Les LTV de Vinaròs...

From "winning product" to "winning brand" From "ROAS first" to "LTV first" From "more new customers" to "fix the holes in the bucket" From "what can I sell next" to "what can I sell again" From "revenue is the goal" to "profit is the goal" From "I have to do everything" to "I have to oversee everything" I've seen brand owners go through them all on their way from $20k/month to $1M/month The first 3 get you to $300k/month. The next 3 get you to $1M /month.

PM Modi and President Macron are launching Bharat Innovates today to showcase 120 Indian deep-tech startups to global investors in France. I guarantee the startups securing that venture funding aren't pitching "gut feelings." They are pitching Contribution Margin, rigorous cohort data, and $LTV/CAC$ ratios. Scale requires statistical significance, not just a cool idea.

any opinion on Colonial SFL? Prime offices in Paris, Madrid and Barcelona at large discount to NAV (~40 %), but high LTV (~40 %). High occupancy and IG credit rating.

Ideoloģisku izrēķināšanos ar konservatīvajiem šobrīd veic Aņita Smoļenska un pārējā kreiso šaika LTV un LR. Domāju, ka jūs to labi redzat.

That’s the average LTV of all dwellings with a mortgage. Not at the point of purchase. LTV of FTB in England was 78% in 2026Q1 ukfinance.org.uk/system/file…

yep ask LTV and acquisition channel by cohort, also include cohort size and CAC payback 👌

傳軟銀擬以 OpenAI 股份質押 尋求 100 億美元利潤率貸款大舉押注 AI SoftBank 正尋求一筆以其持有的 OpenAI 股份為抵押、規模達 100 億美元的 Margin Loan。 根據 Bloomberg 報導，這筆利潤率貸款的期限為兩年，並附帶一年的展期選擇權。知情人士透露，目前相關談判仍在進行中。 軟銀上個月才剛鎖定一筆 400 億美元的過渡貸款（Bridge Loan），該筆交易當時引發了市場對於 OpenAI 可能於今年進行 IPO 的猜測。 目前，軟銀已透過其 Vision Fund 2 對 OpenAI 承諾投入 300 億美元，這使得 OpenAI 成為軟銀投資史上金額最大的單一賭注之一。 利用股權質押獲取利潤率貸款，是尋求流動性的大型機構投資人常用的策略。 藉由質押 OpenAI 的股份，軟銀可以在不變賣股權的情況下籌集現金。這種做法反映出對 OpenAI 估值增長軌跡的強烈信心，然而，若 OpenAI 的估值出現大幅下滑，軟銀仍將面臨 Margin Calls 的風險。 軟銀目前也正全力衝刺，試圖在年底前兌現對 OpenAI 的 22.5 億美元出資承諾。 這種時間壓力很可能是推動其尋求額外借貸的動機。 軟銀的願景基金在歷史上曾多次在鉅額獲利與嚴重虧損之間大幅擺動，其激進的 AI 佈局將決定該基金的長期績效表現。 針對此項報導的交易，OpenAI 與軟銀均拒絕置評。 軟銀原本想用他們在 OpenAI 價值 600 億美元的股份作為抵押品（Collateral），向銀行申請維持保證金貸款（昂(Margin Loan，俗稱質押借款)。 •第一次嘗試：軟銀想用 600 億的股票抵押，借 100 億美元。這意味著貸款成數（LTV）大約只有 16.6%（通常非常安全）。 ◦銀行的反應：銀行「哈哈大笑」，覺得這簡直是開玩笑，直接拒絕。 •第二次嘗試：軟銀摸摸鼻子，把借款金額降到 60 億美元（貸款成數降到 10%）。 ◦銀行的反應：銀行依然拒絕。 為什麼銀行不借的可能原因？ 因為銀行非常精明，他們不相信 OpenAI 在私有市場上那些「左手交右手、相互抬轎」炒出來的 600 億美元估值。 銀行害怕一旦 OpenAI 泡沫破裂，這些股份會變成壁紙，到時候根本賣不掉、無法變現來還債

That's not true Nitin. In modern finance, listed stock liquidity is immediately translatable to spending power. High LTV (Loan-to-Value) credit lines mean tech founders don't need to liquidate and trigger tax events to access billions. Credit creation literally is liquidity

