Buy Now Pay Later ALL IN ONE Integrated Financial Model + Market Insights

Financial Model, Financial Services, General Excel Financial Models, Personal Finance

5-year Financial Projections, Accounting, Accounts Payable, Amortization, Business Valuation, Cash Flow Analysis, Cash Flow Projections, CFO, Churn, Conversion, Cost Projections, Customer Acquisition Costs (CAC), Dashboard, DCF Model, Debt Amortization, Debt Schedule, Debt Service Coverage, Excel, Financial Analysis, Financial Model, Financial Modeling, Financial Planning, Financial Projections, Financial Ratios, Financial Statements, Financing, Forecast, Forecasting, Income Statement, IRR (Internal Rate of Return), Know-How, KPIs (Key Performance Indicators), NPV (Net Present Value), Payback Period, PDF, Revenue Projections, Scenario Analysis, Terminal Value, Three Statement Model | Three Financial Statements, Uses and Sources of Funds, Valuation, WACC (Weighted Average Cost of Capital)

This is a real cased based ALL IN ONE integrated financial model of a BNPL (Buy Now Pay Later) business plus business model explanation and market insights as to the added value of this model.

This model is extremely useful for financial planning, and it is a perfect decision-making tool for investors since its real case-based characteristic and market insights provision. It includes detailed assumptions, revenue, cost, Capex, Debt, working capital, and cash flow forecast.

The model consists of four parts, Introduction, Inputs, calculations, and outputs.

The Introduction part includes the Executive summary, Market Insights, Explanation of how BNPL business makes money. This part provides basic and important information for users who have little experience of the industry and can be great helpful to see the big picture of the business and to understand the model.

The assumption part includes the hypothesis of initial investment, Scenarios, and other metrics for the performance of the model.

In the Calculation part, users can learn all the details of the mathematical logic from assumptions to outputs. The calculations are quite intuitive and easy to understand without any sophisticated formulas embedded. All users either from a finance background or other fields can easily follow up.

Outputs include 5-year forecasted Financial Statements (3 Statement Model- Profit and Loss, Balance Sheet, and Cash Flow), a comprehensive DCF valuation, and Ratios analysis. The results of ratios analysis are also being summarized in the executive summary. Users can easily get a picture of the performance of the profitability, liquidity, solvency, and leverage of the company.

This model is completely dynamic and flexible that allowing the users to modify the key-driven factors and to see the results based on distinct cases. The numbers in color BLUE could be adjusted and the outputs and analysis results will be automatically updated.

The structure of the template follows Financial Modeling Best Practices principles and is fully customizable.

Model Structure

Introduction
• Cover
• Executive Summary
• Market
• How BNPL makes money

Inputs
• Assumptions
• Scenarios
• Initial Investment

Calculations
• Capex & Depreciation
• Debt
• Balance Sheet
• Profit and Loss
• Cash Flow

Outputs
• Proforma Balance Sheet
• Proforma Profit and Loss
• Proforma Cash Flow
• Discounted Cash Flow (NPV, IRR, Payback)
• Financial Ratios (Liquidity, Efficiency, Leverage, and Profitability)

Users’ Support Service

To guarantee the user’s satisfaction, all the models have been built following the Best Financial Modeling Principles and considering the high level of flexibility and user-friendly in priority.

Even the users who have no finance or accounting background or have little experience in Microsoft Excel can easily handle them to assist in making better decisions.

Please feel no hesitate to contact us if you experience any problems when using the models provided.

In addition, if you need a customized model for your specific business, please just let us know and we would be happy to help you with this.

Reviews

Question on the pdf model

By Sam on June 7, 2022 at 14:35

Thanks for the response. Using a listed BNPL for reference (e.g. ZipCo), you would generally see a customer receivable that is roughly 25-30% of the Transaction Value. In year 5, the transaction value was $391m which would roughly translate to a receivable of $100m (on average). However the receivables in the BS are only $2m. Similarly, the borrowings seem unusually small. You have modelled finance costs as a % of TV – $782k in Y5. However, the debt is only $1m in Y5.

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Question on the pdf model

By Sam on June 5, 2022 at 10:09

Hi Jill

Thanks for sharing this model.

Regarding the balance sheet “Accounts Receivable” – technically a BNPL does not have any AR driven by revenue. This is because the BNPL receives revenue upfront from the retailers (amortised using EIR). The accounts receivable would be more sensibly based on total transaction value and one would expect that the AR would be quite a lot larger than what has been currently projected in the model. Do you have any thoughts on this? Thanks

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By JILL LIU on June 6, 2022 at 14:09 (Verified Purchase)

Hi Sam
Great thanks for your comments.
You mean account receivable or account payable？
I understand the AR should be collected from the bank of the consumer which will be depends on the contract of the platform and the bank. Let me know your opiniones. Happy to dicuss.

Regards Jill

Thank you for your feedback.

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