Your investment
Set your check and assumptions. Everything below recalculates instantly.
Series A: raise
at post-money
+ 5% pool top-up → existing holders diluted by 25.0%
Model collateral participation (illustrative — allocation TBD) — posting captive collateral owns the corresponding share of the cell
Ownership at exit
—
Equity value at exit
—
Equity MOIC
—
MGA + IP only · gross, pre-tax, pre-QSBS benefit
Equity IRR
—
Your equity proceeds, all three scenarios
SAFE equity = your share of the MGA + IP company exit value. The active scenario is highlighted.
Where the program's value comes from
Operating MGA — SAFE equity
IP company (HGC) — SAFE equity
Captive cell — collateral participants
How captive collateral works
Whoever posts the captive's external collateral owns the corresponding share of the cell — X% of collateral posted is X% of the cell's underwriting results and exit value. Collateral (~$795K total in the Moderate case) is posted via letter of credit across Years 1–3 and released by Year 4 as cell surplus self-collateralizes. Funding and allocation are TBD, determined at the company's discretion at cell formation. The toggle above models a hypothetical allocation so you can see what participation would be worth.
Use of proceeds & runway
Your $2.3M at work — per the RGC Launch Capital Plan (120-Day Combined, June 2026). The SAFE funds operations; it does not fund captive collateral.
| Today through Day 120 | Amount |
|---|---|
| Leadership & underwriting | $186,000 |
| Technology & IP build | $100,000 |
| Legal, formation & licensing | $70,000 |
| Finance & risk infrastructure | $86,000 |
| Distribution & market entry | $60,000 |
| Operations, one month at run-rate | $84,600 |
| Contingency (15%) | $87,990 |
| Total, today through Day 120 | $674,590 |
| Beyond Day 120 | Amount |
|---|---|
| Fully loaded monthly run-rate (declines net of commission income) | $84,600 |
| Non-recurring, Day 120 to year-end (tooling, trade shows, patents, mid-year hire, first audit) | $240–415K |
| Remaining operating runway — through Year-2 breakeven | ~$1.21–1.39M |
Program writes on a surplus-lines (E&S) basis in years 1–2. MGA operating breakeven in Year 2 at $9M GWP. Raise sized past breakeven to eliminate bridge-round exposure.
The numbers behind the charts
Full detail at your current settings — every figure traceable to RGC Master Model v12.0.