Cost to serve and profitability

Know what every customer really costs to serve.

Allocate ledger cost to every customer, product and channel. Every figure reconciles to the cent and traces back to the ledger.

Allocation trace · sample modelPeriod 2026-08 · USD
Ledger
GL 6200 Sales salaries1,350,000.00
Stage 10 · Entity pools
US800,000.00
Canada240,000.00
UK310,000.00
Stage 20 · Sales reps by salary
R-101466,023.87
R-103311,753.91
R-102, R-201, R-202572,222.22
Stage 30 · Invoice lines by effort
INV-9001, 1 line61,318.93
INV-9004, per line of 1216,351.71
Out 1,350,000.00 · Difference 0.00Reconciled
0.00

Difference, every run

Cost in equals cost out at every stage, or nothing is published.

1 click

From result to ledger

Trace any number back to the balance that funded it.

0 black boxes

Rules finance can read

Every pool, driver and step explained in plain language.

How it works

From ledger balance to line-level profit.

Load

Ledger balances and the volumes that drive cost, checked on arrival.

Pool

Balances gathered by entity, function or activity.

Allocate

Stage by stage, by driver, rate or weight, down to the line.

Report

Profitability by any dimension, with a trace to the ledger.

Dashboards and reports

See margin at a glance, then drill to the ledger.

Charts above every report, saved dashboards for any dimension, and export to Excel.

Relationship review · 2026-08Export to Excel
Revenue2,756,000
Cost to serve2,000,000
Contribution756,000
Relationships20
From revenue to contribution
TotalIncreaseDecrease
2.35MNet interest0.40MFees2.76MRevenue-0.90MCoverage-0.50MCash mgmt-0.42MPayments-0.18MServicing0.76MContribution
Sample commercial banking model. Click any bar in the product to see the results behind it.

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