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Fintech SaaS – Excel Financial Model $250

Our Fintech SaaS Financial Model provides the user with valuable information that he should use to make business decisions. All data is presented in a numerical-text format and illustrated with colorful tables, graphs, and charts. The model includes an Executive Summary and Input Assumption sheet where one can easily play around with all the major inputs and see the effects on the financial forecast, cashflow, project and investor returns. This Excel Financial Model is ideal for Startup companies wishing to determine the financial feasibility of their business and obtain an in-depth understanding of their expected financial performance over the next 5 years. The model is also useful to present a financial plan to investors and discuss their financing contribution to the business.

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Fintech SaaS – Excel Financial Model

This Fintech SaaS – Excel Financial Model made by Oak Business Consultant is designed for Startups or SME’s seeking financial projections for their businesses.

Fintech SaaS companies Or financial technology is an up and running industry of SaaS. Therefore, all the financial services provided by the SaaS companies fall under the Fintech industry. The primary purpose of Fintech is to ease the delivery of financial services for its customers.

Fintech SaaS is looking for ways to improve the process further so that business owners and customers can properly handle finance operations. Finance is a very sensitive department for any business. So, if you have reliable SaaS Fintech, you can relax, knowing your financial data is being managed as effectively as possible.

Fintech Startups are becoming more common these days with a shift towards SaaS businesses. Companies are investing more in providing financial services to customers. Through applications on smartphones, financial services are getting more and more accessible to people, which is why we have seen a sudden increase in Fintech startups. These SaaS companies are competing for head to head with already established financial companies or providing better use of financial services.

Why you need a financial model?

When we talk about startups, the first thing that comes to our minds is the investment. Not all of us have the money ready to invest in a company – which is why entrepreneurs rely on investments from interest parties. However, getting people to invest in your company might not be so easy.

The reality is, no one would even take you seriously if you don’t provide them with appropriate data to make an educated decision for investment. It is where financial models come in handy. You can convince interested investors by showing them a fully developed Financial model of your company and its projected profits. A business model provides an overall view of your SaaS startup.

Investors look for financial models to find answers to questions like “what are the assumptions? What are the growth trends? What is the expected CAV and LTV?” The more data you provide, the more authentic your model becomes.

What can you expect from Fintech SaaS – Excel Financial Model?

To make your lives easier, we have a solution for all your financial model needs. Here, we provide you with an easy to use Fintech model, which is easily customized based on your requirements. As there is no one size fits all policy for SaaS financial models, we have made a very flexible model that is guaranteed to provide you with live time changes in your Financial model. When you open the file, you will see different tabs on it. These tabs are based on various key drivers, which are crucial for a Fintech SaaS financial model.

Table of Contents of Fintech SaaS – Excel Financial Model

This tab provides you with a table of content of your financial model. When investors open up your Financial model, this is the first thing that they will notice. The contents are linked with original tabs, so when you click on the content, the tab containing that name will open up automatically.

Input Sheet


Next, we provide you is an Input Sheet tab. This tab contains all the input data that you can change to customize your financial model. The input cells are marked with color to differentiate between the input and output cells easily. In the input sheet tab, you will find different sections for Inputs. First, you have investment input, which comprises total investment from investors, total private funding, and loan investment. It will also show the desired rate of return for the investment. Second, you will find the user’s input section.

This section gives information about customers and their monthly churn rate. This section’s accounts consist of total customers signed up in a month, full customer active in a month, customer transaction in a month, and monthly churn rate. Next, there is revenue input available in the financial model. Here you can see how much % of revenue is coming from different channels.

Finally, there are separate sections for costs, such as employee payroll, support staff, COGS, marketing, etc. There are several fixed costs (product development & salaries) and variable costs (working capital, marketing expenses, operating expenses & others).


Fintech Excel Fianancial Model Dashboard

In the dashboard tab, all key indicators are shown in the form of illustrations with graphs, pie charts, and tables. These indicators include profitability analysis, CAC versus CLV, Revenue Channel, Profitability Analysis, Breakeven Revenue, Startup Cost Analysis, Utilisation of Funds, Profit & Loss Analysis, and Cash Flow.

Project Evaluation


Our financial model provides project evaluation, which is critical information for the company and investors. It shows return on investment (ROI), net present value (NPV), and internal rate of return (IRR). These are essential indicators for investors because they compare many different investment opportunities and only choose the one which promises the highest return on their investment. You can also have a hurdle rate, which is the return rate that the investors expect to receive. The SaaS Fintech financial model is flexible, so you can change it to make it your own.

