P4gent

P4gent is your purchasing assistant—an AI agent that tracks your suppliers, monitors your spend, finds alternatives, and drafts communications with the context of each relationship.

The Short Version

Small businesses and individuals spend hours managing suppliers: comparing prices, chasing invoices, finding alternatives when costs rise, and maintaining relationships. P4gent handles the operational overhead of procurement so you can focus on decisions, not administration.

The Problem

Procurement is death by a thousand cuts.

Unless you’re big enough for a procurement team, supplier management falls through the cracks:

Subscriptions auto-renew at higher rates because nobody checked
You’re paying more than you need to because comparing alternatives takes time you don’t have
Supplier relationships go cold because follow-up emails don’t write themselves
Cost visibility is a spreadsheet you update once a quarter (if that)
When you need to cut costs, you don’t know where to start

The irony: the information exists—in emails, invoices, bank statements—but synthesising it requires time you’re supposedly saving money to buy.

Our Approach

Your purchasing department, population: one AI.

P4gent connects to your email, accounting software, and bank feeds to build a live picture of your supplier relationships. It doesn’t just track spend—it understands context: who you’ve been with for years, who’s been raising prices, who you’ve been meaning to review.

Relationship-Aware

P4gent knows that your conversation with a supplier you’ve used for 5 years is different from a cold outreach to a new vendor. When it drafts emails, it uses the context you’ve provided plus what it’s learned from your history.

Proactive, Not Reactive

P4gent doesn’t wait for you to ask. It notices when:

A renewal is coming up and prices have changed
A supplier you use has a competitor offering better terms
Your spend in a category has drifted from budget
An invoice doesn’t match the agreed rate

Human in the Loop

P4gent drafts, you decide. Every email goes through you before sending. Every significant decision surfaces for approval. It’s an assistant, not an autonomous buyer.

How It Works

┌─────────────────────────────────────────────────────────────────────────┐
│                              INTEGRATIONS                               │
│  ┌──────────┐    ┌──────────┐    ┌──────────┐    ┌──────────────────┐  │
│  │  Email   │    │ Accounts │    │  Bank    │    │   User Context   │  │
│  │  (IMAP)  │    │ (Xero)   │    │  Feeds   │    │   (Notes/Prefs)  │  │
│  └────┬─────┘    └────┬─────┘    └────┬─────┘    └────────┬─────────┘  │
└───────┼───────────────┼───────────────┼───────────────────┼────────────┘
        │               │               │                   │
        ▼               ▼               ▼                   ▼
┌─────────────────────────────────────────────────────────────────────────┐
│                          P4GENT (SmartBox)                              │
│                                                                         │
│   ┌─────────────┐  ┌─────────────┐  ┌─────────────┐  ┌─────────────┐   │
│   │  Supplier   │  │    Spend    │  │ Alternative │  │   Comms     │   │
│   │   Graph     │  │   Tracker   │  │   Finder    │  │   Drafter   │   │
│   └─────────────┘  └─────────────┘  └─────────────┘  └─────────────┘   │
│                                                                         │
│                    Nomos System of Record (Audit Trail)                 │
└────────────────────────────────┬────────────────────────────────────────┘
                                 │
                                 ▼
┌─────────────────────────────────────────────────────────────────────────┐
│                               YOU                                       │
│         Dashboard  •  WhatsApp/Email Alerts  •  Approval Requests       │
└─────────────────────────────────────────────────────────────────────────┘

P4gent runs on SmartBoxes with full audit trails via Nomos Cloud. Every action is logged, every recommendation is traceable.

Product Features

Spend Dashboard

See your supplier spend across all categories. Track trends over time. Know exactly where your money goes without manually updating spreadsheets.

Supplier Intelligence

For each supplier, P4gent maintains:

Relationship history: How long, how much, key contacts
Pricing trends: Are they raising rates? By how much?
Contract terms: Renewal dates, notice periods, commitments
Notes: Your context about the relationship

Alternative Finder

When costs rise or contracts renew, P4gent researches alternatives:

Finds comparable suppliers in your market
Compares pricing where available
Flags switching costs and risks
Drafts outreach emails if you want to explore

Communication Drafts

P4gent drafts supplier emails with context:

Renewal negotiations: “Based on our 3-year history and current market rates…”
Invoice queries: “The attached invoice shows £X but our agreed rate is £Y…”
Relationship maintenance: “It’s been a while since we reviewed our arrangement…”

Every draft goes to you for review. You edit, approve, and send.

Alerts & Reminders

Renewal coming up in 30 days
Invoice received that’s higher than expected
Spend in category X is 20% over last quarter
Alternative found that could save £Y/month

Who It’s For

Freelancers & Solopreneurs

You’re running everything yourself. P4gent handles the supplier admin so you can focus on the work that pays.

Small Businesses

Big enough to have real supplier complexity, too small for a procurement person. P4gent fills the gap.

Anyone Managing Household Spend

Subscriptions, utilities, insurance, services—P4gent tracks them all and makes sure you’re not overpaying.

Business Model

Pricing

Personal (£9/mo): Up to 20 suppliers, basic integrations
Pro (£29/mo): Unlimited suppliers, full integrations, alternative finder
Business (£79/mo): Multi-user, team inbox, advanced analytics

Pricing Rationale

Competitor benchmark:

Product	Price	Scope
Ramp	Free (card interchange)	Corporate card + expense management
Brex	Free-£12/user/mo	Corporate financial platform
Pleo	£35-89/user/mo	Spend management
Payhawk	£50+/user/mo	Corporate cards + AP

Our positioning:

P4gent is radically cheaper because we don’t provide financial infrastructure—just intelligence on top of what you already have. No corporate cards, no banking, no interchange revenue to subsidize.

