Moneylending Model – FINANCIER 20 year Business Model Three Statement Analysis

Financial Model, Financial Services, Loans & Lending Businesses, Microfinance, Peer to Peer Lending (P2P), Personal Finance

10-year Financial Projections, 5-year Financial Projections, Accounting, Amortization, Cap Rate (Capitalization Rate), Cash Flow Analysis, Cash Flow Projections, Debt Amortization, Excel, Financial Analysis, Financial Debt, Financial Feasibility, Financial Model, Financial Modeling, Financial Planning, Financial Projections, Financial Ratios, Financial Reporting, Financial Statements, Goodwill, IRR (Internal Rate of Return), KPIs (Key Performance Indicators), Levered Yield, NPV (Net Present Value), Payback Period, Sensitivity Analysis, Three Statement Model | Three Financial Statements, WACC (Weighted Average Cost of Capital), Weighted Average Unexpired Lease Term (WAULT)

This Moneylending ( FINANCIERS) 20-year Business Model will allow for up to 8 different loan types/terms and also provides you with the most detailed Cash Flow Statements separated by each loan type, bad-debt ratio, and recovery ratio independently of one another.

20 years of three statements straight line analysis will clearly display the cash requirements of starting such a business.

The Valuations are open for applying a suitable market-related PE Ratio, which will provide you with IRR, MIRR, and NPV, taking into consideration goodwill in the event of exiting.

The Input fields are basic, as well as the inputs for loans. You would simply enter amounts that you expect to lend per month, as well as the interest charged, administration fees, if any, bad debt ratio, and recovery of bad debts ratio.

This model is suitable for any current or start-up lender that wishes to accurately predict cash flows and profitability. We make use of NPV, IRR, and MIRR for financial assessments.

Moneylending can be profitable if you are able to keep risk profiles and adjust your rates accordingly. The key to a successful Financier is naturally the risk and associated returns and the fixed cost element of the business.

Fixed costs are a continual work-on in the banking environment, as so should it be for the smaller lender. The basic principle is to work with a target market that you understand.

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