Fintech Excel Financial Model
A simple to use Fintech Financial Model Template for those who have just entered into the market. The Fintech Model template includes multiple revenue inputs and separate tables for expenses. A great tool for forecasting and financial planning. The excel template will enable you to check whether the company is profitable and under what circumstances the business might face losses.
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Fintech Excel Financial Model
Financial technology is providing many entrepreneurs the ability to acquire support from investors and demand in the market. If are you thinking about starting a fintech business? The biggest barrier that will be stopping you is not knowing where to start and how much financially feasible it would be. Moreover, It is important that the company must meet certain requirements and financial preconditions to achieve success in the e-payment business. Oak Business Consultant has a solution for you – We have developed a Fintech Excel Financial Model that contains all relevant input tables and charts that will allow you to make feasible business decisions based on accurate reporting and financials.
Introduction to Fintech Excel Financial Model
The Fintech Excel Financial model contains the three financial statements, including the cash flows and calculates the relevant metrics (Break-even Analysis, Diagnostic Tools, Project evaluation, and Charts). The financing options for the project include a standard long-term loan as well as an investment made by the investors. Moreover, the marketing sheet (includes automated inbound and outbound marketing costs sheet, which also contains how many customers will achieve as a result).
How It Works: Fintech Excel Financial Model
On the Input tab, you can feed the financial information for the model, such as sales price, cost, expenses, etc. Inputs are always depicted with a Peach fill and grey letters, calls up (direct links from other cells) are filled in grey with black letters, while calculations are depicted with white fill and black characters.
In the sensitivity analysis tab, you can see a high-level report with the main business scenarios. The tab shows the company’s profit in case of any uncertainty. For example, if the cost or expenses increase by 10%.
Another useful tab is the break-even analysis, where you can see the items needed to be sold every day and their currency value to break even.
Calculations: Here, all calculations are performed. The revenues are calculated based on the product or services sold, promotion, pricing, promotions, and marketing campaign, and deducting the business variable and fixed costs, the operating profit is resulting. The interest and depreciation will be calculated based on the assets financed and the gearing of the financing. With the help of working capital assumptions, we have measured the impact on business cycles. In the last, depending on the level of the investment, the relevant debt financing is calculated.
In the PnL Monthly tab: everything aggregates into the relevant statements: profit and loss, balance sheet, and cash flow every month.
Moving to the Project Valuation tab, a company valuation is performed by using the free cash flows with discount rates to the firm, and then a series of investment metrics are presented (IRR, NPV, ROE).
In the Dashboard tab: Various graphs present the revenues, cash analysis, break-even analysis, sensitivity, assets vs liabilities, startup summary, etc.
Key Inputs of Fintech Excel Agency Financial Model Template
- The growth rate, Price and Expense.
- Tuition Fee-Related Revenue Assumptions
- Bus Revenue Assumptions
- Cafetaria Revenue
- School Capacity & Land Assumptions
- Marketing Budget Sheet (which measures how many customers we get from marketing).
- Average Payable and Receivable days your business is following.
- Cost of Goods.
- Fixed Asset and Capital Expenditure.
- Tax Rate
- Investment table
- Loan table
Key Features of Fintech ExcelAgency Financial Model Template
This financial model template contains inputs that, when changed, impact the calculations and, therefore, the changes are applied to all relevant sheets. This financial model always has built-in flexibility to display different outcomes or final calculations based on this sheet’s changes.
A start-up summary tab includes the total cost incurred at the start of business and capital expenditure, how much cash has been injected by the company so far, and based on the number of months, the amount of investment required is calculated.
A Startup Summary helps you take a realistic view of your idea and double-check whether the business has enough funds to support operations.
Monthly & Yearly Income Statement
The Fintech SaaS Startup Financial Model provides the monthly and yearly income statement structure and a framework for creating a full corporate forecasting model tailored to your business.
A key feature of the Fintech Startup Financial Model is that it is “integrated,” which simply means that the Income Statement is modeled to accurately capture the connection and inter-linkages of the various line business items. An integrated financial model is powerful since it enables the Financial Model user to change any assumption in one part of the statement in order to see how it impacts all other parts of the statements accurately and consistently.