Value anchor:

Personal tier: £9/mo = cost of one forgotten subscription month
Pro tier: £29/mo = one coffee per week
Business tier: £79/mo = less than one hour of admin time
Breakeven: Catch one auto-renewal or find one better deal

Price confidence:

Personal tier is impulse-purchase territory (£9)
Pro tier captures serious solopreneurs who want automation
Business tier addresses small teams without procurement staff
All tiers have obvious, immediate ROI potential

The Economics

If P4gent saves you one hour per month on supplier admin, it’s paid for itself. If it catches one auto-renewal or finds one better deal, it’s paid for the year.

Unit Economics

Revenue Formula

MRR = Subscribers × Blended ARPU

Tier breakdown (expected):
  Personal (£9):   60% of users
  Pro (£29):       30% of users
  Business (£79):  10% of users
  ─────────────────────────────
  Blended ARPU:    £22/mo

Cost Structure

Type	Amount	Notes
Base ops	£500/mo	Support tools, marketing baseline
Per-user	£2/mo	Xero API, email service, SmartBox compute

Key insight: Runs on SmartBox/Nomos infrastructure. Variable costs are API calls, not compute.

Key Metrics

┌─────────────────────────────────────────────────────────┐
│  ARPU: £22       │  Margin: 90%      │  LTV: £250      │
│  CAC: £20        │  Payback: <1mo    │  LTV:CAC: 12:1  │
│  Churn: 8%/mo    │  (Consumer product, higher churn)   │
└─────────────────────────────────────────────────────────┘

Acquisition Strategy

Primary channel: Consumer ads + word-of-mouth virality

The £20 CAC reflects a low-friction, consumer-native acquisition model:

Channel	% of Acquisition	Why It Works
Social ads (Meta/TikTok)	40%	Visual demos of “AI that saved me £500/month” convert
Word-of-mouth	30%	Freelancers share money-saving tools with peers
SME influencers	20%	Bookkeepers, accountants, business coaches recommend
SEO/content	10%	“How to audit your subscriptions” brings problem-aware traffic

Why this CAC is achievable:

Obvious ROI hook: “Cancel one forgotten subscription and it pays for itself”
Screenshot-worthy moments: Savings alerts are shareable content
Referral mechanics: Built-in “share to save” incentives
No-code simplicity: Anyone can connect email and Xero in 5 minutes

Consumer acquisition playbook:

Hook: “Your AI accountant that actually saves you money”
Proof: Real savings numbers from real users
Friction: Free tier lets users see savings before paying
Viral loop: Share your savings dashboard, get credits

Why 8% churn is acceptable:

Consumer products naturally churn higher. The economics work because:

CAC is low (£20)
Payback is instant (under 1 month)
Some users return when they get new suppliers to manage
High-value users upgrade to Pro/Business tiers

Proof points needed: 10 user testimonials with specific £ saved.

Year 1 Projection

Month	Subscribers	MRR	Expenses	Net	Cumulative
M1	20	£440	£540	-£100	-£100
M3	55	£1,210	£610	£600	£700
M6	98	£2,160	£700	£1,460	£4,800
M12	158	£3,480	£820	£2,660	£18,500

Assumes: 20 signups/mo, 8% churn, 60/30/10 tier mix.

Sensitivity

Scenario	M12 Subs	M12 MRR	Y1 Net
Base (20/mo, 8% churn)	158	£3,480	£18.5k
Higher Pro mix (40%)	158	£4,100	£24k
Lower churn (5%)	185	£4,070	£26k
Viral growth (40/mo)	316	£6,950	£44k

Roadmap

M0: Core Loop

Email integration, basic spend tracking, supplier cards, manual data entry for context. The minimum to be useful.

M1: Integrations

Xero/QuickBooks connection, bank feed imports, automatic invoice parsing. Less manual entry, more automatic insights.

M2: Intelligence

Alternative finder, pricing trend analysis, renewal alerts. Proactive recommendations, not just tracking.

M3: Communication

Draft emails with relationship context, send through connected accounts, track response status. Full procurement workflow.

Year 2: Growth Phase

Product expansion:

Bank feed auto-categorization (ML-powered spend classification)
Contract storage and renewal calendar
Negotiation playbooks (AI-suggested tactics based on relationship)
Shared household/family accounts

Target metrics:

500+ paying subscribers
£15K MRR
4.5+ App Store rating
30% Pro tier conversion

Year 3: Scale Phase

Platform maturity:

Small business team features (shared supplier management)
Accountant/bookkeeper portal (manage multiple clients)
API for fintech integrations
White-label for banks and accounting software

Revenue targets:

£50K MRR
2,000+ subscribers
Partnership with 1+ accounting software (Xero, QuickBooks)
International expansion (EU markets)

The Name

P4gent: PA Agent. Personal Assistant Agent.

What your granddad could afford, your dad couldn’t, you can.

Enabled By

Uses Tooling

Target Customers

Competes With

Ramp
Brex

Underpinning Assumptions

Market Timing Is Right — ⚪ 60%
Non-Developers Want AI Tools — ⚪ 55%
Non-Developers Can Verify Agent Output — ⚪ 35%
Breadth Beats Depth For Market Learning — ⚪ 45%

Cloudflare-First Architecture — ✅ Technical
SmartBoxes First — ✅ Sequencing