Banking, Financial Model, Financial Services, Loans & Lending Businesses, Microfinance, Mobile Apps, Online & IT Businesses

5-year Financial Projections, Average Order Value (AOV), Average Revenue per User (ARPU), Break-Even, Budget, Business Valuation, Cash Flow Projections, Cash-on-Cash Multiple, Conversion, Cost per Click (CPC), Customer Acquisition Costs (CAC), Customer Lifetime Value, Debt Schedule, Debt Service Coverage, Excel, Financial Analysis, Financial Debt, Financial Feasibility, Financial Model, Financial Modeling, Financial Planning, Financial Projections, Financial Ratios, Financial Reporting, Financial Statements, Financing, Forecast, Investment Multiple, Investor Cash Flows, Investors, IRR (Internal Rate of Return), KPIs (Key Performance Indicators), Management, Private Equity Waterfall Distribution Models, Return on Invested Capital (ROIC), Revenue Projections, Scenario Analysis, Sensitivity Analysis, Startup Financial Models, Terminal Value, Three Statement Model | Three Financial Statements, Users, Uses and Sources of Funds, WACC (Weighted Average Cost of Capital)

 

Buy now, pay later (BNPL) is a type of short-term financing that allows consumers to make purchases and pay for them over time, usually with no interest. Buy now, pay later (BNPL) programs have different terms and conditions, but generally, they offer short-term loans with fixed payments and no interest. Consumers can use a BNPL app to make a purchase at a participating retailer and opt for buy now, pay later at checkout. If approved, they make a small down payment, such as 25% of the overall purchase amount. They then pay off the remaining amount in a series of interest-free installments, usually over a few weeks or months.

This Financial model provides a 5-Year financial plan for a startup or operating BNPL platform and is a flexible tool for business owners to forecast their financial and operational activities and project their returns on investment. It includes assumptions and calculations of  Platform Development, Customer Acquisition through Paid and Organic Marketing, Transaction Volume and Value, Loan Terms and Loans Financing, Revenue assumptions from several types of fees, Payroll, Cost of Sales & Operating Expenses, Fixed Assets & Depreciation, Project Financing through Debt & Equity and Exit Valuation assumptions in case of a potential sale of the business.

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

Detailed instructions for the functionality of the model are included in the Excel file.

Model Inputs and Setup Reports:
• General Setup Assumptions, incl. Platform Development & Company Setup Costs, Customer Acquisition, Sources of Revenue & Cost of Sales, and Financing (Debt & Equity)
• Payroll, OpEx, VAT and Annual Capex, incl. Depreciation Schedule
• Model Supporting Calculations incl. Total Active Buyers, Transactions Volume, Loans Schedule, Revenue & Service Related Costs, VAT, etc.
• WACC Calculation & Comparable Companies Valuation Analysis

Output Reports:
• 5-Year Monthly Budget Analysis and Monthly Budget Summary per Year
• 5-Year Annual Financial Statements (3 Statement model)
• Break-Even Analysis
• KPIs & Financial Ratios, including several Profitability, Efficiency, Liquidity, and Leverage (Solvency) Ratios
• Dupont Analysis
• Performance Dashboard
• Business Valuation, including DCF Model, Return Metrics (NPV, EV, IRR, MOIC, Payback, etc.), and Sensitivity Analysis
• Investors Returns Waterfall Model
• Professional Executive Summary

Help & Support

Committed to high quality and customer satisfaction, all our templates follow best-practice financial modeling principles and are thoughtfully and carefully designed, keeping the user’s needs and comfort in mind.

Whether you have no experience or are well-versed in finance, accounting, and the use of Microsoft Excel, our professional financial models are the right tools to boost your business operations!

If you experience any difficulty while using this template and cannot find the appropriate guidance in the provided instructions, please feel free to contact us for assistance.

If you need a template customized for your business requirements, please e-mail us and provide a brief explanation of your specific needs.