$117,000 a year. That's what most founder-led businesses spend on client acquisition. They just don't know it. Here's how it works: Your clients are worth $50K–$120K/year. Retention is 90% . They stay for decades. That puts your client LTV somewhere between $500K and $3M. Your acquisition ceiling — the most you could spend to win one client and still profit Year 1 — is $50K to $96K. But you're spending $0 on paid acquisition. Instead you're spending 15 hours a week on personal sales calls. Working your network. Relationship selling. At $150/hr (conservative for a founder), that's $117K/year in invisible cost. You're paying MORE than the acquisition ceiling — in your own time and calling it "free." Three things this reveals: You can afford to invest significantly in acquisition and still profit immediately. Your time is the most expensive marketing channel you have — and it doesn't scale. You're one system away from growing without being the bottleneck. The fix isn't hiring a salesperson. It's building a system that generates qualified conversations at a fraction of the cost of your time — and runs without you. If you run a founder-led business with high-value clients and want me to run this math on your numbers — DM 'diagnostic'.

Value add Real Estate is more profitable because you not only have cash flow yield, but you have forced appreciation by way of operations. That said, it's also a much higher risk profile than a hard money loan secured with a conservative LTV by that same real estate

Big plans deserve strong financial support. For decades, millions have trusted #MuthootFinance to help them unlock the true value of their gold when it matters most. Because financial support should be simple, secure, and dependable. #TheMuthootGroup #GoldLoan #LTV #LoanToValue

Gotta love how commies act like the LTV is a fact, despite never proving it, despite all the obvious flaws disproving it.

LTVの計算マジで見たことなかった 名前だけ知ってんだけどさ

定期から単品に切り替えた時の「カゴ落ち」と「LTVの低下」をどうカバーしているのか、裏側のCRM施策がめちゃくちゃ気になりますね。 これ、現場ではかなり勇気のいる決断だと思います。

noteで記事を書きました！この投稿をリポストするとお得に記事を読むことができます。 【深掘り編】Claude副業を「一生もの」にする。LTV・解約率・差別化で稼ぎを資産に変える設計図 | mononofu26~AIと副業とクリエイター @mononofu26 #note note.com/tsbase/n/n6471075ff…

I’m 17 and I’m betting everything on myself. Last March me and my friend started a detailing business. Just a couple buckets, some product, and a willingness to outwork everyone. By the end of summer we’d scaled it to $10k/month. We were posting every day, booking cars back to back in the heat. The money was real and most people my age would’ve been thrilled to keep that running. But detailing has a ceiling. There’s only so many cars you can do in a day, only so many hours you can trade for money. I didn’t want to trade hours for dollars for the rest of my life. I wanted to build something that could scale while I sleep. Something that was actually mine. So I walked away from it and went all in on apps. And it wasn’t a hard decision at all. The second I saw what was possible with software I knew detailing was too small for what I’m trying to build. Walking away was easy because I already knew I needed something bigger. I started 3 months ago with my co founder and we have not slowed down since. I’m working 10 to 12 hour days, sometimes more. I wake up thinking about apps and I fall asleep thinking about apps. Most people think building the app is the hard part. It’s not. Anyone can build now. The entire game is distribution. So that’s what I obsess over. Getting the app in front of the right people, understanding the math behind CAC and LTV, building onboarding that converts. There’s no magic sauce to it, it’s a system, and I’m learning every piece of it. We’ve shipped 2 apps and gotten a decent amount of downloads and subscriptions. Nothing crazy yet, but enough to prove people want what we’re building. I don’t have it all figured out, and I’m not acting like I do. I’ll fail, probably a lot. But every time I do, I’ll learn from it, adjust, and keep moving forwards. Most people give up because they need results now. I don’t. I’ll keep going for as long as it takes, and I’ll make it happen no matter what. So here’s me putting it out there. I’m going to build something huge in this space. Not might, not trying to. I will. And I’m posting this so a year from now, two years from now, you can look back and see that I did everything I said I was going to do. This is just the beginning.

LTVはガチでみんな無理だと思う

Here’s a full breakdown on how to use LTV to scale Ecom brands to $10M/month: (save this)

「若者のディズニー離れ」は想像以上にマズイと思う。 例えばマクドナルドは子ども向けメニューで味を覚えさせ、彼らが大人になっても来店するので世代を超えて売れている。つまりLTV（顧客生涯価値）を取得できている。 ディズニーにはそれがない。つまり今の若者が大人になっても、家族を連れてディズニーに行くことがない。 負の連鎖が始まっている。