 110% of baseline performance receive up to 15% additional revenue share. This is automatically calculated based on your actual vs. expected instance growth.
This metric shows how your actual performance compares to baseline expectations:
This is calculated automatically based on your investment scaling and cannot be manually configured.
| Model | Risk Level | Expected ROI | Break-even | Total Return |
|---|---|---|---|---|
| Loan Model (5%) | Low | 8% over 3 years | 12-18 months | CHF 80,000 profit |
| Direct Investment | Moderate-High | 35% over 3 years | 15-24 months | CHF 540,000+ profit |
2% monthly churn
Steady growth: 50-150 new instances/month
Best for: Established markets, risk-averse CSPs
3% monthly churn
Balanced growth: 100-400 new instances/month
Best for: Competitive markets, balanced approach
5% monthly churn
Rapid growth: 200-800 new instances/month
Best for: High-growth strategies, active sales
Shows when your investment becomes profitable (crosses zero line) and how returns develop month by month. Both models are shown with solid lines for Direct Investment and dashed lines for Loan Model.
Your cumulative profit/loss over time. Above zero = profitable, below zero = still recovering initial investment. Both models displayed with different styling to distinguish between them.
ROI percentages across different growth scenarios, helping you understand best and worst-case outcomes. Shows both models side-by-side for each scenario.
Direct comparison of total net profit between loan and direct investment models across all scenarios. Makes it easy to see which model performs better in each growth scenario.
Your final financial position: total CSP revenue minus your initial investment. Positive values indicate profitable investment.
Bonuses apply when you exceed 110% of baseline instance growth, providing up to 15% additional revenue share. The system automatically tracks your performance multiplier (actual vs. baseline instances) and applies bonuses accordingly.
The Performance Multiplier is an automatically calculated metric showing how your actual results compare to baseline expectations. For example, 1.5x means you're performing 50% better than the baseline scenario. This cannot be manually configured - it's calculated based on your investment scaling factors.
No! The calculator now shows both models simultaneously, so you can compare them in real-time. You can see exactly how each model performs under different scenarios without switching between them.
Model changes require mutual agreement and may involve restructuring. Generally evaluated at renewal periods.
You keep 100% of revenue during this period. Grace periods are longer for larger investments (6-12 months).
Projections are based on industry benchmarks and Servala's historical data, but actual results may vary based on market conditions and your sales performance.