Sensitivity Analysis


Since financial analysis is mostly based on calculated assumptions, you can expect either ideal result, moderate or low. The same is the scenario with sensitivity analysis; we provide you with three different scenario projections. You can make three different versions of your net income based on low revenue, average revenue, and optimistic revenue. Furthermore, the analysis also provides charts to illustrate these projections’ revenue, expenses, and net income. If you change the input cells’ percentage, the charts will also change along with the new projections.

Monthly P&L


You can make your profit & loss statement with the help of our model. Here, the Churn rate is the customers who leave your subscription. If the churn rate is higher, the company will lose more money. To calculate churn, divide the number of customers who left your service by the total number of customers at the start of this period. The formula for customer churn is,

Customer Churn = ∆C / ∆T x C
Furthermore, here you can see other SaaS related vital indicators such as MMR or monthly recurring revenue. It indicates the amount of income coming from subscriptions.

Yearly P&L


The yearly profit and loss statement tab shows the income every year. In addition to the income statement, break-even analysis is also provided with graphic illustrations of charts. A SaaS business must know its break-even point, where the revenue is the same as expenses.

Cash Flow Statement


The cash flow statement shows the inflow and outflow of cash. All the cash activities (operations, investing, and financing) are present in the cash flow statement, where you can track the flow of money for your SaaS business.

Balance Sheet

Balance_Sheet_Statement_ Fintech SaaS - Financial Model

The balance sheet tab contains a yearly and monthly balance sheet. If you want to look into more in-depth details of your financial health, the balance sheet statement can help you by providing month by month data.

CAC-CLTV Analysis

Fintech SaaS - Financial Model CLV_CAC_Analysis

Here, you can see the revenue from customers (net MMR) and the MMR per user. Furthermore, you can see the user CLV, which is customer lifetime value. This indicator is useful in knowing the total revenue one user provides; ideally, your CLV should be high. Finally, a calculation for customer acquisition cost is in the expense section.

CAC is the customer acquisition cost, which is the total cost (sales & marketing expenses) incurred in acquiring one user. Lastly, there is a ratio of CLV/CAC, which indicates the amount of lifetime value a customer provides instead of the acquisition cost incurred. The rate of CLV/CAC should be higher, which shows a positive result.

Depreciation & Amortization

Depreciation Fintech SaaS - Financial Model

The depreciation tab shows the devaluation of assets. It can show you how much depreciation has occurred and the remaining value of your assets. You can calculate depreciation for the next five years, ten years, or 20 years depending on your requirement.

Amortization is the depreciation of intangible assets. Here, you can also find out the amortization expense every year. You can use it to an amortization schedule for the next five years, ten years, or 20 years, depending on your requirement.

About Us

Oak Financial Model is a combination of financial and data analytics. We have strong math, financial analysis, accountancy, management performance indicators, and organizing this data into clients’ dashboard.

Our Mission

Our mission is to be the industry leader in our business domain, which comes after an in-depth analysis of the market situation and ever-changing business trends. Hence, we believe that financial and business consultancy requires a complete understanding of the market and the economy’s continuous changes and its effects on business.

Our Vision: is to be reputed as the best Financial & Management Services Consultants by providing top-notch services and to create goodwill based on an excellent performance.

Our Core Values

High Quality surpasses. Quantitative work is a built-in fact in a Business’ motto. Therefore, we strive for a disciplined approach to analyze business situations and identify the best solutions to achieve financial plans. At the same time, we help open new doors by providing our state of the art financial services and management tools.

Importance of SaaS

SaaS is becoming more powerful than ever, with different industries opting for SaaS instead of traditional methods. Its market share is evolving every year as companies start to realize SaaS’s potential and how it can benefit the companies. SaaS or software as a service provides application-based services for consumers. So the applications are usable on multiple devices, and they exist to make our lives easier. Moreover, SaaS offers cloud-based software, which means that your data is stored digitally, online.

Since SaaS doesn’t exist physically, it carries many advantages that are not available with the traditional business. You can pay on the go and also cancel your subscription if you feel unsatisfied with the service you are receiving. However, traditionally, if you take off-the-shelf software, you are stuck with it after payment.
In terms of the benefits, SaaS is not only about flexibility. Among the many benefits it has to offer, SaaS makes the user experience better through,

• Low cost of entry – you don’t need any servers or hardware to enter the industry as everything is online and cloud supported.

