Clearing the air on climate risk.
Turning complex weather data into automated financial shelter — for the car washes, detailers, and snow crews whose revenue lives and dies by the forecast.
P&C insurance pays for broken roofs. It pays $0 for the Saturday it rained.
FORECAST THREAT IDENTIFIED
Rain forecast for 3 upcoming weekends
EST. MARGIN LOSS
$8,400
REC. COVERAGE
$5,500
- AUG 1–271% chance of rain
- AUG 8–978% chance of rain
- AUG 15–1663% chance of rain
$21B
US car wash TAM
$20B
US snow services market
35%
Weather revenue swing
48h
Programmatic payout
The Main Street financial gap
Weather volatility swings top-line revenue by 30%, yet local operators possess zero institutional tools to protect margin. Fixed costs stay 100% active while the sky decides the week.
Summer / year-round
Rainy weekends erase drive-up revenue
A wet Saturday eliminates 80%+ of drive-up volume while rent, debt service, and core payroll stay 100% active.
Winter services
Mild winters destroy contract margin
Snowless months mean $0 in per-push fees. Operators spend tens of thousands securing fleet and equipment that sits idle.
The coverage void
P&C insurance pays for damage, not weather
Property insurance covers a broken roof. It offers $0 for lost revenue caused by rain or a warm winter — the loss that actually happens.
Bridging prediction liquidity to Main Street
Kalshi and Polymarket proved the appetite — $4M–$8M monthly across weather markets. But those contracts are built for quants, settle at airports, and require active trading accounts. F.O.G. is the abstraction layer.
PREDICTION MARKETS TODAY
- Speculative focus — built for quants and retail traders, not car washes.
- Manual execution — requires position sizing and an active trading account.
- Granularity gap — city-level contracts ignore site-specific revenue loss.
- Basis risk — settles at the regional airport, 15 miles from your bays.
THE F.O.G. SOLUTION LAYER
- Automated abstraction — converts derivative liquidity into 1-click SMB protection.
- Liquidity router — back-end routes capital directly into Kalshi & Polymarket pools.
- Actuarial precision — links accounting ledgers to hyper-local weather sensors.
- Zero-claims settlement — verified IoT reads pay out within 48 hours.
How the FOG Light works
01
Ingest & map
Connect QuickBooks or Xero. We map daily cash flow against hyper-local weather history.
02
Quantify sensitivity
The AI risk engine calculates exact impact — the dollar cost of each weather condition at your site.
03
Recommend & deploy
When forecasts cross your loss threshold, we generate a priced parametric proposal. One click deploys it.
04
Programmatic payout
Settles automatically against verified IoT weather sensors. No adjusters, no claim forms, no negotiation.
Dual-season ARR, three revenue streams
Pairing summer targets (car washes) with winter targets (snow removal) keeps recurring revenue and underwriting capital balanced across the full calendar year.
01 / ARR stream
SaaS subscription
$149 – $499 /mo
Automated QuickBooks weather analytics, margin sensitivity mapping, and cash flow forecasting.
02 / Margin stream
Parametric spread
15% – 25% margin
Acts as an MGA or distribution engine taking origination and underwriting margin on institutional reinsurance micro-policies.
03 / Scale stream
Franchise networks
Enterprise licensing
B2B licensing for multi-unit car wash networks hedging regional network revenue against climatic anomalies.
THE F.O.G. DATA MOAT
As more SMBs link accounting ledgers to F.O.G., our proprietary dataset maps actual financial losses against hyper-local weather events with unmatched precision — enabling smarter underwriting, regional benchmarking, and deep integration retention.
Ready to turn on the FOG Light?
Launching into a $40B+ combined market. We're raising to build the climate risk layer for Main Street.