Free tool · Unit economics

Broker vs in-house BDR — CAC simulator

Compare broker channel vs in-house outbound over 36 months. See cumulative cost, crossover month, and where Borrowsignal's data subscription fits.

Inputs

Funded loans / month

/mo

Average facility size

Broker channel

Broker fee % of loan size

UK market norm: 1.5%–3.0%

In-house outbound

BDR loaded salary (1 head)

£ /yr

UK BDR median 2026: £35k base + 30k OTE × 0.7 load = ~£55k

Number of BDRs

heads

Data subscription

£ /mo

Borrowsignal Pro = £449. Cognism ~£1,250/mo.

In-house ramp time

months

Months before in-house team hits full loan-conversion rate

Broker / yr

£—

In-house / yr

£—

Annual saving

£—

Cumulative cost — 36 months

Broker In-house BDR + Borrowsignal Crossover month

—

Notes. Brokers handle top-of-funnel + qualification, which the in-house path replaces with BDR labour and data subscription. Ramp time models the realistic 2-4 month period before a new BDR matches broker-equivalent loan volume. Borrower lifetime value is held constant in this model — in practice broker-sourced borrowers often show ~10% lower renewal rate, which compounds the in-house advantage. Read more in our CAC benchmarks post.