• Easy onboarding – once you subscribe to a SaaS company’s services, it is easy to do the onboarding because cloud-based software has everything updated online. With a simple registration, the user will be able to use the software.

• Automatic updates – traditionally, you had to change the software by buying it physically and installing it on your device. However, with SaaS, you get the updated software because the cloud allows the software to be updated online without any extra effort on the user’s end.

• Multiple devices – traditionally, if you buy software for a PC, it would only run on one device. However, SaaS allows multiple devices (depending on the SaaS provider). Now you can run the software on your PC and mobile through an application simultaneously.

SaaS successfully captured many industries, and it is still growing further due to its many benefits.

This Product Includes: 1 Excel File

Oak Business Consultant also offers customized Financial Models.

So, if you require our service to craft your financial model then feel free to
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An Oak Business Consultants Provides Various Financial Model Templates; each industry model has unique revenue and input assumptions based on the industry nature and operation requirement. We have dug into almost every industry and have built 100+ models for every specific niche market.

For Example; a website has a general base model for e-commerce business and several other businesses that come under the E-commerce industry like Online Clothing Business and Online Toy Store, etc.

The pre-built financial models are made to help an entrepreneur, by giving them financial projections for their business. These models provide a prebuilt detail and structure to those who have a similar business revenue model as already available on the website. However, if you have a business model which is unique and have several different revenue streams. Therefore, you need Buy Customization Plans financial model services where you can avail of modeling services as per your business nature and operation requirements. 

All pre-built models are Comprehensive and dynamic, designed by expert professionals by considering all the elements any business requires while computing the financial feasibility of the business. The financial model template will provide the assistance to compute the startup summary, detailed monthly and yearly profit and loss statement, balance sheet, cash flow Analysis, and Break-Even Output summary. The template also has project evaluation reports and diagnostic sheets which will allow you to determine the company’s performance in a specified period of time. Moreover, a visual representation of these reports is compiled on a dashboard to make a convenient report overview for the user.

The models will be in Microsoft Excel file format, and they are immediately available for download after making the purchase. A model can redownload at any time in the future from the same account.

The optimal way to use the model is to familiarize yourself first with how the model is linked and structured. There are already detailed instructions on howdetailed how to use the description mentioned under each product profile.

Moreover, then start with the input sheet with the most important assumptions, and start filling in the inputs as per your business information which is clearly labeled and formatted in a pink color cell. For Example; If your region tax rate is 25% so fill it under the tax field, which is already highlighted so then a model will automatically compute all related calculations. The same procedure will go with all operating and variable cost sections, which are mentioned in the model.

Next comes the revenue-related input; then go through the inputs around growth rate, churn rate, prices, and cost of sales, etc. These inputs will be changed from industry to industry; however, the basic structure is the same.

So far, you’ll get basic forecast reports, and now it comes down to looking at the Summary and Key Reports sheet(s) to see if the estimation makes logic: net income, gross margin and net cash flow, etc. Refine and iterates the inputs until you get a final result that makes sense for your business and your industry.

The Financial models are in xls. File format. We would recommend to use Excel or Google Sheets to develop and edit financial models. In practice, We use Excel to build and edit models and Google Sheets to share with clients. Because Excel is usually a faster software for building and designing with so many features, however, Google Sheets can make it convenient for sharing models with the user.

Our models can be used in both Excel and Google Sheets interchangeably; simply upload the Microsoft Excel model template into Google Sheets, and everything will be ready to go.

Undoubtedly Yes! All formulas’ cells and sheets are completely editable and open. Therefore, you can edit anything as per your requirement. But, you must need to consider the cell linkage first before making any change.

How to Edit the Mode?

All peach Areas are your INPUT CELLS. Please fill the PEACH AREA as per your Business situation. All WHITE and COLORED CELLS are CALCULATED and LINKED CELLS.

The Model is easy to use, dynamic and Transparent. We did not use complex formulas to build the Pre-built Financial Model or Financial Template.

Yes, We provide Half an Hour of free consultancy. We help you to explain

  • The flow of Pre- Built Financial Model
  • Explain Financial Terminology
  • Explain How the Pre-built Financial Model work.

You can fix a meeting time with our Expert Financial Consultant and avail yourself of this opportunity to have one to one call with him/her.

Same as we have several industry-wise Financial Models such as
Automotive Business
8 Products
10 Products
7 Products
18 Products
13 Products
Real Estate
12 Products
21 Products
64 Products
36 Products

By selecting the right model, analyze your industry first and decide under which category you’re business is falling in.


For More Detail, visit our Financial Model Template Shop 

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