The Fintech Startup Excel Financial Model’s monthly Income Statement sheet is perfect for those requiring regular reporting and details. Additionally, the Income Statement contains all revenue streamlines with gross and net earnings linked with a revenue analysis sheet to ensure accurate reporting. Oak Business Consultants understands every School business’s goal. Therefore, we have developed a mechanism that helps business owners determine whether they are making profits or otherwise.
Furthermore, the Yearly Income Statement gives you complete insights into revenue and general & administrative expenses. The Yearly Income Statement also contains several graphs, assumptions, ratios, margins, net profit, earnings, cost of services, and profit after tax.
This balance sheet enables you to analyze your position of current assets, fixed assets, liabilities, and equity. This also allows you to monitor your accounts receivable, accounts payable, accrued expenses, etc. Therefore, this specific financial model gives you the perfect space to analyze your key financial balance accounts.
The Cash Flow Statement is the vital part of the three statements that report the cash spent and generated during a specific period. The Cash Flow Statements bridge the income statement and the balance sheet by showing how money flows.
Three main sections of the Cash flow Statement:
- Operating Activities: We have included all cash in and out related to the operations of the business
- Investing Activities: Cash from the disposal or acquisition of an will include in this section.
- Financing Activities: We have separately made a loan-related tab where you can enter all loan-related information thee. The tab is linked to the Financing Activities of Cash Flow Statement
The Cashflow Statement in our Model contains a dedicated sheet to monitor and analyze your company cash-ins and out. This cash flow statement is based on several key inputs, such as Payable and Receivable Days, yearly income, working capital, long-term debt, net cash, etc. This calculation then computes your net cash flow and beginning and end cash balances. This is a perfect template for your company’s cash flow management.
Since the table calculates Return on Investment, Investor’s Future Equity Share, and Cash Burn Rate Analysis, analyzing the company’s performance becomes easy to capture potential investors.
Sensitivity analysis can help you measure how different scenarios might play out financially. For example, if you increase the marketing budget or add another employee to the payroll, how many extra sales will you need to recover that additional expense?
Our CAC Analysis measures the cost of converting a potential lead into a customer. The Financial Model users will use this metric to determine their profitability. Since it compares the amount of money injected into attracting customers against the number of customers, they actually gained.
Users and readers respond and process visual graphs better than data. Furthermore, This dashboard provides you with a graphical management tool that enables you to track all your relevant financial KPIs, improve cash flow management, and track expenses, sales, and net revenue in detail to meet and outperform the financial objectives of your business.
Benefits of Fintech Excel Agency Financial Model Template
Encapsulate Company Performance- The Fintech Excel Financial Model analysis simplifies a company’s financial statements. It allows the user to express critical profitability and financial position information in just a few numbers. For example, the company’s net profit margin encapsulates the net effect of a company’s revenues and all expenses. It will enable the user to conclude a company’s profitability without going through lengthy account statements.
Bottom Line – A Fintech SaaS Excel financial model can be the key to your company’s better and informed future. Succeeding in planning your Company’s finances well will mean overall success in making wise investment decisions, purchasing the right operating assets, controlling costs, and determining company valuation.
Accommodates Investors – This model provides valuation and performance analysis charts. It enables the investors and banks to clearly determine the company’s actual worth considering lending funds to your company.
Based on Financial Principles – We researched the Fintech business model in-depth. So this financial model was created with logically correct financial and economic principles and assumptions.
Properly Integrated – The model assumptions and calculations are structurally integrated. So the change in the main sheet will automatically lead to the change in all related sheets easily.
Visualization Tool – This Financial model also prepares a clear communication of the quantitative outcomes. As obtained by calculations via various graphs and charts. Therefore, the user does not need to pay much attention to the financial model’s inner workings.
Walk-Through Video of Fintech Excel Financial Model
The following video will give you an overview of the different components of the financial model and will help you understand it’s working.
This Product Includes: 1 Excel File
We have also prepared Fintech SaaS Excel Financial Model.