Financial model
Three linked statements, monthly, that actually tie.
A profit and loss, a cash flow and a balance sheet that move together — built from drivers you control, across sixty months, with the balance sheet asserted to balance in every single period.
No figure in any statement is written by a language model. The engine computes them all.
Driver builds, not growth rates
Revenue is built from the things you can actually argue about: traffic and conversion and ticket; seats and price and churn; billable hours and utilisation and rate. A reader can interrogate a driver. Nobody can interrogate a percentage.
- Subscription, unit sales, hourly services, footfall, marketplace, contract and advertising models
- Seasonality, ramp timing, and expansion built in
- Loan amortisation with interest-only periods and balloons
The ratios a credit analyst computes
Founders submit plans; banks compute ratios. The underwriter panel renders debt service coverage, the amortisation schedule, current ratio, debt to equity and owner compensation by year — measured against the threshold in force for the programme you are applying under, with the guidance version printed so a loan officer can verify rather than doubt.
- Coverage measured against the SOP version in force, not a hardcoded number
- Sources and uses, equity injection, and the working-capital cycle
- Owner compensation as a named line, because a plan showing zero fails on first review
Scenarios with a cost response
A downside that cuts revenue while holding the hiring plan constant is arithmetic, not a scenario. Ours move demand, pricing, churn, ramp timing and spend together, and hold genuinely committed costs like rent fixed. Sensitivity analysis then ranks which assumption actually moves the outcome — usually not the one you spent longest on.
What this does not do
Any page that lists only strengths is marketing. These are the limits we would want to know about.
- Projections are projections. The model is only as good as the drivers you give it, and it says so in the document.
- We are not your accountant. Tax treatment is modelled simply and should be reviewed by someone who knows your jurisdiction.
Start with the numbers.
Free to generate and read. Pay once, when you are ready to send it.