Raf Howery

Founder and CEO of Kukun (branded in the transcript as Cocoon/MyCocoon), a property data and homeowner engagement platform that sells white-labeled tools to banks, fintechs, and insurers; bootstrapped founder who raised private convertible notes and scaled enterprise usage-based revenue.

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Jan 21, 2026 • 26min

Bootstrapping to $5M ARR: How Kukun Scales SaaS for Banks and Fintechs

Raf Howery, the founder and CEO of Kukun, shares his journey scaling a property data platform for banks and fintechs while staying bootstrapped. He reveals how Kukun grew to nearly $5M ARR with just two sales reps and a unique dual monetization strategy. Raf discusses leveraging product-led growth to drive enterprise adoption and the importance of bundling products to increase average contract value. He also touches on navigating funding with minimal dilution and how a consumer-facing experience effectively attracts enterprise clients.

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